Ditech Financial LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 806XX	Web
Around the middle of XX/XX/XXXX, I received a letter from the XXXX County Treasurer office stating that the taxes on my house had not been paid and that there was now interest and penalties applied. I contacted the county and spoke with XXXX XXXX and she informed me that the land taxes for my home had been paid but not the property taxes. She also said that I should contact the mortgage company and advise them that the property taxes have not been paid and they should take care of it since they paid the land taxes. I immediately called Ditech and I was transferred to the tax department and spoke with a lady named XXXX. She told me that they did not have any knowledge of these taxes and I would need to upload a copy of the bill to them and then give them two weeks to research it and then it would be paid. I uploaded the bill and waited awhile and then called Ditech on XX/XX/XXXX and spoke with XXXX. She informed me that that they had until XX/XX/XXXX to decide if they were going to pay the tax bill and that they had never received the uploaded bill that I had sent them. XXXX said she looked and did find a copy of the taxes online so she said she would attach it to our account. She also informed me that the taxes would probably be denied because they do not pay mobile home taxes because that is personal property. I informed her that my home was not a mobile home and it is a manufactured home and it is permanently attached to the ground. She said, " manufactured '', and that the taxes would still be my responsibility. I asked her why was it when I bought the home a year ago that the payments were set up as a P.I.T.I. payment that included ALL of the taxes? She said she didn't know but she knew that they were not responsible for them now. ( She was the most rudest person I have ever talked to. ) I asked her if someone was going to call me and let me know what decision was made and she said someone could call me on XX/XX/XXXX since they are closed on Sundays. She also informed me that my name was not on the account and that she was not allowed to speak with me on any account information. I told her that we had submitted a letter right after our loan was switched to Ditech and had my name added to the account. She said it was not on the account and she then called a customer service representative also named XXXX, and did a 3-way call with her. She also stated that my name was not on the account and that I would have to resend another letter and gave me the address to send it to. I never received a call on XX/XX/XXXX so I called the following day, XX/XX/XXXX, and spoke with XXXX. She stated that the taxes were not going to be paid because there is a clause in the loan that states that if there is two parcel numbers for the taxes, then the mortgage company is not responsible for paying the property taxes. My husband also talked with her and told her that he wanted a letter stating that Ditech was denying any responsibility for paying the taxes. XXXX stated that they do not send out letters but she " could put it for research but it could take up to two weeks to get an answer. '' She also stated that they are not a call out center so she does not know why I was ever told that someone would call me. She said she was sorry and that was all the information she had for us. I hung up the phone and went through my original mortgage and loan documents very carefully trying to find any information that stated this new information and I couldn't find anything ; I actually found the opposite. On XX/XX/XXXX I called Ditech back and spoke with XXXX and I briefly went over the problem that I had been having and than asked where in my loan documents it states that Ditech is not responsible for the property taxes. She stated that she did not know and then conferenced called customer service and XXXX came on the line with us and again I explained what was going on and what I was asking. She stated that mortgage companies are typically not responsible for mobile home property taxes. I interrupted her and stated that my home was not a mobile home and that it is a manufactured home and that Ditech has it in their system wrong and my home is permanently affixed to the ground meaning it is real property and not personal property. I also explained that it clearly states this information in my loan and mortgage documents. I also explained again that the taxes were only separated during the XX/XX/XXXX tax year because the previous home owner did not file his paperwork correctly with the county and the taxes would be separated for ONLY XX/XX/XXXX ; starting in XX/XX/XXXX they would be combined. Both XXXX and XXXX went quiet and I could hear typing and then I was placed on hold and when the line was picked back up It was with a supervisor named XXXX XXXX. He stated that there must have been a miscommunication but he was going to put this issue back to research and he would be in touch with me. He gave me his direct phone number and stated that if I talked to anyone else to tell them that I was working with him on this issue and that he was in the XXXX, Texas office. He said that it would take another two weeks for them to do the research on it and I told him that the county informed me that if the taxes were not paid by the end of XX/XX/XXXX that a lien would be put on the house and someone could potentially buy it. He said he understood and he would make a note of that and see if there was a way to speed up the process. He said he would also see what he could do about the issue of having my home listed as a mobile home instead of a manufactured home affixed to the ground. I told him that they should look at the original documents and it clearly says this information. He asked for me to send him a copy of the documents to his email and he would submit them when it went back to research. I did. On XX/XX/XXXX I also contacted the XXXX XXXX XXXX to file a complaint to possibly get help in this matter to make sure that my taxes are paid before the end of XX/XX/XXXX. On XX/XX/XXXX, I received a call from XXXX who stated she was from Ditech in an executive/corporate like position and she had been assigned to help since we filed the complaint with the XXXX. She gave me her direct line and told me that she would help me get all of our problems fixed. I went through a short version of events with the taxes, my name now not appearing on the account, and some previous problems that we have been having as well. She said she was going to look into everything and she would be in touch. We spoke again on XX/XX/XXXX and she stated that they had messed up and refunded us a portion of the escrow account back in XX/XX/XXXX for {$450.00} and they didn't realize that the taxes were two separate accounts. I told her that it would only be like that for this one tax year and told her that there should be notes in the account where I given the name and phone number of the person I have been working with through the county and she needs to call her and get confirmation and she could get any other questions she has answered. She looked and she found the information and then verified it with me. She then stated that the taxes were going to be paid and that they were going to overnight a check to the county and she was going to personally track it. She said she already had a tracking number and that it hadn't got to the county yet but if wasn't there shortly she was going to call XXXX and see what was going on. I asked her if I was going to be held liable for the late fees for the taxes and she said no, Ditech would be taking care of those. She said she would also be checking on how the escrow account was going to be changed and how my payments were going to change but it could take a few days for the analysis to be completed so she would call again in three days at XXXX. On XX/XX/XXXX XXXX called and stated that she had looked into the issues we had been having with my name not appearing on the account after we sent the letter to have it added. I explained again that the letter was sent with one of our first payments to this company and there was also another letter in the same envelope trying to get Ditech to change the mailing address because we were not receiving any statements or mail from them. She stated she could not find any of those letters but she was able to see that the mailing address was having an issue from the start of the account in XX/XX/XXXX to the end of XX/XX/XXXX. She asked if we could write another letter and email it to her and she would personally take care of it. I told her we already did and I read her the letter and asked her if it was sufficient and she said she would make it work. She then said that she was still trying to get all the information on the escrow account and she would call me again when she got all the information. On XX/XX/XXXX XXXX called me back and stated that she had all the information for the escrow account and that they were mailing me a copy of the escrow analysis. She asked if I wanted her to email me a copy of it so that I could look at it right now and I said yes. She stated that I had two options. The first option was that I could pay the escrow shortage of {$610.00} by XX/XX/XXXX and then my mortgage payment would increase from the current amount of {$820.00} to {$850.00}. The second option was to not pay the shortage and then it would divided into my monthly payments which would increase my payments to {$900.00} a month. She then said that it would also depend on what happened next year with the taxes. I told her that next year the taxes would be combined into one account and we would not have this issue any more. She asked if I knew what the parcel number was going to be for the combined account and I told her no. I then asked her if she ever called XXXX from the XXXX County Treasurer office and she said no, that she was just going off of what the tax department was telling her and then she was telling me what they said. I got really upset and told her that tax department is the reason that she is involved in the first place and SHE needs to call the county herself. She said she would call and then call me back the next day. I hung up the phone and decided to call myself and talk to XXXX and get all the information. When I called XXXX she answered and stated that she had just hung up with XXXX and she had told XXXX that the taxes would be combined starting in the XX/XX/XXXX tax year and gave XXXX the parcel number that the taxes would be under. XXXX then informed me that the taxes still had not been paid. I told her that I was told that they overnighted a check on XX/XX/XXXX and that it should have been received by now. She said she has been watching this account because she knows of all the trouble that I have been having and nothing has been received and she said that she even told XXXX. I told her that if she has not received any payment by XX/XX/XXXX to let me know and I would personally come there and pay them so I didn't lose my house. She said she would call in the afternoon if they had not received them in the morning deliveries. After I hung up I immediately called XXXX back and left her a message to call me back today and not wait until tomorrow. She called back and I told her that I had spoke with XXXX and was informed that the taxes were not paid and that she was told the same information. She said yes she was told that as well. I said what about when you told me that you had a tracking number from XXXX and that the county had not received it yet but you were going to watch it for a little while longer and if they still didn't have it you were going to call XXXX. That you promised me that you would follow through on this. She said that she was sorry. I told her that I am really tired of hearing that people are sorry while I wait to see if I am going to lose my house because my mortgage company can't pay my house taxes. She said that she had talked to them again and they were overnighting a check again to the county. I told her I didn't believe her until the county calls me and tells me that the taxes are paid. She said sorry. We started talking about the escrow analysis and she referred to my home as a mobile home again and I told her that people there need to start listening and look at my original loan documents to see that this is a manufactured home with a affidavit of fixation and that I have even emailed a copy to XXXX in the tax department. I told her that during one of our first conversations I told her that I felt like this whole problem with the taxes was started because someone messed up and put it in the computer as a mobile home and not a manufactured home which has a difference between personal property and real property. I told her that I would look over the escrow analysis later and get back with her. I hung up the phone and cried. I then called the representative at the XXXX and told her that I don't have a lot of time left to get this fixed and I don't feel like I am making much progress and did she have any suggestions. She told me that their process is actually lengthy and it was not usual that they had not responded yet to the complaint and that she was going to be sending them another letter asking for a response the next day but then they would be allowed another 10 days to respond. She advised that I cold call the attorney general office in Colorado and see if I could get some help that way. On XX/XX/XXXX XXXX called and stated that the check for the taxes was at the county and that she was told that it would be posted to my account by the end of the business day. I told her that I knew, that XXXX had called me and told me. XXXX then asked if she could go over the escrow analysis with me now and I said sure. She explained that because now Ditech was taking responsibility for the taxes the it was going to create a shortage in the escrow account in XX/XX/XXXX and that shortage was the {$610.00}. I said because of your XXXX up, I now got XXXX even more. She paused and said yes. I also said the answer is yes! I told her that I would have to see what I could do ; if I could come up with the money by XX/XX/XXXX or not. She told me that I didn't have to let her know, I could just mail the payment in if that is what I chose. She also stated that she updated the account to show the parcel number for the combined taxes and said that there should be no more issues with the taxes. I asked if the account was still showing that it is a mobile home and she said it was updated to show a manufactured home. I asked her when was it updated so I could put it in my notes and she said yesterday. She asked if I had anymore questions and I said not right now, I'm exhausted and don't want to fight. She stated that I could call her if I have anymore questions or problems later. After talking it over with my husband we decided that we did not think it was fair that we were being held financially responsible for Ditech 's negligence in resolving this issue and we did not accept the reponse made by Ditech on XX/XX/XXXX. On XX/XX/XXXX XXXX called and stated that she had received our denial from the XXXX and wanted to talk about it. I again stated that it isn't fair that they were able to make so many mistakes and cause so many problems that have taken so long to try and fix and again, they are not the ones that are having to pay to fix THEIR problems, that we are being held financially responsible for their mistakes. I explained again that if her company would have sent out a letter or a copy of the escrow analysis in XX/XX/XXXX with the disbursement, I might have been able to have caught this problem then. I also stated that I have been told by multiple representatives that their company doesn't send out letters or make outgoing calls. She asked if I ever received the escrow analysis that was done in XX/XX/XXXX and I said no. She asked if I ever received my XXXX form for my taxes and I told her that I didn't think so, I thought that I printed it out off of the website but wasn't sure. She said she was going to have someone look into it. She said that she would also speak with her director to see what she could do about the escrow shortage and either call me back the same day or the next day. On XX/XX/XXXX XXXX called back and stated that she had talked to her director and they could offer to extend the period in which the escrow shortage would have to be repaid. She said that she could extend it upto 48 months so it would bring my payments closer to what they were before the original mistake was made in XX/XX/XXXX. I explained that it is not right that they can make these mistakes and then turn around and tell me that I have to be the one to literally pay for it. If I had made a mistake their would be no compromise and I would just have to pay it and their would be penalties for me if I didn't. Now I am being told that not only are they, Ditech, not willing to fix THEIR mistake but have the shortages that they caused spread out over my payments for the next 4 years. After I explained this to XXXX, she stated that it was still my responsibility to pay the taxes and I told her that I did want the taxes paid and that is why we had the original loan set up with the principal, interest, taxes and insurance in our payments. She then said that when the loan transfered to them after the closing on the house, they believe that not all the information transferred over. She said just like the problems we had with Ditech sending the statements to our mailing address and not the physical address were probably because of the same issue. I told her I can show her in the original loan where it said how much the taxes were and how much I paid to get them started and that would be easy to prove. She said that they didn't have all the information when they received this loan and they were just going off of the information that they did have. I told her that I did not believe that and I would have to talk to my husband and that the XXXX had given us some other options and that we were going to check into them and that I would be in touch with her next week after the holiday. After speaking with my husband it has made us wonder if not all the information came through when they received our loan, than how did they have any of the tax information, why did they put our home as a mobile home when on mulitiple pages of the loan it clearly states that it is a manufactured home that is affixed to the ground? I do believe that Ditech is trying to cover its severe negligence and claim ignorant to these issues so it doesn't have to be held accountable. My problem right now is that I am now stuck with a large bill that I don't have the money to pay and that means that my mortgage payment will go up and I can't afford that either. When we first bought this house my payments were {$850.00}, that was affordable. I feel that I did nothing wrong and now I am being forced to pay for their mess up. Besides this being immoral, I feel like since they messed up my escrow account, they should be the one to fix it. I feel like the only penalty that they received was paying the little bit to the county for the late fees, {$20.00}. I have had to do a lot of the work to get them to just pay the taxes and now I have a bill for their negligence.
04/09/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT 84043	Web	Servicemember
I have been trying, without success, since XX/XX/XXXX, to remove the PMI from our mortgage loan. Ditech has acted unprofessionally and has mishandled every effort to remove the PMI in the manner I was told to go about having it removed. In my own ( amateur ) investigation of Ditech, I believe that they have dealt dishonestly with me and with others trying to remove the PMI from their account. A more thorough investigation will reveal, I believe, plenty of evidence that they are falsifying home values using their appraisers and are also not removing the PMI off once the loan is qualified for it in a timely manner. It is also incredibly frustrating to wait on hold for an hour or more just to talk to someone on their customer service line. And even when you DO reach somebody, you will get a different answer every time you ask about the policy. I worked in XXXX XXXX XXXX for many years, so it is excruciatingly painful to see such horrible customer service. Although they have given me false information that has caused a lot of problems, they will never admit blame in any way and have done NOTHING to try to pacify me or apologize. Here is a timeline of events/calls/information for my case : XX/XX/XXXX : My loan had recently been sold to Ditech and I called regarding cancellation of the PMI. My former servicing company had given me the run around when I had tried to cancel through them. First they told me to get my own appraisal. Next they told me I had to go through them to get an appraisal ordered and the cost would be {$350.00}. Next they told me it would be {$450.00}. Then they told me that once I paid {$450.00} to them, they had up to 6 months to schedule the appraisal and an additional 6 months to apply the PMI cancellation. I was relieved when Ditech told me that I could get my own appraisal and that it would be applied fairly soon ( on a first come first served basis, but likely no more than 60 days from the time they received my appraisal proving the appropriate LTV ). When I was told to get my own appraisal, I really questioned this after all the runaround and misinformation with my previous loan servicer. The agent put me on hold to verify with his supervisor that I could get my own appraisal and send it in. XX/XX/XXXX : I hired an appraiser and paid him {$350.00} ( invoice1 attached showing payment in this amount ). The house value went from original purchase price value of {$230000.00} to {$330000.00}. This is more than the appropriate LTV to have the PMI cancelled. XX/XX/XXXX : Ditech called me to let me know that my appraisal had been denied because it was more than 90 days old at the time it was received. I hung up the phone in tears. Money was tight and {$350.00} was too much to spend all in vain! I talked to my husband who asked me to have the appraisal redone. We needed to get the PMI removed. Note : I am fairly certain that I faxed the report in about a month earlier than Ditech claims to have received it. It was, however, over 90 days past the date of the appraisal. It was NOT 120 days past the date of the appraisal as Ditech claims in a later email. The fax copy should have time stamped the date on there and in my own memory it was sometime in XXXX and not in XXXX. I do not have any documentation of the day I sent it in by fax. At no time during the phone call was it mentioned that I could no longer schedule my own appraisal. Also, I searched online and NOWHERE did it say that appraisals must be received within 90 days to be valid. I was never told this before sending in my appraisal. I obtained a second appraisal with full confidence that it would be valid if received within 90 days of being done. XX/XX/XXXX : Paid for and obtained a second appraisal ( value increased to {$370000.00} from the XXXX value of {$330000.00} -- clearly the values are increasing with time and the appropriate LTV amounts are being met. ) I mailed the appraisal in to Ditech within 2 days of receiving it so as not to have any problems. XX/XX/XXXX : Ditech shows record that they rejected the second appraisal because they no longer accept appraisals scheduled by the homeowner and it needs to go through Ditech. ***I was NEVER notified by email, phone or mail that the second appraisal had been rejected. The only reason I found this out is because I realized in XX/XX/XXXX that I had never heard anything and that the PMI was still being charged to my account every month. XX/XX/XXXX : When I realized that the PMI was still being charged I called Ditech. I held for around an hour before getting somebody from customer service who has zero authority to help me with an exception. I asked to speak to a supervisor. I was placed on hold for about 10 full minutes. The guy came back and told me that no supervisors were available to talk to me but he would have his supervisor call me back. This was on a Friday and it was around XXXX XXXX. I asked WHEN I would hear back and was told I should hear back by Monday end of day. I never heard anything back by Monday end of day. XX/XX/XXXX : I talked to customer service agent XXXX in detail about everything. XXXX has been with Ditech since the beginning of XX/XX/XXXX and NEVER at any time to her knowledge has Ditech allowed homeowners to obtain their own appraisal. It has ALWAYS been a policy to go through Ditech to schedule the appraisal ( they use THEIR appraisers ). I was never told this. The guy I spoke with on XX/XX/XXXX who put me on hold to VERIFY WITH A SUPERVISOR that I could get my own appraisal gave me incorrect information. XXXX put through a request for the supervisor of that guy to listen to the call dated XX/XX/XXXX. XX/XX/XXXX : I received a text alert AND an email ( doc1 attached ) during my church services informing me that we have completed our research and have resolved the issue ( s ). I was never informed what the resolved issues were regarding or what the research showed. I was expecting a call on Monday with more information, but alas, no call ever came ( not a great shock considering Ditechs poor track record for follow up ) The many mistakes have cost me {$650.00} in appraisals and {$98.00} a month in PMI payments since XXXX ( or even XXXX since I am pretty certain the original appraisal was faxed in the month of XXXX and not in XXXX ). If the appraisal was received in XXXX ( and the fax shows a timestamp ), and nowhere was it ever publicized that my appraisal had to be 90 days or newer, the PMI should have been removed effective XX/XX/XXXX. I have paid {$980.00} in PMI that should not have been collected. And I have paid {$300.00} EXTRA in an appraisal I should not have had to pay for. I request to be CREDITED for one full month of my mortgage payments ( in the amount of {$1200.00} ) and I also request that the PMI payments in the amount of {$98.00} be removed going forward and the PMI be cancelled. Honestly, the amount overpaid is {$1500.00}. My husband has been unemployed for 3 months now. With an honorable mortgage company, I would call in to work something out due to distressful times. But with Ditech, I can not wait on hold for 1 or more hours to talk to them about an issue that they will NOT be compassionate about in any way. I read report after report of hurricane victims complaining on their website that they would not work with them. Most companies gave a 3 month waiver for making any kind of mortgage payments for homes that were totally destroyed under a mortgage loan. Ditech gave a 3 month waiver BUT in the fourth month they charged 4 months worth of payments plus a late fee. This is the kind of company that my mortgage got transferred to. They have no compassion and NO INTEGRITY in the wake of disaster. I also want to say that when I finally got a call back from Ditech after several months, I informed them that I was going to be recording the call. I have had TOO MANY instances of being given incorrect information over the phone and I dont trust them to stand by what I am told over the phone. I was told that they would not be able to continue the call if I was recording it. How is that ok??? They record EVERY call I make into them. But they wont give me a copy of the calls to prove that things they say were said on the call WERE NOT. Here are some details on each of the documents that are attached to this complaint : Doc1 - the mysterious notification that the research has been concluded and the issues have been resolved ( how were the issues resolved and what was the outcome more specifically of the research??? ) Doc2page1 -- Copy of the email complaint I sent in on Wednesday, XX/XX/XXXX ( later they document that they received my complaint on XX/XX/XXXX??? ) Doc2page2 -- email complaint continued ( PDF files attached showing both invoices for the appraisals I got and also a copy of the appraisals showing rising values on both ) Doc2page3 -- this page shows the automated response I got -- it will be 3-5 business days to respond ( that is utterly ridiculous!! When I was in customer service, my ABSOLUTE MAX to respond to a complaint was 24 hours. My personal response average was 3 hours but I have always given amazing customer service and I was totally dismayed to be given a 3-5 business day response time expectation. ) The response I got in 3 business days told me they were looking into my request and that I would hear back by US mail. No time frame was given for when I would hear back. Doc2page4 -- On Friday, XX/XX/XXXX ( a full month after sending my original complaint ) I sent an email response indicating that I STILL had heard nothing by US mail. This was also the day that I finally got a phone call only to be told they would not continue it if I was going to record the call. I asked them to respond within 48 hours with a copy of the most recent mail sent. I had posted a complaint on the Ditech XXXX page where they told me that they had sent a response by mail on XX/XX/XXXX but nothing was received. I dont believe they mailed anything on XX/XX/XXXX. It wouldnt take more than a week to receive. Doc3 -- a letter dated XX/XX/XXXX but not received until XXXX ( is this the one they claim they sent out on the XX/XX/XXXX?? ). This is the correspondence that erroneously claims they received my complaint on XX/XX/XXXX ( the one I emailed on XX/XX/XXXX above ). They just told me they were researching it. They told me to expect a written response within 30 days from the date they received my correspondence. I guess they mean 30 days from when they said they received it ( the complaint that was timestamped on XX/XX/XXXX but not received somehow until XX/XX/XXXX?? ) Doc4 -- another copy of the response to my original emailed complaint telling me I will hear back in 3-5 business days. Yikes!!! Doc5page1 -- they sent a sharefile ( that would expire that very day ) with a response to my complaints. I cant access the sharefile any longer, but thankfully they DID send a copy of the response several weeks later by US mail. Doc5page2 -- shows my rebuttal of their response/rejection. They provided a lot of erroneous information in their rejection letter. Just to reiterate, I was NEVER at any time told on XX/XX/XXXX that the appraisal had to be 90 days old or less at time of receipt to be valid. They insist that they listened to the call and I was told that but they REFUSE to share a copy of said monitored call with me claiming it is proprietary and not shared with public. Doc5page3 -- continued Doc5page4 -- continued Doc6 -- I sent in an email through a form on their site sometime around XX/XX/XXXX asking them to send me a copy of the mail they had supposedly mailed to me on XX/XX/XXXX. I received a response telling me that they can not help me since the information I provided can not be verified. LOL Doc7 -- a copy of the sharefile mailed out and received the middle of XXXX rejecting all of my requests to cancel the PMI. On XX/XX/XXXX you contacted our office to discuss the process for removal of private mortgage insurance ( PMI ). The Ditech agent advised you that you can submit your own appraisal but the appraisal could not be more than 90 days old. The agent NEVER at any time told me this. And they will not allow me to listen to the call. They are falsifying information about what was discussed on the call. In order to qualify for PMI removal, you must authorize Ditech to order the appraisal and charge the cost to your account or you can reduce your principal balance, or wait until the PMI will automatically terminate in XX/XX/XXXX I have been told that my PMI would automatically terminate in 12 months ( by reaching the LTV balance needed ). This was in XXXX. But now they are saying XX/XX/XXXX. Unfortunately I dont have evidence of what was told to me over the phone ( story of my life with Ditech ) and I am pretty sure they will be unable to find the evidence if they listen to the call ( so crazy how that works ) but I would be willing to testify under oath that I was told it would be approximately 12 months and the PMI would automatically be cancelled. So they change their story a lot. Doc8 -- I received yet another letter in the mail dated XX/XX/XXXX in which I was told that Ditech is in the process of reviewing my written request. Our research has not concluded. The purpose of this letter is to notify you of our ongoing investigation in an effort to provide you with a resolution. This after they sent the final decision and rejection. I think that letting them know that they had falsified information discussed on the call and that I was going to take further action got them a little worried. My guess is I will NEVER hear anything back to say that my PMI is being cancelled. I have done MORE than my due diligence to cancel the PMI. I have spent countless hours and dollars getting them to do what they should do by cancelling the PMI. Doc9 -- email confirmation of payment on my XXXX payment including the PMI payment in the amount of {$98.00}. In doc3 it says, We have also ceased all collection activities on your account until our investigation is complete. I have NEVER been delinquent in any of my payments. But as you can see they are still collecting funds including the disputed PMI payments. This seems dishonest. Doc10 -- copy of a monthly statement showing full amount owed for my mortgage payments. I have also included copies of complaints from XXXX, the ditech XXXX page, and online that I feel show that Ditech is dealing dishonestly in the case of mortgage insurance cancellations. A more detailed investigation will reveal discrepancies between values of homes by Ditechs appraisers and another appraiser and I believe will show a pattern of fraud where PMI is concerned on the part of Ditech. There was also a record of a complaint posted on the XXXX page by XXXX XXXX. She paid to have an appraisal scheduled by Ditech in XX/XX/XXXX. The value came in at a low price, too low to remove the PMI. Two weeks later she refinanced through a different lender and the appraisal came back {$28000.00} higher than ditechs. I believe that Ditech has appraisers in their pocket who are falsifying values so that Ditech doesnt have to cancel the PMI. I also believe that they are not terminating the PMI in a timely manner when the LTV reaches the right point ( as insinuated by the changing dates of when my PMI will be eligible to come off the loan ) Ditech is so hard to get through to when there is a problem and so slow to come to a decision. I think they are just hoping I will drop it. But I will not. If I dont get the resolution I desire, I will continue to make a stink and take further action as needed.
10/25/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 20111	Web	Servicemember
Green Treen/Ditech has been claimiing to be my Servicer since XX/XX/XXXX ... Green Tree was fined XXXX XXXX by the CFPB for exactly what I complained about ... failing/refusing to Review Loan-mod Applications for over 6+yrs ( 8yrs total when including XXXX XXXX ) , and several hundred 200+ harassing calls to demanding payments or get out, and credit agency assaults against me that was detrimental to renew my security clearance, etc ... So, after 6 years with their unconscionable servicing failures and foreclosure threats while refusing to review my loan-mod application ... I found out about the CFPB consent order and called CFPB to complain and beg for help and relief ... CFPB told me, I was not in the Green Tree 's database, sorry! ( COMPLAINT Tracking Number # XXXX ) No help, nor relief from CFPB ... I 'm asking again for help! Now, my house was wrongfully/fraudulently foreclosed 4 months ago, on XX/XX/XXXX ... Although, I am still in the house at this moment ... -- Combining these facts seems to mean that my house was either foreclosed on by someone who is not really my servicer, or my servicer can hide their dirty laundry and deeds from federal-oversight at will ... That just does n't seem right ... Read further about the crimes they get away with ... Any thoughts? ... Comments? - I had a small victory in the Virginia 's XXXX Gen Dist Court on XX/XX/XXXX defeating an Unlawful Detainer ( UD ) against the people who bought my home at Trustee-sale ... Using the Virginia Supreme Ct ruling, in the Parrish case ... Because this is " not a Landlord-Tenet issue '' but rather " Lender-Servicer defrauding Homeowner issue '' and unjustly enriching themselves while committing crimes and violations of several State and Federal statutes and regulations, and to the detriment of this homeowner, government oversight and denial of homeowners due process have all taken a black-eye ... Went to XXXX public Aid because I 've been financially broken but they do n't do fraud cases because they 're not chartered for it, but could help file bankruptcy case though ... Most useless! -- Now Served with XXXX / Ejection complaint in XXXX Circuit Ct. - Served Thursday, XX/XX/XXXX with 21 days to respond ... - Below I identify several issues including several title issues and FDCPA, RESPA, FCRA, etc ... - Briefly, the Parrish case was useful to layout title issue and the elements of Servicers failure to review Loan Mod App, which was never reviewed ( Never denied because it simply was Not-ever reviewed, in 8-yrs ) ... There are Many title issues some of which follow ... - FDCPA / RESPA / TILA / CFPA Violations ... - Breach of Deed-of-Trust ( DOT ) contract ( many ) ... - Threatened with foreclosure at least 6-7 times which Servicer voluntarily withdrew once reminded of pending review of loan-mod app ( but was never reviewed for determination ) ... XXXX County Property Records is crime scene ( Forged DOT ( Different from Closing Docs ), failed & missing & void Assignments and void Appointments of DOT ) ... - Defaulted in XX/XX/XXXX & subTrustee Appointed ... - Loan Mod App in XX/XX/XXXX ... - DOT Accelerated in XX/XX/XXXX/XX/XX/XXXX subTrustee sale ... - Ch-XXXX BK blocked subTrustee sale in XX/XX/XXXX ... - Mortgage was NOT reaffirmed in BK and Acceleration was Never rescinded over 8-yrs ... ======= - XXXX XXXX had completely ignored my Loan-mod App, and XXXX XXXX who XXXX sent to get my Loan-Mod Application request for review ... They acknowledged receipt of application, but would not review - NOTE : later I discover nearly half the XXXX REMICs being serviced by XXXX were bankrupted empty shells and were seized, by FED or/and FDIC and half of all loans were scheduled for foreclose while the other half were frozen ) ... - XXXX locked me out of my online Account login in XX/XX/XXXX ... - XX/XX/XXXX - subTrustee sent Notice again scheduling foreclosure for XX/XX/XXXX and ... funny thing is subTrustee Notice also acknowledged previous acceleration ( XX/XX/XXXX/XX/XX/XXXX ), and stated they were " accelerating again '' ... I do n't believe they can accelerate the Deed-of-Trust contract again ... Moot legal impossibility! - Hope Now/HAMP App online in XX/XX/XXXX ... I had to hire an lawyer to be the honest-broker because XXXX blew me off ... He contacted the subTrustee After and after 3-days on the phone and searching XXXX 's website to no avail, Attorney XXXX XXXX told me to file another 'fresh ' application for loan-mod on the " Hope Now '' website because they are Approved by HUD , Treasury , XXXX , XXXX , etc ... and can be the honest broker to document and force XXXX to perform as required ... - Hope Now/HAMP application was completed online and their representative called me, verified data, and initiated 3-way conference call to XXXX ... XXXX representatives ' eventually acknowledged receipt of application but stated there was no loss-mitigation rep assigned ... Hope Now reps called me 3-days in a row to conference with XXXX Loss-Mitigation folks to no avail ... No one at XXXX was ever assigned to review application. Over the next few weeks there were several more efforts to no avail ... They did not review Loan-mod App ... - XX/XX/XXXX - subTrustee explained in phone-call that Servicer halted Trustee sale due to HAMP ... - XX/XX/XXXX - subTrustee recycled the same forreclosure paperwork to give Notice and initiated foreclosure again, then canceled after advertising and sale, then at the last minute claiming in FAX that Servicer halted Trustee sale " due to HAMP '' ... - XX/XX/XXXX Green Tree sent Notice of Default ... - NOTE : XXXX County Property records show that a Secretary of an unknown Law firm, " XXXX XXXX XXXX XXXX XXXX '' claiming to be Attorney-in-Fact for XXXX secretly ( without Notice ) Assigned loan to Green Tree Servicing in XX/XX/XXXX ... However this assignment is void because No Power-of-Attorney ( POA ) accompanied the assignment. Without POA the Assignment is Void-ab-Initio When XXXX Loan/MIN account goes into Default or files Bankruptcy, the MIN/account is Deactivated and transferred out of XXXX System and XXXX status is reported as INACTIVE. XXXX will make no more assignments unless/until MIN Account is REACTIVATED by Lender/note holder. - XX/XX/XXXX Green Tree Appoints another subTrustee " Commonwealth Trustee '' stating that XXXX XXXX is owner of the Note and Appointed Green Tree as Servicer ... That is FRAUDULANT ... As explained above, XXXX XXXX 's secretary assigned and recorded without including the POA. [ Property Description recited in appontment has minor errors ( Survey-line point location, is at Lot XXXX, not XXXX, etc ) ] Did not review Loan-mod App ... ======= - Virginia Statute of Limitations ( SOL ) after Acceleration of written DOT contract is 5yrs ( VA Code 8.01-246 ( 2 ) ) ... - Commonwealth Trustees initiated Foreclose again in XX/XX/XXXX, but canceled for undisclosed reasons FRAUD NOTE : XX/XX/XXXX Ditech employees delibert frauds ... created, signed, wired or mailed and then recorded a void Assignment setting-up XXXX for fraud and using XXXX name even though ( 1 ) XXXX account remains " Deactivated '' since XXXX and was never " Reactivated '' ... MIN Status=INACTIVE since XXXX due to being removed from XXXX System and thus beyond XXXX purview as required by XXXX Serving Manuals , due to homeowner Default and Bankruptcy in XXXX. The loan was never " Reinstated '', ( nor de-accelerated ) and therefore the loans MIN Acct could never be " Reactivated '' therefore this XXXX assignment is both legally an impossibility ... ( 2 ) Using XXXX name to create a back-dated missing assignment by more than 6-yrs to fill chain-of-title gap where XXXX ( loan originator ) transferred/Assigned/or sold to XXXX because chain-of-Title was broken ... ( 3 ) Still, Ditech used the Wrong dates and therefore left a 2+yrs gap and the broken title-chain remains ... ( 4 ) The Address used for XXXX and XXXX belong to neither, but rather belong to Green Tree and Ditech, as a means to intercept communications ... ( 5 ) This void assignment also violate VA Supreme Court ruling that After-Acquired title doctrine applies only to original parties ( not Ditech ) ... - Commonwealth Trustees Foreclosed for Ditech on XX/XX/XXXX which is more than 3+yrs beyond expiration of Virginia Statute-of-Limitations ( SOL ) on accelerated written contract ... This is fraud too right! ... Virginia Supreme court says Deed-of-Trust is a contract ... NO Loss-Mitigation activity in 8-years - I wanted to convert or refinance to a VA-Loan at fair market value and I was punished for 8+ years ... Who are the people? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - NOTE : Servicer 's failure ( delay & ultimate refusal ) to Review and make determination of my Loan-Mod App has financially crippled me and homeowners nationwide ( re : SIG-TARP report, to congress XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ] ) - Servicers Green Tree and Ditech ( by merger ) knew about Ch-XXXX BK but continued making improper derogatory entries to Credit Reporting Agencies ( CRA ), harassing me with hundreds of phone calls ( one message told me to payup or get out ), and continued sending monthly billing statements throughout the 8-yrs of this Loan-Mod review process ( to punish me? ) ... But they would not review the Loan-Mod Application - Servicers, I think are not permitted to report to CRA 's after BK Ch-XXXX ( because Note [ debt ] is discharged ), and CFPB regs supposedly halt/bar credit reporting during and for 60-days during/following loan-mod review processing ... Virginia SOL gives creditors 5-yrs to collect on the written contract which they did not do in time ... - Hardship letter as part of the Loan-mod App explained ... Wife 's XXXX XXXX and that although separated, I had to help with expense during her surgeries, recovery and resulting unemployment and living expenses ... AND this house I bought from XXXX XXXX REO should have been condemned not resold AS-IS ... just to move in, I had to borrow and spend nearly $ 40K in all to fix crawlspace-foundation flooding and Black-mold removal ... Still both return regularly ... A/C, clothes-washer, and dish- washer and shed in back was falling over ... They stuck-it-to-me good ... - Deed came from XXXX XXXX as Trustee for XXXX XXXX, a bankrupt XXXX REMIC Trust being sued by everyone for looting and sell the properties entrusted, i.e. hedge funds XXXX and XXXX XXXX, etc ... - My effort in XX/XX/XXXX was to refinance into a VA-Loan to get rid of escrowing PMI and they insisted on a loan-mod and they even sent XXXX XXXX to my house with an Loan-Mod Application ... Then they ignore both of us and never reviewed the App ... - Unconscionable Loan-Origination and Servicing failures has destroy my credit and financial reputation and caused serious economic harm because I am not able to continue career in the military and civilian XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) as XXXX XXXX and XXXX XXXX which requires maintaining XXXX National Security clearance the until this is resolved and my reputation is restored gainful employment is not possible at best ... -- The XX/XX/XXXX Ch-XXXX BK was a " XXXX XXXX XXXX '' which was understandable and defendable to my employer because it resulted from Server threatening foreclosure in spite of no Loss-Mitigation communication ( none assigned ), and the yet outstanding Loan Mod App review, and then subTrustee Accelerating the loan and scheduling and advertising sale for XX/XX/XXXX and since the property value dropped 45 %, this threat included a {$160000.00} Deficiency Judgment which was terrifying ... But this exact scenario created lucrative windfalls for servicers at the expense of Investors and homeowners nationwide ... This un-regulated servicing industry trapped homeowners in Loan-Mod scam and failed to perform the fundamental due-diligence of " Loan-mod reviews '' as required by Treasury Dept 's TARP agreements giving them XXXX ... ================= - Instead of helping homeowners, Servicers captured homeowner ( s ) in a fraudulent Loss-Mitigation cycle of double-cross ( which was later coined " dual-tracking '' ), denying any communication, options, etc ... - I was harmed by this whole Financial Crises and then Foreclosure crises, like a lot of people, but failing to review my loan-mod app for 8-yrs should be considered a crime upon the Treasury 's contract with Servicers and the Treasury paid them in advance with TARP funds using taxpayer 's money to fund Servicers contract and commitment to review loan-modifications Apps, which they refused to do, ever! ... these Servicing failures is a fraud on the US and local economies and communities, the Treasury was directly defrauded, and I was directly harmed for my belief and I had a reasonable expectation that a government sponsored Loan-Mod App Review would be harmless ... - FINAL RANT : Banking and Financial Institutions quickly began dumping their servicing business onto unregulated rogue and abusive servicers in response to new regulations passed by congress and then the DOJ, SEC, FED 's OCC, Treasuries OTS, and other Reg agencies gave Non-Prosecution agreements to banking executives and financial corps alike ( including XXXX ) in return for Consent Orders and fines ( which seem to be the DOJ 's cut ) never amounting to little more than fractions of 1 % of the looted-booty which proved this crises and response is an excellent business-model for the next bubble generation ...
11/19/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MD XXXXX	Web
Loan # XXXX XX/XX/XXXX Last XX/XX/XXXX I was in a car accident with my children on their way to school & my car was totaled. On XX/XX/XXXX when I called to make a mortgage payment the rep told me that we were 90 days behind and I had to make a payment of XXXX which made no sense bc in XXXX I had made two payments totaling XXXX, one for XXXX and another for XXXX the rep told me that if I didnt bring the account current we would face foreclosure. The payment was returned by my bank because my car rental was holding XXXX against my bank account. I paid two payments in XXXX totaling XXXX, XXXX and XXXX which by all accounts would have brought the account current although the rep when I made my payment at the beginning of the month told me that the system was going through a conversion back in XXXX and it caused some issues with payments being applied so once it was corrected my account would be updated. My husbands oldest daughter was in a car accident XX/XX/XXXX and suffered XXXX XXXX, she was removed from XX/XX/XXXX on XX/XX/XXXX following her XXXX donation XXXX. The funeral was XX/XX/XXXX and as you can imagine was an unexpected expense & XXXX ( XXXX ) missed almost 9 days of work between the hospital and then planning & attending the funeral, as a result we werent able to pay our mortgage in XXXX. In XXXX I paid XXXX. And in XXXX when I made my payment the rep said we were 3 months behind which made no sense, he went through my account with me and indicated the second payment of XXXX in XXXX was applied incorrectly and he would get that corrected. I paid my XXXX to again bring my account under 90 days & he assured me after the adjustments were made we would owe a partial payment for XXXX. He said it would take 7-10 business days but to check my account, on XX/XX/XXXX I could see XXXX in suspense & no statement printed for the month so I could only go from the website. XXXX I called to pay my payment, again systems issues caused a major problem and no one received statements for XXXX per XXXX at ditech customer service. The funds were reversed back off and now we owe for 4 months. The rep told me not to make a payment bc it would mess up her inquiry on getting the funds applied and that the system was forcing her to take a full payment of past due or no payment. This went on for months, every time I called I was told something different. In XXXX I finally talked to someone who agreed to take a payment. Told me no one was reviewing my account and my dispute had to be done in writing Called again in XXXX and spoke to XXXX who helped me file for a deferment he said hundreds of customers accounts were messed up bc of the system changes in XXXX and again in XXXX and they would likely approve it. It was denied. Continued making monthly payments & filed a complaint in XXXX with the FEC. Ditech sent me modification paperwork which we filled out and submitted. Following my complaint I received a call from the audit dept who was looking in to my complaint. I told her we didnt want the modification done until the account was corrected with payment applications. She assured me she was working on it and as long as Im making a payment every month our account wouldnt be sent for foreclosure bc there are so many notes and records on my account. She promised to call after she heard back from the dept that does payment applications long story short it wasnt resolved and turns out our modification was cancelled the auditor XXXX did that bc I told her we wanted to make sure we got the account corrected first obviously we didnt just want the account rolled under the carpet in a new loan without answers on our payments we made. We stopped receiving statements during this time while is was under review and was assured that they would work with us to get the account caught up since so many home owners accounts were credited incorrectly. Final outcome was the Ditech can apply overpayments to extra interest or principal any time they want to. XXXX told me unless I can make 2 full payments dont even bother paying extra each month bc we will continue to have issues with payments being applied to extra interest and principal bc the computer doesnt know what to do. This is INSANE, your reps tell customers to pay more than a payment, the difference goes to unapplied funds until a full payment is satisfied. The billing statements say it now as well even though their audit department is now saying otherwise. Paid another payment for XXXX and preset a payment of XXXX ( 2 full payemts for XX/XX/XXXX ). In the meantime that rep told me our modification was cancelled and offered to mail the intake information ( 2 pages ) that needed to be filled out and mailed back before a packet could be sent to us. I logged in to our account and all of the payment history access was gone, the site said we apologize this function isnt available at this time and remained that way. On XX/XX/XXXX I filed another complaint against Ditech for fraudulent account activity since they continue to come up with different scenarios about the adjustment in XX/XX/XXXX. XX/XX/XXXX when I called to make a payment and XXXX ( yup same guy from XXXX ) said your balance is XXXX and your account is being reviewed for foreclosure as of XX/XX/XXXX. He explained to me that my payment on XX/XX/XXXX for XXXX was returned by my bank and not applied to my account, which is NOT true, he said oh ok it was received but the account is still in foreclosure and then asked how he could help.. I said I had spoken to him before and to please review the notes, we were on the phone for almost an hour, he promised to talk to his supervisor and call me back which he did. He told me that XXXX was applied to XXXX & XXXX payments - after several loud words explaining we wouldnt be this far behind if that was the case, his boss was saying no its correct. Finally, they reviewed everything and again have to send it for review again because the system shows we were current and then in XXXX 4 months behind. I went back through my statements and the financials dont add up. For example, interest showed paid through XX/XX/XXXX shows XXXX but when I add up the interest applied for the year ( including the additional interest in payment history it shows XXXX. Also, in XX/XX/XXXXwe had a deferral, yet even though I was caught up starting in XXXX it was showing a past due balance and carried over each month. The problem is as a consumer we have to rely on your website for information, Im told the payment history isnt correct. We rely on statements, Im told the system caused issues and they arent accurate, we havent gotten emailed statements in Months. Every time I call Im told something different. Until all this mess we were never 90 days on a mortgage let alone 120 DAYS or more. What Im asking is for help, for you to see how Ditech played a role in this mess and to work with us either on a modification or a deferral. We only owe XXXX on this mortgage and this house has been our home since XXXX & we deserve a chance to keep our home. Also, their account status page shows XXXX past due even though our payment is XXXX how could we be behind 144 days. Updated XX/XX/XXXX Modification was denied, first it was because our payments would be too high if they rolled in our past due balance, next rep said our lender doesnt allow past due balances to be capitalized on which is fancy for they just dont allow modifications, so totally waste of my time to fill out that paperwork, collect all the documents and submit to them. Loss mitigation also told the Hud counselor that our application was incomplete even though I have a letter dated XX/XX/XXXX that says Ditech recently received your application for loss mitigation for the above referenced account. At this time Ditech has determined that as of XX/XX/XXXX that application is complete and we are evaluating that account for loss mitigation options they have zero credibility The Hud counselor faxed over account authorization paperwork to Ditech on XX/XX/XXXX, as of XX/XX/XXXX Ditech continues to tell him it has not been processed which prevents him from talking to them - hes spoked to the XXXX and he intends on filing a complaint since it appears they are intentionally stalling having any discussions with regard to our account, he said there are a lot of discrepancies he needs them to explain. On XX/XX/XXXX in the evening I received a response to the CFPB complaint I filed in XXXX, basically saying there was no misapplication of funds and they included a full account history. Here are my findings that both the Hud Counselor and XXXX XXXX from Ditech have copies of : My insurance broker at the time confirmed yesterday that we held a policy with XXXX from XXXX when we switched to XXXX until XX/XX/XXXX when we switched to XXXX XXXX. I spoke to XXXX from Ditech Loss Mitigation yesterday who confirms in XX/XX/XXXX the account was sold by XXXX to Greentree, the insurance didn't change. You can see in the attached file on XX/XX/XXXX when they were doing the '' system conversion '' there are multiple deferrals, they mentioned that's why I wasn't eligible for one bc I've had too many. Well the deferral amounts match, to the $ the insurance payments that were made listed below by date : XX/XX/XXXX {$2300.00} + XXXX No payment to insurance in XX/XX/XXXX from what I can see XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX insurance payment of 1109.00 was made and then credited back ( XXXX said they had my ins on file but couldn't explain why in XXXX they took another deduction for ins and also no record of the credit going in to my account )XX/XX/XXXX {$2300.00} XXXX XX/XX/XXXX {$2300.00} + XXXX This information was sent to XXXX XXXX on Friday XXXX XXXX The ins payments stopped in XX/XX/XXXX, nothing after that, although XXXX remained our provider for XX/XX/XXXX through XX/XX/XXXX. When we switched insurance on XX/XX/XXXX to XXXX XXXX I had to email Ditech the insurance documents 3 times and XXXX XXXX had to fax it twice before it was confirmed on our account. Furthermore, if the deferrals were for false insurance payments and not past due payments as they told me they were than they should be reversed and I should be approved for an actual deferall. XXXX also told me yesterday that any payment that was more than a single payment would be used to pay off insurance balances but I couldn't make heads or tails of that in this file. My original CFPB complaint in XXXX indicated payments made last XXXX and XXXX were not applied correctly, the complaint was closed when their legal team advised there were no errors, I've attached a file that shows multiple payments were applied incorrectly although their review department told me previously they can apply over payments however they want, XXXX specifically said they can apply extra to principal or interest bc the system does it automatically. This is a record in their service history as well XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -XXXX Here is a record of the adjustment they made to the error of the payments above on XX/XX/XXXX and then the reversal of the amounts. Multiple reps including XXXX and his supervisor on XX/XX/XXXX told me the funds were applied based on payment errors the system made and my account was then current with additional money that should have been in suspense but they can't explain why it was taken back off on XX/XX/XXXX. XXXX was emailed this as well. XXXX emailed me today, XX/XX/XXXX and said none of her emails shes sent to the research department have been answered Payments XXXX Transaction XX/XX/XXXX XXXX XXXX XXXX Individual Deposit XXXX Transaction XX/XX/XXXX XXXX XXXX XXXX Individual Deposit { A } Automated Transaction XX/XX/XXXX XXXX XXXX Monday XX/XX/XXXX I sent an email regarding reversals in my payment history that were conducted on XX/XX/XXXX and partial reapplication of those funds were completed on XX/XX/XXXX. I originally thought this was during the automatic HAMP modification of our 2nd mortgage but thinking about the dates last night it wasn't and therefore I have no idea what these adjustments are for. There are XXXX adjustments on the principal and XXXX on iterest from XX/XX/XXXX-XX/XX/XXXX datedXX/XX/XXXX XXXX was applied to principal and XXXX to interest on XX/XX/XXXX leaving XXXX in allocations missing. This morning I pulled the data from the HAMP period which would have taken place on or about XX/XX/XXXX, I've attached a file with those adjustments and the XX/XX/XXXX adjustments to this complaint. This behavior is beyond negligence, this is criminal. The fact that Greentree was accused of fraud and was allowed to change their name to Ditech and continue with fraudulent activity is beyond my comprehension.
09/29/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	TX 788XX	Web
XXXX XXXX and XXXX XXXX offer the following : CFPB AND FTC /STIPULATED CONCENT ORDER XX/XX/XXXX XXXX XXXX provides testimony that Green Tree in Violation of THE FOLLOWING ACTS INVOLVING XXXX AND XXXX XXXX AND GREEN TREE XXXX. 1. BREECH OF CONTRACT XXXX 2. BREECH OF IMPLIED CONVEYANT OF GOOD FAITH AND FAIR LENDING 3. Misrepresentation and VIOLATION OF 736.3 4. 1024.37 VIOLATION OF PLACED INSURANCE FORECLOSURE XX/XX/XXXX Notice 5. Violation of Telephone Consumer Protection Act 47 U, S.C. 227 et seq ( TCPA ), 6. 12 U.S.C. 5531 ( a ) and ( c ) ( 1 ) and 12 U.S.C.5536 ( a ) ( 1 ) ( b ) 7. Section 5 of the FTC ACT U.S.C. 45 ( a ( 45 ( n ) 8. Negligent Interferant with Contractual RELATION 9. FAILURE TO IMPLEMENT and HONOR Document X Frank Dodd XX/XX/XXXX 10. Violation of CERCLA 42 U.S.C. 9601 ET SEQ 11. Negligent Inflictions of UN SAFE LIVING CONDITIONS 12. FALSIFICATION AND FRAUD to obtain SOL, Certificate of Attachment 13. VIOLATION and BREECH of Texas Constitution in Loan Appraisal 14. Violation and Breech of TEXAS CONSTITUTION IN LOAN ORIGINATION 15. DENIAL OF MODIFICATION BOTH XXXX 16. Federal Reserve System 12 CFR PART 226 17. BROKEN DAMAGES TITLE UNCLEAN HANDS, CLOUDED TITLE 18. NEGLEGENT INFLICTIONS EMOTIONAL DISTRESS 19. DEFECTIVE AND INVALID TRANSFER OF DEED of TRUST by XXXX XXXX 20. Party named in ORDER for FORECLOSURE not named before XX/XX/XXXX 21. MOTION FOR NEW TRIAL IN EVICTION MATTER XX/XX/XXXX 22. VIOLATION of Plaintiff RIGHT TO RESIND 23. VIOLATION OF RESPA XXXX XXXX offers that Green Tree is also in contempt of STIPULATED CONCENT ORDER IN WHICH THEY ENTERED INTO AGREEMENT XX/XX/XXXX XX/XX/XXXX THE NOTE XX/XX/XXXX IS THE DATE ON THE NOTE? XXXX and XXXX XXXX signed a agreement to pay THE PRINCIPAL OF XXXX XXXX and XXXX XXXX signed a agreement to pay THE INTEREST OF XXXX. XXXX AND XXXX XXXX WERE NOT AWARE GREENTREE ASSIGNED FULL CONVEYANCE OVER TO XXXX XXXX XXXX on XX/XX/XXXX They learned about this in XXXX XXXX AND XXXX XXXX DID NOT SEE FINE PRINT ON DOCUMENT WHICH STATES. NOTICE TO ASSIGNEE This is a Mortgage subject to special rules under The Truth and Lending Act, Purchasers or Assignees of this Mortgage could be liable for all claims and defense with respect to the Mortgage that the Borrower assert against the Creditor. XXXX XXXX pointed this verbiage out to the Judge on XX/XX/XXXX and brings her claim in the matter before this court AGAIN ON XX/XX/XXXX TO BE HEARD AND RULED UPON. THE NOTE REMEDIES Page 2 1. ONCE NOTICE IS GIVEN UNDER THE LAW NO NOTICE OF SALE WAS RECORDED, OR GIVEN, OR POSTED AT THE COURTHOUSE PRIOR TO SALE. XXXX XXXX has requested DUAL TRACKING INFORMATION, XXXX XXXX has written The IRS FOR A 1099, NO 1099 HAS EVER BEEN RECORDED BY THE CREDITOR. 2. You ( the lender ) will forfeit all Principal and Interest in the event you fail to comply. 3. The Note can not be enforced upon BREACH OF CONTRACT VIOLATIONS NOTICE was given to Greentree they were not in compliance of contract XXXX. MORTGAGE RELIEF ADVOCATES was hired to audit the loan for compliance violations, and it was reported to XXXX and XXXX XXXX that Green Tree did not own the loan. GREENTREE ASSIGNED FULL CONVEYANCE OVER TO XXXX XXXX XXXX on XX/XX/XXXX They learned about this in XXXX. See Exhibit XXXX XXXX ATTACHED HERETO. Greentree was in violation of CERCLA and provided written notice. XXXX XXXX offers that she responded to SEVERAL FILINGS THAT XXXX XXXX ENTERED AFTER THIS ORDER WAS IN EFFECT, THEREFORE XXXX XXXX ONLY RESPONDED TO WHAT HE FILED, XXXX XXXX HAS NOT ATTEMPTED TO SELL THE PROPERTY. XXXX XXXX only did what she knew to do, XXXX XXXX tried to explain in the Affidavit XXXX XXXX actions, If you read the Affidavit its clear that all XXXX XXXX is doing is reporting to the court her disputes, XXXX XXXX has not tried to be disobedient, the Court should review what XXXX XXXX filed then follow up with what XXXX XXXX entered on XX/XX/XXXX. If there were no acts to occur why did XXXX XXXX have XXXX XXXX evicted after she filed an Appeal? XXXX XXXX believes that all court matters were in PAUSE, HITTING THE PAUSE BUTTON, WHICH IS NOT WHAT XXXX XXXX AND XXXX XXXX HAVE DONE, WHY IS IT THEY CAN DO AS THEY PLEASE AND HAVE NO REGUARD TO THIS ORDER, THEY ARE IN CONTEMPT AS WELL. The Constable stated that the Eviction was proceeded with because I failed to pay a XXXX bond, wait a MINUTE HERE, XXXX XXXX IS THE OWNER OF THE MOBILE HOME AND NOTHING HAS CHANGED THAT OTHER THAN FRAUDULENT DOCUMENTS FILED BY XXXX XXXX. On XX/XX/XXXX XXXX XXXX was in possession of the Mobile Home. XXXX XXXX had XXXX XXXX evicted on XX/XX/XXXX, where is the STAY IN THIS PROCEDURE EXERCIZED BY XXXX XXXX? 1. On XX/XX/XXXX XXXX XXXX and XXXX XXXX received a Application for Order to Foreclose and Default Order by us mail. After reviewing the DEFAULT PRDER, XXXX XXXX knew something was very wrong. 2. XX/XX/XXXX XXXX XXXX went to the XXXX County District Clerk to inquire about the Notice she received by US REGULAR MAIL. XXXX XXXX was provided a copy of the Mailed Copy to XXXX XXXX and XXXX XXXX SIGNED BY XXXX XXXX ( who is affiliated with XXXX and XXXX XXXX XXXX ) The firm Representing Green Tree XXXX. 3. Exhibit A Attached hereto The Summons was mailed to XXXX XXXX and XXXX XXXX and Occupant of the Property XXXX XXXX XXXX XXXX XXXX SD XXXX. 4. Because Exhibit A was mailed to the address of Green Tree and not the correct address of XXXX and XXXX XXXX and Occupant of Property it was not ANSWERED. 5. The correct Mailing address for the Summons containing Application for Order of Foreclosure XXXX and XXXX XXXX were never served this summons. 6. After XXXX XXXX made the XXXX County District Court AWARE of this ERROR, The summons was mailed to XXXX XXXX and XXXX XXXX at their address of XXXX XXXX XXXX XXXX, Texas XXXX. 7. Exhibit B Attached hereto is a Summons containing Application for Order of Foreclosure, DEFAULT ORDER, They never corrected the Default order, XXXX XXXX did not realize this till much later, she was so over whelmed with the Legal act she needed to answer. 8. Therefore MISTAKE # 1 was improper service of a Summons Violation of RULE 106 ( a ) ( 2 ) and 736.6 in the 735 and 736 rules and regulations of a PROPER FORECLOSURE WITH PROPER NOTICE, THIS IS ALSO GROUNDS FOR A NEW TRIAL IN THE EVICTION MATTER Which has been assigned Cause # ___________. 9. XXXX and XXXX XXXX filled a petition of Appeal and they were still evicted from the Mobile Home OWNED BY XXXX XXXX BECAUSE SHE DID NOT POST XXXX, XXXX Bond and filed a Indigent document. 10. XXXX and XXXX XXXX have invested over {>= $1,000,000} of sash money into the Mobile Home XXXX to XXXX and this is three times THE COST OF THE BOND. 11. XXXX XXXX has filed contempt of court claim in which XXXX XXXX offers he FRAUDULENTLY FILED A CLAIM OF OWNERSHIP TO THE MOBILE HOME AND HE HAS NO STANDING IN THE OWNERSHIP OF THE MOBILE HOME IF ITS DECIDED HE HAS ENTITLEMENT TO LAND HE STILL WOULD NOT OWN THE MOBILE HOME, XXXX XXXX will provide a copy of this to the FBI AND LET THEM DETERMINE WHO HOLDS OWNERSHIP OF THE MOBILE HOME AND THE PROPERTY. 12. On XX/XX/XXXX XXXX XXXX provided a Certified copy of a Death Certificate of XXXX XXXX, XXXX XXXX also cancelled Instrument numbers XXXX and XXXX. 13. XX/XX/XXXX XXXX XXXX then filed a Full Reconveyance of Deed. 14. XX/XX/XXXX XXXX XXXX filed The Warranty Deed in the XXXX County deed records. A year had passed since notice provided to the Lender and they never responded. 15. Green Tree XXXX has no recording of Business with the Secretary of State, XXXX XXXX will provide certified Copies from them. 16. XXXX XXXX brought this matter before the court and claims no liability or responsibility of the sale? They were not ASSIGNED UNTIL XX/XX/XXXX Over a year after this was filled? 17. XXXX XXXX FIRST ANSWER covered the Assignment matter straight to the point of no QUESTION? Filed XX/XX/XXXX, yes it was filled before she was officially served XX/XX/XXXX. Because she was made aware of it before being served, a Second answer was filed XX/XX/XXXX. 18. The entire mater boils down to this, XX/XX/XXXX XXXX XXXX and XXXX XXXX were provided written verification from CFPB they were victims of the STIPULATED CONCENT JUDGEMENT entered between Green Tree and FTC AND CFPB. Green Tree knew they held no standing in bringing Foreclosure therefore XXXX XXXX XXXX XXXX. on behalf of Green Tree XXXX. Mistake # 1 XXXX XXXX was not a trustee until they fraudulently filed on XX/XX/XXXX backdating the assignment? Mistake # 2 Green Tree XXXX DOES NOT EXIST IN TEXAS SECRETARY OF STATE RECORDS. Mistake # 3 XXXX and XXXX XXXX were not properly served per 736.3 and TEXAS RULES OF PROCEDURE RULE 106 ( a ) ( 1 ) Mistake # 4 XXXX and XXXX provided a fraudulent statement to the Court, FRAUD UPON THE COURT. XXXX XXXX Argued every point and they all ignored her. Mistake # 5 Claiming The Company name DITECH after filling the Lawsuit. Mistake # 6 Judge XXXX signed a Order of Foreclosure missing a NOTARY? Mistake # 7 XXXX XXXX pointed out the document claimed to be the note was Fraudulent and copied from the XXXX County Clerk office, no original document. Upon XXXX Explanation to the Judge the Attorney for XXXX and XXXX jerked the document out of her hand before she was finished speaking. ( THE JUDGE ALLOWED THIS AND SO MUCH MORE ) Mistake # 8 XXXX XXXX as Trustee on behalf of Green Tree XXXX has been verified as INDENTURE TRUSTEE, THIS IS SOMETHING NOT OUTLINED IN THE CONTRACT. THERE WAS NO MENTION OF BACKED SECURITIES AND SECIRITIZATION. Mistake # 9 Green Tree assigned all rights unto XXXX XXXX XXXX on XX/XX/XXXX. Then Green Tree accepted payments from the XXXX Monthly from XXXX to XXXX? Mistake # 10 XXXX XXXX HELD STANDING, POSSESSION OF THE ASSIGNMENT FROM GREENTREE XX/XX/XXXX. NOT GREEN TREE. GREEN TREE signed all rights over to XXXX XXXX on XX/XX/XXXX. Mistake # 11 XXXX XXXX committed fraud by any sale to XXXX XXXX, XXXX XXXX and Green Tree have no rights to claim this property. Please read the contents of the Consent order, XXXX XXXX offers that this ORDER SHALL BE EXECUTED IN THIS CURRENT MATTER, IF THIS COURT DOES NOT HOLD JURISDICTION TO ENFORCE THIS ORDER, XXXX XXXX DEMANDS THE COURT RECUSE ITS STANDING TO ENFORCE AND TRANSFER THE MATTER INTO A HIGHER COURT WITH THE ABILITY TO ENFORE AN ORDER THAT XXXX XXXX HOLDS RIGHTS OF ENFORCEMENT OF. A copy of this entire complaint, request for Contempt Order and copies of XXXX XXXX XXXX filings have been submitted to the FTC as a complaint of NON ENFORCEMENT OF THE COURT ORDER RENDERED AND VIOLATED. A copy will also be provided to the XXXX County District Attorneys Office for a review of XXXX XXXX execution of fraud in claiming XXXX XXXX sold her mobile home to him, SHE DID NOT. XXXX XXXX request that the Court grant the JUDICIAL REVIEW which was requested to start with and the opposing side has kept the review from proceeding, this is a demand for due process. XXXX XXXX will satisfy the courts requirements to establish a proper assignment was not exercised, the opposing side wants you to believe XXXX XXXX has been un-successful in these attempts, for one they have not been granted, furthermore Honorable Judge XXXX XXXX has reviewed this assignment process twice in her court and both times determined there were title issues and ruled in the favor of XXXX XXXX. The claim of un-successful attempts by XXXX XXXX the attorney for XXXX XXXX is NONSENSE. XXXX XXXX is aware of another case in XXXX County this year that was granted a Judicial Review and it was reversed upon these findings, Please proceed with this request for a Judicial Review, This case should not have gotten this far, if a Judicial Review were granted we would see a change in direction. Thank you. XXXX XXXX filed this case almost a year ago has waited patiently for the execution of her request. XXXX XXXX opposes XXXX XXXX request for a Summary Judgement, XXXX XXXX offers that she filed this request for a Judicial Review. This is what the Court should be focused on, the other side has done everything to distract the reason this was opened and DEMANDS THE COURT TAKE NOTE THAT THE JUDICIAL REVIEW HAS NOT BEEN EXECUTED. This must occur before granting any other request from anyone.
07/27/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	OH 43055	Web
I am trying to get a loan modification with Dietech Financial LLC FIRST ATTEMPT XX/XX/XXXX I faxed all of the requested information required by Dietech to apply for a FHA LOAN modification due to a recent divorce and was behind on my mortgage. I called and spoke to XXXX and was informed they had my recent application and that it was completed properly and I had furnished all required documentation of income as they require. XX/XX/XXXXI sent a mortgage payment for {$680.00} to Dietech Financial LLC. My actual mortgage payment is {$580.00} I sent extra so they could apply the difference to the past due amount. XX/XX/XXXX I sent a mortgage payment for {$670.00} to Dietech Financial LLC. My actual mortgage payment is {$580.00} I sent extra so they could apply the difference to the past due amount.XX/XX/XXXX I received my checks back in the mail with a letter from Dietech Financial LLC that the amounts I sent in did not cover the past due amount in full and therefore they could NOT ACCEPT my payments. XX/XX/XXXX I received a letter of denial from Dietech. The reason for the denial was they did n't receive the proper documentation and paperwork from me.XX/XX/XXXX I spoke to XXXX ext # XXXX and was then informed that there had been a mistake, they had received the proper paperwork but 30 days had passed and they need me to re-apply and send all new documentation. XX/XX/XXXX I received a letter from Dietech Financial LLC informing that I had an assigned account representative XXXX XXXX XXXX ext XXXX to work on my loss mitigation claim. SECOND ATTEMPTXX/XX/XXXX I faxed the required documentation per Dietech Financial LLC request. I called and spoke to XXXX a " loss mitigation '' specialist. He informed my I had not filled in form XXXX correctly and I needed to resend the information again.XX/XX/XXXX I received a letter from Dietech Financial LLC that my mortgage had been sold to XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX but the letter stated that I still needed to contact Dietech Financial LLC for loan servicing. XX/XX/XXXX I faxed more documentation to Dietech Financial LLC. XX/XX/XXXX I spoke to XXXX XXXX and she informed me they did not show receiving the documentation. I refaxed the XXXX to them on this day. I rec 'd a confirmation on my fax machine that the fax did go through. On this same day I talked to XXXX " Relationship Manager '' and he verified that they had received my correctly completed application and it would take one week for my case to get assigned. XXXX at that time told me I would receive a letter stating the $ amount I would have to pay for 3 months on time to qualify for a loan modification. At this time I was {$2700.00} behind and it would take 123 days for late charges to go away after they received my 3 month trial payments. XX/XX/XXXX I sent an email to Dietech Financial LLC asking to update me on the status of my loan modification. I did not receive a response from them. XX/XX/XXXX I called and spoke to XXXX ext XXXX and gave him my email address during the conversation. I called to inquire about the status of my application. I was advised I had to wait for them to review and I would receive a letter in the next 10 business days with instructions on how we are going to proceed. I did not receive any such letter. XX/XX/XXXX I spoke to XXXX XXXX ext XXXX to inquire about the status of my loss mitigation. I was assured by this customer service rep that my application was " in process '' and to be patient. XX/XX/XXXXI spoke to XXXX XXXX ext XXXX to inquire about the status of my loss mitigation. I was assured by this customer service rep that my application was " in process '' according to their computer system. XX/XX/XXXX I was told by XXXX to call the loss mitigation department directly and speak to XXXX ext XXXX. I called XXXX who is in XXXX, AZ and the phone rang and no voice mail options were presented. XX/XX/XXXX I emailed Dietech Financial LLC again due to it now being 177 days since I first spoke to them on the phone concerning my late payments. XX/XX/XXXX I spoke to XXXX ext XXXX. I was told that the system had a " glitch '' and my requests had not been processed. XXXX then stated she would " re-refer '' my application. She told me I had been assigned a " Relationship Manager '' and that there was no need to send new documentation, they show receiving my 2nd correctly completed application and in 2-3 days I would receive a call from my Relationship Manager. The call never came. XX/XX/XXXX I called Dietech Financial LLC and spoke to XX/XX/XXXX ext XX/XX/XXXXwho was unable to tell me anything about my loan modification application and transferred me to XXXX ext XXXX. I was told I needed to fill out a LOSS MITIGATION PACKET once again as they showed in their system my first and second attempt had never been filed in their system. THIRD ATTEMPT XX/XX/XXXX I rec 'd the new Loss Mitigation packet. I filled out all required documentation, I called to confirm they received it and it was 100 % correct. I spoke to XXXX ext XXXX XX/XX/XXXX I spoke to XXXX ext XXXX and she confirmed my documents were scanned into their system onXX/XX/XXXX. At this point in time I am now behind {$4700.00} and I reminded them I sent the two separate payments inXX/XX/XXXX that they refused to accept due to them not being the full amount. XX/XX/XXXX I spoke to XXXX ext XXXX and she confirmed that all documents were received and a " referral '' was sent to a relationship manager on XX/XX/XXXX. XXXX submitted for the loan modification for what is now the THIRD ATTEMPT. She noticed my application had been getting " kicked back '' every time since my first attempt due to a Dietech Financial LLC " glitch '' in their system. She advised that it is an internal system problem due to my loan being sold to XXXX. XXXX stated that XXXX will follow through on it with Dietech Financial LLC.XX/XX/XXXX I received a letter from Dietech Financial LLC that my application for a loan modification had been received and is complete. I have been approved for a loan modification loan. FINALLY-or so I thought. XX/XX/XXXX I signed the " Trial loan Period Plan '' documents and sent back to Dietech Financial LLC. I was to pay {$580.00} for XXXX, XXXX and XXXX payments on time to qualify for the final modification.XX/XX/XXXX I spoke to XXXX and set up 3 automatic payments from my checking account to auto draft on XX/XX/XXXX for {$580.00} for the required trial period of payments being received on time per his direction the amount would be 3 payments of {$580.00}. XX/XX/XXXX my first payment of {$580.00} had been deducted from my checking account for my first payment that was due XX/XX/XXXX. I paid the XXXX payment early. XX/XX/XXXX my second payment of {$580.00} had been deducted from my checking account for my second payment that was due XX/XX/XXXX. I paid the XXXX payment early. XX/XX/XXXX my third and final payment that was required to be made to meet their terms of 3 months paid on time in the amount of {$580.00} was made onXX/XX/XXXX for the month of XXXX. I paid the XXXX payment early. XX/XX/XXXX I received a call from Dietech Financial LLC stating that their customer service person made an error and I needed to pay them {$6.00} to fulfill my commitment and qualify for the loan modification. I was assured at this time that I had met all requirements and would be approved. I would be receiving a letter to inform me of what my new payments would be. XX/XX/XXXX I received a letter from Dietech Financial LLC datedXX/XX/XXXX that I failed to make my 3 monthly trial payments on time and was DENIED. The letter states that I did not meet the requirements of Federal Housing Adminstration and XXXX. XX/XX/XXXX I called and spoke to XXXX ext XXXX about this and it must be a mistake. XXXX assured me he had emailed his supervisor XXXX to let her know that I still qualify and the letter was sent to me by mistake. XXXX was unable to provide me with a reference number for our conversation and would not give me his supervisors contact information. He advised that I could " take his word '' that this situation is not as it seems and their system has a " glitch ''. At this point I knew not to trust what the customer service representative told me and followed the " FORMAL LETTER OF APPEAL '' to the decision and sent it US POSTAL CERTIFIED MAIL with a signature required and a return card to my home so I could have proof of my appeal. Due to the mutiple " issues '' with my first 2 applications for a home loan modification I followed through with the formal letter of appeal to the denial letter. In this letter I included screenshots of each withdraw from my checking account by Dietech as stated in the time line above as proof that I had adhered to the required terms to qualify for the loan modification. XX/XX/XXXX I made a payment of {$580.00} for the month of XX/XX/XXXX payment. XX/XX/XXXX I received the certified mail signed receipt from Dietech and they did receive my appeal in writing. I also received a certified mail notice to pick up at the post office. XX/XX/XXXX I picked up the letter and it was from Dietech stating that this is a FORMAL LETTER advising you that I have been denied and the total amount of {$5900.00} is now due byXX/XX/XXXX or they will proceed with FORECLOSURE. I called immediately and spoke to XXXX ext XXXX about this letter. He had no idea what I was talking about. I explained my entire situation to him and he said he would forward me to his manager. His manager was busy with another customer and XXXX advised me to leave a voicemail on his managers extension and his manager XXXX XXXX would call me back immediately to remedy this error on their end. XXXX forwarded me to XXXX XXXX and their system gave me an automated message saying " that extension does not exist '' and I ended up in a never ending loop of the same message. I hung up and that is why I am filing a formal complaint against Dietech Financial LLC. Dietech Financial LLC has been nothing but a hassle through this whole process. While I understand it is not their fault I need a loan modification, they showed gross negligence and incompetence in handling all 3 of my loan modification applications and do not have a resolution for this yet. I have been passed from one customer service representative to another through the entire process. I have been promised the problem is NOT on my end and it is on their end due to XXXX buying my mortgage and system glitches. As of this minute I am still not approved for a home modification. I am beyond frustrated with their lack of follow through and constant denials based on their records. I have a time line, names, extensions, letters from them and a signed certified letter to back my claims of gross customer neglect to provide if you need them to support my claims. Sincerely, XXXX XXXX XXXX
10/04/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA XXXXX	Web
XX/XX/XXXX XXXX XXXX XXXX c/o XXXX XXXX ( P.O.A ) XXXX XXXX XXXX XXXX, Ga XXXX On XX/XX/XXXX, XXXX XXXX XXXX, had responded on the behalf of Ditech, LLC ( servicer ) & XXXX XXXX ( investor ) in regards to XXXX XXXX XXXX XXXX compliant against the decision of loan modification. Once again, XXXX XXXX XXXX, has neglected to inform us why Ditech, LLC made us to complete the loss mitigation forms TWICE knowing that account was NOT DELINQUENT 90 DAYS. As I have stated, we fully understand why decision was made ; however, the decision that was provided could have prevented a lot of wasted time, long waiting, and paperwork to be completed if was advise at the beginning process. Ditech LLC made this a difficult process, and stated the first set of forms that were not submitted on time & the required documents were missing. However, the forms were sent in on time, and had the fax confirmation to prove the documents were sent in on time. As I have stated, NO ONE from Ditech LLC or XXXX XXXX had even made an attempt to advise us to BE APPROVED FOR THE LOSS MITIGATION PROGRAM THE ACCOUNT MUST BE DELINQUENT. Therefore, if SOMEONE would have advised from reviewing XXXX XXXX account it appears that the account is NOT DELINQUENT 90 DAYS to complete the Loss Mitigation Program Forms. Then at this point we could have asked FOR what other options we could have made to XXXX XXXX mortgage cheaper. ONCE AGAIN, we were advised to complete the Loss Mitigation to make XXXX XXXX mortgage cheaper. Yes, the representative did advise XXXX XXXX of the Know Your Options website after the decision was made on XX/XX/XXXX OF DENIED BASED ON THE ACCOUNT IS NOT DELINQUENT 90 DAYS as XXXX XXXX XXXX stated. However, the Know Your Options is a good tool to use to let consumers know if they would meet the qualifications of a Loss Mitigation Program, but we did not know about this website until XX/XX/XXXX. In addition, XXXX XXXX stated, we were provided other options in regards to Loss Mitigation on XX/XX/XXXX. If the representative did provide additional Loss Mitigation options from DITECH, LLC, THEN WHY ARE WE COMPLAINING AGAINST DITECH, LLC & WHERE ARE THOSE ADDITIONAL LOSS MITIGATION FORMS THAT COULD BE FILLED OUT? Furthermore, XXXX XXXX website do explain Know Your Options ; however, the website do explain in details the qualifications of XXXX XXXX Loss Mitigation Program, and that any XXXX XXXX mortgage accounts MUST BE DELINQUENT 90 DAYS. Since the representative did advise of the Know Your Options website, here is the proof that Ditech, LLC is aware of the guidelines of the process to approve a consumer for the XXXX XXXX Loss Mitigation Program. Therefore, IF we were advised prior of XX/XX/XXXX of this information, then we could figure another way to make the XXXX XXXX mortgage cheaper. After filing a complaint the first time against Ditech, LLC, and we were made to complete the LOSS MITIGATION FORMS FOR A SECOND TIME. Once again we were advised that some documents were missing & additional documents are required to complete the process of the Loss Mitigation Forms, but not the account is not DELINQUENT 90 DAYS. Finally, the representative XXXX XXXX that is stated by XXXX XXXX in his response to the complaint on XX/XX/XXXX, is not the account representative that we have been working with during this process. The account representative name is XXXX XXXX, and XXXX XXXX is the representative stating that XXXX XXXX is not approved based on the account not being Delinquent 90 days. Until we receive an answer on WHY WE WERE MADE TO FILE THEM FORMS OUT TWICE KNOWING THE ACCOUNT WAS NOT DELINQUET 90 DAYS, then I am going to complain until this made right. Thanks XXXX On XX/XX/XXXX, XXXX XXXX XXXX, had responded on the behalf of Ditech, LLC ( servicer ) & XXXX XXXX ( investor ) in regards to XXXX XXXX XXXX XXXX compliant against the decision of her loan modification. Yes, XXXX XXXX is aware that the decision of the loan modification was based on the guidelines of XXXX XXXX loan modification program. However, XXXX XXXX & XXXX XXXX wanted to know why, XXXX XXXX XXXX, was made to complete the loan modification twice, and both Ditech LLC & XXXX knew that XXXX XXXX mortgage was not delinquent. XXXX XXXX has spoken to several representatives at Ditech LLC, the account representative XXXX XXXX, XXXX XXXX, and XXXX with XXXX XXXX, and none of those individuals had advised, XXXX XXXX or XXXX XXXX, that the mortgage does not meet the qualification of the loan modification program. As matter of fact, XXXX XXXX was required twice to answers questions to see if the account met the qualification of the loan modification program, and each time representative was advised that, XXXX XXXX is barely making the mortgage payments based on her SSI income of {$800.00}. Once again, nobody informed them that the account had to be 60 days delinquent or death or divorce or disability. XXXX XXXX stated, Pursuant to the investors modification guidelines, a loan applicant must show imminent default if the loan is not more than sixty days past due. Imminent default is considered one of the following events : Death Divorce Disability Ditechs records reflect that we received a completed loss mitigation application from XXXX XXXX on XX/XX/XXXX. XXXX XXXX loan was reviewed for a modification and the enclosed modification denial letter was sent on XX/XX/XXXX, as the loan is current and XXXX XXXX did not provide any evidence of imminent default. If XXXX XXXX was advised of these requirements before completing all the required documents twice, XXXX XXXX caused have requested for another form of assistance ; however, XXXX XXXX was not advised & that is not just. Furthermore, XXXX XXXX stated, XXXX XXXX is able to appeal the decision if she believes the determination was made in error.Once a complaint was submitted to the Consumer Finance on, XX/XX/XXXX, that was XXXX XXXX filing appeal against the decision that was made that was not brought to her attention prior to completing those documents. In addition, XXXX XXXX stated, We are committed to working with XXXX XXXX on her loss mitigation needs. Please have XXXX XXXX contact Ditech at XXXX with additional questions or concerns.However, XXXX XXXX did call on, XX/XX/XXXX, and the representative advised XXXX XXXX to sell XXXX XXXX home since she can not afford to keep the house. Therefore, Ditech LLC was not committed on working with XXXX XXXX, and no additional options were provided on the committed on working with XXXX XXXX when the letter from Ditech LLC was sent on XX/XX/XXXX. Finally, why were the documents made to be completed & individuals were aware the account was not delinquent. Therefore, this is not just & is wrong on the behalf of Ditech LLC & XXXX XXXX who are committed to working with XXXX XXXX. Thanks XXXX XXXX Below is the letter sent to Consumer Finance on XX/XX/XXXX. XX/XX/XXXX The purpose of this letter is to file a complaint against Ditech LLC ( servicer ) & XXXX XXXX ( investor ). Around XX/XX/XXXX or XX/XX/XXXX, XXXX XXXX had contacted Ditech ( servicer ) for some assistance on the mortgage payments. XXXX XXXX advised the representative the mortgage payments are almost amount received for her SSI. Thus, XXXX XXXX is experiencing financial hardship due increase of expenses around the house. The representative confirmed that Ditech can aid with this request, but XXXX XXXX is required answer a few questions to see if qualified to receive some forms from XXXX XXXX to aid with her request of a manageable mortgage payment. I, XXXX XXXX, am XXXX XXXX son, and I assisted my mother with answering those questions & filling out the forms ; however, XXXX XXXX or I was not advised the main requirement required to be approve for assistance from Ditech & XXXX XXXX. XXXX XXXX & I was never advised by all the representatives & supervisors from Ditech, letters from Ditech, missing documents from Ditech & XXXX w/ XXXX XXXX , XXXX response from the file compliant, XXXX 15 days investigating against Ditech , emails from XXXX , and phone calls with XXXX that we were advised that XXXX XXXX mortgage payments must be 60 to 90 days delinquent before providing any assistance. Therefore, our thought process is why send the forms for assistance twice, why tell us what documents were missing, why send all the required documents & forms for assistance, and why do a 15 days investigation if Ditech & XXXX w/ XXXX XXXX both knew XXXX XXXX mortgage payments were not delinquent & the account would not be approved because of this reason. When XXXX XXXX called Ditech on XX/XX/XXXX to see why, and a representative stated it was XXXX XXXX who made the decision & that maybe my mother should sell her home if she could not afford her home. However, XXXX w/ XXXX XXXX stated it was Ditech who made the decision, and it was nothing XXXX XXXX could do as an investor. Then XXXX XXXX refused to provide XXXX XXXX with a supervisor, that all supervisors have a set schedule, the supervisors do not wait after XXXX to speak with consumers, and stated did advised XXXX XXXX of the 60 90 days delinquent. Thus, I reviewed all letters, documents, & emails very careful before writing this letter, and it was nothing said about the 60 90 days delinquent requirements. Now, XXXX XXXX mortgage payments are going to be {$860.00} w/ a SSI income of {$800.00}. All the letters & documents stated some kind of assistance would be provided ; however, we only got a rejected letter. Thanks XXXX XXXX
01/26/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75231	Web
My grandfather, XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX my grandmother, his spouse, asked me to call the mortgage company ( Ditech Financial LLC ) on her behalf and make a payment of {$660.00}. She explained she and my grandfather had fallen behind on their mortgage and she did n't have the energy to handle speaking with the mortgage company due to how they have spoken to her in the past. I agreed without hesitation to help her by calling the company and agreed to make the payment using her checking account information as she requested. Upon speaking with a representative named " XXXX, '' I was greeted with a normal customer service interaction. She said I would need permission of my grandmother before I could discuss any account information or make a payment. I handed the phone to my grandmother who authorized me to act on her behalf for the phone call and payment. She also indicated that her husband, had recently XXXX XXXX, and that she was not feeling well enough to handle finances. She designated me as her " helper '' and gave the customer service representative authorization. XXXX, the customer service rep began explaining to me how behind the account had fallen, how much was owed, etc. This information was not new to me. My grandmother already explained the account had fallen behind. She showed me letters in which she had received, and I read them. I also watched as my grandfather XXXX in XXXX and was XXXX at home for months before his XXXX. His XXXX was traumatic and affected all of us deeply. He XXXX XXXX and XXXX, and when my grandmother explained to me that they had fallen behind on payments, I did not feel it appropriate to dig into the exact reasons why, what their money was spent on, and before speaking to her I had no idea they had even fallen behind. XXXX, the customer service rep refused to take the payment my grandmother authorized me to make. My grandmother asked me to pay {$660.00}. She first told me she could only take a payment for the full balance due of over {$4000.00}. I knew for a fact that my grandmother could not afford to pay the full balance, and she did not authorize me to pay anything more than {$660.00}. XXXX began asking inappropriate questions attempting to emotionally abuse me and harass me. My grandfather, my grandmother, and my mother had told me stories of how this mortgage company had harassed them in the past, even reducing my mother to tears at one point. I called the company with a clean-slate attitude and decided to be professional. XXXX 's inappropriate questions were, " What happened to the money? '' " Why did n't they pay? '' " If you spend part of your time living there, why have n't you contributed to helping your grandparents? '' " Are you aware that we can foreclose on this house? '' Unfortunately, as I began answering many of her inappropriate lines of questions, she attempted to continue badgering me with additional questions and attempted to talk over me. I XXXX XXXX XXXX for five years, and I am a XXXX XXXX for an XXXX XXXX. This is the kind of behavior I have seen from adolescent teenagers. It was ridiculous, over-the-top, and quite frankly horribly insensitive given the fact that we had just XXXX our grandfather, of which, XXXX did not even acknowledge until the end of the call. Unfortunately, I had to explain to XXXX that I do contribute to my grandparents and help them in every way that I can. Anything about what I do for my grandparents, however, was none of her business, and she had no right asking me why I did not help as if to use the XXXX of my grandfather to guilt me into feeling as though I did not help. She failed to do that, but the fact that she attempted to do it was disgusting. Asking me what happened to the money? That was not my business, nor was I in any position to answer because I do not know. Asking me why payments were not made? That was not my business, nor was I in any position to answer because I do not know. I do know that my grandfather was XXXX, in XXXX, XXXX, and my grandmother was his chosen caregiver who had to XXXX him, XXXX XXXX XXXX, provide him with whatever he needed, spent months watching him XXXX until he XXXX XXXX and XXXX with several family members happening to be present on that sad and terrible day. She was mentally, physically, and emotionally exhausted. She was traumatized by his tragic XXXX, and quite frankly, I am extremely glad that my grandmother did not have to face the line of questioning from XXXX with Ditech Financial LLC. Although I was disturbed at what kind of person would have the audacity to treat me in this way after just having lost my grandfather with the worst excuse for customer service I have ever experienced, I am wondering how she still works there, and quite frankly, if it is even legal to harass someone who simply granted a request from a grandparent to call and make a payment on her behalf because she was not feeling up to the task due to XXXX her husband of over 50 years. Let me explain something to you about this " mortgage. '' My grandparents were simple people. My grandfather was a XXXX, and my grandmother worked at a XXXX XXXX. That was their jobs for most of their lives. Before that they XXXX XXXX in the fields. They were poor. The house which they were able to obtain was in terrible condition when they bought it. Walls in almost every room had the electrical wiring ripped out of every wall and socket, and the drywall had huge strips missing where two by fours and insulation could be seen. The foundation was poor leaving cracks all throughout the house. The roof leaks every time it rains. The plumbing is horrible. There are holes in the ceiling in which you can see the sky, half the electrical sockets and outlets do n't work. The house was crumbling and falling apart, and many family members have volunteered over the years to make as many repairs as possible to make the house something they could call a home. It was overpriced, crumbling, had an extremely high interest rate, but it was all they qualified for, and as they entered their retirement years, they felt it was their only choice. For a house so dilapidated, for a shady mortgage, for a life XXXX, and for a family grieving, to have XXXX talk to me this way was downright deplorable. Did I lose my temper when speaking with her, yes. Did I harass or abuse her as she did me, no I did not. As a matter of fact, I tried to collect myself so as not to anger her into taking retaliatory action and foreclosing on my grandmother 's house and forcing her to move after having XXXX my grandfather, her husband, of over 50 years. XXXX offered a way to help alleviate the passed due mortgage payments, and add them to the end of the loan to bring the account current. She also spoke of applying for a loan modification. Although this was helpful, this does not in any way whatsoever excuse her horrendous an inappropriate, harassing behavior. I have had all kinds of customer service experiences over the years. I used to work in XXXX for a major company myself, and worked in XXXX XXXX. Never have I witnessed the tactics I experienced from XXXX. This customer service representative needs to be investigated and fired. The company 's collection practices need to be investigated. Ditech has a recording of this phone call because the phone call began with a recorded message saying the call was being recorded. While doing your investigation, be careful not to rely on XXXX 's notes regarding the interaction. I could hear her typing furiously as I spoke to her. I asked her to make specific notes on the account. I told her to please note that I was attempting to make a payment of {$660.00} as my grandmother had asked me to do, but that she was refusing the payment. She proceeded to tell me that no, she would not note that on the account. I pressed mute on my phone to discuss the interchange with my mother who was listening to my side of the conversation as she sat next to me, and I put it on speaker phone. As I explained to my mother what transpired, all you could hear for minutes was the sound of keystrokes by XXXX, no doubt, putting detailed notes into the account of things I have no idea in which she was stating. Most likely putting in negative remarks that would portray her efforts in a positive light while leaving out her horrendous line of questioning, her aggressive, and her inhumane collection tactics. Please investigate this customer service representative. Please investigate this company, and please follow up to ensure that they do not retaliate and evict my grandmother. We are trying to put our resources together as a family to help her get caught up on her mortgage, but she should never have to face the kind of tactics that I had to face when all I simply wanted to do was call in and make a payment. For further reference, the account representative assigned to this specific mortgage account, I was told, is name is XXXX. Her extension I was told is XXXX. This phone call took place on the afternoon of XX/XX/XXXX. A payment was made as authorized by my grandmother of {$790.00}.
10/19/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 023XX	Web
Hello, It needs to be noted with importance that weve asked multiple times for our concerns to be heard, fully investigated and acknowledged by ditech. This is a very serious matter and the severe emotional distress we are continuing to suffer as a result of gross misconduct by XXXX XXXX XXXX the Company ) and ditech as well as any other affiliates, non affiliates and any additional subsidiaries, Board of Directors and Elective Officers, respectively are very troubling. In addition, we have and continue to dispute any and all debt referenced directly or indirectly, with the XXXX. Further, we filed a complaint with the Massachusetts Attorney XXXX XXXX in XXXX XXXX over the Company and Ditech 's business practices concerning our account. As of date of this letter, Ditech has not responded to settle this matter. First, my family has been nothing more than collateral damage when it comes to the XXXX and its own financial uncertainty. Our original note was with XXXX with an origination date of XXXX XXXX, XXXX. Our starting balance was {$270000.00}. It was received and recorded in the XXXX of Massachusetts, XXXX XXXX XXXX of Deeds on XXXX XXXX, XXXX. Subsequently, our loan was sold to Green Tree XXXX Green Tree an affiliate of Ditech and both subsidiaries of the XXXX XXXX. Next, Green Tree posted our initial balance short and after repeated attempts by us to rectify our account and specifically our starting balance our concerns went unanswered. Our balance after our XXXX XXXX payment is {$82000.00}. Then, Green Tree would indicate our account was late and our scheduled payment was not received. Green Tree then required us to make immediate payments that resulted in additional fees and charges. After these payments with associated fees were made, our initial payments would post and it would often be applied to unapplied funds. Therefore, we asked for statements and an updated account history that reflected dates of our payments, when our payments were processed and precisely how our funds were actually being applied to our loan. XXXX, Ditech listed all transactions as payments. Simply, there was no delineation as to when, where or how our money was posted and how these payments affected our loan balance. Further, once our payments were put in unapplied funds we were assessed more unrecognized charges and fees. Once these fees and charges were assessed our money would continue to be parked in unapplied funds. Our monthly payment was not applied and our money would just sit in unapplied funds for " unreasonable '' amounts of time. There was no running balance or history of the money put into UAFs account. In addition our monthly statements did not reflect the total amount we actually paid. Our total payment would often be higher than the previous month 's statement had indicated. Eventually, our payments would be grouped and posted to our account as a reconciliation. This would result in large principal payments but would not identify why our payment made and the transaction did not reconcile. We repeatedly asked for updated account statements and a full detailed transaction history, but we never received anything. Likewise, there was no accurate or running record of our principal mortgage balance and we questioned how our balanced varied and to the degree that it did. Next, Ditech did not adhere to the terms of our loan or the escrow waiver and in XXXX XXXX Ditech added an escrow account to our loan. We indicated to Ditech we did not have an escrow account and our loan reflected as such with a mortgage escrow waiver. Now, in addition to our concerns with our payment history and varying loan balance, we also now had to deal with the grave mishandling of the escrow funds. The constant mismanagement caused our family to suffer severe emotional distress and angst. Instead of helping us Ditech chose intimidation, in lieu of researching our account to address the unethical business practices and not adhering to the purpose of their XXXX XXXX. Our repeated calls to XXXX Customer Service Department resulted in representatives placing us on hold for significant periods of time, simply disconnecting the call, or representatives never returning to the line. We made repeated attempts to speak with the Ditech but they still continued with the same immoral, unethical and unprofessional business practices. Therefore, in XXXX XXXX we filed a complaint with the Massachusetts Attorney XXXX XXXX. We were assured that Ditech would stop these wrongdoings and would remove all escrow accounts, return all money, as well as any late charges and fees posted to our account. Additionally, our account would be updated to reflect an accurate payment history and account balance and any negative information would be removed immediately from any and all credit reporting agencies from the Company and any and all affiliates and subsidiaries. But, its very disheartening that as of the date of this letter, the AGs office has not been able to get Ditech to respond to their attempts to settle the matter. We are well educated responsible Americans that are very concerned about what more the Company and their affiliates and subsidiaries can do with these deceitful practices of harassment and intimidation. We should be celebrating with our children on our financial responsibility to homeownership but because of the unacceptable wrongdoings caused by the Company and its subsidiaries, we cant. Our most recent correspondence from Ditech dated XXXX XXXX, XXXX and received by us via regular mail on XXXX XXXX, XXXX indicated that Ditech is going to foreclose on our property as of XXXX XXXX, XXXX. In the same mailing it also included a congratulations letter indicating weve been approved for a modification Trial Period Plan that would modify our existing loan for an additional 40 years. But, not before we made XXXX additional payments of {$720.00} for a Specific Trial Period. XXXX provided supporting evidence documenting these transgressions and the Company, its affiliates and subsidiaries ignore our requests and instead use intimidation and fear to disregard these business practices and us, their customer. According to the XXXX XXXX XXXX XXXX, posted on its website and amended as of XXXX XXXX, XXXX their purpose is : The Company values its reputation for honesty, fairness and integrity. The Company holds its officers, directors, and employees to these standards and expects them to adhere to these values and demonstrate professionalism and respect in dealings with our customers, suppliers, business partners, shareholders and each other. The purpose of the XXXX shall be to assist the XXXX XXXX XXXX XXXX XXXX Company with oversight of The Companys compliance management system, including its program for compliance with state and Federal consumer financial protection laws, rules and regulations and other laws, rules, regulations, guidance and standards governing its consumer-oriented businesses, including those governing its dealings with government sponsored enterprises ( the Consumer Business Regulations ) The Companys regulatory relations and its handling of key regulatory matters, The Companys management of risks relating to ethical, reputational and regulatory matters ; and The performance of the Companys compliance function. How does the Company adhere to their XXXX XXXX XXXX and its specific purpose when theyre exhibiting inappropriate business practices as grossly demonstrated with the evidence weve provided? Finally, we built a house in XXXX, Massachusetts and turned that house into a beautiful home for our family. Also, in less than 15 years we have paid off a mortgage balance of {$270000.00} on a XXXX note that had a maturity date of XXXX and instead of congratulating us on our success, the Company has continued to intimidate, harasses and threatened foreclose on our home unless we agree to an unjust modification. This modification would result in us paying Ditech {$36000.00} over 40 years. This is insane when we do not owe Ditech any more money. The Company, its affiliates and subsidiaries have caused such wrongdoings to our family over their unethical, immoral and incompetent business practices that it resulted in the mishandling of our account. These practices resulted in a continuous incorrect loan balance, inaccurate posting of payments in a timely manner, and finally the mishandling of our complaints to rectify our concerns in a timely manner so we do not have to file complaints that they 're threatening to take our home that we have paid on continously. In conclusion, we hope you can help us, and stop the financial and emotional carnage this Company and its affiliates and subsidiaries have ensued due to their gross incompetence, neglect of duties, immoral and unethical business practices and the unprofessional behavior of its employees that fosters such a deceitful and fraudulent environment. Thank you.
01/13/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 20772	Web
Complaint : Mortgage payment made to formal mortgage service provider, was not forwarded to current provider, nor returned to my bank account in accordance with the follow rule : Borrower Payments During Transfer of Servicing 12 CFR 1024.33 ( c ) During the 60-day period beginning on the date of transfer, no late fee or other penalty can be imposed on a borrower who has made a timely payment to the transferor servicer ( former servicer ). Additionally, if the transferor servicer ( former servicer ) receives any incorrect payments on or after the effective date of the transfer, the transferor servicer must either transfer the payment to the transferee servicer ( new servicer ) or return the payment and inform the payor of the proper recipient of the payment. On XX/XX/XXXX I received a mortgage statement from XXXX XXXX XXXX, requesting the usual mortgage payment for XX/XX/XXXX in the amount of {$1500.00}. ( Exh. A ) I was not delinquent in my payments, as evident in my payment history XX/XX/XXXX mortgage payment was satisfied as was all the previous months payments. ( Exh B ) I was not warned by Ditech, that they were transferring my mortgage services, and considering I did not receive notice 15 day prior to any transfer of service from Ditech pursuant 12 U.S. Code 2605 : I sent in my payment to Ditech, formally known as ( XXXX XXXX XXXX ) Mortgage Account Number : XXXX. On XX/XX/XXXX I scheduled an electronic payment from my bank XXXX XXXX XXXX to be delivered on XX/XX/XXXX. ( Exh. C ) On XX/XX/XXXX I received a mortgage statement from XXXX XXXX XXXX XXXX. ( XXXX XXXX. ), with all my information, which caused me to question just what was going on with my mortgage. ( Exh D. ) I called Ditech, and inquired about this discrepancy. Ditech confirmed that the mortgage service was transferred, and any questions should be directed to XXXX XXXX. I than asked what happen to my payment I made to Ditech for XX/XX/XXXX. mortgage? I was told that their record does show that the payment was made, and that it was forwarded to XXXX XXXX on XX/XX/XXXX. I then contacted ( XXXX XXXX ), and asked them, had they received the payment? I was informed that their records do not show any payment forwarded from Ditech, however, they would contact Ditech and if the payment was made they would update their records. They stated they would put in some sort of form of request for the payment from Ditech. On XX/XX/XXXX I received another statement XXXX dated XX/XX/XXXX showing a Past unpaid amount of {$1500.00} and a total amount due on XX/XX/XXXX of {$3100.00}. ( Exh E ) This is clearly an error or XXXX purposely did not record the payment they received from Ditech, or Ditech did not forward the payment. On XX/XX/XXXX ) contacted XXXX, and again inquired about the XXXX mortgage payment sent in to Ditech, which was transferred to XXXX on the XX/XX/XXXX. XXXX, stated there is no record of a transferred payment from Ditech, and I that I am delinquent in my payment. I asked XXXX customer service rep ( XXXX XXXX ) to hold on, while I call Ditech and conference them in, so we can clear this matter up. Ditech customer service rep. ( XXXX, operator XXXX ) informed XXXX, that their records show that my payment to them was received on XX/XX/XXXX and was forwarded to XXXX on XX/XX/XXXX. XXXX then said that they would file a Payment locator inquiry. Let me add : this entire exchange was recorded, by Ditech and XXXX. I was disconnect from Ditech, and I called them back, this time I spoke with a Ditech customer service rep named ( XXXX XXXX ) requested a confirmation and information that the payment was transferred to XXXX XXXX XXXX XXXX. on the date they claimed it was done. I was immediately placed on hold and transferred to a Ditech supervisor named XXXX XXXX, who claim now that she doesnt know if the payment was transferred, and have no idea when it would be transferred, naturally Im now upset, I was being purposely deceived and given the run around. It was now obvious that Ditech, had indeed receive the payment, but they did not forwarded it or returned it to the bank/my account. XX/XX/XXXX I sent Ditech a letter via fax and Priority mail, formally filing my complaint, and request that my XXXX. payment be forwarded to XXXX or return to my account. I provided them with proof of payment, as well as legal statues in reference to this matter. On XX/XX/XXXX I received a response from Ditech, which let me know they did not investigate my claim, the response made no sense ; they claim to have applied XX/XX/XXXX payment to XX/XX/XXXX payment. ( Exh. F ) I did not see how that could be possible, since my account was transferred before I made the payment, and they were not my service provider. Second, why would you apply a XX/XX/XXXX. payment to the previous month when XX/XX/XXXX payment was already paid? When I called them and asked about this discrepancy, they had no excuse and begin to focus on proof of payment and ask if I could provide them a front and back copy of the check I used for the payment. I informed them that the payment was made electronically ; I was then informed that I would have to have my bank provide the proof of payment. Even though I could not understand why they would need proof of payment when they already said that the payment was applied to XX/XX/XXXX payment, I did contact my bank, and explained my situation. XXXX XXXX XXXX credited my account for the amount in dispute, and decided to do an investigation in the belief that they made the error. ( Exh I ). When XXXX XXXX XXXX attempted to conduct their investigation they were denied access to my account, unless I give authorization, to which I did in writing and via phone conference. ( Exh J ) Finally XXXX XXXX XXXX provided Ditech with the proof they requested, and on XX/XX/XXXX, I received a letter from Ditech claiming they are once again investigating. I fear now that Ditech will continue to stall and give me the run around, as theyve been doing this entire time. ( Exh K ) My bank found that they did not do anything wrong and their investigation found that Ditech did in fact receive the {$1500.00} XXXX payment ; therefore they will debit my account for that amount. ( Exh L ). I used the money my bank credited to my account to pay my mortgage up to date, and now with my mortgage going up and the bank about to debit my account, I will be forced to be late on my mortgage because to Ditech deception, incompetence, or failure to take my complaint seriously. Ditech has violated several rules : pursuant 12 U.S. Code 2605 : ( b ) Notice by transferor of loan servicing at time of transfer ( 1 ) Notice requirement Each servicer of any federally related mortgage loan shall notify the borrower in writing of any assignment, sale, or transfer of the servicing of the loan to any other person. ( 2 ) Time of notice ( A ) In general Except as provided under subparagraphs ( B ) and ( C ), the notice required under paragraph ( 1 ) shall be made to the borrower not less than 15 days before the effective date of transfer of the servicing of the mortgage loan ( with respect to which such notice is made ). ( c ) Notice by transferee of loan servicing at time of transfer ( 1 ) Notice requirement Each transferee servicer to whom the servicing of any federally related mortgage loan is assigned, sold, or transferred shall notify the borrower of any such assignment, sale, or transfer. 12 CFR 1024.33 ( c ) During the 60-day period beginning on the date of transfer, no late fee or other penalty can be imposed on a borrower who has made a timely payment to the transferor servicer ( former servicer ). Additionally, if the transferor servicer ( former servicer ) receives any incorrect payments on or after the effective date of the transfer, the transferor servicer must either transfer the payment to the transferee servicer ( new servicer ) or return the payment and inform the payor of the proper recipient of the payment. Ditech is causing me undue hardship, because of their failure to properly investigate my claim and follow the rules according to Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act. I was legally advised that I should exhaust all other options to the resolve this matter, before seeking legal counsel. I believe Ive done all I can do, Ive file a complaint with XXXX XXXX and Ive made numerous attempts to reason with Ditech, I sent them all the necessary document to resolve this very simple matter, yet Ditech refuse to return my payment. I truly hope you can help me.
10/30/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 07003	Web
HELP PLEASE!! Once Again, I'm filing a complaint, regarding Ditech Financial. Once again, they have not applied all of my funds to my account, even with proof of payment, I provided. I contacted XXXX XXXX, for they are the servicer. I suspect they have altered my billing history as well, because the document stating my billing history, sent to me had bogus information. I don't want to lose my home. Please help me.Below are correspondences that were submitted to Ditech and XXXX XXXX, in attempt to assist me : From : XXXX, XXXX Sent : Sunday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Re : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX [ ref : XXXX : ref ] Good morning, just wanted to update you on the latest communication with Ditech. I called the agency on Friday to see if my proof of payment was received. Not to my surprise, I was advised that the initial proof of payment did not suffice. As such, Now!, they requested for me to resend my bank statement showing the before and after the payment hit my account, requesting to see my balance after the payment was deducted from my account. I went to XXXX Friday, XXXX XXXX, retrieved the information and the bank faxed the documentation for me. When I arrive to work on Monday, XX/XX/XXXX, I will provide the same to you. Thank you very much From : XXXX, XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Cc : XXXX Subject : RE : Acct # XXXX -XXXX XXXX c/o XXXX XXXX Importance : High Good morning, I called your agency on Friday, XX/XX/XXXX and inquired the status of my proof of payment documentation. I spoke with a representative from Ditech and was advised that I needed to submit additional information. The representative indicated that I needed to submit my bank statement indicating the balance of my account once the payment to Ditech was deducted from my account. This information was faxed on Friday, XX/XX/XXXX, from XXXXXXXX XXXX. In addition, I wanted to submit via email as well. Thanks much From : XXXX, XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX ' Cc : XXXX Subject : XXXX XXXX c/o XXXX XXXX I received a call today from Mr. XXXX x XXXX from your company, indicating that XXXX payment was not being shown on my account as being paid. Attached please find the requested proof of payment. As discussed, the XXXX payment was returned ; the payment for XXXX was received XX/XX/XXXX, in the amount of {$1800.00}. The requested payment in the amount of {$730.00} was posted to the account of XX/XX/XXXX and was released from my bank account of XX/XX/XXXX ( debit card payment ). Up on the receipt of XXXX payment, my regular payments were to resume as of XX/XX/XXXX in the amount of {$1500.00}. Please see the attached for proof of payment. This is totally FRUSTRATING!!! I have been dealing with this company and the lack of knowledgeable employees since XXXX. Either being provided with inaccurate information, lack of conveying appropriate information and some staff members are not able to articulated information they are attempting to convey, why? Because they do not understand, Perhaps the understanding of the importance of handling accounts, that can effect one from becoming homeless should be made as a mandatory training and hiring individuals who are professionals. Its like playing Russian Roulette overtime I call Ditech, hoping that I will get an representative that can comprehended and speak clear English. I also called to verify that the information provided to me was correct ; in that the incorrect amounts were calculated. I was instructed today by XXXX x XXXX Representative of Ditech, to request in writing. Since it appears that Ditech is attempting to cover their error, not too sure if they will confess, in writing, that they made an error. I spoke with three representatives and all conveyed the same information : XXXX x XXXX ; XXXX x XXXX ( Loss Mitigation ) and XXXX x XXXX. In the event Ditech states otherwise, at least I identified the names of the individuals who are fully aware of this matter Good Morning XXXX, XXXX, As discussed, attached please find the letter I received from Ditech regarding the repayment plan dates of commencing XX/XX/XXXX terminating XX/XX/XXXX. If you are experiencing difficulties in opening the document, please advise. From : XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To : XXXX XXXX XXXX XXXX Cc : " XXXX '' , XXXX XXXX Subject : Re : Consumer Engagement Resolution [ ref : XXXX : ref ] Thank you for your response. In your absents I received a call from your assistant XXXX. Unfortunately she was not of any assistance. Perhaps she is a new employee and apparently definitely in need of continued training. In any event I resolved the issue on my own. It appears, once again Ditech has yet again made a mistake.The Ditech representative XXXX x XXXX conveyed that the initial repayment plan calculation that were prepared by Ditech was in error. As such, the amounts that I paid for three months, {$1700.00} were insufficient. Therefore by Ditech providing me with the wrong amounts to pay, in addition to the increase of my mortgage payments, that were not part of the calculations, has placed me yet Yet again, in additional arrears. For the next ( 6 ) months, the amount of {$1900.00} I must pay, in order to become current. As this is my third time, seeking assistance from your agency, as it pertains to Ditech and their lack of adequately handling my account, these practices from Ditech is beyond unprofessional. As such once again, my account, I have encountered another setback, due to their negligence ; Needles to say, Im beyond upset and disgusted. I would like to file a formal complaint. Please advise as to how I should move forward. Thanking you in advance. XXXX XXXX Sent from my XXXX Just when I thought the Nightmare with Ditech had ceased, once again they strike. I received a call XX/XX/XXXX from Ditech, XXXX, ( stated she did not have an extension number ) The call was in reference to my XX/XX/XXXX mortgage payment and the late fees totally {$78.00}. I conveyed that I had the payment scheduled through my XXXX on-line billing for XX/XX/XXXX ; late fees scheduled for XX/XX/XXXX through the same entity method. At that time she advised that my mortgage payment increased totaling {$1700.00}. I indicated to her that there must be an error. She attempted to debate me on this subject and placed me on hold to investigate. XXXX, returned to the line and apologize for the error ; however, she explained to me that her records indicated my monthly payments are {$1400.00}, however, of 4.2 rate her records indicate 5.2. She advised me to speak to a representative in modification department. I was transferred to XXXX, I believe her name was. She advised that the error would be corrected to reflect the permanent modification amount. I placed a follow-up call to Ditech, when I arrived home from work and spoke with XXXX x XXXX. Her professionalism was commendable. She placed me a hold, read the entire notes on my account and realized that this issue began in XXXX-XXXX ; in addition, she was able to clearly articulate, explained and advised the issue and how this could be resolved. XXXX spoke with her supervisor, XXXX to review as the issue as well. They both saw the signed permanent modification and advised that me she or her supervisor would call me back once the proper department and team reviews, on XX/XX/XXXX. XXXX advised, that I should receive a call by Thursday, XX/XX/XXXX. XXXX, did provide some relief by stating that the executed permanent modification was scanned to my case file and clearly noted the mortgage amount of {$1400.00} I called XXXX XXXX once again to assist, me with the investigation and navigate on my behalf. Your agency has assisted me twice with issues I experienced with Ditech and always provided step by step updates and resolving the issue. I have samples of the many correspondence, ratifying back to XXXX to Ditech. I wanted to share with you. If you are in need additional assistance and or information, I can be reached at XXXX or XXXX or XXXX Looking forward in speaking with you.
08/01/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	VA 23324	Web	Servicemember
XXXX XXXX is the owner of my loan and they utilize a servicing company called Ditech to manage my account I refinanced with Ditech for a HARP Loan in or aroundXX/XX/XXXX. ( They were already the current servicer of my previous loan ) I have been providing them partial payments of {$500.00} for over 9 months every 2 weeks from XX/XX/XXXX to XX/XX/XXXX ( partial payments was a normal practice I adhered to on my previous loan ) My current mortgage due monthly is {$880.00} Ditech has been funneling bi-weekly payments into an account called unapplied funds account. ( Their policy is that partial payments are sent to this account until the full payment is received and then is to be applied ) They have not been adhering to their own policy and have accrued funds in their unapplied funds never applying to payments causing late fees. From XX/XX/XXXX XX/XX/XXXX, I called and spoke to representatives, supervisors, and directors and was told that the continued error that was made would be fixed. In XX/XX/XXXX, my accountant and I noted discrepancies on an issued XXXX from Ditech and it prompted an inquiry and a further review revealed additional errors being applied to my account. In XX/XX/XXXX, a director XXXX XXXX and a loan specialist explained to me that Ditech has no way to recognize partial payment or overpayments and it was contributed to an upgrade in their system. A reallocation of funds was conducted to apply payments correctly from the last 9 months. After the reallocation was completed, I was informed that my loan was paid up 1 month in advance. After the reallocation was applied, I noticed my principal balance increasing. The reallocation applied caused my account to go in default, caused additional late fees to accrue and again I was never made aware of. I was sent four collection letters and a representative came to my home. In XX/XX/XXXX, I received a notice stating my escrow was short and my monthly payments would increase. ( see attachment ) Ditech alleged my property taxes had increased. However, the city treasurer refuted that claim when provided in writing that my taxes had remained the same. Ditechs AVP alleged Ditech received my storm water bill from the city and would take over paying that. I have been paying my storm water bill on my own through web bill pay and was current on my bill. Another escrow analysis was completed on XX/XX/XXXX and I was sent a notice stating I was in surplus of {$380.00} and my monthly payments would be decreasing ( see attachment ) Another analysis was completed on XX/XX/XXXX and I was sent a notice stating Im in a shortage for {$240.00} and my monthly payments would be increasing ( see attachment ) They have contacted my property insurance company and requested the name of the mortgagee be changes to several names, one of which is listed as associated affiliates. They have ignored all requests for all the name of associated affiliates In recent reviews, it has revealed that Ditech has now been applying payments that is supposed to be applied per their mortgage contract incorrectly. The contract states that monthly payments of {$880.00} is to be received monthly with {$750.00} to apply to principal and interest with the remaining to Escrow. Ditech has not adhered to the payment allotment they set forth and have applied the remaining to principal in hopes to cause or support their alleged shortage in Escrow. Recently I sent a payment for my XX/XX/XXXX payment in the amount of {$880.00} and the bank confirms that the check was received and cashed on XX/XX/XXXX and on XX/XX/XXXX Ditech alleges the payment has not been received on XX/XX/XXXX I logged onto Ditech Intranet and no notation of payment received. The following is the payment sent and how it should have been applied to one 's account date of payment payment amount prin/ interest next payment due escrow principle XX/XX/XXXX {$880.00} XXXX XX/XX/XXXX {$120.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$120.00} {$110.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$120.00} {$110.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$120.00} {$110.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$120.00} {$110.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$120.00} {$110.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$120.00} {$110.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$120.00} {$110.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$880.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$880.00} XXXX XX/XX/XXXX XXXX However, the following is how Ditech has applied payments Date Description Principal Interest Escrow Other Total Payment Principal Balance XX/XX/XXXX Payments {$350.00} {$520.00} {$0.00} {$0.00} {$880.00} {$140000.00} Details XX/XX/XXXX Payments {$330.00} {$520.00} {$130.00} {$0.00} {$1000.00} {$140000.00} Details XX/XX/XXXXPayments {$340.00} {$530.00} {$120.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Reallocation ( {$3700.00} ) ( {$4800.00} ) ( {$1100.00} ) {$0.00} {$0.00} {$140000.00} Details XX/XX/XXXX Payments {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$340.00} {$530.00} {$120.00} {$0.00} {$0.00} {$140000.00} Details XX/XX/XXXX Payments {$220.00} {$530.00} {$120.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$340.00} {$530.00} {$120.00} {$0.00} {$0.00} {$140000.00} Details XX/XX/XXXX Payments {$220.00} {$530.00} {$120.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$330.00} {$530.00} {$120.00} {$0.00} {$0.00} {$140000.00} Details XX/XX/XXXX Payments {$340.00} {$530.00} {$120.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$330.00} {$530.00} {$120.00} {$0.00} {$0.00} {$140000.00} Details XX/XX/XXXX Payments {$450.00} {$530.00} {$120.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXXPayments {$330.00} {$530.00} {$120.00} {$0.00} {$0.00} {$140000.00} Details XX/XX/XXXX Payments {$220.00} {$530.00} {$120.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$330.00} {$530.00} {$120.00} {$0.00} {$0.00} {$140000.00} Details XX/XX/XXXX Payments {$330.00} {$530.00} {$120.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$670.00} {$1000.00} {$250.00} {$0.00} {$500.00} {$140000.00} Details XX/XX/XXXX Payments {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} {$150000.00} Details XX/XX/XXXX Payments {$630.00} {$1000.00} {$250.00} {$0.00} {$500.00} {$150000.00} Details XX/XX/XXXX Payments {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} {$150000.00} Details XX/XX/XXXX Payments {$330.00} {$540.00} {$120.00} {$0.00} {$0.00} {$150000.00} Details XX/XX/XXXX Payments {$330.00} {$540.00} {$120.00} {$0.00} {$0.00} {$150000.00} Please note the following attempts were made yesterday on XX/XX/XXXX to the following : 5th designated case worker at XXXX XXXX named XXXX LVM no response XXXX XXXX XXXX XXXX LVM no response XXXX XXXX at XXXX LVM since XXXX XXXX no response XXXX XXXX at XXXX LVM no response, multiple emails sent no response XXXX XXXX XXXX XXXX LVM no response Spoke with XXXX XXXX ( she was conveniently unavailable ) assistant XXXX XXXX he would have someone call no response yet
11/29/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93710	Web
Hi Consumer Financial Protection Bureau I have very bad problem.Please make this a rush I have a sale scheduled for my property on XX/XX/XXXX and Im under a loan modification review. Iam XXXX XXXX. I have some very bad issues going on right now with my servicer DITECH FINANCIAL, LLC and about my previous banks. I 'm having a very hard time dealing and working with my servicer DITECH FINANCIAL, LLC. I have mailed and faxed over all documents for a loan modification but they are still proceeding with the foreclosure sale scheduled for XX/XX/XXXX. If they proceed with the sale they will be in violation of the CALIFORNIA HOMEOWNERS BILL OF RIGHTS and other laws as well. As part of this bailout, on XX/XX/XXXX, the United States Government took over Fannie Mae and pumped billions, which in XX/XX/XXXX, then Treasury Secretary XXXX XXXX said as much as {$200.00} billion would be pumped into Fannie Mae and Freddie Mac, each, which was separate from the {$700.00} in TARP funds given out to other lenders. 1. The guidelines issued by the United States Treasury set forth a detailed process whereby a participating servicer, either action or not acting through its subsidiary, must : a. identify loans that are subject to modification under the HAMP program, both through its own review and in response to requests for modification from individual homeowners ; b. collect financial and other personal information from the homeowners to evaluate whether the homeowner is eligible for a loan modification under HAMP ; c. institute a modified loan with a reduced payment amount as per a mandated formula, that is effective for a three-month trial period for borrowers that are eligible for a modification ; and d. provide a permanently modified loan to those homeowners who comply with the requirements during the trial period. Whether the homeowner qualifies for a modification or not, participating servicers are also required to provide written notices to every mortgage borrower that has been evaluated for a loan modification, whether or not the borrower has been found eligible. HAMP and its associated directives also set prohibitions against certain conduct including demanding upfront payments in order to be evaluated for a loan modification, instituting or continuing foreclosures while a borrower is being evaluated for a loan modification, assigning a single point of contact, maintaining an adequate level communication with borrowers, maintaining proper caseload to ensure HAMP objections are met, and restrictions on the way a servicer may report the borrower to credit reporting agencies. All servicers have systematically failed to comply with the terms of the HAMP directives and has regularly and repeatedly violated several of its prohibitions. Now that HAMP is over and expired due to servicers prolonging these modifications they are now proceeding with other alternatives. Under HAMP, the federal government incentivizes participating servicers to make adjustments to existing mortgage obligations in order to make the monthly payments more affordable. Servicers receive at least {$1000.00} for each HAMP modification. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Ditech Financial, LLC to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Ditech Financial, LLC and all other previous servicers and their Investors conduct was unlawful in that : They illegally began and prosecuted the non-judicial foreclosure based on the lien to the 1st Deed of Trust, despite i was not in breach of payments on said lien ; They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the public because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by placing sale on my home. They failed to properly consider loan modification applications before trying to sell my home. 1. On information and belief, Ditech Financial, LLC does not own a significant majority of the loans on which it functions as servicer. 2. Economic Factors that discourage Ditech Financial, LLC from meeting its obligations under HAMP by facilitating loan modifications include the following : a. Ditech Financial, LLC may be required to repurchase loans from the investor in order to permanently modify the loan. This presents a substantial cost and loss of revenue that can be avoided by keeping the loan in a state of temporary modification or lingering default. b. The monthly service fee that Ditech Financial, LLC, as the servicer, collects as to each loan it services in a pool of loans, is calculated as a fixed percentage of the unpaid principal balance of the loans in the pool. Consequently, the modifying of a loan to reduce the principal balance results in a lower monthly fee to the servicer. c. Fees that Ditech Financial, LLC charges borrowers that are in default constitute a significant source of revenue to it. Aside from income Ditech Financial, LLC directly receives, late fees and process management fees are often added to the principal loan amount thereby increasing the unpaid balance in a pool of loans and increasing the amount of the servicers monthly service fee. d. Entering into a permanent modification will often delay a servicers ability to recover advances it is required to make to investors of the unpaid principal and interest payment of a non-performing loan. The servicers right to recover expenses from an investor in a loan modification, rather than a foreclosure, is often less clear and less generous. e. Fixed overhead costs involved in successfully performing loan modifications involve up-front costs to the servicer for additional staffing, physical infrastructure, and expenses such as property valuation, credit reports and financing costs. XXXX. Rather than allocating adequate resources and working diligently to reduce the number of loans in danger of default by establishing permanent modifications, Ditech Financial, LLC has serially strung out, delayed, and otherwise hindered the modification processes that it contractually undertook to facilitate when it accepted billions of dollars from the United States. Ditech Financial, LLC delay and obstruction tactics have taken various forms with the common result that my loan serviced by Ditech Financial, LLC, in which im eligible for permanent loan modifications, and have met the requirements for participation in HAMP, have not received permanent loan modifications to which iam entitled.
05/02/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30655	Web	Older American
Good Day, My name is XXXX XXXX , and I am writing on behalf of mother, XXXX XXXX XXXX , who has mortgage account Ditech Financial . On XXXX XXXX XXXX , I was trying aid my mother on doing another loan modification for the mortgage. XXXX XXXX received the forms, and the forms are required back to Ditech by XXXX XXXX XXXX . On XXXX XXXX XXXX , the required forms were sent via fax to XXXX as required by the XXXX XXXX XXXX deadline. In addition, to the forms it was letter from, XXXX XXXX , advising Ditech that she has not lived or provided resources to XXXX XXXX since XX/XX/XXXX . XXXX XXXX received a fax confirmation of the fax going thru. However, XXXX XXXX received a letter from Ditech stating some documents were missing. The missing documents were 1 ) Bank statements, 2 ) Bank/Liquid Assets Verification of Assets, 3 ) Pay Subs, 4 ) Public Assistance, and 5 ) Form XXXX . Thus, on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX had called Ditech , and they spoke with a representative about the missing documents. XXXX XXXX and XXXX XXXX advised the representative that XXXX XXXX does not have a statement because she only has a debit card with the bank for the deposit of her XXXX . The representative was advised bank transaction history is all the bank provided XXXX XXXX . The bank/liquid assets verification of assets was not provided due XXXX XXXX does not have a checking account. Of course, the pay stubs were provided due to XXXX XXXX has not worked to XXXX . The public assistance documents were sent to Ditech. The form XXXX was not provided because XXXX XXXX has not filed a tax return since XXXX , and with the XXXX the request for the XXXX most current tax returns from XXXX , XXXX , and XXXX . In addition, the representative was advised, XXXX XXXX would not provide because it would not be fair to XXXX XXXX case of the loan modification. In addition, supervisor name XXXX advised we could have done a quit deed claim to remove XXXX XXXX name from the loan modification documents. XXXX XXXX advise XXXX that we were not aware of this option. The representative stated okay, and to fax over the bank transaction history because a few pages were unclear, and to send the XXXX XXXX . The fax of XXXX documents was sent on XXXX XXXX XXXX to avoid the deadline date of XXXX XXXX XXXX . XXXX XXXX XXXX waited patiently for a reply from Ditech in regards to loan modification, and XXXX XXXX did not hear anything from Ditech expect a letter date XXXX XXXX XXXX stating that XXXX XXXX at XXXX extension XXXX is assigned to XXXX XXXX account. On XXXX XXXX XXXX , an email was sent for a status up of the loan modification, and a voicemail was left for XXXX on XXXX XXXX XXXX as well. Thus, XXXX XXXX XXXX , XXXX XXXX and XXXX XXXX had called Ditech to get an update on the loan modification, and of course, we were sent XXXX voicemail. XXXX XXXX filed a complaint with XXXX XXXX , and he spoke with XXXX @ XXXX extension XXXX . XXXX XXXX conducted her research, and advised XXXX XXXX that she is siding with h Ditech on the forms not be completed. However, prior to XXXX XXXX decision about the loan modification. XXXX XXXX , received three let ters from Ditech. The first letter dated XXXX XXXX XXXX stated XXXX XXXX at XXXX extension XXXX i s assigned to the account. The second letter dated XXXX XXXX XXXX stated XXXX XXXX at XXXX extension XXXX is assigned to the account. The third letter dated XXXX XXXX XXXX stated the proper forms were not received, and XXXX XXXX loan modification request is closed. Thus, XXXX XXXX would be required to re-apply again. XXXX XXXX agreed, and sated that we speak with Ditech . Therefore, if the loan modification was closed out in XXXX XXXX , so why letters dated XXXX XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX s tating that XXXX XXXX account has been assigned. XXXX XXXX was unaware of the loan modification being closed until she received the letter from Ditech dated XXXX XXXX XXXX . XXXX XXXX called Ditech on XXXX XXXX XXXX to discuss why the loan modification request was closed out without our knowledge. XXXX XXXX was speaking a representative name XXXX , and he questioned the representative on why the documents were not received & we have the fax confirmation page. XXXX XXXX kept saying Ditech did not receive the forms. Thus, at that moment , XXXX XXXX had requested for a supervisor. A supervisor by name of XXXX took the call, and XXXX XXXX questioned her as well on why the documents were not received & why XXXX XXXX was not contacted that the loan medication had closed out. XXXX replied that Ditech did try to contact XXXX XXXX back in XXXX XXXX & XXXX XXXX by dialing phone number XXXX . XXXX XXXX advised that is XXXX XXXX old phone number, and her new of XXXX was changed back in XXXX XXXX . XXXX XXXX stated Ditech did not know of the new phone number until they tried to call her on XXXX XXXX XXXX , and she stated that someone spoke to my mother to advise me to call them back. XXXX XXXX advised XXXX XXXX XXXX did adv ise of the new phone number by checking the box on the payment stub of new information for the account. XXXX stated she does not see that we did for the account, and I know we did that for the account because this payment is only payment that XXXX XXXX sends in for payment. In addition, XXXX XXXX new phone number was even on the loan modification documents. Furthermore, XXXX XXXX has even called Ditech prior to XXXX XXXX with her new phone number. In addition, upon reviewing the phone records for XXXX XXXX for XXXX & XXXX there are no calls from Ditech as advised by XXXX . Then XXXX going stated that a confirmation fax is not guarantee the fax has went thru, and advised yes it is because if so then the fax would have been rejected. Thus, XXXX stated well maybe the fax did not come thru clear or not received on their end. Advised XXXX well that is not XXXX XXXX fault because the fax was sent. XXXX XXXX does not believe this fair that Ditech is not going to honor the fax confirmation when faxing is option to send the loan modification documents. Therefore, if Ditech i s not going to honor faxes, then that should not be an option to send the documents. Even more, XXXX stated that the bank statement was not sent in, and Ditech needs that instead the transaction history. XXXX XXXX advised XXXX that document was provided by her bank, and XXXX XXXX does not have a checking account because she only has a debit card for her XXXX deposits. XXXX XXXX stated well that looks like the document was printed off line, and if an individual prints something offline from the bank, the bank website is going block part of the card number. Thus, if XXXX would have reviewed the document, she would have saw XXXX XXXX whole card number was showing.
09/20/2019	Yes	Mortgage VA mortgage	Trouble during payment process	MS 38654	Web	Servicemember
Mortgage Dispute Notes Account XXXXXX ( Ditech calls and actions ) : 1. XX/XX/XXXX - Made first call to XXXX to inform them of XXXX, XXXX payment posting to my bank account on XX/XX/XXXX. Was instructed to fax proof of payment to XXXX, which I did. 2. XX/XX/XXXX Made second call to XXXX, as no information about XXXX payment is showing up, when I log in to Ditech.com. Was instructed to re-fax proof of payment to XXXX, which I did. 3. XX/XX/XXXX Made third call to XXXX, Spoke to ext. XXXX. Was instructed to email proof of payment to customer.service@ditech.com, which I did. 4. XX/XX/XXXX Made fourth call to XXXX. Spoke with XXXX at ext. XXXX. Was instructed to email proof of payment ( bank statement ) to his lead at XXXX, which I did. 5. XX/XX/XXXX Received mail correspondence from Ditech regarding my mortgage account being 41 days past due. Attempted to call account liaison, but the office was already closed. 6. XX/XX/XXXX Fifth call to XXXX. Spoke with ext. XXXX and was informed that the information had been sent by XXXX XXXX to the research dept., but they had not found the payment. Suggested that I might call my bank to have them track the payment. 7. XX/XX/XXXX Spoke to XXXX at XXXX XXXX XXXX. He gave me the electronic tracer numbers for my XX/XX/XXXX Payment and my XX/XX/XXXX payment. 8. XX/XX/XXXX Spoke with Ms. XXXX, at ext. XXXX and gave her both electronic tracer numbers. She placed them into the account and requested that I call back on Thursday of next week ( XX/XX/XXXX ). 9. XX/XX/XXXX XXXX Called XXXX ( XXXX XXXX ), account liaison, ext. XXXX ( she gave a different ext. number, that I didnt catch. She is currently trying to get in touch with XXXX at XXXX. XXXX payment has posted to the mortgage account. XXXX XXXX was unable to reach XXXX or XXXX. She is going to see if her supervisor would accept my email and get it imaged to the account. XXXX bank statement emailed to XXXX. 10. XX/XX/XXXX XXXX XXXX payment has still not posted to mortgage account, calling XXXX XXXX, at ext. XXXX ( she gave ext. number as XXXX ). XXXX informed me that I had a balance of XXXX due and asked if I was able to make the payment. I replied that I have already made the payment and that this is my 7th call regarding my XX/XX/XXXX payment, which has not posted to my mortgage account, but has definitely come out of my bank account. XXXX stated that the emailed bank statement was forwarded to research dept. and imaged onto the account. XXXX I was hung up on after being on hold for 10 minutes. Called back at XXXX, speaking to? at ext. XXXX. I was told AGAIN that I would need to call my bank and have them find the money. 11. XXXX Called XXXX XXXX, speaking to XXXX. There is nothing she can do, beyond giving the electronic tracer number, because the transaction was electronic. It appears the payment is lost in space 12. Husband called on XX/XX/XXXX. The person he spoke to assured him that they were working on finding the payment. Stated that they were extremely short staffed, at this time. 13. XX/XX/XXXX Received alert from XXXX XXXX. Lost delinquent payment has been reported to the credit bureau. XXXX Calling Ditech back. Spoke with XXXX, and expressed my anger over the length of time it has taken to get this issue resolved. She stated that the issue is still in research. I asked to speak to someone in that department. Held until XXXX, when I spoke to a manager ( XXXX ). XXXX gave an estimated time of resolution by COB today, and stated that he would call me back. Today. XXXX did call back at XXXX XXXX, but only to let me know that the issue has still not been resolved, and they are fervently working to get it resolved. 14. Lost payment issue was finally resolved, when 2 payments were applied in XXXX, and the delinquent payment was removed from credit reports. However, because our XX/XX/XXXX payment was paid in XX/XX/XXXX, our mortgage interest paid for XXXX was significantly lower than it should have been. Tried to get it fixed, but could not. Mortgage Dispute Notes Account XXXX ( New issue discovered on XX/XX/XXXX ) : 1. XX/XX/XXXX XXXX XXXX : Received an email from XXXX XXXX, stating that Ditech has returned our XXXX payment, due to an invalid account number. Our account number has been entered into our electronic billing system for the last 4 years, and has never been changed. 2. XXXX XXXX : I called customer service at XXXX and spoke to XXXX. She stated that the payment was never received. I corrected her and told her it must have been received because the funds had clearly been taken out of my bank account, and I am now just waiting for them to be returned so that I can make the payment again. I informed her that I would not be paying a late fee because of their mistake. She informed me that she would send a dispute letter, in order for us to dispute any late fee added. She, then, proceeded to try to sell me new homeowners insurance. I told her I was not interested in anything else from Ditech, and that I was done talking. 3. XX/XX/XXXX Did not receive a dispute letter, but did receive a packet from Ditech to inform us that we are in danger of losing our home, due to our account being 2 months overdue. ( Our XXXX payment was made on XX/XX/XXXX and XXXX was made on XX/XX/XXXX ). I attempted to call customer service at XXXX XXXX, however, no representative was available, though the hours posted are XXXX XXXX to XXXX XXXX. 4. XX/XX/XXXX XXXX Called XXXX. Spoke with XXXX at ext. XXXX. She informed me that I had a balance of {$1100.00} due, and asked if I could pay it today. I informed her that they had already received both payments, and I told her the dates on which the funds were taken from my bank account. She told me to fax my bank statement to XXXX, along with the front and back of each cancelled check. I told her that the statement wouldnt be a problem, but that this is an electronic ACH, and there is no piece of paper showing that it was deposited by Ditech. All I might be able to get for her was an electronic tracer number. XXXX went ahead and filed a complaint for me, before hanging up. I emailed the bank statement to customer.service@ditech.com instead of faxing it. It stated : Hello, Please see my attached bank statement, which should provide sufficient proof of payment. However, I've been through this before with this company, and I have zero hope of it being resolved quickly. Please know that I am extremely tired of making phone calls, as is my husband. Before you ask, NO, my bank does not send a check. It is an electronic ACH. The only thing they can give me is a tracing number. The account number has never changed. If this becomes a drawn out issue, like it was the last time, I will get a lawyer. That is not a threat I have ever made to anyone. I'm not taking this lightly. One mistake on your part is one thing, but this is completely unacceptable. Sincerely. 5. XX/XX/XXXX Received email stating that my XXXX statement was ready. Checked it on Ditech.com. It states that we now owe {$1600.00}, and must pay this amount to bring our mortgage current. Luckily, they have provided a name and number for our account representative XXXX XXXX at ext. XXXX. Im calling her now. 6. XXXX Spoke with XXXX, not XXXX. He was able to pull up the email I sent, along with all of the bank statement pages. He said it was good that they had all of the information, but it would still take at least 30 days for the money to be found. He encouraged me to call back on XX/XX/XXXX.
09/25/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30296	Web	Servicemember
I purchased my home on theXX/XX/XXXX, with a mortgage payment of {$1100.00} at the time. I was employed as a XXXX XXXX earning {$9.00} and working two jobs to make ends meet. By XX/XX/XXXX, I joined the XXXX XXXX XXXX to serve the country that I deeply love, as a XXXX with an XXXX pay grade my income was now enough for me to sustain my family and pay my mortgage and bills. My mortgage had been current until XX/XX/XXXX when I was getting ready for a XXXX XXXX, as fate will have it during a XXXX XXXX XXXX in XXXX XXXX XXXX California, I was involved in a XXXX accident and was pulled off the trip. I became hospitalized and missed 3 mortgage payments ; I notified the bank of my injury which was at the time known as XXXX XXXX XXXX. When I bought my home in XX/XX/XXXX, the mortgage company do send me a bill prior to the due date which I mailed back with a check or money order, but stopped sending the bill at the end of XX/XX/XXXX.After 10 months or thereabout, I started to receive the bill again from the bank. I contacted the bank for the loan terms modification as lots of payment were missed, but did not receive a response from the bank from there again. My modification application was abandoned by the bank and at the same time, I was never communicated by them or any appointed agency regarding the status of my application. Since the time of my modification application that was abandoned by the bank I never heard from the lender again, there were no bills sent nor communication from anyone or any agency. Also, from XX/XX/XXXXto XX/XX/XXXX, I had never been officially contacted or notified of a change in the mortgage companies. Since XX/XX/XXXX till sometimes around XX/XX/XXXX, I was not officially contacted by any bank or received any notice or information about a change in the mortgage companies.XX/XX/XXXX, I received a statement from a bank called Ditech Financial LLC with an invoice for payment. I was not sure if they were legitimate or pranks because all I received was a statement of Bill that was not understandable. The last time I heard from any mortgage company regarding my property was XX/XX/XXXX and suddenly receiving a statement from a different bank that I do not know about was very disturbing. SinceXX/XX/XXXX, there has been no contact from the said Ditech financial except for the statements I receive occasionally. Early this year, I then applied for a modification on my loan, it was not conclusive as they claimed because there were missing required documents. I faxed the missing document to the agent assigned to my case, but she claims she never received it. The modification request was not complete to either be approved or disapproved when I suddenly received a Bill from Ditech Financial in the month ofXX/XX/XXXXasking me to pay a trial payment of about {$940.00} for the next three months without verifying my income or completing my file. I felt like I was slammed with a payment they felt like asking me to pay. I was very surprised that the modification paper I submitted to them was not conclusive as they claimed but they prefer to send me a bill anyway. I contacted them to start a new modification since my income had changed after I became XXXX. I had not completed the paperwork or sent in all the documents for the modification and was in the process of sending them my updated information again when I suddenly received a bill to pay the said trial of {$940.00}. By the XX/XX/XXXX, I received a letter from an attorney requesting that I pay a sum of {$230000.00}, I was confused because the property itself is only appraised for {$70000.00}. I called the attorney, and I was told to come up with the amount owed. I started to reach out to counsels for legal advice on what to do as this is extortion and abuse but cant get the right help I need. The lender is not willing to work on my modification or offer me enough time to work on a plan for my home. I have my XXXX income, and I should not be forced out of my home that I have known and love for an offence I didnt commit. This is a home my family and I have lived in for 15 years filled with memories and love ; I do not want to lose my home because of a lenders negligence. There has not been any payment made since XX/XX/XXXX for the past 8 years ; I do not know which bank to call or pay to since then and was not contacted by anyone or any agency informing me of any change in mortgage situation until now. Recently, I started to receive random letters in the mail from different attorneys and people informing me about a foreclosure. I was shocked, the attorney for Ditech nor the lender themselves never informed me of a sale date or any upcoming foreclosure date. I was made aware by public information from notices I receive from unknown sources in my mail. Since the end of XX/XX/XXXX till today, I have had unknown individuals come to my home to evict me saying they are from the bank, I receive letters asking me to move out of my house within 72 hours and hand over the keys to them, I am threatened as I receive letters demanding possession of my property claiming they are from the bank. While I was away on medical treatment, on the XX/XX/XXXXmy home was completely burglarized and vandalized, my vehicle was stolen from the garage and all my valuables gone. The police were called by my neighbor to the scene to secure my home. For several weeks now, I am afraid as people told me it might be the bank who had come to collect my valuables until a police report revealed that it was a robbery. At the moment, I live in fear of intruders and people coming to invade my privacy and at the risk of losing everything Id worked for 15 years. I live in fear of homelessness as I cant leave my home for a second as I am afraid a repossession company will move me on the street according to the threats I receive. Our lives are not safe as this bank has exposed us to unnecessary public view without proper notice. I live in my home as an XXXX XXXX veteran of the XXXX XXXX XXXX ; I concurrently receive treatment from the VA on a regular basis, and not employed and cant work. My kids attend the local school in the area. My sister provides care for me as well. I do not deserve to be punished this way. A wrongful foreclosure on our home will become a hardship for us and cause irreparable injury to my family. Sadly, this rapid and aggressive foreclosure on my property constitutes a negligence from the bank including that the terms and circumstances of the mortgage are so unfair. The trustee did not follow state procedure such as notifying me of any sale date ; the lender did not give me the time to work on a payment plan. The lender is rushing to take my home and make me homeless. I do not have the funds to hire an attorney, but I am writing your office for leniency and to be aware of my case. I have sent a QWR Qualified written request to the lender requesting for all correspondences and closing papers on my property. I am a compensable XXXX veteran who is willing and able to pay my mortgage and bills. But the bank will not give me a chance to re-structure my loan or allow me pay instead they want to rush to foreclose on my home. There is an 8 year gap since last payment due to their negligence. I served my country wholeheartedly and left the military with an XXXX XXXX ; I am a XXXX veteran, a single parent and the head of my household. My family depends on me for survival as our life will become jeopardized.
03/29/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90221	Web
We had a loan with Ditech ( Loan Number XXXX ). Our previous servicer was XXXX XXXX XXXX. We endured a hardship beginning in XX/XX/XXXX and started the loan modification process with XXXX XXXX XXXX. We completed all of our paperwork and submitted it to XXXX XXXX XXXX. During the review process, we received a letter from XXXX XXXX XXXX stating our new servicer would be Ditech Financial, LLC effective XX/XX/XXXX. I spoke to XXXX XXXX XXXX regarding the modification status and was told that our modification was going to be handed by Ditech. I followed up with Ditech between XX/XX/XXXX through XX/XX/XXXX regarding the loan modification. During this time, I kept being told our application/documents were either old or incomplete. I submitted paperwork 3-4 times to Ditech. On XX/XX/XXXX I received a letter stating the modification could not be processed because of incomplete paperwork. I called Ditech to find out what paperwork was incomplete. I was told the REAL reason why the modification is not going though is because we already had more than 1 modification and have reached our limit. This was news to us! If this were true, why were we offered the modification by XXXX XXXX XXXX in XX/XX/XXXX and continued to go through the modification process through XX/XX/XXXX? In XXXX the following payments were made in an effort to catch up as best as we could : XX/XX/XXXX - {$1900.00} XX/XX/XXXX - {$1900.00} XX/XX/XXXX - {$1900.00} XX/XX/XXXX - XXXX XX/XX/XXXX - {$3800.00} ( via money order ) + an additional {$3800.00} ( via money orders ) In XX/XX/XXXX a check in the amount of {$1900.00} was made to Ditech but {$1900.00} was cashed according to the bank. In XX/XX/XXXX we were offered a Supplement Repayment Plan Agreement wherein we were to pay {$2800.00} a month beginning XX/XX/XXXX and continue through XX/XX/XXXX. Once completed, we would be current. Even thought there was an additional $ 900+ above the {$1900.00} we were already paying, we agreed to the repayment plan in an effort to make things current and avoid foreclosure. We received the Supplements Repayment Plan which explained all of the terms, the amounts to be paid with due dates, etc. Ditechs agreement specifically stated that if we make the supplement repayment payments on or before the due date Ditech will not initiate foreclose proceedings or, if foreclosure has already been initiated, we will not proceed to foreclosure sale. We made our first payment in XX/XX/XXXX for {$2800.00} and our second payment in XX/XX/XXXX for {$2800.00}. When we made our payment in XX/XX/XXXX my bank confirmed the check was not cashed. On XXXX XXXX my check sent in XXXX was returned to me. On XX/XX/XXXX I called Ditech at XXXX and spoke to XXXX at XXXX XXXX regarding my returned check sent in XXXX. She explained our check was returned because we are going through foreclosure. I explained we are under a Repayment Plan Agreement offered by Ditech. When I asked to speak to a Supervisor, I was placed on hold. XXXX came back to the phone and only told me that her Supervisor said the foreclosure status was removed and that I can send in my check in XXXX. I mailed my check for XXXX to Ditech on XX/XX/XXXX. Again, my check was never applied to the account and was returned to me on XX/XX/XXXX. Although I received letters from Ditech stating their moving forward with the foreclosure was in error and to resend the check, they continued the foreclosure process. When we received our XXXX and XX/XX/XXXX statements, they showed an outstanding balance of {$19000.00}, Corporate Advances of {$81000.00}, etc. Ditech breached its Supplement Repayment Plan Agreement by not accepting our agreed upon payment of {$2800.00} in exchange for not initiating foreclosure proceedings. As we were adhering to the Supplement Repayment Plan Agreement, Ditech initiated foreclosure proceedings which is dual tracking and in violation of the California Homeowner Bill of Rights. A certified Qualified Written Request dated XX/XX/XXXX was sent to Ditech referencing their breach of the Supplement Repayment Plan Agreement, dual tracking, discrepancy in payments made versus monies owed, a request for the breakdown of monies as noted in our XXXX and XX/XX/XXXX statements, a request for forbearance, and a request to come up with an amicably feasible amount between both parties in light of Ditechs unfair and unlawful handling. Ditech was advised that under Section 6 of RESPA they were required to acknowledge my request within 20 business days and resolve the issue within 60 business days. The certified letter was signed by a XXXX representative on XX/XX/XXXX. Ditech NEVER responded to our QWR letter dated XX/XX/XXXX. Instead, we received a NOTICE OF SERVICING TRANSFER dated XX/XX/XXXX advising that XXXX XXXX XXXX XXXX XXXX was going to be our new servicer effective XX/XX/XXXX. Not only did Ditech breach the Supplement Repayment Plan Agreement and underwent dual tracking which is in violation of the California Homeowner Bill of Rights, Ditech also failed to meet the duties of responding to the Qualified Written Request as defined in the Real Estate Settlement Procedures Act by ( 1 ) not providing a written response acknowledging receipt of the correspondence within 5 days ; and ( 2 ) not providing a substantive response/making appropriate corrections in the account of the borrower to include any and all credits/conduct and investigation/provide the borrower with a written explanation or clarification which states the reasons the servicer believes the account is correct within 30 days. Our loan is currently with XXXX XXXX XXXX XXXX ( Loan Number XXXX ). We have requested answers as to the discrepancies regarding the misapplication of monies versus amounts owed as well as an explanation as to why our Supplement Repayment Plan Agreement was breached by Ditech. Even though XXXX XXXX XXXX XXXX has taken over the handling of our mortgage, they maintain the position that they had nothing to do with Ditechs handling of our loan yet they ( 1 ) denied our request for a new Supplement Repayment Plan, ( 2 ) denied our request for a loan modification based on the fact that we did not have enough income and we have too much equity in the property, and ( 3 ) are moving forward with the foreclosure initiated by Ditech while we were involved in a Supplement Repayment Plan Agreement. Due to the inconsistent amounts owed, monies paid and not applied to the account, outstanding interests, late fees, Corporate Advance charges, etc., we are unable to pay the {$80000.00} plus arrear amount. Therefore, XXXX XXXX XXXX has recorded a Notice of Default on XX/XX/XXXX. Although we became delinquent due to an unforeseen injuries and death, we attempted to make better the situation by aggreging to a Supplement Repayment Plan Agreement in order to avoid foreclosure and become current. Instead, Ditech unlawfully initiated foreclosure proceedings, made various violations pursuant to the California Homeowner Bill of Rights and RESPA, resulting in XXXX XXXX XXXX XXXX proceeding to foreclose on our home where we have lived in for 19 years and started a family consisting of XXXX daughters. Our goal is and has always been to keep our home and continue making payments. We are seeking your assistance in making right the wrongs and coming up with an amicable solution that will allow us to continue to make payments and keep our home.
12/20/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 320XX	Web
In XXXX I contracted with Ditech Financial LLC ( current name ) for a home loan. My history with them has been impeccable ; no late pays, no insurance or tax issues. In XXXX of XXXX I hired a lawyer to represent me against an eminent domain taking by XXXX XXXX XXXX XXXX ( XXXX ). On XXXX XXXX, XXXX there was a court hearing and my a portion of my land was taken by XXXX. At that hearing Ditech ( XXXX ) sent an attorney as well. I personally spoke with this XXXX attorney informing him that XXXX has no cause for concern. I am a customer with a perfect pay history and that I plan on paying off my mortgage in full in XXXX, no further legal action in this case need be done. I went to mediation with XXXX when the project was completed on XXXX XXXX, XXXX to settle with them. We reached a settlement which was more than enough to pay my mortgage in full. I instructed my attorney to contact XXXX and let them know I have instructed the clerk of courts ( who handled the settlement proceeds ) to send XXXX my payoff check directly to them, so no further legal action was required from their legal team. On XXXX/XXXX/XXXX XXXX deposited the final settlement amount into the XXXX County ( XXXX ) court account. My attorney contacted the attorney for XXXX, XXXX XXXX ( XXXX ) to complete a joint motion to withdraw funds from XXXX. He requested from XXXX a payoff amount so that I may agree to it before the filing. The payoff amount included {$2400.00} in legal fees. I wanted a breakdown of these exorbitant fess ; since they were assured that the mortgage would be paid first from the settlement funds. My Attorney sent numerous requests for this breakdown and they were basically ignored between XXXX and XXXX. He contacted me and stated these facts. I called XXXX myself on XXXX and for 5 days on and off the phone with managers demanding to know a breakdown of these fees, with their attorney ( XXXX ) refusing to communicate this information. They emailed me invoices in the amount of {$1800.00} and could not justify with any documents the remaining {$660.00} in fees. After reviewing the invoices from ( XXXX ) she made claims of contacting my attorney on dates which he had no record of. After hours of arguing with them on XXXX we finally agreed on a legal fee amount of {$520.00} ( the fees associated with the XXXX/XXXX/XXXX court hearing ) I stayed on the phone with them that evening until they emailed me a new payoff with this amount of legal fees. All this wrangling from XXXX thru XXXX caused me to accrue an additional interest charge of {$9.00} per day. I emailed the payoff to my attorney that evening and he prepared the Motion to Withdraw Funds on the next day ( Saturday ) and sent it to XXXX for approval on Monday XXXX. It took her all week to respond and my Motion to Withdraw was finally sent to the XXXX Clerk of Courts on XXXX/XXXX/XXXX. It had to then be signed off by the Judge and then dispersed. According to XXXX clerks office the check in the amount of {$36000.00} was mailed by registered return receipt on XXXX/XXXX/XXXX to XXXX the attorney for XXXX. XXXX insisted that the payoff be sent to her office and not directly to XXXX. I have a letter from the clerks office with a copy of the signed delivery record that XXXX office received my payoff check on XXXX/XXXX/XXXX. I was assured that my interest would stop on that receipt date. My mortgage payment due date was the XXXX of each month. I called XXXX on XXXX/XXXX/XXXX wanting to know where is my payoff??? Why has it not been applied??? I had a payment coming up on the XXXX and this check needs to be applied!! I was told that they have no record of receipt from XXXX 's office. I asked them to please call XXXX to find out where my payoff is ... .they sent it up for research. I received no callbacks from XXXX so on XXXX/XXXX/XXXX I called XXXX again. They stated again that XXXX is supposed to update my file upon receipt of any funds on my account and since there is no update then XXXX has not received my check. I became concerned and called the Clerk of Courts office to ask for proof on receipt. The check not only was received by XXXX, but the check was endorsed and deposited and has paid through the XXXX clerk account on XXXX/XXXX/XXXX!! I called XXXX back with this information and implored them to call their attorney to find out where is my payoff??? Their answer to me was " No one here can make that call ''. I said what does that mean? This is your attorney, hired by you, to handle you legal cases, of course you can call her! No, she said " No one here can make that call '' but I can give you XXXX XXXX number and you can call her! I said " you are kidding me!!! '' and said give me the number..she did and I called and spoke to XXXX XXXX assistant. He slammed me stating that I did n't have the right to call her and she will not speak with me. I told him that XXXX refused and I need to know why my payoff has not been completed!!! He put me on hold, came back and told me yes they received my check on XXXX/XXXX/XXXX (? ) and it is in process. He told me to call my attorney and hung up!!! At this point I am appalled!!! They had not processed my payoff or even notified XXXX that they had received it!!! My attorney told me that he would handle it ... .he made contact with XXXX and she told him the payment would be applied on the XXXX so that I did n't need to make that payment. Since the payoff they had was from XXXX and I had made the XXXX payment they would owe me a refund. I was assured that my interest would be calculated as of XXXX/XXXX/XXXX and a refund would be issued. So I waited ... ..I received my payoff check and I called XXXX XXXX/XXXX/XXXX asking for a breakdown of the interest. I was told that my payoff was received on XXXX/XXXX/XXXX and I was charged interest through the XXXX. I told her to read the notes and that I have proof that XXXX received my payoff on the XXXX. She said she would send it for review that I would be contact within 3 days. No one called or emailed me so I called XXXX once again on XXXX. She told me that a my case was in process and would be resolved shortly. On XXXX still no contact, called again they told me the same thing. On XXXX I received my first and only response from XXXX with an email stating that my " XXXX/XXXX/XXXX call has been resolved. Thank you for bringing this to our attention. We appreciate your business. '' I called XXXX XXXX, once again. I asked them to explain my resolution. Would they be refunding me the extra 15 days of interest at {$9.00} for a total of {$140.00}? She told me that I have received my refund and there are no monies owed to me. I asked to speak with a manager. I spoke to a XXXX. She affirmed the conclusion. She told me that my payoff was received on XXXX and they paid me the correct amount of refund and the case is closed!!! I told the story and she told me she could send me a link and I could upload the Postal Service letter of receipt by her attorney but it probably wo n't help!!! I told her to do that and that I will be filing a formal complaint. She sent me the link, I uploaded the letter of proof, it was confirmed by the link. I gave until today to see if someone at XXXX would stand up and do the right thing ... but no calls to me, no emails ... .this has been a shocking and upsetting process over a simple payoff!!!!! I have been cheated out of monies that I am still owed!
07/14/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NJ 076XX	Web	Older American
I had two mortgages in XXXX so I called XXXX to modify my primary residence. They informed I could not modify my loan because I was current in my payments. XXXX said I could apply after I was at least three months behind in my payments. I waited three months then called to apply for a modification. In the interim I received a bill for the full amount of the loan and a foreclosure notice. My modification was denied by XXXX. Both my loans were sold to XXXX XXXX XXXX ( I still owned the other house since it could not be sold ). On XX/XX/XXXX I retained XXXX XXXXXXXX XXXX to represent me in my modification efforts. I was again denied and during a conference call with a XXXX XXXX XXXX representative, XXXX XXXX and myself, a reason could not be given for the denial. XXXX XXXX stated she did not understand what was happening, then said she could do nothing further to assist me in my modification efforts. OnXX/XX/XXXXI contracted with XXXX XXXX XXXX They were hopeful a modification would be possible on my primary residence.Again after several attempts, my modifications were denied and XXXX XXXX fell by the wayside. On XX/XX/XXXX, I spoke to XXXX at XXXX XXXX XXXX. XXXX finally shed light on the problem. Apparently, my records indicated I defaulted on a previous modification offer. I informed XXXX I was never offered a modification and asked to see the paperwork/proof of delivery. XXXX could offer neither. My modification applications continued to be denied. In XXXX. I unfortunately became the victim of a mortgage fraud scheme by XXXX XXXX formally XXXX XXXX. They claimed to have contracted to negotiate modifications on a block of mortgages from XXXX XXXX XXXX. XXXX XXXX, on behalf of XXXX, claimed to be an agent or XXXX XXXX XXXX. He claimed I was approved for a modification and my trial payments were to be sent to XXXX. I was contacted by the State of New Jersey Consumer Agency advising me of the scam that had been perpetrated by XXXX. My heart sank. I had made four payments of {$2700.00} to XXXX XXXX at XXXX ( bank statements to follow ). On XX/XX/XXXX, I contacted XXXX XXXX at XXXX XXXX since I have an FHA loan. I lodged a complaint against XXXX XXXX XXXX and asked XXXX XXXX if his agency could make a decision regarding my modification application, since they were the investor. XXXX XXXX advised me the mortgage servicer make all the decisions. I continued applying for modifications, about one per year. Each application required submission of all documents usually anywhere from 50 to 75 pages. My modifications were denied because they claimed I did not send a XXXX bill even though, I had the manager of that department on the phone verifying the bill had been sent. I have and entire file cabinet drawer full of rejected modification applications. In XX/XX/XXXX, I was offered a modification per the lender, Greentree at 4.5 % under the " know your options '' program by XXXX XXXX I made the three payments of {$3500.00} as agreed. I was hopeful the regular payments would be lower since these payments were a challenge to make. My new mortgage amount was {$3200.00} per the permanent modification package. XXXX XXXX from Greentree said all the late fees were waived, and the mortgage would be decreased to 2 % if I made all the payments on time. I signed the permanent modification on XXXX XXXX, and sent in my payment of {$3200.00}. I received a call from XXXX, my representative at Greentree about six days after I submitted the payment. XXXX advised me I made an underpayment. I advised XXXX I paid the agreed amount stated on the permanent modification. XXXX advised me the correct amount was {$3500.00}. A letter dated XX/XX/XXXX advised me my payment was in a suspension account and would not be accepted by Greentree. I felt outraged by what I considered dishonest and unethical behavior on the part of Greentree. I felt they tricked me into signing the permanent modification only to reject my first payment. I hired XXXX XXXX XXXX to help me with Greentree. In the interim, my loan was sold to Ditech. I was offered a HAMP modification package in XXXX XXXX. The payments were $ XXXX/month. My first payment was made over the phone for XXXX XXXX without a hitch. In XXXX, I received a letter stating that effective XX/XX/XXXX DiTech would be closed for business for two weeks while the performed a system upgrade. I called, my second payment in on XX/XX/XXXXXX/XX/XXXX for payment on XXXX XXXX For whatever reason, DiTech removed my funds on XXXX XXXX. I was received an overdraft notice by XXXX a day later. I spent XXXX XXXX on the phone and sending emails to Ditech of the error. They did not take the funds out in XXXX despite the fact I emailed them my bank statement showing the funds were available on XXXX XXXX. I had not transferred the monies from my business account to XXXX until XXXX XXXX. The monies remained in my account the entire month despite my calls to Ditech requesting the monies be debited. On XXXX XXXX, I noticed XXXX XXXX payment was not debited despite a confirmation number and agreed debit date. I called Ditech. and XXXX and XXXX were debited at the same time. I did not hear anything about a permanent modification, and made XXXX and XXXX payments on the advice of XXXX XXXX at XXXX XXXX XXXX XXXX. In XXXX I advised her I would not make anymore payments to be placed in suspension accounts. DiTech did not indicate a permanent modification was imminent. I contacted XXXX XXXX again and placed a complaint with XXXX. I felt that Ditech 's behavior was unprofessional and probably in violation of the Dodd-Frank Bill. XXXX told me not to sign a permanent modification until she finished her investigation. In the interim, I made two more payments. They offered me a permanent modification but they changed the terms and interest rate of the temporary modification. I sent XXXX emails asking for advice, and she told me not to sign the permanent until she finished her investigation. I was told by Ditech that the offer would expire, so I advised XXXX from XXXX XXXX I could wait no longer for her to finish her investigation, and signed the permanent modification in XXXX. I did not make a payment right away like the last time, because I was waiting to see if they would increase the mortgage amount, which they did. On XX/XX/XXXX I received a letter increasing my payment to {$3100.00}. I do not understand why since, my taxes were reduced from over {$10000.00} to about {$8400.00} and my insurance policy went from almost $ 3,000/yr to {$650.00}. I called XXXX at XXXX XXXX XXXXXXXX XXXX. and she said it was a computer generated letter and I should ignore it. XXXX said that XXXX XXXX, myt Ditech account representative said my account was in good standing. Ditech said my XXXX payment was made, so I thought they used the funds they had in suspension. I made XXXX XXXX payment In XXXX. After my payment cleared the bank, I went online and pulled up my account. I noticed the bank had rejected my XXXX payment and placed it into a suspension account. I sent DiTech a certified letter requesting to DiTech an update, and they said they would investigate. That was at the end of XXXX, and I am still waiting
07/13/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	NJ XXXXX	Web
WE paid the Loan off according to banking standards and sent three money orders in the amounts of what we owed at the time. These are the amounts XXXX , XXXX , XXXX . Where did this money go? The bank reps told us they would not accept, cashiers checks, money orders or cash.So we were told to send them via a credit account all money orders to Dept of Treasury in California who deals with XXXX XXXX XXXX . We believe they lied and forced us into foreclosure. We also got a document from the bank in XXXX saying all mortgages were paid off from the county recorders office which i followed up with when I got it as I used to work there and was a notary for many banks as well.. All mortgages were off the books six moths later in XXXX they appear now under Green Tree .We feel that many people involved committed fraud. The banks and their affiliates including the recorders office of The county . Which I still have. Talked to a rep on the phone a few days ago and they admitted the debt was paid as agreed I have that phone conversation recorded as they recorded mine too.. Please help me clear this up, end this or at least meet at the table to come to a final conclusion. Also we tried several loan mods with XXXX and two short sales which both were rejected. Ditech will not allow us to pay our own property taxes or homeowners insurance as they do through escrow. I paid the taxes a few times throughout the years sneaking it it in.Have been paying my homeowners as well for more than two years.Still they are charging me for this too. I am also having different agencies look into this including my background which was with The state police for 25 years, MY friends are in The FBI, CIA, Pentagon and many other offices or branches of federal, state or local government including the Ag ' s office.The IRS as the fraud may cause many errors in what we do n't owe them.The bank may owe them even more as they are reporting something that was paid off as something as a discharge. The document I got is from XXXX XXXX The Vice president of XXXX at the time showed all mortgages were paid off at the time of XXXX also notarized by here back notary XXXX XXXX XXXX and sent to my county to record the mortgages as paid. To make matter worse we living a XXXX XXXX XXXX home all around us and we are trying to prevent others from getting sick I had a firm come out here remove some but there is so much around us .I could only afford so much to get removed. Please help in any way you can. This is now with Ditech a XXXX XXXX XXXX , as XXXX XXXX XXXX through them under the bus. XXXX denies all facts and has no standing or original documents supporting their inaction.They are implicit and so it Ditech. For Fraud and irrelevant debt. This was XXXX XXXX response to last complaint. XXXX XXXX XXXX is reviewing your inquiry. We require additional time to provide you a complete response. We will update the status of your inquiry on the portal with our response as quickly as possible. Our records reflect that the Home Equity Line of Credit ( HELOC ) ending in XXXX was charged off in XX/XX/XXXX . Subsequently, the loan was forgiven as part of the Mortgage Debt Forgiveness Program , reported to the credit bureaus as paid/charged off, and the lien was released. My research reveals that your loan ending in XXXX was paid through the XX/XX/XXXX installment and was not referred our foreclosure department prior to the service transfer. I have enclosed a loan history statement for your reference. On XX/XX/XXXX , w e transferred the servicing of the loan ending in XXXX to Green Tree Servicing LLC ( Green Tree ). We notified you of this change in the enclosed letter dated XX/XX/XXXX . The new servicer, Green Tree, now supports all the loan servicing for the loan account, including billing, payment processing and customer support. Please contact Green Tree at XXXX to discuss any loan servicing-related matters. Representatives are available Monday through Friday from XXXX XXXX to XXXX XXXX and Saturday from XXXX XXXX to XXXX XXXX XXXX . Our records shows that prior to the service transfer, your loan ending in XXXX was approved for a Trial Period Plan in the amount of {$1700.00}, effective XX/XX/XXXX . However, our records indicate that we did not receive the signed Intent to Accept Trial Offer form nor a trial payment in order to proceed with the home retention process. We mailed you additional notices informing you to contact XXXX XXXX XXXX to discuss alternative solutions to bring the account current. However, our records indicate that we did not receive a response with your financial information in order to review the loan for workout options. I have enclosed a copy of the above-mentioned notices for your reference. My research reveals that prior to the service transfer, we reviewed the loan ending in XXXX for short sale. However, the short sale reviews were declined as explained in the enclosed short sale declination letters. Our records do not reflect that XXXX XXXX XXXX received payments to satisfy your loan ending in XXXX in full nor any information to confirm your claim that XXXX XXXX XXXX informed you to send payments to the Department of Treasury in California. If you wish to pursue this matter further, please fax copies of money order receipts to XXXX and I will investigate the matter. Make sure your loan number is clearly displayed on all documents you send. Additionally, my research has uncovered no reasonable factual basis to substantiate your claims of fraud. Therefore, we are unable to address your claim in detail at this time. If you wish to pursue this matter further, please provide me with more specific factual detail in support of your claim and I will investigate the matter. XXXX XXXX XXXX respectfully declines your request for assistance as the loan ending in XXXX is not being serviced by XXXX XXXX XXXX . Please contact the current servicer of the loan to discuss possible workout options. Furthermore XXXX XXXX XXXX XXXX respectfully declines your request for compensation. We are unable to address your concerns related to Green Tree or any other servicers as the information included in your inquiry does not pertain to XXXX XXXX XXXX . Please understand that XXXX XXXX XXXX is unable to comment on any actions or communications by unaffiliated third parties. As a financial institution, XXXX XXXX XXXX has an obligation under the Fair Credit Reporting Act to report account payment history accurately, whether it is favorable or unfavorable. Therefore, we must respectfully decline your request to remove the negative reporting from your credit file. Account information can not be changed unless it can be demonstrated that the information is inaccurate due to an error in reporting. We are now including suspected mail fraud and banking fraud we have the FBI and Local Police checking into both.
04/17/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 33196	Web
XX/XX/XXXX RE : Borrower Complaint Ditech Financial LLC ( Ditech ) Foreclosure Case Dear Sir/Madam : This is a consumer complaint regarding a wrongful foreclosure action against Ditech Financial. We are requesting your intervention to review the merits of our claims and the actions taken against by Ditech and previous servicers in this matter. The most relevant facts of the case are as follows : 1. The subject property is our home which we purchased in XX/XX/XXXX and we want to keep. o Loan Owner : XXXX XXXX Loan o Original Servicer : XXXX XXXX XXXX o Beginning Principal Balance {$200000.00} o Term : 30 years @ a fixed rate of o P & I : $ XXXX/Month o Escrow Account Waived 2. We failed to renew our Home Hazard Insurance coverage and provide proof of coverage to the Servicer ( XXXX ) in XX/XX/XXXX when our insurance coverage lapsed. 3. XXXX erroneously determined the mortgage in default for non-payment by claiming the mortgage account was contractually due as XX/XX/XXXX ; however, XXXX continued to collect our mortgage payments through XX/XX/XXXX post foreclosure action. This was a mortgage default forced by the Servicer. The Lis Pendens was filed on XX/XX/XXXX. 4. XXXX forced the mortgage default by demanding upfront payment of the Lenders Force Placed Insurance premium of {$17000.00} ( XXXX XXXX XX/XX/XXXX to XX/XX/XXXX ) in addition to the monthly mortgage payment. These charges were assed retroactively and covered a period that we were insured. 5. XXXX forced mortgage default was exacerbated because the Servicer applied the force-placed insurance premium retroactively and did not provide notice of Lender Force Placed Insurance or cost until XX/XX/XXXX. This was six ( 6 ) months after the policy had taken effect and the charges had been added to the monthly mortgage amount due. A clear violation of 12 CFR 1024.37 ( c ). 6. XXXX breached the mortgage contract by not providing notice regarding the revocation of the Escrow Waiver prior to adjusting the mortgage payment amount and initiating foreclosure action. Please refer to Section 3 of the Mortgage Contract. 7. XXXX did not credit our mortgage account or cancelled the force-placed insurance coverage cost when we had insurance coverage. Certificate of Insurance and Coverage Notices were provided to XXXX. Periods in question are listed below : a. XX/XX/XXXX to XX/XX/XXXX b. XX/XX/XXXX to XX/XX/XXXX XXXX. Since XX/XX/XXXX, we have asked the Servicer ( s ) /Servicers Attorneys on numerous occasions for a settlement/mediation which have been ignored or denied and have led to the extended delinquency period and significant increase to the unpaid principal balance. 9. The Mortgage account has been handled by ( 3 ) different Servicers and ( 8 ) different attorneys. This has hindered the possibility of a settlement, extended the delinquency period and increased the unpaid principal balance unnecessarily. 10. XXXX Lender Force Placed Insurance practices have long been found to be unfair, deceptive, and may be illegal, which have harmed homeowners and led to many mortgage defaults as a result. Such insurance premiums were exorbitant, excessive and unjustified. It has been established thru the settlement of court cases in New York and Pennsylvania against XXXX XXXX XXXX that the Servicer accepted kickbacks in exchange for using XXXX XXXX for Force-Place Insurance for their residential mortgage borrowers. In exchange, XXXX was required to pay these kickbacks to a XXXX affiliate as commission and such costs were then passed on to borrowers thru excessive and exorbitant Force-Placed Insurance rates. XXXX was not alone on this practice and many other Servicers including XXXX XXXX XXXX, which owned XXXX XXXX, were subjected to similar charges and litigation. Our homeowner insurance was {$4300.00} XXXX XXXX XXXX charged {$17000.00}. 11. XXXX 's practice of using robo-signers '' to attest to the amounts due and owned by the Borrowers without confirmation or personal knowledge of such accounts also resulted in many legal cases and settlements. The affidavit submitted by XXXX in our foreclosure case to the court to attest to the amounts owned was signed by XXXX XXXX, who prepared and signed off on foreclosures without reviewing them as the law requires. XXXX XXXX was the XXXX employee who was the first identified as a robo-signer and who acknowledged in sworn deposition that he prepared 400 such foreclosures a day. The significance of this is the robo-signing of affidavits and Assignments of Mortgage and all other mortgage foreclosure documents served to cover up the fact that loan servicers can not demonstrate the facts required to conduct a lawful foreclosure. Robo signers who sign off on loans and foreclosure actions without review, may have committed fraud by claiming knowledge of a financial matter of which they had no personal knowledge or did not verify. It could also mean that some people were wrongly foreclosed and evicted from their houses. XXXX 's recognition of liability as a result of this practice lead to the halting of all foreclosure action in 23 states including Florida on XX/XX/XXXX. We assert and believe that have demonstrated through the presentation of documentation on our various correspondence that our mortgage account and payments were mishandled and that XXXX XXXX affirm the amounts due without having personal knowledge of the mortgage account. 12. Our foreclosure case was also handled by the Florida XXXX XXXX XXXX based in XXXX. This was one of the major foreclosure mills in Florida that were investigated by the Florida Attorney General and the Florida Bar and subject of lawsuits and accusations of falsifying documents to speed up the foreclosure process. This also happened in our case since our attorney was able to show in court how the firm had not provided proper notice of default as required. 13. Ditech has not been responsive to our previous Settlement Offers & Dispute Letters have not addressed the specific issues at the core of this case. Although Ditech was not the original Servicer at the time the case was opened or took the actions in dispute, we believe this does not relieve Ditech from responsibility to address these issues or seek a resolution. The issues that Ditech has been unresponsive have been : Borrower continuing making payments through XX/XX/XXXX post foreclosure action. The Servicer not crediting the Borrowers account for the period the Borrower had insurance coverage The Servicer prior notices regarding Lender Force Placed Insurance and Charges or Escrow Waiver revocation as required by the Mortgage Contract. The Servicer force-placed insurance charges that were abusive, exorbitant and unjustified and that the Servicer erroneously classified the policy Tenant Occupied and the year of the home as unknown impacting rate. The Servicers has not given fair consideration to the Borrowers request regarding XXXX XXXX Homeowners Assistance to help homeowners in default prevent foreclosure if they want to keep their home and afford their mortgage payment ;
05/04/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TN 376XX	Web	Servicemember
X/XX/17 experienced a house fire at property that is mortgaged through Ditech Financial. An electrical outlet shorted out and caught fire causing damage to the inner wall and exterior wall of the house. We incurred water damage, smoke damage, and the electrical system throughout the house was compromised This property belonged to my Father who is now deceased. Dit ech had already been informed of his death and already had the documents that pertained. Ditech was also aware that I was the personal representative of his estate. X/XX/17 Insurance adjuster arrived, assessed the damage and cut a check, which was made payable To The Estate o f XXXX and Ditech. I was told I had to send it to Ditech t o have the funds released. I phon ed Ditech several ti mes to inquire as to how to process this check and was given a different story every time. There were no written instructions, no explanation as to whether we had to use a specific type of contractor or if we could do the work ourselves, etc. Each person I spoke with told me something different. I requested written instructions. None were given. X/X/17 I finally reached someone named XXXX , whom I thought was giving me the correct information and even explained that we had the option to payoff the balance of the mortgage and then use the remaining funds for damage repairs. She instructed me to endorse the check, send a letter stating we wished to pay off the mortgage and to send the remaining funds for repairs. She also told me to send a statement from the payoff dept with the payoff amount. She stated that Ditech already had my Fathers will and other documents so I didnt need to send them. I did everything she asked. I even sent the package priority mail express, which cost me an additional {$24.00}, just to help expedite the process. She was aware that we had no electricity on one e nd of the house and we needed to get the process rolli ng. Ditech received the package on X/X/17 . X/X/17 I received a voicemail from XXXX or XXXX , I couldnt tell which, stating she needed copies of the executor of the estate documents ( which Ditech already had ) and that I hadnt endorsed the check correctly. She stated she was returning the check so that I could endorse it again and gave me explicit instructions as to how to endorse. XXXX did not tell me the check had to be endorsed in an exact precise way. I called her to complain about that fact. I also stated that Ditech already had all the documents that XXXX had asked for. She apologized and told me she printed the documents herself and put them on XXXX desk. I also reminded her of how long this process was taking and we still had no funds for repairs. She then explained that she would notate the account to let the payoff department know to send the remaining funds to me by XXXX overnight and it would be at no charge to us. We had to wait for the check to arrive. It was in the mail on X/XX/17 . X/XX/17 I endorsed the check correctly and immediately mailed it priority mail ( again trying to expedite the process ) at a cost of {$6.00}. X/X/17 I accessed the account online and saw that the notations had been made of the account being paid off on XXXX . We still had no funds for repairs. We had no XXXX XXXX overnight package. X/X/17 still no funds, no XXXX XXXX pkg. I called Ditech again . Spoke with XXXX she stated the money was just sitting there and had not been processed. I told XXXX what XXXX had promised. She saw no record of it in the system. I told XXXX that I wanted the money wired immediately, she took my banking information and assured me that her supervisor XXXX would process it that day, that she had already sent one over to her earlier that day, and XXXX had taken care of it right away. XXXX assured me I would have the funds in n 3-5 b usiness days and I would not need to call back. X/XX/17 still no money wired to my account, no XXXX XXXX pkg. Nothing. I called Ditech again. I asked to speak to a supervisor. I was transferred to XXXX XXXX . He stated a check had been cut on XXXX and had been mailed. I told him of the promises that had been made by XXXX and XXXX . I recalled all of the instances since XXXX that we had been given misinformation and that not one p erson had followed through. I stated that I could guarantee that the check had been made payable to my deceased Father . XXXX stated that no, theres no way they would have done that, it clearly states in the account that the funds are to be made out to me. I told XXXX I w anted to file a formal complaint. He typed a brief summary of the issues I was complaining about and read it back to me. He promised me that an associate vice president of the customer service department would contact me. I arrived home that night and there in the mailbox - is a check from Ditech - made payable to XXXX XXXX , my deceased F ather. X/XX/17 I call Ditech a gain. I asked to speak to XXXX XXXX , Im told he isnt at work that day. I asked to speak to hi s manager , Im told he isnt in that day either. I was told then that XXXX would be in the next day at XXXX central time, and they would send him an email to contact me as soon as he arrived to work. I told the representative that I had better hear from someone the next day. The person assured me that I would. X/XX/17 I waited all day for a phone call no one called. At XXXX eastern time I called Ditech again. I spoke with XXXX XXXX and told him about the check, and that again, Ditech h as dropped the ball. He said he was going to put me on hold and go speak with a manager named XXXX . He returned to tell me that a stop payment request had to be issued on the check and that once the funds became available again, they would wire the money to my account. So, we get to wait 2-3 mo re days for the funds to become available and then wait for the money to be wir ed!! He asked for my banking information, I told him I had given all of th at to XXXX on XXXX XXXX . He stated it was not in the notes. I had to give him the information again. He promised me that he would follow through and as soon as the funds were available he would call me to tell me the money was being wired. X/XX/17 I still havent heard from any Associate Vice President. X/X/17 - still no phone call, no money. Called XXXX XXXX extension got voicemail. Left message. Called Ditech again. Spoke with a cust svc rep who was very rude. Said XXXX XXXX was not in and all she could do was send him an email to contact me asap. I asked for his supervisor, she said she had no idea who that was. She said there were no notations in the notes that any money had been wired. X/X/17 - received a voice mail from XXXX XXXX . I called back twice -got voicemail XXXX - still no phone call, no money a house fire in XXXX and 9 week s later, no money for repairs.
06/04/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	UT 84790	Web	Older American, Servicemember
Our Mortgage Loan was Originally made with XXXX XXXX XXXX XXXX. We understood this to be a " Fixed Loan '' and not a Variable. We feel we have been treated very unfairly not only by Ditech Financial LLC ( whom we do NOT have any signed Loan Documents or Contract 's with ; but by their Attorney, XXXX XXXX XXXX XXXX of XXXX, XXXX , & XXXX, XXXX. the letter see received, saw on XX/XX/XXXX from XXXX XXXX XXXX XXXX of XXXX, XXXX , & XXXX XXXX dated XX/XX/XXXX states : Pursuant to 15 USC 1692g. you are given the following notice : Ditech Financial LLC by and through its servicer, Ditech Financial LLC is the creditor to whom the debt is owed. 1. Ditech is not the Creditor. The Creditor on the Mortgage Loan is XXXX XXXX XXXX XXXX and they are no longer involved in any Mortgage transaction involving our original Loan Agreement. According to FDCPA Definition of a Creditor ( 4 ) ; 1692a. Definitions ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. Ditech did not offer or extend credit creating a debt. Consumer had no offer to accept. And there was no performance as a Creditor as Ditech did not offer or extend credit to create a debt. In my reply to the Attorney dated XX/XX/XXXX, I asked for proof of our Signatures showing a Contract or Agreement we had with Ditech Financial LLC. The Lawyer responded with with unofficial copies of the original Mortgage with XXXX XXXX XXXX, and no documentation of proof we have any Creditor/Consumer agreement with Ditech Financial Services, LLC. as I requested they send me! This letter we also did not receive or see untilXX/XX/XXXX, dated XX/XX/XXXX. 1692i. Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 3 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 4 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. ( Pub. L. 90321, title VIII, 811, as added Pub. L. 95109, XX/XX/XXXX, 91 Stat. 880. ) EFFECTIVE DATE Section effective upon the expiration of six months after XX/XX/XXXX, see section 819 of Pub. L. 90321, as added by Pub. L. 95109, set out as a note under section 1692 of this title. 2. Referring again to the Letter we received, saw on XX/XX/XXXX from XXXX XXXX. XXXX XXXX of XXXX, XXXX , & XXXX, XXXX dated XX/XX/XXXX states : Pursuant to 15 USC 1692g. you are given the following notice : Ditech Financial LLC by and through its servicer, Ditech Financial, LLC is the creditor to whom the debt is owed. However, according to the first paragraph in very first Letter we received from XXXX XXXX XXXX XXXX/Ditech Financial, LLC dated XX/XX/XXXX states that ;... The servicing of your mortgage loan- that is, the right to collect loan payments from you is being transferred from XXXX to Green Tree effective XX/XX/XXXX. The servicing does not affect any terms or condition of your current mortgage loan, other than the terms directly related to the Servicing of your loan... 3. Every statement or document, including but not limited to Loan Modification Offers etc., we received from XXXX XXXX XXXX XXXX./Ditech Financial, LLC . always made the Statement and Reference they are a Debt Collector. The FDCPAs definition of a Debt Collector which I believe to also logically include the Term Servicer is ; 1692a. Definitions ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. 4. How can Ditech Financial LLC be both the Creditor and a Debt Collector/Servicer? Attorney letter dated XX/XX/XXXX # 2 Ditech Financial LLC by and through its servicer, Ditech Financial LLC is the Creditor to whom the debt is owed. 5. How can a Servicer or Debt Collector Foreclose on a Home? As I was reading through the Fair Debt Collections Act I found these regarding False or Misleading Representations ( 2 ), & Furnishing Certain Deceptive Forms ; 1692e. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; ( stating Ditech Financial LLC is the Creditor ) 1692j. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX We believe he statement by Ditech Financial LLCs Attorney, XXXX XXXX XXXX XXXX. in his first Communication, Pursuant to 15 USC 1692g. you are given the following notice : Ditech Financial LLC by and through its servicer, Ditech Financial LLC is the creditor to whom the debt is owed. As well XXXX XXXX XXXX XXXX submitting and filing a Notice of Default and the beginning Foreclosure Proceedings would be considered, Furnishing Certain Deceptive Forms which is a violation of the FDCPA Law, as they attempting to create the false belief to us that Ditech Financial LLC is the Creditor are not, when they clearly by their own statement on every mailing, statement, we have received state, " This is from a Debt Collector. ''
07/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 490XX	Web
This has been a long involved process, over the past year. My loan is through Ditech, orgionally XXXX, then Greentree, and so on. Been with all of them, but currently Ditech. For years I have gotten a hardship discharge on my taxes. In XX/XX/XXXX I received a 'newly analyzed ' bill from Ditech which included property taxes. I promptly submitted my discharge letter showing there was XXXX taxes due. Over the next six months, I received several bills showing due for 'past property taxes. ' And I subsequently sent/faxed/mailed many times the discharge letter showing XXXX taxes were due. Each time, beginning in XX/XX/XXXX through XX/XX/XXXX that I sent a letter/faxed, Ditech would send me a standard reply letter stating 'we are looking into the matter and will respond in 30 days. ' However, they never responded until XX/XX/XXXX when I had filed a case with the AG of Michigan ( XXXX XXXX # XXXX ). By then, the house had gone into foreclosure. ( I did pay my monthly house payment of {$260.00} ; the only amount that was overdue was the property taxes. Ditech was demanding I pay $ 1000-2000 for property taxes. But please remember I had submitted to Ditech on numerous times my hardship discharge showing I owed XXXX property taxes. Ditech had proclaimed from XXXX to XX/XX/XXXX that they had completed many escrow analysis '. When the case with the AG was brought to Ditechs attention ( XX/XX/XXXX ), a Ditech Representative, through very malicious letters, claimed that I was lying, and that I indeed owed property taxes. I have corrospondence from this representative where she throws all the blame of this mistake onto me, and insists there are taxes due. She herself throughout this corrospondence is caught in many lies. Ditech sent a check for property taxes to two taxing authorities. One had been returned, and the other one was caught in limbo, but eventually sent back to Ditech. And even though the one check had been returned, and Ditech had many copies showing I was tax exempt, they still insisted I owed property taxes and were charging me for these transactions. Please remember, my home was in foreclosure XX/XX/XXXX due to these purported property taxes, I am a XXXX senior citizen on a extremely fixed budget. I would like to reiterate that from XX/XX/XXXX through XX/XX/XXXX there had been no corrospondence from Ditech, short of the standard reply letter stated above. Moving forward, in XX/XX/XXXX Ditech closed my escrow account, entirely. Ditech representative, which I stated above, insisted I asked to close it, which, I never did. This included my house insurance. In XX/XX/XXXX, Ditech demanded I pay them {$1100.00} for back escrow. Again, I filed a claim with the AG of Michigan, case number and worker stated above. Without my knowledge or consent, Ditech sent a check to my old home insurance company ( XXXX XXXX ) in XX/XX/XXXX, and were demanding payment. However, when Ditech closed my account in XX/XX/XXXX I had changed insurance providers and was paying a monthly amount to the new company ( XXXX ). AGAIN, Ditech put my home into forclosure XX/XX/XXXX, because of the back escrow which they now said was due. I would like to like you to know that despite Ditech reinstating my escrow account on XX/XX/XXXX, due to THEIR error, they did not notify me of this until XX/XX/XXXX, almost three months. I would like to add here, that in XX/XX/XXXX, due to all the stress from Ditech, I was admitted to the hospital in XXXX XXXX. XXXX I had a XXXX with an XXXX XXXX XXXX. My health is very XXXX. But even this amount of XXXX would affect a healthy person, let alone a ill person. It took this money some time to circulate through XXXX XXXX, and know that Ditech was charging me this entire time for their mistake. XXXX finally sent me the money, of which I returned to Ditech. XX/XX/XXXX, upon advice from AG XXXX XXXX. XXXX XXXX dismissed this case in XX/XX/XXXX. However, I went to the mailbox yesterday and received a bill from Ditech for {$640.00}. According to XXXX XXXX, Ditech reports I did not pay XX/XX/XXXX payment. When in fact I did, and have the canceled check. I have paid my {$260.00} each and every month, and the {$54.00} insurance since XX/XX/XXXX. For XX/XX/XXXX admittedly there was an emergency and I had to be late with my payment, but that is a mere {$310.00}, and will be paid this week. Next month, it will be one year since this began. There had been more issues with Ditech before this year, but I was just to sick to fight. I have gone through two foreclosures due to Ditechs mistakes, and refusal to address issues, over the past 12 months. Also, Ditechs representatives are allowed, and encouraged, to lie and manipulate customers ( when asked why Ditech did not call and discuss the above matter regarding taxes, the rep said 'we prefer to have written corrospondence. ' However when it was pointed out that Ditech had four to five months and only sent the standard 30 day reply stated above and did not follow up, she became vicious and accused me of lying. But in fact, it was her that had been lying. And I have substantial proof of this ). Furthermore, I do not believe that my account throughout this period with Ditech has been properly handled over the years. Ditech has been applying almost the entire payment to interest, with little to none going to principle. And I know for certain years ago, when the interest was at a lower rate, they overcharged my account. And again, there has been almost XXXX interest paid down. I also would like to add here, just how low Ditech will go. As I have told you, I have been working with XXXX XXXX at the Attorney General 's office of Michigan. She called me during this case, in about XXXX or XX/XX/XXXX. She told me that the Ditech Representative XXXX XXXX ( this was a new girl, as the previous one had been caught in so many lies ) had informed her that I supposidly had sent a check to XXXX XXXX, she told Ms. XXXX that she recieved the check and it 'had been written all over. ' Now, the only thing I could make out of this was Ms. XXXX was trying to make me look a little crazy. Or maybe stalkish? I dont know. And I wondered what that had to do with my house payment. But anyways, I sent a copy of this purported check to Ms. XXXX showing her it was indeed made out to Ditech, not Ms. XXXX. And there was no unnessacary scribbling or writing on the check. The only way Ms. XXXX could have gotten the check was if she worked in the mailroom, but since her title is 'paralegal ' I doubt that. The point is, why? What was Ms. XXXX trying to prove falsely? But, that is Ditech for you. Please, help me with this case. My XXXX XXXX has gone up substainially over the past few months. This is all absolute nonsense and unnessacary, and I would call harassment. Ms. XXXX has tried, but more apparently needs to be done. My home is going into foreclosure again ... ... ... ... ... according to Ditech.
04/25/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	OK 747XX	Web
In XXXX of XXXX, I was behind a couple of months in my mortgage. It was suggested by the company rep that I spoke with to apply for a loan modification and to hold off on making a payment because if it was approved it would bring me current and possibly lower my monthly payment amount. Since having bought my home in XX/XX/XXXX I had became XXXX and my husband had taken a 50 % cut in hourly wage due to losing his job after an on work injury. I filled out the necessary paperwork that was required for this application to start this process. I was then told to call weekly to see if there was any kind of an update on the application. After a couple of weeks, I had called and was told that the dept that handled those applications was 7 weeks behind on their work and to continue to call back weekly. Every week I called this company and it was only during those calls that I would find out anything about the processing of my application. During those calls were the only time I would find out if the company required any other information from me. As you can see by the attched file I was still sending Ditech additonal information on my loan modification. During the prior months, I had to repeatedly resend the same information to the company and had filled out the application 4 different times, once because I was sent the wrong application to fill out. Due to the company 's delay in processing this application, I had to resend current pay stubs and bank statements because they wanted the most current. Many times I was unable to upload the required documents to their website on my account because their website was having problems, thus I was forced to send them to the company via email. I had to pay my payments in 2 parts during the months previous and I had made a partial in XX/XX/XXXX to complete the amount they had in unapplied funds for full payment. In XX/XX/XXXX I was speaking with a rep from their company to get an update, which at that time they were still processing my application, and I told the rep that I needed to send a payment to them. I was told NOT to send any money because it would be returned to me due to the fact that I was in pre-foreclosure. I had not received any notification of this prior to this conversation. It seems that they claimed that I had received something back in XXXX or earlier. I was left hoping that the company would hurry up with my application and that things could get back on track. I repeatedly told them all I wanted to do was to start making my payments again. I had previously tried to set up an auto bank draft for my account using their website but the website would not allow me to do this without being current. I explained my problem with one of the reps and was told yeah you have to be current to do this, which made no sense to me because setting up a bank draft would have assured the company that they would at least be getting monthly payments. They had set up bank drafts in the past to debit my account for 1-time payments several times without me being current. My home was built in XXXX and it had already had 3 previous owners that this company had foreclosed on. I continued to call weekly about the modification application. Then in XX/XX/XXXX, I had an insurance claim made on my home for my roof. The company had put insurance on the home when my husband was out on workers comp and we found out that the insurance company we had was not taking the insurance premiums out of the workers comp check, the same company that paid the workers comp payments was also the same company that we had our homeowners insurance with. We were issued an insurance check for the replacement of the roof and it was sent in our name and that of Ditech. We were instructed by Ditech to sign that check and to return it to Ditech and that they would pay the contractor. Ditech later sent us a portion of that check made out to us and the contractor. We signed that check and gave it to the contractor. Ditech still is holding a portion of our insurance check in the amount of {$1600.00}. I have repeatedly requested that they send us the remaining amount that they are holding so the contractor can be paid. Ditech continues to change their mind as to what they need in order to send us that check. Both the contractor and myself have sent Ditech the paperwork that they request several times with it always being the same paperwork. I was told once that we needed and inspection before they could release the money and after 2 or 3 weeks and not hearing from Ditech or an inspector I called Ditech and was told that I didn't need an inspection. Then they would request the same paperwork from me again. Both the contractor and I would send the paperwork both through email and through fax. Now here we are in the last part of XX/XX/XXXX and I was told we need an inspection. So far no one has come to do any kind of inspection. I was told that I would hear from someone in 10 days. Ditech made the contractor sign a release form preventing them from putting any kind of lien on the home before they would release the first portion of the insurance check. Now I have someone wanting to buy my home and I am not sure how I will get Ditech to release their claim on the home. I had received notice from an attorney sometime back stating I needed to pay x number of dollars to prevent the foreclosure. I requested from that attorney the name and address of the original creditor, which I sent that request certified mail. It took a few months before I even got that information from the attorney. Now Ditech has filed chapter XXXX once again and prior to this being information being made to us we received notice that Ditech had canceled our homeowners ' insurance. I called Ditech to find out why this was done. I was informed that it was because I was being assigned a new account number and that once their system was updated that my insurance would be put back in place with no lapse in coverage. My original contract states that if Ditech has to place insurance on my home that the amount of coverage that they are allowed to place and charge me for will be in an amount no greater than the amount that is the balance of what we owe on our home. Ditech has placed and charged us for insurance premiums on insurance that is double in the amount that we owe on the home. When I questioned Ditech about this I was told that that was all they could get and that they had to put that amount on there. This is a breach of contract and we have been paying for coverage that we should not have been charged for. I need someone to help me and others like me to stop this company and their thieving practices. I'm sure that because my home was financed with the same company by the previous owners that they were foreclosed on for similar reasons.
10/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
The following complaint XXXX was closed by the CFPB on XX/XX/XXXX. However, the information received was not for MY Ditech Financial account. My monthly payment IS NOT {$830.00}. I have no late charges assesed to my accound and no NSF fees. There is no monthly ACH draft. Please be advised my dispute was in reference to credit reporting. The CFPB closed the account in error. The CFPB Complaint process is BROKEN. In addition, the CFPB does not allow the consumer to respond other than providing feedback that is not read or resolved. MY COMPLAINT Review of recent credit reporting ( XXXX Report # XXXX ) indicates Ditech has reported my account delinquent XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 150 days delinquent ), and XX/XX/XXXX ( 180 days delinquent ). However, the loan was on an Active/Performing Unemployment Forbearance Plan. The Unemployment Forbearance was submitted XX/XX/XXXX and approved XX/XX/XXXX effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. Ditech erroneously cancelled the Unemployment Forbearance Plan on XX/XX/XXXX due to the automated process of a Loan Modification Solicitation being mailed. A complaint was filed on XX/XX/XXXX and Ditech remediated the error and obtained approval from the Investor XXXX XXXX for an extension of the existing Unemployment Forbearance. Correspondence was received from Ditech ( XXXX XXXX ) dated XX/XX/XXXX indicating the Unemployment Forbearance Extension was approved effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. The loan was under Error Resolution review XX/XX/XXXX through XX/XX/XXXX. Unemployment Forbearance payments were Paid as Agreed, as stipulated XX/XX/XXXX through XX/XX/XXXX. The credit reporting account status should have been reported as Active Forbearance -Paying as Agreed XX/XX/XXXX through XX/XX/XXXX. According to 12 CFR Part 1024.35 ( b ) and ( i ) Regulation X of the Error Resolution Procedures the Mortgage Servicer ( Ditech ), after receipt of a notice of error, a servicer may not, for 60 days, furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the notice of error. Therefore, the loan should not have been reported as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as the loan was under review for the complaint filed XX/XX/XXXX. The loan was also brought current XX/XX/XXXX in the amount of {$7.00}, XXXX and should have been reported as current for XX/XX/XXXX. In addition, the Investors ( XXXX XXXX ) Credit Bureaus Requirements ( XXXX ) also require the Servicer ( Ditech ) to provide a complete and accurate full- file status report for all mortgage loans to each of the four major credit bureaus describing the exact status of each mortgage loan as of the last day of each month ( delinquent mortgage loans including 30, 60, 90+ day delinquencies, forbearances, modifications and liquidated mortgages ). ALL credit reporting bureau information ( XXXX, XXXX, and XXXX ) is required to be updated accordingly. Company 's Response Payment Application and Payment History Our records reflect that Ditech Customer Service has previously responded to your complaint and have sent you a copy of your payment history, which identifies how your payments have been applied. Enclosed please find another copy of your payment history. Ditech has reviewed your payment history and have determined that no payments were received in XXXX or XX/XX/XXXX. On XX/XX/XXXX, Ditech received funds to apply to your XXXX, XXXX, and XX/XX/XXXX payments. Late Charges Your payments are due on the first day of each month. Under the terms of the Note ( attached ), a late charge of 4 % of the principal and interest may be assessed if the payment is not received by the 15th day after the due date. Ditech will not and has not assessed multiple late charges per month. As of today, you have outstanding late charges assessed in the amount of {$170.00}. Ditech has reviewed your payment history and the late charges have been assessed accurately. NSF Payments On XX/XX/XXXX and XX/XX/XXXX, Ditech receive Automatic Clearing House ( ACH ) payments on your account each in the amount of {$830.00}. On XX/XX/XXXX and XX/XX/XXXX, these payments were returned as NSF. Your account was assessed NSF fees in the amount of {$60.00} XXXX {$30.00} each ). I have enclosed a copy of the notices that were sent to you for your records. I have also enclosed a copy of your payment history and have highlighted the transactions. On XX/XX/XXXX, Ditech sent you a notice that the ACH payment option was discontinued pursuant to your request. Escrow Account The HOI coverage listed on your account as of XX/XX/XXXX was for XXXX, policy # XXXX, and the premium was paid on XX/XX/XXXX, in the amount of {$870.00}. According to our insurance vendor, they received another HOI policy from XXXX XXXX XXXX, policy # XXXX on your account. On XX/XX/XXXX, the attached notice requesting information on the duplicate policies was sent to you, but no response was received back from you. Our insurance vendor has verified that there are currently two active HOI policies on your account. On XX/XX/XXXX, Ditech disbursed funds in the amount of {$1000.00}, for the XXXX policy, which did leave your escrow account negative. Ditech has an obligation to pay the HOI premium to protect the investors ( XXXX XXXX ) interest in property, and if the escrow account does become negative after a disbursement, Ditech will advance funds. As of today, your escrow balance is {$170.00}. On XX/XX/XXXX, Ditech received an online request to have another escrow analysis prepared because you had obtained a new HOI policy ( see enclosed ). An escrow analysis was prepared on XX/XX/XXXX, that identified an escrow shortage in the amount of {$950.00}, which did increase your regular monthly payments from {$820.00} ( escrow of {$190.00} ) to {$910.00} ( escrow of {$280.00} ) effective with the XX/XX/XXXX payment ( see enclosed ). The increase in your monthly escrow payment was caused because of the two HOI disbursements on XX/XX/XXXX ( {$870.00} ) and XX/XX/XXXX XXXX {$1000.00} ). If you received a refund from XXXX, please forward the funds back to Ditech so we can apply it back to your escrow account. Account Representatives We apologize that you feel that you were harassed since our goal is to treat all customers in a courteous and professional manner. If you can provide more specific information Ditech would be happy to review the matter further. As a courtesy, Ditech has ceased all outbound telephone communications on your account. However, for your convenience, we will continue sending billing statements and legally required notices.
10/20/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI XXXXX	Web	Older American
1 ) My email to the company XX/XX/XXXX ( also attached ) : " This represents the 29th contact I have made since XX/XX/XXXX in an attempt to resolve an issue regarding the application of additional payments made in XX/XX/XXXX. Responses to phone calls ( one lasting more than 30 minutes ) and email through the secure message center have been neither timely nor comprehensible. Communication has been difficult at best. Questions on the phone are often met with silence or a subject change and have yet to be answered by mail when repeated. I received your XX/XX/XXXX response which states you are still gathering evidence. This is unacceptable. Either Ditech employees are incompetent or the information provided to customers is intentionally confusing and incomplete. Based on more than 632 consumer complaints lodged against you at http : XXXX, my vote is leaning toward the latter. Please review the attached. My contention is that Ditechs choice in applying the XX/XX/XXXX and XX/XX/XXXX payments in XX/XX/XXXX from the additional monies submitted ( {$57000.00} total ) in XX/XX/XXXX, resulted in excessive interest and inadequate principal reduction resulting in more than {$1700.00} in your favor. I questioned this via a Secure Message, and Ditechs response was to perform one of several re-allocations, none of which made sense to me ( see payment history online for further details ). The first reallocation removed BOTH th e XX/XX/XXXX & XX/XX/XXXX payments and charged a late fee for XX/XX/XXXX. An agreement by phone on XX/XX/XXXX stipulated that two payments were to be deducted from the {$57000.00} since originally the online system indicated another payment was not due until XX/XX/XXXX when the payments were made. A spreadsheet received on XX/XX/XXXX from XXXX XXXX as a result of a phone inquiry showed a principal balance of {$150000.00} at one point, but my original loan amount was only {$71000.00}. This spreadsheet was supposed to explain what was done and why it was done. This was not clear to me at all. Payoff quotes provided online between XX/XX/XXXX and XX/XX/XXXX have also been inconsistent. I believe you did not reduce interest or principal until XX/XX/XXXX, even though you had {$56000.00} in additional principal in XX/XX/XXXX. Your kind attention to a prompt, timely, and reasonable resolution is requested immediately. More than 90 days have passed since my initial inquiry on this matter. " 2 ) On XX/XX/XXXX, they sent me the same information as previously sent on XX/XX/XXXX - with additional generic information about actuarial-type interest, with no further reduction in the principal balance. They have not provided specific information about how the interest is calculated each month ( on what day of the month/payment cycle is it calculated, and which principal balance is used - end of month, average daily, etc. ) despite numerous requests for this information in the secure message center, by phone, and by email to customer service. As of XX/XX/XXXX, no resolution. 3 ) I made 2 payments in XX/XX/XXXX : one from my bank account on XX/XX/XXXX, which I was not sure would make it before a late fee was incurred on XX/XX/XXXX, so I made the 2nd payment on their website on XX/XX/XXXX. On XX/XX/XXXX, I see on the website that the second payment was placed in " Unapplied Funds '' even though their website states if there is enough additional $ for a full payment they will apply it to the loan, otherwise it will stay in unapplied funds until a full payment amount is reached and then they will apply it. Since XX/XX/XXXX, I have never had a bank/mortgage NOT apply extra $ to principal, and all banks have a way to specify additional principal or escrow or even " other '' with space to describe it. This company does not. On their website, it allows for only " additional amount ''. They implied it was my fault the allocation of additional monies was done incorrectly because " you should have written it on the back of the payment coupon '', even though all payments under review have been made online without a payment coupon. I never requested a " reallocation '' - that was another implied accusation ( you asked for it, so it 's your fault it 's wrong ). All I did was question why the reduction in principal and interest was not greater. The website also showed on XX/XX/XXXX " This account is not eligible for a payoff quote '' even though I have obtained many other online quotes previously. So, I call to request that the 2nd payment be applied immediately and email the same request to CS. After 41 minutes on he phone with XXXX, I still did not get specific information on how interest is calculated nor a explanation as to why a payoff quote is not available ( she does n't " understand why it wo n't let me do this [ get a quote ] ', nor why the extra payment was considered unapplied funds, nor how the problem might be resolved, other than to say she put in for a " reallocation '', and that might take " up to 5 business days ''. Today, XX/XX/XXXX, on the website, the 2 payments show as one amount, and the first payment is reversed. Why they simply did not show a 2nd payment is beyond me. It still states on the website " This account is not eligible for a payoff quote ''. XXXX told me she was n't working today, but that she would call me " back Saturday ( tomorrow ), or if not Saturday, then Monday ''. When I tried to reach her at the extension she gave me later in the day yesterday I was told by the CS rep who answered that it just kept " ringing and ringing, so she 's probably on another call. '' Bottom line, they either do not know what they are doing or they operate intentionally to benefit their interests. Please see the attached pages that show the {$1700.00} difference. I am XXXX years old. I tried to refinance last year. They yanked me around from XX/XX/XXXX- XX/XX/XXXX last year on a so-called HARP loan, initiated before I retired in XX/XX/XXXX, asking for income verification which HARP does not require, then insisting I needed an appraisal ( which also was supposedly not necessary for HARP ) for {$630.00}, and when I complained about the price as being {$200.00} more than the going rate, they said it was not their fault - appraisals were contracted out, I could not get my own, and " anyway, if the loan closes, you will get it back as a credit ''. The loan did not close and was declined in XX/XX/XXXX because they could not obtain employment verification because I had retired! My credit score was XXXX when I started the process. Obviously, as of that moment, I wanted to pay this off and be rid of them for life, but they are making this next to impossible. I do not feel I have been treated fairly. Thank You for your help - maybe there is hope!
05/28/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 95747	Web	Servicemember
This is not my first complaint. My former complaint was XXXX This is an escalation, due to the mishandling of my monies received by my insurance for a fire claim resulting from the Campfire wildfire in XXXX, CA. Here are the facts : I opened a claim with Ditech mortgage, to submit a check I received from XXXX XXXX insurance for reimbursement for fire remediation repairs to our home that survived the Campfire wildfire. What did not survive was a seperate structure equaling 1200 sq ', and based on our policy, we were paid for a total loss of that structure, {$100000.00}. The check was cosigned to Ditech mortgage. I was promised before sending the check, that the check would easily be signed back to us, so I sent it to them. That was the first lie. Next I am sent on this crazy goose chase of submitting proof of service, with Lien Waivers, and receipts and W9s. Which I get was neccesary for the repairs but nothing to do with the total loss. It was clear on my policy and the claim letter from the insurance that we were paid for total loss and no repair or rebuild was necessary. I spend months calling, asking for clarification for why my total loss for seperate structure was not returned. They finally informed me after I submitted a claim through this agency, that they required that the check used to rebuild the lossed structure or used to pay down the principal, based on XXXX XXXX rules ( since XXXX XXXX was the ultimate lender ). After fighting this with XXXX XXXX, because we felt it was unfair given that we paid for the build of the sep structure with cash and no financing, they persisted, and we gave in. We agreed to have the claim money used to pay down the principal of {$120000.00} on XX/XX/XXXX. I have been calling every week sometimes 2-3 times a week since XX/XX/XXXX to track the processing of that claim money, since they also have been mismanaging the monies owed to us for the reimbursement for the fire remediation of the surviving structure. I will not provide highlights of that mismanagement, because these events combined are either a demonstration of how dysfunction this organization is, or whether this is just a elaborate scheme to hold onto the claim money instead of refunding the money to use. XXXX included in the check that was cosigned to them, the estimated fees for cleaning of the home, and replacement of the insulation. It was only after I filed a complaint with this agency that they finally informed me that all the paperwork I submitted resulted in them sending me checks. But, they conveniently sent the checks to the wrong address. The wrong address I believe was a rouse, since I had them repeat the new address to me, when I gave it to them. We were staying at a temporary address since we were displaced from the wild fire, and the post office was causing great delays in forwarding mail to our new address. Therefore I informed Ditech of our new address, which was XXXX XXXX XXXX XXXX. They sent it to XXXX XXXX XXXX XXXX. Which is a vacant residence, and ultimate the post office returned the envelope to sender. It's now XX/XX/XXXX and I have yet to receive that money either. Those checks total {$22000.00}. Week after week, I am promised that they are being processed or in the mail, just to find out there are more excuses for why they are still not sent. My last communication with Ditech on Friday XX/XX/XXXX, they informed me that they could not locate the checks. On more than one occaision they change the story, and tell me they need to cancel the original checks and rerequest them, when I inform them that had been done more than 2 weeks ago. Again, I don't know if this organization is that inept and dysfunctional or whether they are lying as a major game to keep this money in their possession. The final and agreegious complaint is something I found out, but not by Ditech. In all the conversations I have had with them, never did they bother to inform me that they have sold my mortage to another company. SOLD my loan! How in the world were they planning to pay down my principal when the principal balance was sold to another company. The nightmare that I see, and why I am filing this complaint, is that the {$100000.00}, which was ordered to be paid towards the principal on XX/XX/XXXX is lost in their organization. When I spoke to them about where it was specifically, they said vaguely that the money was ordered to a vendor to be sent to Ditech and they don't know where it is right now, because the mailing address on file does not match the physical address on file, so the vendor supposedly did nothing. By the way, I did not know at the time of that discussion, that my loan is scheduled to be in possession of another finance company by XXXX, XXXX, and last they told me it would take another 7 - 10 business days to be processed, so how are they going to pay off the principal when they no longer have the note. What is to happen to that {$100000.00} I spoke to a Ditech claims superviser on Friday, he gave me his personal extension and promised to get back to me. He did not call back, he did not inform me that my loan was sold to another company, he had no idea where any of the checks in question were. It was a holiday weekend. What is to happen to that money if they already sold my loan? Why did they not inform me about the sale of the loan? Why would they sell the loan in the middle of a claim processing? What don't they know where any of the money is? Why do they keep losing the money? Did they intentionally mismail the check as a ploy? Is it possible they are doing something illegal and they are hiding it with they elaborate schemes of hide the money and mistakes in processing? I feel powerless to get straight answers, every week it's a new excuse. At one point I was promised that 3 managers were going to take ownership and get to bottom of things, and then suddenly one took a few personal days and then that was the end of that due dilligence. Please help me. I have no intention to live in that home again. I have the house for sale. How could I possibly sell the home when the claim is left open and the mortgage is sold and the new company has no idea about the claim or worst is expecting me to wait while they become acquainted with the claim. This has been a nightmare. I thought escaping a town on fire was my worst nightmare, but it pales to the pain these people have put me through. They've been playing this game of cat and mouse since XX/XX/XXXX. It's been 5 months of XXXX. You'd think they'd be compassionate since I am a wildfire survivor, but instead they have just compounded the injury. Sincerely, XXXX XXXX XXXX
11/10/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	AL XXXXX	Web	Servicemember
On XXXX XXXX, XXXX I began a process to refinance my mortgage loan in an effort to lower my interest rate from 8.625 % to 3.875 %. Ditech Financial LLC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX is the loan servicer. XXXX XXXX at Ditech 's XXXX XXXX, Pa. location was the loan officer involved. XXXX XXXX was the one who gave me the refinance rate of 3.875 % for a 15 year fixed refinance. XXXX XXXX " promised '' a lot, like saying : 1. " if we continued making the same payment after the refinancing, we would pay off the loan in 10years and 1 month. '' 2. " pay for the appraisal usually around {$500.00}, and skip the first payment after refinancing in return. '' 3. " receive a {$200.00} gift card for ( military ) service appreciation. '' XXXX sat up XXXX XXXX XXXX XXXX in XXXX, XXXXL XXXX. During my conversation with the appraiser at my house, he informed me they contract with many companies and preform appraisals, I knew someone who wanted/needed an appraisal and asked him what the cost was? He explained to me ; rarely do the receive what the " company '' charges the customer ( usually under {$250.00} ), but for an individual around {$400.00}. This began my distrust with XXXX XXXX. XXXX XXXX, XXXX @ XXXX ( Friday ) : Sue at XXXX XXXX Title called me and left a message ; asked if I had a Certificate of Origin for my manufactured home? She explained to me Ditech should have it, it " should '' have been issued by my home 's manufacturer ( XXXX ) and sent to the original lender ( XXXX XXXX, then transferred to XXXX then Ditech ). XXXX ( Monday ) : I returned Sue 's call and spoke in detail about what a Certificate of Origin was, if Ditech could n't produce it, and if I did n't have a copy of it, what I would have to do ( get a XXXX XXXX ). She informed me Ditech had a " XXXX XXXX '' but was not the needed document ( XXXX of XXXX ). XXXX XXXX, XXXX : I emailed XXXX XXXX : I questioned him about why Ditech would be overcharging me? He assured me they " had no control over this '' cost. XXXX XXXX : Email to XXXX XXXX : why have n't you contacted me? Now a new problem : no one knows where the XXXX of XXXX ( CO ) is. XXXX XXXX, XXXX : Email to XXXX XXXX cant I get an answer? ( cc 'd my wife ... see XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Solutions called me trying to collect {$470.00} for an appraisal. XXXX XXXX, XXXX : email to Ditech and call to XXXX XXXX XXXX : this is Ditech 's problem. In the mean time I contacted the mfgr. of my home trying to find out if a XXXX of XXXX ( CO ) could be obtained? No, XXXX bankrupted XXXX. XXXX XXXX, XXXX : XXXX XXXX sends email to XXXX XXXX : what is needed and why is he being asked to provide document they should have? XXXX XXXX, XXXX : XXXX XXXX sends email to XXXX ( my wife ) she fwds to me ; message he received from XXXX XXXX stating ( brief ) : " Ditech requires the XXXX title to be deactivated and for property to be converted to real property. The borrower would have to get a Surety Bond, then apply to the state to get titles so that we can have them deactivated which will take 6 to 7 weeks. '' XXXX XXXX attaches a note : " XXXX it looks like we cant do the deal until the below is completed I hope the explanation below helps. '' XXXX XXXX, XXXX : email to XXXX XXXX asking for help obtaining needed documents or help with a Surety Bond. XXXX XXXX, XXXX : email to XXXX XXXX asking for help obtaining needed documents. XXXX XXXX, XXXX : email to XXXX XXXX asking for help obtaining Surety Bond. Sometime between this date and XXXX XXXX, XXXX I had received calls wanting to know, did I want to proceed with the refinancing, I replied : YES. I called to check the status and spoke with a XXXX XXXX, she informed me the loan had been cancelled by XXXX XXXX. XXXX XXXX, XXXX : Filed complaint against XXXX XXXX to Ditech. XXXX XXXX, XXXX : email to Ditech customer service asking for help since the unauthorized ( by me ) cancellation of the refinance process. XXXX XXXX, XXXX : email from XXXX XXXX : Get another loan officer. I replied ; really do n't want to seek legal action, can I get help? XXXX XXXX, XXXX : Received a letter from Ditech ( brief ) : ... reviewing my request ... ..in an effort to provide " me '' with a solution. XXXX XXXX, XXXX : Received same letter from Ditech, just a different date. ( I have copies ). XXXX XXXX, XXXX Letter from Ditech : Notice of Servicing Transfer to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX. XXXX XXXX, XXXX : I called this new servicer updated all my information with them ( everything* ) and explained to them ( in detail ) ; Ditech is giving them a loan that the house can not be proven exists because there is no record of it ( XXXX of XXXX, XXXX, etc. ). XXXX, asked for my permission to request the doc 's from Ditech. I continue to tell her : " THEY DO N'T HAVE THEM ... they gave you a bad loan, but this is how they operate '', that " this should be turned over '' to their " legal department '', but XXXX kept asking me : " is there anything else we can help you with? '' Nooo thank you. But when I asked : " by the way, does XXXX do refinancing? ", the answer was, no. XXXX XXXX, XXXX : Received a call from XXXX XXXX XXXX : " Just wanted to *update your information ''. left doesnt know what the right is doing. Ditech 's refusal to resolve these issues by ignoring my requests are unacceptable. It has cost me multiple hours of grief ( attempting to locate documents they should have in their possession ), refusing any help in locating, or share cost due to their incompetent business practices, thousands of dollars in monetary losses due to the high interest rate and multiple thousands in future interest rate costs ( now that they have transferred my loan to a company who admittedly " does not refinance '' ). Companies like this should not be allowed to operate in this manner. I 've experienced similar operations with XXXX. Getting through to them by a peaceful solution is n't acceptable by them. My issue continues ; Refinancing with another company ( other than who is the lender ( manufactured home ) requires it be on a permanent foundation ( which is not required during the initial purchase ), at a cost of appx. {$5000.00}. on XXXX XXXX and Social Security, it wo n't ever happen, my insurance for homeowners is over {$2000.00} a year that is quite impossible to afford. No wonder so many people loose their homes to these predatory companies. When XXXX foreclosed on me while I was XXXX, I thought there was no help, I was wrong. I hope the same applies here. Who knows how many people have been treated this way. Any help stopping Ditechs abuse will be appreciated.
06/02/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33311	Web
Property owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX Loan : XXXX ( XXXX XXXX ) Loan Holder : Ditech Financial LLC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Customer Service COMPLAINT Collections Dept XXXX XXXX Insurance Dept Final attempt on XX/XX/XXXX to contact Ditech regarding my mortgage account. Loan XXXX was purchased by Ditech. Original loan holder XXXX XXXX XXXX. I have experienced the worst ever management of my loan, from XX/XX/XXXX-2 XX/XX/XXXX Issues : 1 ) Force of insurance When insurance on the property was in place for 1 year date of purchase as stated in the closing and provided more then 6 times the declaration to Ditech by fax and call from agent at XXXX current insurance provider. XXXX Department was contacted with a complaint of stacking insurance by XXXX XXXX XXXX XXXX. Ditech states insurance was expired or canceled. Result : XXXX sent certificate of cancellation and no cost, monies will be funded. XXXX XXXX agreed it was an error. Ditech went unpunished. Time given to Ditech to contact the department of finance, reply back for me to contact Ditech direct to resolve the issue. while waiting correction and credit back to loan XXXX which did not happen as promised. My perfect pay history now shows force of insurance and default of payment. 2 ) Reports requested for XXXX property the end of XX/XX/XXXX around XX/XX/XXXX request was made. XX/XX/XXXX report arrived incomplete. 2nd report request which arrived in XX/XX/XXXX Annual Escrow Statement Arrived. Ditech was contacted with errors on escrow reports as to the monies that was received by Ditech from XXXX XXXX was not reported in the report given. Results : I XXXX contacted Ditech 's customer services dept asking a supervisor to contact me XXXX t XXXX. No contact made by Ditech. I called Ditech ask to speak with someone who can help me review my loan. Advised no one was available their in a meeting ask that someone contact me. Clear stating how many time I have place a call with no reply back. I contacted XXXX XXXX XXXX XXXX ( manger ) XXXX XXXX as her to review my loan and assist me with contacting Ditech. 2-way conference call was made with XXXX/XXXX and claimed supervisor for Ditech. File is being worked on. 1Week few days I contact XXXX XXXX again with the same complaint now Ditech sending different statements with lot of different amounts on them. I fax over the statements and request she find out on my behalf. I was contacted by XXXX XXXX that I have to authorize her to speak on my behalf. Call placed with both parties to Ditech. Speaking to supervisor ask if I make a payment as stated XXXX anything on completion of making the correction would be returned to me if I choose to. In stating the supervisor said that the file was being up dated and credits would be in place to the account. Where would I want the monies to be sent to me or applied to the account. I XXXX replied to payout any shortage and deposit remainder back in escrow account. Did Not Happen 3 ) XX/XX/XXXX Annual Escrow Account Statement arrived to residents dated : XX/XX/XXXX as before now payment changing. Which shows ( 3 ) options current Due date XX/XX/XXXX ( document dated XX/XX/XXXX ) principal & interest : XXXX Escrow : XXXX Escrow shortage : XXXX payment : XXXX Change of : XXXX option ( 1 ) XX/XX/XXXX XXXX XXXX Shortage XXXX Option ( 2 ) XX/XX/XXXX XXXX XXXX XXXX *Attached a shortage coupon in the amount of :XXXX by XX/XX/XXXX 4 ) FORCE INSURANCE dated XX/XX/XXXX the date to expire attached declaration. Shows the intent not to pay invoice for renewal. Rep stated monies was sent for renewal and XXXX did not except the payment. Find out to be untruthful. I XXXX XXXX have not changed the company am insured with remains the same from XX/XX/XXXX-XX/XX/XXXX currently. 5 ) Charge fee for not being late my loan agreement states XXXX of the month and later after the XXXX of the month. Ditech charges for the almost every payment which is placed on auto pay. Result : None. Rep never seem to know its the computer. If so why it's programmed in that manner? Reply : do not know your account will be update and will reflect the balance. Do not let Ditech or any other company rob 'first class. I currently have paid into this loan : XXXX CPA/Counsel/ XXXX have all verified. With a over pay my loan by thousands of dollars. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( not true ) XXXX XXXX XX/XX/XXXX XXXX TAX : HARZARD : INSURANCE : Total:XXXX TOTAL PAYMENT AMOUNT:XXXX INTREST : RATE : 4.75 Ditech asked to show the pay history of monies received and placed on hold and how monies was disbursed out. I was told the loan as +XXXX in the account with no explanation to account activities. XXXX was declared XX/XX/XXXX payments referred and Ditech reported the to credit bureau and charged additional fees to my loan as well. I am now aware of the fraud activities of Ditech, Green Tree, or any other names used. My last contact to Ditech was XX/XX/XXXX. being told the account -XXXX upon reviewing the file it was +XXXX I could pay XXXX for the next month payment. I would have to do another written request by fax. If I wanted more details. That she is limited to what sh can see was being assisted by her supervisor XXXX. I call because I received a collection letter after speaking with the dept the gentlemen XXXX # XXXX did not see why I would be calling collections. Dated : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ( No one in collections can verify a balance just transfer me to customer service. ( others attached ) All document to support all the issues. I'm seeking a professional handling and processing my loan correctly place my over pay into escrow account. Audit Ditech the red flag are riding 'high, everyone in the world can see. I intend to seek counsel if this is not resolved. Thousands of owner 's are dealing with scums like Ditech. Documents with Green Tree. I have no loan with Green Tree. Purchased the home XX/XX/XXXX have had 2 insurance claims plumping pipes/ XXXX on the property and a fraud acting loan holder. I will not rest until action is taken. Ditech has bankruptcy, false claims of debts, using other names during business, reporting information using credit bureau, harassment, force of insurance on insured properties, corruption. Misleading customer with customer service personal acting as agents or account specialist without license or skills to comply with state and federal laws, or answer customers. Truly ; XXXX XXXX XXXX XXXX
05/18/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OK 730XX	Web
In XXXX XXXX a request for validation of debt was sent by certified mail to Green Tree Servicing LLC/Ditech Financial LLC pay ment processing. Account # XXXX XXXX XXXX Here is a list of re cords wanting to review all the dates and the amounts of charges on the account. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made purs uant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : * Agreement with your client that grants you the authority to collect on this alleged debt. * Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. * Any insurance claims been made by any creditor regarding this account. * Any Judgments obtained by any creditor regarding this account. * Name and address of alleged creditor. * Name on file of alleged debtor. * Alleged account number. * Address on file for the alleged debtor. * Amount of alleged debt. * Date this alleged debt became payable. * Date of original charge off or delinquency. * Verification that this debt was assigned or sold to a collector. * Complete accounting of alleged debt. * Commission for debt collector if collection efforts are successful. * A true correct copy of th e original note NOT an altered copy of a copy of the original note.I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE ON THE Security Agreement NOTE * months when forced insurance was charged to the account. * Dates when the account was charged the {$12.00} for its pay-by-phone service, called XXXX . Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. End of letter 1. Green Tree Servicing LLC/Ditech Financial LLC has ignored a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. And have continued the collection process. 2. Green Tree lied of when received pa y ments, perjury in affidavit 3.GT lied about dates of payments received, perjury in affidavit 4. GT lied about having a true correct copy of the note, perjury in affidavit 5. GT lied about the amount of loan {$39000.00}, not {$38000.00}, 6. GT changed dates on payments due on the contract of the loan, 7. GT altered the contract on loan without consent, 8. GT add a signature to contract of loan without consent, 9.GT changed the " recourse '' on contract without consent. 10. GT lied about the amount own, fraud 11. GT lied to a housing loan organization to prevent loan modification, GT said the loan was for personal property, not real property. But I have filed homestead exemption, 16 years paid county taxes for real property. The manufactured home has concert footings, home is attached to the land, the home has porches, I also owned the land where the home is. 12. GT commits perjury in an affidavit.to court. 13. GT refuse to offer loan modification programs, 14. GT never stopped proceedin g in the collection during the process of qualification of a loan, or after receiving the debt of validation letter in XXXX , XXXX . GT did n't cooperate in providing a loan modification because of investors, then GT claims no to do loan modifications on manufactured homes. 1 6. GT h as placed forced insurance when an insurance policy already was existed on home, 17. GT used a 90-day default insurance policy on the balance of the loan, 18. GT used the " with recourse '' clause on the contract to force the seller to pay off the balance off the loan if buyer defaults, 19. GT marked in the " without recourse '' box without consent to force the buyer to pay off the balance off the loan. 20. GT changes contract from a foreclosure to repossession /replevin back to foreclosure, back to replevin. 21. GT required an extra charge to use speedway. 22 GT has n't provided records of the account 's activities, just hearsay evidence UCC 3-501 When a creditor must make the instrument due for inspection for the debtor, if the creditor fails to do so then the debtor owns nothing. Not a copy of the note, but the true original note. 23. The note has an assignee, and not endorsed in blank as GT claims. THE LEANDER IS REQUIRED BY LAW THROUGH THE FAIR DEBT PRACTICE ACT 15USC 1692 G THE 15USC 1692 PARAGRAPH G. UNDER THE UCC IS A DEMAND FOR PAYMENT BY U.S. DOLLARS. A DISPUTE BY A LETTER CLAIMING YOU DISPUTE THE DEBY. The debt collector is required to cease all collection till they can prove the debt. Green Tree is a debt collector as defined by the FDCPA and its collection activities are covered by the FDCPA. amount must be deleted and completely removed from Claimant credit file and a copy of such deletion. This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account DEBT VALIDATION LETTER TO GREEN TREE, OR DITECH. Failure to Timely Respond to Qualified Written Requests Section 6 ( e ) ( 1 ) of RESPA, 12 U.S.C. 2605 ( e ) ( 1 ), required servicers to provide a written response acknowledging receipt of a qualified written request from a consumer for information relating to the servicing of the loan within 20 days. Within 60 days of receipt of a qualified written request, Section 6 ( e ) ( 2 ) of RESPA, 12 U.S.C. 2605 ( e ) ( 2 ), required servicers to make corrections to a consumers account ( and notify the consumer of the correction ), conduct an investigation and tell the consumer the reason the account is not in error, or conduct an investigation and explain to the consumer why information requested is unavailable or can not be obtained. Fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
11/09/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 34952	Web
Ditech Financial LLC has mishandled my mortgage escrow account by not only paying the property taxes on the property for which they hold the mortgage but also paying taxes on another property that I do not own, in another state out of my escrow account. The taxes on this other property are more than the taxes on my actual property ( over {$5000.00} ). As a result, I have a significant escrow shortage which is causing my mortgage payment to increase dramatically effective XX/XX/2018. The increase in my monthly mortgage payment is more than my current escrow payment. Ditech has acknowledged the error and is working to resolve it but nonetheless, my mortgage payment will still be increased for up to 90 days, until they get the funds back that they mistakenly paid to the additional taxing authority. Once they get the funds back, they will re-analyze my account and will correct my mortgage payment. I am being told that this could take up to 90 days. I have been working diligently with Ditech for over a month now in order to resolve the issue before the mortgage payment increase takes effect, but with only 2 weeks left, I am not reassured by their efforts or answers. Essentially, I am being financially penalized in the form of an increased mortgage payment for their negligence in handling my funds. I have told Ditech that come XX/XX/XXXX, I will continue to pay my current mortgage amount until this matter is adequately resolved and they can give me an accurate disposition of my escrow account. Ditech has informed me that I am free to do that but any short payment of my mortgage beyond 30 days will be reported to the Credit Bureaus. I have never missed nor been late with a payment with Ditech. My account is otherwise in good standing. By my calculations, Ditech actually owes me a refund on my escrow forXX/XX/2018, not the other way around. I initially made Ditech aware of the issue on XX/XX/XXXX and they chose to sit on the issue for nearly a month before taking steps to resolve it. Timeline of events : XX/XX/2018 -- Received my escrow statement dated XX/XX/2018 via US mail and noticed the error. XX/XX/2018 -- I contacted Ditech Customer Service and spoke to XXXX. He informed me that the issue would be reported to their Tax Department. He gave me their phone number to follow up. XX/XX/2018 -- I spoke with XXXX in the Ditech Tax Department. She acknowledged the error and indicated that they would begin an investigation on the issue. XX/XX/2018 -- I checked my online account with Ditech and saw no change. I contacted the Tax Department again and spoke to XXXX. She indicated that the analysis had not yet been completed and that she was escalating to her Supervisor, Mr. XXXX XXXX. I asked to speak with him, but he was not available. XXXX informed me that I should call back after 5 business days to check on the status. XX/XX/2018 -- Online account now reflects new mortgage payment amount ( {$1000.00} more than my current payment ) due on XX/XX/XXXX. I spent over an hour on the phone being transferred around Ditech trying to resolve the matter. I spoke to a representative in the Tax Department ( I neglected to get a name this time ) and was informed that the analysis was completed on XX/XX/2018 and that they were attempting to get a refund from the taxing authority. In the meantime, she was happy to inform me that my mortgage payment would only increase by approximately {$600.00} per month instead of by over {$1000.00} per month until they got the funds back from the taxing authority. I told her that it was still unacceptable that my mortgage payment should be increased at all due to their error. She told me that the Tax Department has no control over my monthly payment and transferred me to a Customer Service supervisor -- XXXX. XXXX informed me that until the Tax Department released the money from my escrow they could not change my mortgage payment. I indicated to XXXX that I wish to continue to pay my current monthly payment until the issue was resolved and she told me I was free to do that, but I would be reported to the Credit Bureaus for any short-payment over 30 days. I was passed back to the Tax Department and spoke to XXXX. XXXX told me that until they got the funds back there was nothing they could do and that it could take up to 90 days for that to happen. Again, I was told that only Customer Service could influence and adjustment to my monthly payment. I was once again transferred back to XXXX and then spoke to her supervisor - XXXX. XXXX was somewhat more helpful in at least informing me that the transfer was initiated on XXXX and could take up to 90 days, but again indicated that there was nothing that they could do about my XXXX payment ( or thereafter ) until the funds were received. She told me to call back before making my XXXX mortgage payment to see if the matter had been resolved. While it is true that the taxes on the property I DO own have increased this year by {$1400.00} and I will happily accept an increased payment congruent to that increase once they can give me an accurate assessment of my escrow account, but I will not accept a > 100 % increase in escrow due to Ditech paying over {$5000.00} in taxes on a property that I don't own, in another state out of MY funds. I understand how escrow works. If this had been a matter of the taxes on the property that I DO own being under-estimated I would willingly accept it. But it is clear ( and acknowledged by Ditech ) that this is their error. For that, I should not be penalized. My fundamental complaint is 2 issues : 1. Ditech 's blatant negligence and mishandling of my escrow account 2. Unfairly penalizing me with a significantly increased monthly mortgage payment despite acknowledging their error. It is not my problem that they mishandled MY money and I should not need to wait for them to get the money back for this matter to be corrected. Ditech Financial LLC needs to correct their policy in the interest of consumer protection I intend to continue to pay my CURRENT monthly mortgage until this matter is resolved and I would like to understand how I can avoid the error made by Ditech negatively impacting my credit rating if it comes to that. Please don't hesitate to contact me if you need any more information on this matter.
10/26/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	VA 23464	Web	Servicemember
On XX/XX/18 at about XXXX I had called Ditech Financial LLC.. ( XXXX ) XXXX and a Mr. XXXX was helping me and I told him that I was verifying bank wiring information for the pay off of a loan. I stated that I had a pay off letter that I had received on the Ditech website under my online account and I would like to pay the balance on my loan. He was rattling off routing numbers for XXXX and gave me a different account number than the one that was on the pay off letter. I told him to e-mail me the new bank information under Ditech LLC letterhead and he stated to me that he could not do that and that he could only give it to me over the phone. I said I was not comfortable with that and he told me to hold on so that he could talk to his supervisor. Once he came back he said the information on the current pay letter was accurate and that they are going to a new account at XXXX real soon. I stated that I just wanted to make sure the money transfer would go smoothly. On Friday XX/XX/2018 at about XXXX. I called XXXX and made the money transfer to XXXX XXXX XXXX for Ditech Financial LLC.. The wire transfer was for {$19000.00}. At about XXXXXXXX XXXX I called Ditech Financial LLC at ( XXXX ) XXXX to talk with somebody to let them know of the pending wire transfer. The first lady I can't remember her name stated that I just transferred the money to the wrong account she stated that she would talk to her Supervisor to see what they could do. When she came back she stated that her Supervisor stated that I need to call the bank immediately to reverse the transfer and that they would give me the new bank and accounting numbers. She asked me why I did not call them first to verify this and I stated that I did the day before she asked me from who and I said I could not remember and she stated was it Mr. XXXX I said yes because that sounded familiar and she stated that he don't work in the pay off department so he should not have answered that question. She told me to hold on that she would look at the log to see what was said.. I stated that I don't know who works in what department nor do I know what new bank information for wire transfers all I know is what is published on their secure website. She stated to me there was nothing about verifying the bank transfer information in his log and I stated that was the whole reason I called I told her to me that was another red flag.. I also stated that this was a Ditech error and they needed to make the resolution because I did my due diligence as a consumer. After awhile her supervisor came on the phone her name was XXXX. I stated that all the cancellations will cost me money and time she gave me a fax number XXXX to fax her over all the extra invoices and they will reimburse me and I stated to her that a professional company would handle their mistakes. She said that she wanted to give me the new bank and account number do I have something to write with, I stated that I wanted an e-mail under Ditech letterhead before I redid the wire transfer. I told her that I didn't want to write it down in case I wrote or transposed a number she stated that she could not do e-mail to me and I stated all the other bank wiring information was public knowledge. She said well if you had something to write the numbers down and then I stated I do have something to write with and I can write the numbers down and that to me this is a red flag so please give me an e-mail under Ditech 's letterhead so that I can confirm the numbers she stated that she would do e-mail me the information so I gave her my e-mail information and we were talking a little bit and asked me if I received the e-mail I said that I did not.. I asked to confirm the right e-mail and she said it back to me correctly. She told me that it would take a little bit I agreed and hung up ... I then called XXXX to ask them what to do and they stated to me to ask Ditech if the account was closed because if it is it will come back automatically. If we do a cancelation request it will cost an additional {$15.00} and will take 10 business days to be credited back.. I stated that is not acceptable XXXX wanted me to call them back with the answer. I called Ditech at ( XXXX ) XXXX I did get a different person and I stated to her that I wanted to verify if the XXXX XXXX XXXXXXXX account for wire transfers was closed so that I could tell my financial institution what course of action we need to take.. She told me to hold on while she checked she came back about 30 seconds later and said no it was not closed and the wire transfer will work just fine and that XXXX XXXX XXXXXXXX will forward them the funds.. I said okay and hung up.. I was confused because I'm getting two different answers and the e-mail to send the new transfer never was sent to me as XXXX stated that she sent.. I felt that there was a scam or something was a miss I've never had a financial institution so unorganized and the left hand don't know what the right hand is doing. I went on line to get another number for Ditech to see if I get another different answer. I called ( XXXX ) XXXX I believe the person that answered was XXXX not to sure ... I asked her about the XXXX XXXX XXXX account and she stated that it was still active and that Ditech would receive the funding and that it would take 24 to 48 hours and I stated I understand that.. She stated that she verified this information with her supervisor that I should not worry. She got me account notifications set up for me e-mail and text and as soon as it hit 's the account I will know. I then stated that I wanted to lodge a complaint about the website having the wrong bank wiring information and to have that changed. Also, train the employees on what to do in these cases and keep the customer calm because I was freaking out I thought that I just lost {$19000.00}. I also stated that folks from other departments should not be answering other departments phones if they don't have the knowledge or experience as customers we don't know any of the inner working of Ditech. I felt like I had enough information and comfortable with the answers given and hung up.. I then felt like there was red flags that upper management needed to know about so I called the Consumer Financial complaint department ....
10/12/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 978XX	Web
Pursuant to 12 CFR 1024.35 I am informing Ditech Financial that our escrow account has a shortage of at least {$2600.00}. The reason for this shortage is that the Ditech tax department authorized payment to the INCORRECT XXXX County tax account in XXXX of XXXX, and has since paid OUR taxes, but continues to bill us for the shortage created by this error. Our tax account number is XXXX, Ditech Financial paid account number XXXX. The result of this mistake is that from XXXX of XXXX until XXXX of XXXX, we OVERPAID each month because our tax liability was {$2000.00} and the taxes for account that was paid was {$2600.00}. We are now being forced to pay into our escrow account for BOTH our taxes AND the {$2600.00} that was paid in error. On XXXX XXXX, XXXX we had an escrow balance of {$1900.00} and since that date we have paid an additional {$5400.00} for a total balance of {$7400.00}. Our ACTUAL escrow expenses ( PMI, Insurance, and Taxes ) during this time totaled - {$4800.00}. As of todays date our escrow balance should be {$2500.00}. But because Ditech has been unable to resolve this issue despite being made aware of it on XXXX XXXX, XXXX we are now being extorted. Forced to pay money we do not owe by threat of economic ruin if we refuse. In XXXX we were forced to pay {$1700.00} and this month we were forced to pay {$1500.00}. In XXXX and XXXX we were forced to pay {$1400.00}. Our ACTUAL mortgage payment should be right around {$1300.00}. We did not make the mistake, but we are being FORCED to pay because of it. Had our escrow been calculated correctly, using the correct tax lot, we should have had a monthly escrow payment just over {$400.00} ( exactly {$400.00} ). Therefore our mortgage payment for the past year should have been {$1300.00}. When our payment went up from {$1300.00} to {$1300.00} in XXXX of XXXX I called Ditech customer service. The gentleman I spoke with was able to show me that somehow our tax liability went from {$2000.00} to {$2600.00} ( I thought there must have been some massive bond that I missed on a local ballot ). I discovered the actual mistake in early XXXX of XXXX because we kept receiving a bill from the XXXX County Assessor 's Office. When I called Ditech Financial on XXXX XXXX, XXXX at XXXXXXXX PST I spoke with XXXX. XXXX transferred me to XXXX in the tax department who let me know that XXXX is the account that was paid. I informed her that our account was XXXX and she had me use XXXX to confirm this. On XXXX XXXX, XXXX XXXX County received the payment of {$2200.00} ( {$2000.00} plus late fees and interest ). I thought this would be the end, yet in XXXX we received a bill for {$1400.00}. I assured my wife that our mortgage payment would return to normal once the dust settled on this tax fiasco. When I received my XXXX XXXX bill of {$1700.00} on XXXX XXXX, XXXX I was furious! Now our recalculated bill was {$360.00} OVER what we should have been paying. This calculation included the deficit created by the {$2600.00} and a DOUBLE payment of the {$2000.00} amount as well as our PMI and insurance. I spoke with XXXX at XXXX on XXXX XXXX, XXXX. She promptly fixed the mistake of the DOUBLE charge of {$2000.00} charges and had our escrow recalculated. This action caused our payment to be at its current amount of {$1500.00}. I have now spent countless hours on the phone with the Ditech Financial customer service and tax department, speaking directly with employees at XXXX County Assessment & Taxation, contacting [ individual whose taxes were paid ] ( via XXXX XXXX, conversation documented ), researching legal remedies, and documenting this entire experience. AT NO TIME did anyone at Ditech Financial indicate that we had to make this request in writing. Numerous people told me it would be fixed. While searching for a remedy, I discovered that, until I notify Ditech Financial in writing, Ditech Financial can not be held legally responsible for correcting these errors, despite the several promises made over the telephone and an email claiming that this problem had been resolved ( reference # XXXX ). To correct this error I have done all the work! I found the mistake, I contacted the tax authority, I contacted the individual whose taxes were paid, I discovered that it was MY responsibility to notify Ditech Financial in writing. Through all of this Ditech has done virtually NOTHING! When I XXXX Ditech, the first page of results shows that, on XXXX, Ditech has a rating of 1.1 stars out of XXXX from XXXX reviews. This experience shows me the reason for this incredibly low rating. Fortunately, my wife and I have good credit and strong income, so we are not forced to keep Ditech as our mortgage company. I truly sympathize with people who lack the knowledge or resources to deal with the incompetent and/or criminal behavior of Ditech Financial. We had to use money from our savings to cover the XXXX XXXX payment. We will have to continue to use our savings because, despite many verbal promises, this error is NOT being fixed. When it is fixed we wont receive a check for the money that has been TAKEN! Our mortgage payment will simply go down, which means we wont see the entirety of OUR money from OUR savings for TWELVE MONTHS! I will be contacting Senator XXXX XXXX, Oregons senior senator, who is a strong advocate for Oregonians. I also plan to file a complaint with the Consumer Financial Protection Bureau. I know there are many people that lack the resources to combat the egregious INACTION taken by Ditech Financial that is placing upon us a tremendous financial burden ( several hundred dollars each month now! ) and if this happened to us, then it is probably happening to others as well. I sent a letter containing most of the information above using Certified Mail. It was accepted by Ditech on XXXX XXXX, XXXX despite the Code of Federal Regulations 1024.35 stating that Ditech must acknowledge IN WRITING within XXXX days that they have received my letter which is an official notice of error we have received NOTHING from Ditech . We are in the process of refinancing our home which will indirectly cost us tens of thousands of dollars. We are willing to lose this money so that we NEVER HAVE TO DO BUSINESS WITH DITECH AGAIN.
08/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92054	Web
I am requesting debt validation for a {$41000.00} charge off that is currently reported by Ditech to my credit report ( XXXX, XXXX and XXXX ) and associated with my property XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. I am also requesting that Ditech immediately discontinue attempts to update my credit report with the incorrect address XXXX XXXX XXXX, XXXX XXXX, CO XXXX and remove my ex-wife, XXXX XXXX, as a joint owner of this debt ( account XXXX ). Ditech is incorrectly reporting my ex-wife, XXXX XXXX, as a joint owner on this debt which is causing her information to erroneously appear on my XXXX/XXXX/XXXX credit reports. I have disputed this address numerous times with Ditech directly due to an identity theft case that has been reported and filed with the XXXX of XXXX, CA police ( attached ). I have also disputed this with XXXX, XXXX and XXXX but have failed to prevent Ditech from continuing to report the XXXX address, causing mail with personally identifying information ( Social Security Number ) to be directed to this address in error. Ditech has stated that they are the current owner of the {$41000.00} debt for account XXXX, purchased from XXXX XXXX XXXX XXXX/XXXX/XXXX. XXXX XXXX XXXX is the former lien holder/mortgage servicer of the 1st and 2nd mortgage to my property XXXX XXXX XXXX Place, XXXX XXXX, CO XXXX and is the only lien holder on record for this property. XXXX XXXX XXXX is a defunct unit of XXXX that forced many subprime loans to go into default, including the defaulted 2nd mortgage in question that has been purchased and reported to the ( 3 ) Credit Reporting Bureaus by Ditech ( formerly Green Tree ). XXXX successfully removed my ex-wife XXXX XXXX from her financial and legal obligation to repay either loan but failed to provide Ditech any documentation of the removal following the sale to Ditech on XXXX/XXXX/XXXX. XXXX XXXX XXXX has never reported the 2nd mortgage to my credit report nor my ex-wife 's credit report until the sale of the defaulted 2nd mortgage to Ditech on XXXX/XXXX/XXXX. Ditech began reporting to the credit bureaus against XXXX and I both in XXXX. XXXX XXXX is not on the title and 1st mortgage of XXXX XXXX XXXX XXXX. In fact, we have been divorced since XXXX and have not lived in the property together since XXXX. The reason the home went into default was because my ex-wife 's parents had a lease-to-own contract for XXXX XXXX XXXX XXXX and failed to pay the 2nd mortgage with XXXX per agreement. The contracted ended and I moved back into the property in XXXX XXXX. XXXX refused to let me do a loan modification and hardship to cure the deficiency on the 2nd mortgage as they stated I needed to be in default prior to approval of the loan modification. My last payment with XXXX was XXXX XXXX when I applied for the loan modification. I called to find out my status, which was declined, but never received anything in writing stating my ability to appeal the rejection within 30 days. I contacted XXXX numerous times to have the letters resent as they were never received as XXXX confirmed over the phone. The loan was forced into default.I never received any letters of acceleration, missed payment, or default from XXXX. I never received anything in the mail regarding the sale of my 2nd mortgage to Ditech until Ditech sent its first notice in XXXX to a MA address I was renting at. XXXX 's mortgage center in XXXX, FL was contacted on XXXX XXXX and XXXX XXXX XXXX regarding the loan serviced by Ditech. On XXXX XXXX, an agent for XXXX stated that notification letters regarding the rejected loan modification application, default and accelerated payment due to the default were mailed to XXXX XXXX XXXX XXXX. The agent proceeded to say that I was given " plenty of opportunity to work with XXXX on curing the deficiency '' because I had been granted a loan modification which allowed me to do so. This is false because a loan modification would require that I receive the necessary tax documents ( 1099 or 1098 form ) to file with the IRS for the XXXX tax year. On XXXX XXXX, the next agent I spoke with at XXXX regarding the loan could not see the loan modification documents or any documents related to the 2nd mortgage serviced by Ditech. The agent stated that Ditech is the owner of the defaulted 2nd mortgage purchased on XXXX/XXXX/XXXX, and that the letters I never received from XXXX regarding the default, declined loan modification, and acceleration were sent back to XXXX " Return to sender : not deliverable '' despite the address being correct ( XXXX XXXX XXXX XXXX, XXXX XXXX, Colorado XXXX ). The agent stated that Ditech purchased the loan and would have all the documents necessary to correct the credit reporting that Ditech is providing to XXXX/XXXX/XXXX against my credit report as well as my ex-wifes, XXXX XXXX. She recommended I follow up with Ditech as they would have all the documents to make my dispute. XXXXs negligence has caused irreversible damage to my credit report in their failure to provide Ditech with the appropriate documentation necessary for accurate credit reporting. As of XXXX XXXX, Ditech stated the only documentation they possess regarding XXXX is a loan application with my ex-wife XXXX XXXX name on it. A loan application is not enough to prove valid ownership of a loan. Ditech is unable to provide me with the documentation that would support XXXXs claims and provide me a resolution to correct the credit reporting against myself and my ex-wife XXXX XXXX. Ditechs inability to validate the debt due to lack of documentation destroys the property value of my home as XXXX can not remove a lien on a property that XXXX does not own. I can not sell or refinance my property as this issue clouds the clear title I would have to guarantee a new mortgagor or buyer of the property. Mail is being incorrectly forwarded to an address containing my social security number, which further compromises my financial integrity as a victim of identity theft. I demand that Ditech remove the debt from mine and XXXX XXXX credit reports entirely or remove XXXX so that my identity is no longer compromised by reporting the incorrect address.
06/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95991	Web	Older American, Servicemember
Our mortgage is serviced through Ditech Financial LLC. Loan # XXXX, XXXX XXXX XXXX XXXX. We purchased our home in XX/XX/XXXX and our mortgage was through XXXX. In XX/XX/XXXX XXXX sent our loan to be serviced through XXXX XXXX servicing which has since changed to Ditech. When we took out our loan with XXXX I asked if this was a simple interest loan. I was told yes, however I can not find anything in the documents stating the Interest type. I : also asked if I could make monthly payments over the required amount due and if the overpayment would be posted to the principal on my loan. I was assured that any overpayments go to the principal thus bringing the balance down more quickly and saving on interest paid. I do have a document from XXXX that explains that any overpayment is posted to the principal also. My loan payment was originally {$1200.00} a month. Over the years each month my loan payment has decreased {$4.00} each month. In XX/XX/XXXX my statement dated XX/XX/XXXX shows my payment {$1000.00}. I have been paying {$1200.00} each month since prior to XX/XX/XXXX. In XX/XX/XXXX I changed my homeowners insurance to Ditech which would be included in my monthly payment. My XX/XX/XXXX statement for some reason has my interest due increased from $ XXXXin XX/XX/XXXX to {$500.00} in XXXX thus resulting in the payment increase to {$1100.00} plus insurance {$82.00} totaling {$1200.00}. The XX/XX/XXXX. payment should have been {$1000.00} plus insurance {$82.00} totaling {$1100.00}. I called Ditech inquiring as to the increase from {$1000.00} up to {$1100.00}. I was told it was always this way. I spoke with 4 individuals and none could explain the reason for the increase in my interest. The XX/XX/XXXX. statement showed the Insurance 3 year premium on the statement as charges. I asked if this increase in interest due was because of the insurance premium being added to my loan. They assured me they could not do this due to laws. I still think this is why the interest due was higher. XX/XX/XXXX statement also showed another increase in the interest due of {$580.00} and my payment going to {$1200.00} plus insurance {$86.00} total payment due {$1300.00}. Once again I called questioning this and no one could explain it. XX/XX/XXXX again the interest increased to {$590.00} with an increase in the payment due. All of this brought me to pull out all my statements from the past. With this I realized that since XX/XX/XXXX I have paid more than what was due and no overpayments have ever been posted to the principal. I wrote Ditech a message regarding this and asked them to go back and correct all my payments. I received a notice back saying that they would only correct payments for the past 6 months. When I received the paperwork showing their corrections for the past six months, XX/XX/XXXX through XX/XX/XXXX. It was all hosed up. They backed the payments out and reposted each payment as {$1200.00} due with the overpayment of {$4.00} to principal. Here is what they did : XX/XX/XXXX pmt. reversal {$1200.00}, XX/XX/XXXX Principal pmt. {$4.00}, XX/XX/XXXX payment {$1200.00}. The payment due on the statement was XX/XX/XXXX amount due {$1000.00}. XX/XX/XXXX payment {$1200.00}, XX/XX/XXXX Pmt. Reversal {$1200.00}, XX/XX/XXXX Princ. pmt. {$4.00} the XX/XX/XXXX statement payment was {$1000.00} not {$1200.00}. XX/XX/XXXX Princ. pmt. {$4.00}, XX/XX/XXXX Pmt. {$1200.00}, XX/XX/XXXX Pmt. reversal {$1200.00}, This payment should have been {$1000.00} plus {$82.00} insurance totaling {$1100.00} not {$1200.00} as on the XX/XX/XXXX statement nor the {$1200.00}. XX/XX/XXXX Principal Pmt. {$4.00}, XX/XX/XXXX Payment {$1200.00}, XX/XX/XXXX Pmt. reversal {$1200.00}, this payment should have been {$1000.00} plus {$86.00} totaling {$1100.00} not {$1300.00} as on the XX/XX/XXXX statement not the {$1200.00}. XX/XX/XXXX pmt. reversal {$1300.00}, XX/XX/XXXX payment {$1200.00}, XX/XX/XXXX Princ. pmt. {$74.00}. The XX/XX/XXXX statement payment was {$1300.00} and should have been {$1000.00} plus {$86.00} totaling {$1100.00} not {$1300.00} or {$1200.00}. The amount to principal should have been {$190.00} not {$74.00}! After this month and all this mess, I cancelled my insurance on XX/XX/XXXX. and have gone back with my original carrier. The XX/XX/XXXX statement dated XX/XX/XXXX shows in the Explanation of amount due block, Princ. due {$78.00}, Interest due {$0.00}, insurance due {$86.00}, total due {$160.00}. On the lower portion showing payments made it shows : XX/XX/XXXX Pmt. reversal {$1300.00}, XX/XX/XXXX pmt received -Thank You {$1300.00}. XX/XX/XXXX payment {$1200.00}, XX/XX/XXXX princ. pmt. {$74.00}. The actual payment due should have been {$1000.00} with no insurance as it had been cancelled XX/XX/XXXX. This is just the most recent errors I have found. When I made 2 payments of {$1200.00} each in XX/XX/XXXX one was posted with the principal amount due and the remainder to the interest and the next days payment was broken down with a principal pmt and the remainder to interest. It should have taken approx. {$24.00} for one days interest and all the rest should have paid to principal. I have gone through my statements from XX/XX/XXXX through XX/XX/XXXX and my balance should be less than {$77000.00} they are showing {$82000.00}. In addition, if they had posted the overpayments to principal, the interest due the following month would have been less than what they charged due to the lower principal balance each month. They refuse to make these corrections and will keep all the extra interest they have collected. THIS IS TOTALLY UNACCEPTABLE!!! If they have done this to me how many other mortgagees are they doing this to. They are padding their pocket and that is illegal. Could you please help me get this resolved. My husband and I are on limited income and in our XXXX XXXX We can not afford to give this money away. PLEASE HELP!! Sincerely, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX XXXX I do have copies of statements, if I can get your address I would be happy to submit them to you along with whatever histories I can get from them.
09/07/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 207XX	Web
Complaint against Greentree now known as Ditech Greentree took over our home loan on XXXX XXXX 2013 Here is the reason I am writing : Greentree called repeatedly at least 4 to 6 times daily on both my husbands cell phone and my own cell phone. The worst of it was not that they called, but when you answered and spoke with them, they did nothing but be little, harass and bully you. It was hard for me to understand why it became such a " personal attack '' rather than a business call. Many times I would be passed through at least 3 - 4 people during the same call and each would put their own spin of harassment on it with calls lasting up to an hour or more. I would be utterly exhausted when it was over. I was told I had 3 hours to get my payment into them, do whatever I had to do, call people, a bank whatever, but if I did not have the full payment within 3 hours, I would be foreclosed upon. I was terrified. I was told " It was coming across the desk the next day and they ( the person speaking ) was going to recommend it be foreclosed upon. '' I was asked if I wanted a short sale or if I would give them a deed of trust. It was so intense that I would get off the phone and hardly be able to function. This happened many times and to my husband as well and I have no doubt this played a part in contributing to his health issues. We were scared to death. Imagine losing your home, the only thing you have. If you could hear the recorded conversations that took place, you would understand what it was like to be badgered and berated. I was not trying to avoid paying. I had no intention of not trying to pay. It was horrible. I actually had a Greentree representative yell at me over the phone in a real display of anger, at which time, I actually asked them, " why are you yelling at me. '' I finally had to refuse to take their calls as it was affecting my health and emotional well being. As I began ( after seeking counsel, to realize the statements they were making were false and misleading and designed to make me give up my home. I was not being told the truth. False and misleading information. I was told over the phone when making a payment, that Greentree would not accept my payment unless I also gave them 2 post dated checks. Greentree did not apply my payments. I was told in a conference call with XXXX XXXX XXXX XXXX ( XXXX ) representative that the reason Greentree was not applying my payments was because I was several dollars short ( even though, I paid the monthly statement amount ) and that I was not to worry because Greentree was offering me a trial modification. All of this is documented in my emails with XXXX. I was advised to make a complaint with the state of Maryland as to why my payments were not applied, which I did, and Greentree responded to the inquiry by the state as if I were in a trial modification and they were simply following the prescribed rules governing modifications. However, I never once, requested, applied for or signed any documents with regards to obtaining a trial modification. Frankly based on all that had taken place, I was afraid to sign anything with them. I read the paperwork they sent to me and it was filled with loop holes and misleading statements. In my opinion, it was written to confuse and deceive the homeowner into thinking they were " approved ''. I would not sign. I did not trust them. Bottom line. This is also attached. Greentree Monthly billing statements were completely confusing to follow and understand. They way they set it up and changed it around made it virtually impossible to follow. Everything they did was done in a calulated method to promote foreclosure. I have also attached copies of these statements as well as a list of the payments I made. For the consumer, this is very difficult to follow and understand. My atty, XXXX XXXX requested a spread sheet of all payments which is nearly impossible to figure out and reconcile. Greentree took my payments and paid my house insurance and taxes ( which I normally paid directly ) which in turn took the money that I sent for the monthly loan payment causing me to fall further behind. Of course I did n't know this until I started investigating. They also changed my payment amounts accordingly. I qualified for reduced taxes based on my income in the State of Maryland, but they took taxes for the amount billed prior to my tax reduction. It was several thousand dollars in difference. My privacy was breached. A Greentree representative called my brother in law, my daughter and my church to ask questions about me. My church has helped us with a payment and because of that Greentree had their information. They had a representative named XXXX, who actually called and asked my church if they were doing a fund raiser for me, trying to get more money. I had no idea and had not given any consent for any of these calls. I wonder to this day, if others were contacted. I found out about these when these people called to question what was going on. There would be numerous people taking pictures of our home, bringing letters to our home etc. It never ended. I understand that we were late, it was a difficult situation we faced. My husband and I both worked for a non profit and lost our jobs due to the economy at the time. He was not well which complicated matters. I 'm certain based on my experience, this was not a isolated case, but rather the norm for Greentree. It was not until I had to spend money that could have been used toward my mortgage that some of the harassment settled down. I want be be compensated for the emotion abuse as well as been given false information in the behalf of Greentree that could have caused me to lose my home and become homeless. Ditech is now the name of the Greentree and was who I paid off when I sold my home. However, if they in any way do business in this manner, they need to be shut down. It 's taken me a while to be able to address this, it brings back so much stress. Respectfully, XXXX XXXX XXXX New Address XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX
08/20/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30082	Web
I 've reported this company a dozen times for 80 different problems they 've caused with my mortgage. Let me preface this by stating that I understand the CFPB does n't care and will not end up helping me. One of the problems I reported was the unlawful conversion of payments that I made and that 's the most egregious thing any company can do. The CFPB did absolutely nothing. The CFPB does n't even care that this company has intentionally lied and misrepresented facts to the CFPB itself, so I know my issue is of no consequence. But this particular issue is related to the last issue I reported when they negligently ( my opinion is that their actions are really intentional, but I 'll say negligently for the sake of simplicity ) handled a request for 'assistance ' by failing to communicate to me that they felt they needed additional information ( they did n't ; I had provided every single piece of information and documentation they requested in the application instructions ). They subsequently used that 'additional information ' as an excuse to deny the assistance. Let me further point out that I am not behind in my payments ; my mortgage company has used their own negligence as a reason to assess servicing abuses against my account so it appears to be in arrears. In reality I believe I have made every payment in full and on time and have provided proof to the mortgage company of that several times. Again, I am using the term 'negligence ' for simplicity ; my opinion is really that they intentionally make these 'mistakes ' then refuse to fix them so that they can charge their customers additional fees that are not actually owed. Subsequent to my last complaint ( that was never resolved ) my mortgage company offered me a modification to my loan unrelated to the application they botched. Although that offer required me to take the hit for over {$10000.00} plus approximately 9 years of compounded interest to compensate them for their incompetence ( I believe intentional acts designed to bilk me out of as much money as possible ), I accepted that offer and returned my signed and notarized acceptance by the required deadline, sometime around the beginning of XXXX. I accepted the offer in an attempt to mitigate my losses and preserve the hundreds of thousands of dollars I have already sunk into home. It was by no means a settlement or an agreement that they did not owe me or did not have to compensate me for the severe and prolonged injury and damage they have caused me over the last nine ( 9 ) years. I immediately began making payments under the newly refinanced terms ; those began on XXXX XXXX, as required by the documentation. I have now made eight ( 8 ) payments on the newly refinanced loan. I have never begun to receive new statements based on that refinance. After the second or third payment I began to get concerned ; I know how they are ; negligent, at best, but my opinion is that they intentionally lie to their customers and mess with their customers to steal money. So I made a note on the statement I sent in with my payment that this was NOT my loan, that it had been refinanced as of XXXX and they needed to get me a proper statement. A couple of months later I received a letter dated XXXX XXXX, 2017 indicating that they had not accepted my paperwork as I had made a statement in it to indicate that no PMI would be charged. I did make such a note. As I stated before, I know how devious they are. There was no PMI included in the monthly payment amount they quoted in the agreements so I was not going to agree to a payment amount that would increase as soon as I was contractually bound. PMI is something that I would expect to be told of prior to any agreement, so this really should not be a big deal. I will state that I have been burned by this company with regard to PMI. They have been raping me for the entire length of my loan with exorbitant amounts of PMI that are not required. However, because they immediately messed up my account and subsequently refused to fix the problems they caused, it appears that my payments are in arrears and they used that as an excuse to refuse to stop the PMI payments. I will not allow them to cheat me in this way any further. At this point, I do n't feel they have the right to deny that my loan was modified. This is crazy. This company has never properly communicated with me. They especially refuse to communicate with me about their mistakes but they apparently are n't able to communicate about daily business items, either. This modification is exactly the same issue I had with them on my last complaint ; they did n't communicate with me. That is the issue with every problem they have ever caused. They refused to communicate about anything so that they do n't have to deal with the problems they cause in their customer 's accounts. If they do n't have a form letter they can send, they just do n't communicate at all. Even when they send a form letter, it does n't really communicate anything or resolve any issues ; it just allows them to check a regulatory box so they feel like they are n't lying when the say they have dealt with their customer issues. I now have to spend hours and hours of my time dealing with this issue that they have caused. It will probably never be resolved and account is now even more screwed up than it was before, which to me is absolutely inconceivable, because it was messed up beyond comprehension before. I will reiterate that I know the CFPB does n't care. Stealing money from customers is apparently ok with the CFPB so this issue will certainly be nothing to you, either. However, I am still at risk of losing my house even though I have never missed a payment or made a payment late and I know that they will not attend to this issue caused on my account or any other issue from the life of the loan. I understand this is falling on totally deaf ears but, PLEASE, FOR THE LOVE OF XXXX, HELP ME!!! This company should not be allowed to do business with consumers. They are horrible. Please put them out of business.
09/18/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 245XX	Web
My mortgage is with Ditech in my husband 's name. My mortgage was included in our chapter XXXX bankruptcy which was filed in XXXX XXXX. I have made a payment on time every month since we filed for bankruptcy. The problem started with Ditech in the fall of XXXX. I called the bank to check on getting my PMI insurance cancelled because we were at the point in time in our original loan agreement that is was supposed to automatically cancel. I called Ditech and after tons of phone calls and going back and forth with them they finally got it cancelled in XXXX of XXXX and we were even sent a refund for the amount they had been collecting past the date of the time they were supposed to automatically cancel. I then asked them what my new payment would be since they did not have to collect the PMI insurance anymore. After many more phone calls I was told on XXXX by a supervisor that a test analysis was being done to determine what my new payment would be and to call back for the results. I spoke with a supervisor on XXXX/XXXX/XXXX at XXXX and was told my new payment was going to be {$1100.00} XXXX it had been {$1200.00} XXXX. Starting XXXX XXXX XXXX I started making a payment of an even {$1200.00}. Our bankruptcy was XXXX in XXXX XXXX so I called back Ditech in XXXX to ask them to transfer my account out of the bankruptcy department and into a regular Ditech account since I was so longer in bankruptcy and I did not receive statements since I was still listed in the bankruptcy department. In order to be transferred out I was told my account had to be paid up to date and in good standing so the same supervisor said an audit had to be done on my account to be sure. After many calls again on XXXX I was told by this same supervisor that a audit and system adjustment had shown that I was actually ahead XXXX full payment from the XXXX XXXX payment and that I could skip my XXXX payment since I was ahead. I skipped the payment and nobody ever said anything about it again. I proceeded to call them periodically over the end of the year and again on a regular basis in XXXX because I never received any statements from them showing my payments or escrow information because they still had me listed in the bankruptcy department. I called over and over and was told they were going to " escalate '' this and get it to a supervisor to remove the bankruptcy codes so it would transfer to a regular Ditech account. In XXXX XXXX I got a letter from Ditech dated XXXX/XXXX/XXXX stating a review of my escrow account showed that I had a surplus of {$1000.00} in my escrow and because of that my " new payment '' would be changing from {$1200.00} to {$1200.00}. I did n't understand this because I had been told on XXXX/XXXX/XXXX that my new payment was {$1100.00}. I called them and I have been dealing with this nightmare ever since. I was still trying to get them to get my account out of the bankruptcy department and now I am calling them asking them why do I have a surplus in escrow and why does this say my new payment is more that what they told me my payment was on XXXX/XXXX/XXXX. I went back and forth with them for XXXX and a half months and every time I called they kept telling my they were waiting on Ditech XXXX this was the XXXX XXXX XXXX to respond about the incorrect payment and getting out of the BK dept. I was finally told by a representative that I could issue a " formal complaint '' and that would hopefully get a response from Ditech. FINALLY when I called on XXXX/XXXX/XXXX they said it had been transferred out of the XXXX XXXX and into Ditech. On XXXX/XXXX/XXXX I got a call that I was behind on my mortgage payment by {$620.00}. I have since been calling and calling and have talked to numerous people ( you have to start over from scratch every time you call XXXX. I issued another formal complaint and got a ticket # XXXX and was told a supervisor at XXXX is working on this. I have tried to call her over and over, her mailbox is full and she never answers. They are able to see in their system that I was told my new payment would be {$1100.00} but nobody seems to know why it was n't officially changed to that on XXXX when I was told. I have been told " that was just a test analysis '' even thought I was told that was what my new payment was definitely and today I was told it was n't changed because the escrow department was waiting on my " approval '' which is a joke! I keep getting the run around and I talked to another supervisor at XXXX and she promised to work on my account and call me back. They have never once called me to follow up. So right now they are still saying that I am behind {$620.00} even though my statement dated XXXX says I am behind {$1200.00}. They continue to tell me they are working on it but they are only trying to get it " fixed '' as of right now. I am adamant they they go back and adjust my payment amount to the {$1100.00} as of XXXX/XXXX/XXXX like they told me! And why would n't they, my PMI insurance was cancelled and it should of changed my payment. How can they justify cancelling my PMI insurance but continuing to collect the same payment for another year and a half??? I was also told today that I did not start showing that I was behind in my payment until XXXX because since I had started making the {$1200.00} payment last XXXX they were advancing me the difference???? I am told something different and new every time I call and I cant get the supervisor back on the phone or to call me back who said she would help me and call me back. I am very worried as to what this will do to my husbands credit since the loan is in his name ( I have written permission to speak to Ditech about this account ) and we want to refinance in XXXX and they need to go back and fix my payment as of XXXX/XXXX/XXXX like they told me and not just change it as of now which will still show on our credit and payment history that we were behind. Please help!!!!!
08/05/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	LA 70808	Web
I recently sold my home in XXXX XXXX, La XXXX my current mortgage company is /was Ditech financial ( aka : Greentree according to a representative at Ditech ) they just changed names because of the bad business. My mortgage has been sold several times over the years, but the only companies I ever had problems with were Greentree, Ditech and the new mortgage company that I was recently sold to in the process of me selling my home, XXXX XXXX XXXX. I closed on my home on XX/XX/XXXXthe title company XXXX XXXX did the closing. I signed all the necessary paperwork to get the final payoff and to seal the deal, I kept in contact with Ditech thru this process and was notified via mail that my mortgage was being transferred to another company and was going to be transferred on XX/XX/XXXX. On the night before closing (XX/XX/XXXX ) Ditech would not confirm the payoff amount to XXXX XXXX, and they state they received the payoff amount for up to XX/XX/XXXX in writing from Ditech, but they could not receive confirmation on it the day before. I called Ditech right after I received the call from the title company requesting the payoff confirmation and I received an amount less than the amount given to the title company. The payoff given to the title company was XXXX, my quote from Ditech was almost 300 less. The title company is now holding XXXX of my funds incase there is a discrepancy and almost a month later they will not release my funds because they do not have anything on paper saying this mortgage was paid in full. Ditech is saying that the account no longer belongs to them, it was paid off before the transfer to the new mortgage company was to take place, and XXXX XXXX are saying that I own them another XXXX as of today ( XX/XX/XXXX according to lawyer XXXX at the title company ) and they have not received the funds as of Friday XX/XX/XXXX. I have called both mortgage companies Ditech and XXXX XXXX XXXX and no one will confirm or deny that they have received the payoff amount to me but Ditech has confirmed to XXXX XXXX that they have received it, however neither company will put it on paper that this has been paid in full. When I spoke to XXXX XXXX XXXX last Friday they also stated I have 2 accounts with them, and to contact another financial group, XXXX XXXX XXXX, when I was transferred to the next person I was told there is one account and the other is marked sold?? The XXXX XXXX ( XXXX ) said that Ditech has received it and that it was not posted to my account untilXX/XX/XXXX. However Ditech received the funds but they keep referring XXXX XXXX to the new mortgage company XXXX XXXX XXXX. I was unable to access my online account with Ditech, it just stated this account has been closed. I also have recently received a monthly statement from Ditech saying I own a payment for XXXX, and past months of mortgage to the tune of over 8,000 dollars and one from XXXX XXXX XXXX as to where to send the funds for my monthly statements. The Lawyer ( XXXX ) at XXXX XXXX stated that the companies ( not sure which company ) said I was behind 8 months on my payments, this is so not correct. Yes I have been behind but not like that. Ditech has held over 1,000 of my payments in unapplied funds. I have requested a payment history statement from Ditech several times and I never received it. They also put a do not call on my account, I never requested that. My credit is continually being reported as negative. As of now my credit report states I still owe this mortgage and is being reported as negative .Next month I will not be surprised to see that I owe 2 mortgages. The lawyer ( XXXX ) at XXXX XXXX actually suggested that I seek counsel on this matter,. I paid towards this closing and I really want this resolved. Should XXXX XXXX help handle this in more of a timely manner and not leave it on me to seek counsel as they have suggested I do? I should have filed complaint a long time ago against Ditech, I have paid my pass due with this company two times and it has never reflected on my statements. My statement for XX/XX/XXXX shows principal balance of XXXX with an unapplied fund balance XXXX. My statement for XX/XX/XXXXshows principal balance of XXXX and unapplied funds of XXXX and that I still own them over 8,000 in pass due amounts? That looks like they received my payoff plus some, but they will not apply it and neither one of these statements show that payment was received ... I do not know what else to do, I need this resolved and no one seems to have an answer, seeking counsel is an option, but I do not have those kinds of funds to pursue 2 major mortgage companies. I have all of my paperwork from the day I bought the house in XX/XX/XXXX, and never had problems with mortgage until Greentree/ Ditech and this new company XXXX XXXX XXXX . Not only do I need to be clear of this but the new owner to the home needs this title cleared. I do not understand how a paid off mortgage can be sold to another company, is this fraud? And how can a title company close on a property if all of the paper work is no in line? XXXX XXXX XXXX is now saying that Ditech gave them the wrong payoff amount and that I owe them another XXXX dollars and XXXX XXXX is ready to give it to them, how is that possible? I should not have to pay a second mortgage company that should not even be involved. And if my mortgage had been transferred prior then Ditech should have referred the title company to the new mortgage company? I have kept Ditech aware of every step of my selling process since the day I decided to sell in XX/XX/XXXX, now they are saying my account was turned over to an attorney for foreclosure, I was never notified of this, as a matter of fact I was told that since I was selling that this would not happen if I continued to make payments, which I did. They still gave a pay off amount and now no one will confirm and put it on paper that this property has been PAID IN FULL.
09/24/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA XXXXX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Ga XXXX On XX/XX/XXXX XXXX XXXX XXXX, had responded on the behalf of Ditech, LLC ( servicer ) & XXXX XXXX ( investor ) in regards to XXXX XXXX XXXX XXXX compliant against the decision of her loan modification. Yes, XXXX XXXX is aware that the decision of the loan modification was based on the guidelines of XXXX XXXX loan modification program. However, XXXX XXXX & XXXX XXXX wanted to know why, XXXX XXXX XXXX, was made to complete the loan modification twice, and both Ditech LLC & XXXX knew that XXXX XXXX mortgage was not delinquent. XXXX XXXX has spoken to several representatives at Ditech LLC, the account representative XXXX XXXX, XXXX XXXX, and XXXX with XXXX XXXX, and none of those individuals had advised, XXXX XXXX or XXXX XXXX, that the mortgage does not meet the qualification of the loan modification program. As matter of fact, XXXX XXXX was required twice to answers questions to see if the account met the qualification of the loan modification program, and each time representative was advised that, XXXX XXXX is barely making the mortgage payments based on her SSXXXX income of {$800.00}. Once again, nobody informed them that the account had to be 60 days delinquent or death or divorce or XXXX. XXXX XXXX stated, Pursuant to the investors modification guidelines, a loan applicant must show imminent default if the loan is not more than sixty days past due. Imminent default is considered one of the following events : XXXX Divorce XXXX Ditechs records reflect that we received a completed loss mitigation application from XXXX XXXX onXX/XX/XXXX. XXXX XXXX loan was reviewed for a modification and the enclosed modification denial letter was sent onXX/XX/XXXX, as the loan is current and XXXX XXXX did not provide any evidence of imminent default. If XXXX XXXX was advised of these requirements before completing all the required documents twice, XXXX XXXX caused have requested for another form of assistance ; however, XXXX XXXX was not advised & that is not just. Furthermore, XXXX XXXX stated, XXXX XXXX is able to appeal the decision if she believes the determination was made in error.Once a complaint was submitted to the Consumer Finance on, XX/XX/XXXX, that was XXXX XXXX filing appeal against the decision that was made that was not brought to her attention prior to completing those documents. In addition, XXXX XXXX stated, We are committed to working with XXXX XXXX on her loss mitigation needs. Please have XXXX XXXX contact Ditech at XXXX with additional questions or concerns.However, XXXX XXXX did call on, XX/XX/XXXX, and the representative advised XXXX XXXX to sell XXXX XXXX home since she can not afford to keep the house. Therefore, Ditech LLC was not committed on working with XXXX XXXX, and no additional options were provided on the committed on working with XXXX XXXX when the letter from Ditech LLC was sent onXX/XX/XXXX Finally, why were the documents made to be completed & individuals were aware the account was not delinquent. Therefore, this is not just & is wrong on the behalf of Ditech LLC & XXXX XXXX who are committed to working with XXXX XXXX. Thanks XXXX XXXX XXXX is the letter sent to Consumer Finance on XX/XX/XXXX. XX/XX/XXXX The purpose of this letter is to file a complaint against Ditech LLC ( servicer ) & XXXX XXXX ( investor ). Around XXXX orXX/XX/XXXX, XXXX XXXX had contacted Ditech ( servicer ) for some assistance on the mortgage payments. XXXX XXXX advised the representative the mortgage payments are almost amount received for her SSI. Thus, XXXX XXXX is experiencing financial hardship due increase of expenses around the house. The representative confirmed that Ditech can aid with this request, but XXXX XXXX is required answer a few questions to see if qualified to receive some forms from XXXX XXXX to aid with her request of a manageable mortgage payment. I, XXXX XXXX, am XXXX XXXX son, and I assisted my mother with answering those questions & filling out the forms ; however, XXXX XXXX or I was not advised the main requirement required to be approve for assistance from Ditech & XXXX XXXX. XXXX XXXX & I was never advised by all the representatives & supervisors from Ditech, letters from Ditech, missing documents from Ditech & XXXX w/ XXXX XXXX XXXX Ditchs response from the file compliant, XXXX 15 days investigating against Ditech , emails from XXXX XXXX and phone calls with XXXX that we were advised that XXXX XXXX mortgage payments must be 60 to 90 days delinquent before providing any assistance. Therefore, our thought process is why send the forms for assistance twice, why tell us what documents were missing, why send all the required documents & forms for assistance, and why do a 15 days investigation if Ditech & XXXX w/ XXXX XXXX both knew XXXX XXXX mortgage payments were not delinquent & the account would not be approved because of this reason. When XXXX XXXX called Ditech on XX/XX/XXXX to see why, and a representative stated it was XXXX XXXX who made the decision & that maybe my mother should sell her home if she could not afford her home. However, XXXX w/ XXXX XXXX stated it was Ditech who made the decision, and it was nothing XXXX XXXX could do as an investor. Then XXXX XXXX refused to provide XXXX XXXX with a supervisor, that all supervisors have a set schedule, the supervisors do not wait after XXXX to speak with consumers, and stated did advised XXXX XXXX of the 60 90 days delinquent. Thus, I reviewed all letters, documents, & emails very careful before writing this letter, and it was nothing said about the 60 90 days delinquent requirements. Now, XXXX XXXX mortgage payments are going to be {$860.00} w/ a SSI income of {$800.00}. All the letters & documents stated some kind of assistance would be provided ; however, we only got a rejected letter. Thanks XXXX XXXX
08/24/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
Im writing again to see if CFPB can resolve this matter for once and all At this stage Ditech has ruined my credit with untruth late payments offences in my credit score, in which there were no reasons what so ever to ignite these actions based on the following story All started in XX/XX/XXXX when the Ditech Financial LLC sent me a bill charging a new hazard insurance, which was too costly in comparison with the market. It took me several months to demonstrate that I sent my coverage back in XX/XX/XXXX. By XX/XX/XXXX they realized it was a mistake in their part, but they harassed me for all this period, and also they sent my account to debt collector and a foreclosure agency, in which they did it again in XX/XX/XXXX In XX/XX/XXXX my mortgage payment changed from {$620.00} and to {$640.00}. I did not receive a letter on time to schedule the XX/XX/XXXX payment, but I did change the amount in XX/XX/XXXX, so the only shortage I had was {$17.00} to complete the XX/XX/XXXX payment. This is the only mistake I made. I contacted them to pay the {$17.00}, but they told me it was fine, after three or four call conversations with their CSR. Then, in XXXX Ditech Financial LLC started again to send me a bill charging an amount that was way over the {$17.00} without any explanation and the harassment started all over again with Foreclosure letters. My last two conversations with them were a temporary closure as their CSR told me that everything was fine. Nevertheless, the harassment did not stop there ; they start again in XX/XX/XXXX to send my letter with a different amount and then the Foreclosure letter started again. Since they do not have an office in Florida it has been a loose cause and I was actually fed up with this matter. FYI, I have been unemployed since XX/XX/XXXX and I already had one property that went through a foreclosure process and the unit is gone. I have been trying to cope with this mortgage against all odds, but their behavior has been extremely irresponsible I have been paying this mortgage since XXXX without any complains, until Ditech Financial LLC took over the servicing of my loan A year ago, in XX/XX/XXXX, Ditech replied the following statement : We are in receipt of the complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the servicing of your loan by Ditech Financial LLC ( Ditech ) and the delay in cancelling the lender placed hazard insurance policy. Ditech takes your complaint seriously and appreciates this opportunity to respond. Ditech regrets that you feel you have been mistreated in any way during the servicing of your loan account. Ditechs mission is to provide exceptional levels of service and it is Ditechs policy to treat every customer with respect. Pursuant to your request Ditech has confirmed that a do not call has been placed on the account. Ditech records reflect that the lender placed insurance policy on the loan account was cancelled retroactively to XX/XX/XXXX. Due to an inadvertent error, the escrow account and payments due on the loan account were not adjusted accordingly. Your concerns regarding your loan account have been escalated to upper management. The payments made to the loan account will be reallocated and the escrow account will be corrected. Any late fees will be waived and any negative information that has reported to the Credit Bureau Reporting agencies will be updated. Please allow additional time for corrections to reflect on the loan account. Ditech sincerely apologizes for any inconvenience this has caused. If you have any additional questions regarding the account, please contact Ditech Customer Service at ( XXXX ) XXXX, Monday Friday XXXXXXXX XXXX. to XXXX XXXX CT, and Saturday XXXXXXXX XXXX to XXXX XXXX CT. Sincerely, XXXX XXXX. After several months, Ditech apparently corrected their inaccuracy of the above complaint ( XXXX ). I visited the company website on XX/XX/XXXX to review the changes and adjustments after they acknowledge their mistakes, which triggered this ordeal. I found that the past due payments were cleared and the payment amount is up to date. They adjusted my fixed payment to {$630.00} ; I updated this amount in my bank account to make automatic monthly payments. Notwithstanding, I realized that Ditech generosity was shallow because what they did, after admitting their mistakes, pass all fee charges and escrow errors to my principal amount, which increased from {$110000.00} on XX/XX/XXXX to {$110000.00} on XX/XX/XXXX. Meaning that they didnt solve the problem, they just passed the burden to my principal account, at my cost. No solution was taken by Ditech regarding this issue. Bottom-line, they havent corrected this issue accordingly, and to show CFPB what its the logic behind this ordeal, I have written the following statement for your view and analysis : Ditech have been servicing my account for more than 3 years and since then I dont understand why my payment had increased and changed so many times after XX/XX/XXXX, when my property taxes, which is the only payment made by Ditech from my escrow account, has been dropping since XXXX. XX/XX/XXXX - {$610.00} XX/XX/XXXX - {$620.00} XX/XX/XXXX - {$630.00} XX/XX/XXXX - {$650.00} I only have to accumulate an amount in escrow for my property taxes, so please get somebody from Ditech to analyze and explain why this mess has been originated by Ditech. In addition, my principal was increased to cover your mistakes or errors from {$110000.00} to {$110000.00} in XX/XX/XXXX, an increase of {$1100.00} that have to be credited back to actualize my real principal amount. I have opened my case several times without success, but I want to conclude this matter to move on with my life. I never had some many changes in my payment amount ever in my entire mortgage life span that started in XXXX Best regards
09/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	ME 039XX	Web	Older American, Servicemember
My name is : XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX file number : XXXX Ditech acct number : XXXX SS XXXX XXXX I became aware of a gross error on my credit report and am shocked that after numerous attempts to correct it, little effort has been made by XXXX, who has only filed an electronic dispute, or Ditech, who admits to performing no researching before simply sending it back as verified. I became aware of this error through my membership with XXXX XXXX 's Credit monitoring program, which costs XXXX per month, which notifies me of negative information on report and promises help in resolving it. I sent substantial documentation which should be enough to delete this error. As an XXXX of 33 years, I ca n't believe they are ignoring this information. I tell you that not to flout my credentials but to stress that they routinely just put in for an electronic verification when the circumstances do n't call for it. Ditech did nothing to research the accuracy of their information. Even when I produced Court Orders ( attached ), they still did not change report and did not explain why they did not change it. Because of this, I am seriously concerned about the manner in which they are investigating legitimate consumer disputes. Please review my documents which prove that this should not remain on the record. I appreciate your assistance. I am shocked that a major credit bureau did little to help a paying customer ( although that should make no difference ) and that both of these entities are getting away with ruining consumers lives. Please review the iron clad info I have in this case. I have run it by several consumer credit attorneys at XXXX as well and have been told that they agree with my assessment. Also, the amount of time derogatory info remains on a report should not vary depending on who that consumer is. The following errors occurred, which I would like corrected : ( 1 ) DITECH was reporting the status of my account as DEROGATORY. I have no late payments, according to their own report. ( 2 ) Ditech reported that I had a DISMISSED BANKRUPTCY, and is using the closed date of the account ( I just refinanced with another company ) as the date when the 7 years will begin wherein the negative info will come off report ( report states " Estimated month that this item will be removed : XX/XX/XXXX ''. ) In fact, I had a DISCHARGED Bankruptcy, which is, as you know, far different than a DISMISSED Bankruptcy, which is indeed a derogatory status. Here are the FACTS and attending documents which support my claim that the information is inaccurate and being willfully misreported. Furthermore, XXXX, from XXXX looked up the length of time a Chapter XXXX discharged Bankruptcy remains on a report, and verified that it is 7 years from the date the consumer first filed for BK. I sent XXXX 1 ) the proof of initial Ch XXXX filing date ( XX/XX/XXXX ) ; 2 ) proof that my Ch XXXX bankruptcy was discharged & not dismissed ( Court Order ). Apparently, despite my best attempts, XXXX did not understand the difference between a Ch XXXX dismissed BK versus a discharged BK. Furthermore, XXXX did agree that NOTHING about the Ch XXXX should be reported seven years after the case is filed. Since my case was filed on XX/XX/XXXX, any reference to a BANKRUPTCY should not be permitted. In this case, the creditor put it in the remarks section where such info is often overlooked. XXXX told me that the remarks section is only used for the creditors private use. Clearly, since it is part of the public credit report, this is inaccurate. XXXX asked for this info to be verified electronically several times. This is not the type of info that can be verified electronically, as it involves remarks sections, etc. Ditech came back with " INFO REMAINS ''. There was no attempt on either DITECH or XXXX 'S PART to insure that the info was properly reviewed and accurate. This caused me higher interest rates, denied loans, and emotional distress. I find it odd that this derogatory info only appeared when I closed the account. Prior to that it was all flawless and no reference to Bankruptcy or dismissed BK whatsoever. It only appeared when we parted ways. I can give you more FACTS and US Attorney 's names to prove that there was a great deal of bad blood. I also wish to point out that for most of this loan they were not the servicer, and were In essence, my account was disputed several times with XXXX and they allowed the inaccurate info to stay. I have, on several prior occasions, faxed them proof that ( 1 ) my Ch XXXX BK was begun on XX/XX/XXXX, which should cause all references to be deleted on XX/XX/XXXX. XXXX from XXXX should verify that he looked it up to verify length of time. I received a DECISION from XXXX dated XX/XX/XXXX which stated that they had concluded their report and that the DISMISSED BANKRUPTCY WAS TO STAY. It also stated it would be removed on XX/XX/XXXX -- fourteen years since I filed Ch XXXX- two times the normal time XXXX allows is their policy and procedure manual. At this point I need your help or will be forced to file for intentional infliction of emotional distress and a bevy of counts which accompany willful misreporting of a credit report. Even Ch XXXX Bankruptcy 's, in which the debtor does not repay, only remain on report for 10 years. Finally, when the information was deleted on the credit report for a day or two, the scores themselves would not change. I am sending a report with no derogatory info re : Ditech but the scores show the underlying reasons and deduct the underlying points. I am asking that this manner of reporting info not on credit report be stopped. Thank you for your time and consideration.
06/07/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29455	Web
I contacted Ditech on XX/XX/XXXX advising of an unexpected financial setback and to request payment deferral for XX/XX/XXXX and XX/XX/XXXX as this would allow me financial recovery and put me back on track with my Ditech mortgage. The lady that I spoke with ( name? ) took the time, as did I, to process the deferral request by phone. I was assured of approval over the phone. Since this initial phone call I am being bombarded with repeated " Loan Modification '' forms. I have told them repeatedly DEFERRAL ONLY. Not interested in changing/modifying my loan! I checked back with Ditech on XX/XX/XXXX before next payment due date to ensure the phone deferral was completed. It is then when I was advised by XXXX that it was denied! I then found that my monthly income was noted on my initial deferral request in XX/XX/XXXX incorrectly. She indicated my income as being $ 500+ more than my actual amount provided. So.. XXXX and I went through another phone deferral process. Then, on XX/XX/XXXX I returned a Ditech call from " XXXX '' questioning payment status. I told him about the last deferral update request made with XXXX and his response to me was, " I'm the account manager and don't know nothing about no XXXX ''! So this was my 2nd Wasted deferral attempt. I also received a typical letter from Ditech dated XX/XX/XXXX regarding deferral paperwork with a paragraph that reads in bold, " If you were approved for deferral during a phone conversation with your account representative submitting additional info as referenced is voluntary. You may, without submitting any additional info, continue with agreed upon terms as discussed ''. Why are my phone deferral requests not acknowledged by Ditech? Why the constant deception? XXXX then agreed to another phone deferral attempt for XX/XX/XXXX-XX/XX/XXXX. For the record, I made a monthly payment with Ditech on XX/XX/XXXX and the monthly XX/XX/XXXX payment of XXXX was accepted with no account concerns or issues given by XXXX ( payment representative ). I then continued to submit all hard copy paperwork via certified mail as I was later advised on my 3rd request with XXXX that it was needed, regardless of what is stated in writing. I sent all p/w via certified mail on XX/XX/XXXX and called days later to confirm receipt. I was advised by XXXX that they didn't have it, so it wouldn't be processed. I then received a letter from Ditech dated XX/XX/XXXX requesting more information in addition to what they have received. (? ) They had indeed received the certified paperwork. Throughout this time consuming, troublesome, stressful process, I have received many phone calls from many different reps and not one has any knowledge of account status whatsoever other than it's overdue! When I return a call and begin expressing the issues, we're disconnected. This is a recurring issue with Ditech. When we are in the process of addressing and solving my loan issue that is completely solvable, we disconnect. I have been unknowingly explaining it away as a bad connection on my end so they have increased using the " bad phone connection '' as an excuse on the XXXX report. I have since checked with my carrier and there is no reason whatsoever that we would be disconnected from my end. When I immediately return the call, the rep that was helping me is NEVER available so the process starts all over again with every call. This is extremely stressful. Also, on XX/XX/XXXX I submitted the mentioned XXXX XXXX XXXX report explaining my situation and lack of any meaningful communication with Ditech. I even began sending them emails of concern via their online site. They would acknowledge my email but never respond! In their XXXX response they blame my phone for communication disconnects. There's been a lot of frustrating back and forth with no solution. The deferral deception began in XX/XX/XXXX. It's now XX/XX/XXXX and they still are deceiving and misleading me. I have tried all communication possible but still to no avail. As for calls, last but not least, on XX/XX/XXXX I spoke with another rep, XXXX, only to be told that " for some reason they haven't processed my deferral and since it's been a while, we need to do it again. '' I kindly accepted. This is deferral request number 4 and it takes appr an hour to complete. I was advised by XXXX that I was approved and all I had to do was pay past due insurance and it would all be done, complete! I was so very ecstatic and relieved. As we continued to make the insurance payment the call was disconnected. ( again ) I immediately called back and as always, '' he's not available. '' ( again ) I then received a letter on XX/XX/XXXX stating that I owe {$400.00} for insurance so I mailed a money order to Ditech for that amount. I had forgotten of my XX/XX/XXXX payment made of XXXX. It was decided in XX/XX/XXXX to use XXXX of that payment toward insurance leaving mortgage payment balance of XXXX. This should have been used for insurance but I mistakenly mailed the money order for payment. I need Ditech to account for the {$390.00} left over from my XX/XX/XXXX payment. For good measure I phoned them moments ago only to be advised by another totally unknowing rep that, " I see no deferral requests and no money order! '' The one that I sent to pay insurance ( overpay ) on XX/XX/XXXX. But she did see where I applied for deferral in XX/XX/XXXX. (? ugh ) I then stopped the call. I can't take anymore of the deception and complete lack of knowledge of my account There numerous lack of service and deception details but hopefully this is enough to solve the matter at hand.
04/24/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 19125	Web
Our loan was originated on XXXX XXXX , XXXX , with XXXX XXXX and XXXX XXXX , our loan was to be underwritten as a low fixed rate loan which would be fixed at a 4 %, which was switched at closing to a 7 %. This rate created a significant increase in the overall mortgage for many years to come. XXXX XXXX sold our loan to XXXX just before the housing market crashed. Once the market crashed in XXXX , our equity had dropped so severely that no bank would refinance our loan from a 7 %, although we had very good credit scores. We financially forged onward and continued making our payments faithfully until XXXX , when I lost my job as an educator. I have been defending our interest in the subject property since our loan was being serviced by XXXX XXXX XXXX ( XXXX ) i n XXXX . XXXX , considered our family for modification however our payments remained still too high, and did not help in overcoming our hardship. Please note that on XXXX XXXX , XXXX , bailout bill created TARP, the Troubled Asset Recovery Program. The U.S. Treasury spent XXXX XXXX to buy preferred stock in XXXX banks that were too big to fail. Due to the fact that XXXX , took TARP, money from the government which was ultimately mishandled by XXXX . XXXX , was supposed to aid homeowners such as qualifying families such as ours. In particularly a loan which carried heavy negative Loan to Value ( LTV ) r esults, as indicated in to broker price opinion ( BPO ) completed by XXXX , at the time. However, XXXX , approved us for loan modification assistance and our interest rate was reduced from 7 % to 5 %, although the modification placed all of our late payments to the back of the loan. The reduction in rate was too minimal and only effected our overall payments in the least bit. We do not feel that the loan modification followed the correct guidelines for HAMP, and they were not estimated based on broker price opinions ( BPO ) findings at the time, but rather the outstanding loan amounts during the delinquency in XXXX . At no point did XXXX , attempt to defer any of our loan amounts in order to achieve the 31 % threshold of our gross income at the time, nor did XXXX adhere to HAMP guidelines. 31 % of your total gross monthly income. At the time our gross income was {$ XXXX }, which would equate to payments of approximately {$680.00}, taxes and insurance included under HAMP. We were threatened that if we did not accept the loan modification offer our hoe would be sold. Furthermore, XXXX , was sanctioned by the Federal government, they were fined and also forced to pay restitution duties assigned under the terms of th e National Mortgage Settlement ( NMS ) o f XXXX . XXXX , was sued for not following the terms and conditions from to assist struggling homeowners by acceptance of mortgage Bailout. XXXX , was essentially found guilty of misguiding, mishandling homeowners during the modification process, foreclosing while trial payments were being made as well as refusing to follow the underwriting guidelines under HAMP, etc. and a multitude of issues surrounding mishandling monies accepted from TARP. In XXXX , Greentree ( GT ) began increasing my escrow balance significantly with no explanation nor warning to the amount of {$2200.00} per year. Once this increase was made by GT, my payments went up to {$850.00}. They also placed a force-placed insurance policy on my loan although I had an active hazard insurance policy in place with my own carrier. This force-placed policy increased my mortgage payments by more than {$1000.00}. At the beginning of XXXX we received notification that our property tax would increase to {$990.00} per year, not {$2200.00}, as reflected by GT. My loan was transferred from XXXX , and was serviced by GreenTree in XXXX and Effective XXXX XXXX , XXXX , Greentree Servicing and Dietech Mortgage Corp., Both companies are owned by XXXX XXXX XXXX XXXX combined. I also feel that our loan was sold and or transferred to XXXX , in an attempt to avoid offering our family any benefits resulting from the NMS. The qualifying income, and XXXX reports from the XXXX modification review process will reveal the truth of the matter, BAC, has avoided responding to previous inquires surrounding this subject matter. Payments although reduced, the reduction in payments were not consistent with negative values and remand to be a burden after the modification was completed. Greentree Servicing and Dietech Mortgage Corp, have also made false claims, that proof of service was attempted multiple times at my property residence. They went on to violate the fair debt collect ions act ( FDCPA ), by knocking on our neighbors doors asking them to give a message to me regarding our personal business matters. Personal information was disclosed during this contacts with my neighbors. These individuals have signed affidavit statements to this effect and please note that these were not authorized parties to my loan. The FDCPA ( 15 U.S.C. 1692 to 1692p ) req uires that a collection agency make certain disclosures and prohibits the collector from engaging in many kinds of abusive or deceptive behavior. Furthermore Im a stay at home mom and Im always home. Currently, we are fighting against a foreclosure judgement whic h Greentree Servicing and Dietech Mortgage Corp, are attempting to gain via the judicial foreclosure process in our state. We are considering filing a civil lawsuit on this matter.
10/03/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 78046	Web
Dear Sirs, I am writing to inform you that in XX/XX/XXXX, a deal of sale was made in the name of my brother with the company XXXX XXXX, it is worth mentioning that my bro was only cosigner as head of the account appeared my mom and that was done that way for credit reasons and that the person in charge of the payments was me that company left Texas fleeing because they scammed a lot of people including me. However, I continued with my payments every month as agreed I do not remember what year but XXXX XXXX sold to Green Tree I do not remember In which year, I also do not remember that Green Tree has changed the number of the initial account the fact is that they paid continued Given month after month, in XX/XX/XXXX, I made a payment agreement with Green Tree, paying {$340.00} per month, I don't remember until which year But several years ago, Green Tree sold it to Dytech following the same payment and the same account number, in XX/XX/XXXX, I had transport problems accepting myself for the first time in almost 20 years, making my payments as usual, because I only had part time of the work making it impossible to pay two monthly payments and in the third I began to give my payments again in XX/XX/XXXX, I received a letter from Ditech informing me that I had a delay to what I immediately went to them and was constantly communicating via phone and email and they responded by telling me that they would check and review my case and they would talk to me or answer me to give me a solution, that they were working together to help me fix this situation, something that I never had an answer, on many occasions they asked me for letters where my brother granted me ample power on the account and they never accepted the letters, they rejected me, I don't know how many months they last in which they finally accepted the letter. The case is that when they accepted it they told me that the only thing they wanted was that I will pay around {$5000.00} and they told me that No one could refinance and that {$32000.00} was owed, since the mobile home initially cost {$30000.00}. The fact is that I have been paying uninterruptedly for almost twenty years and nobody ever advised me or told me how to fix this matter, an issue that the company always knew how it was, when they supposedly were going to help me fix and update this account, I even asked them to add or charged it to the capital for me to continue with my payments as usual, the fact is that Approximately in the month of XX/XX/XXXX of the present, they blocked the account because I wanted to check the account and said that there was not so much me as my brother were trying But they never gave us an explanation of why, even they didn't find it in their system either, they said that they didn't have that account. However, I continued to make the payments until I received a letter saying that they would no longer accept the payments for what I went to with a Person, she advise and told me that they would not send more payments because I did not know where was going to give my money. In XX/XX/XXXX of the same year, I received a letter telling me that the payments that I had been given they could not accept were going to be returned as of the following week I received another letter in which I was informed that the account number had changed and that it was already another number and that I could generate an account and make the payments online, however when creating the account and entering I was asking again {$5000.00} afterwards there were no longer XXXX wanted {$10000.00} remember that for expenses of lawyers something that was impossible for me to pay. Nobody has that money to be able to give him a single payment and less on these dates, they were sending letters wanting my brother to declare bankruptcy which he never did because he does not live here is in another state and because there he also grabbed lawyer and pay again another {$5000.00} was impossible to fix this issue, they had already taken note that I was the one who lives in this mobile home and that I am responsible for making payments and that my bro never paid anything, So they never agreed to Being a type of arrangement with me, on XX/XX/XXXX, I receive an email where they send me a notification, notifying me that they declared bankruptcy them the Dytech company, in that same notification they quote a Website and a number 1 800 to which I can go before of certain date the annex and there comes everything detailed because there it says that I could choose to keep the property however that Website and that 800 number will never work I tried many times and in the in said that there was no or an error ocurred and at 1-800 no one ever answered only an answering machine saying that it will leave a message that the call would be returned to me, something that until today has never been possible. nobody called back and they only sent me one person on XX/XX/XXXX of the present notifying me that they want me to evict the house because the debt amounts to {$32000.00} and that they bring a court order signed by the judge which I consider an arbitrariness being that I live here with my mother mother of 87 years of age, I am a single mother and I have my XXXX minor children my son of XXXX years and my daughter of XXXX years, both students, yesterday, XX/XX/XXXX, I received An email where I am summoned to court on XX/XX/XXXX, attached the last two letters. Waiting for a favorable response from you, since I am of limited resources.
05/08/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	UT 84790	Web	Servicemember
RE : Alleged Loan # XXXX Lawyer for Ditech Financial LLC/Green Tree Servicing - XXXX, XXXX & XXXX XXXX ; XXXX XXXX. XXXX XXXX. Alleged File # XXXX 1 ) Mortgage originally with XXXX XXXX. XXXX XXXX/XXXX XXXX XXXX., handled monthly billing. In XX/XX/XXXX/XX/XX/XXXX our Mortgage was " Mistakenly '' placed in Foreclosure. I spoke to 2 Representatives who confirmed. We tried to make a payment & couldn't. We got a loan & paid back amounts to insure our home was removed from Foreclosure so we could make a payment. None of the Advance Fees were ever Credited back. We also filed a Mortgage Co Review with OCC regarding XXXX XXXX/XXXX XXXX XXXX., several years ago, regarding the Illegal Mistake & " Robosigned Foreclosure proceedings in XX/XX/XXXX - XX/XX/XXXX. 2 ) Several years ago XXXX no longer maintained Mortgages and Mortgages were turned over to a company called XXXX. I tried to make a payment and got an error our Mortgage Loan information could not be found. Several weeks later we received a letter from Green Tree Servicing. Since then they have tried to collect on a Property Inspection for XX/XX/XXXX paid off in XX/XX/XXXX or I couldn't have reversed the Illegal and Mistakenly & Robosigned XXXX XXXX Foreclosure. I wrote Green Tree Servicing approximately a year later, asking for proof & copies of Lending Agreement Contracts with them containing our Signatures. Their reply, " Mortgage Companies do this all the time. '' My understanding is this is in violation of the Truth in Lending Laws, which I believe was enacted to prevent fraudulant Lending practices such as we feel were experiencing. Since then, first Green Tree Servicing and then Ditech Financial LLC. have sent us NEW Mortgage Loan documents for us to sign, which we have NOT done. We have never opened any of the envelopes ; but we could tell what was inside. A couple of years ago, we stopped receiving communication from Green Tree Services, and began receiving communications and alleged Loan Statements from Ditech Financial LLC. A year or so later, we received a check from Green Tree Servicing for {$10.00}??. We then began to receive We chose not to deposit or cash this check. Since Green Tree Servicing/Ditech Financial LLC has become involved, our alledged Mortgage Balance has increased over {$6000.00}. We have been a couple of months behind in our payments due to financial struggles the past several years. We've tried to continue to make payments, best we can to keep our Home from Foreclosure proceedings. We have not sent a Written Cease Communication to Green Tree Servicing/Ditech Financial LLC as we normally do with Debt Collectors, because of fear and suspicions they would immediately Foreclose on our Home. Also, since Green Tree Servicing/Ditech Financial LLC has become involved, we have NEVER received any Annual Mortgage Statement from XXXX or XXXX as we did when XXXX XXXX/XXXX XXXX was involved. Plus we were ALWAYS able to make payments online at XXXX XXXX! This is no longer the case as XXXX & XXXX are NO longer involved. Also in XX/XX/XXXX we changed our Homeowners Insurance Co., from XXXX XXXX to another co. Either Green Tree Servicing or Ditech Financial paid premiums to both companies knowing there was duplicate Homeowner Insurance coverages. We received a letter from Ditech Financial LLC 's Attorney, that we JUST SAW last week. This is due to serious Health Issues my husband has been experiencing since XX/XX/XXXX. We sent the Attorney a reply to his letter " Certified Mail '' yesterday XX/XX/XXXX, that we just received and read their letter XX/XX/XXXX ( which is true ) and also stating we have no record of any signed agreement and/or Loan with Green Tree Servicing or Ditech Financial LLC. The Attorney has threatened to immediately begin Foreclosure proceedings ; ( yet we were able to make a payment the end of XX/XX/XXXX ). In the letter from the Lawyer, he states that " Ditech Financial LLC is the creditor to whom the ( alleged ) debt is owed. '' However all of Ditech Financial LLC 's Communication, including in the letter from the Attorney, states they are a Debt Collector. This seems contradictory to me. How can a Company be allowed to collect and/or attempt to collect on an alleged debt when there is no signed Signatures from the consumer ( s ) agreeing to an ( alleged ) debt ; including a an alleged Mortgage Loan with that company? There is no indication that the original Mortgagee is involved or aware of any of these actions ; nor have they attempted to communicate or collect any payments regarding the original Mortgage loan! We also feel Green Tree Servicing and Ditech Financial LLC have assessed Fees and excessive Fees in our alleged account/loan, also not agreed to in any Loan documents with them. We also feel we have the Right NOT to sign any Loan Documents with Ditech Financial LLC ; as Ditech Financial LLC was NOT involved in the original XXXX XXXX XXXX Loan Agreement, with us. Please help us, so we won't lose our Home! And also please help us regarding Ditech Financial LLC., as we do not wish to have any Business dealings with them! We did not have any choice in this matter. Nor do we feel we should be required to sign any Loan agreement documents with Ditech Financial LLC. Also could you please forward any information regarding to the appropriate Laws and Legal Cases that will be helpful in our situation? Thank You in advance for any and all help you can possibly give us regarding this situation!
08/21/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OK 74820	Web
My ex-husband and my divorce was finalized XX/XX/2018. The Quit Claim Deed was signed by both of us and filed on XX/XX/2018. Our original plan was for him to refinance the home loan in order to remove my name. After doing some research on the Ditech website, we found that we could do a loan assumption instead of a refinance to do this. I printed off all of the required documentation that the website said we had to send in. We both signed the authorization form as it requested. We faxed the following documents on XX/XX/2018 ( see fax confirmation included ). I was concerned on XX/XX/2018 that maybe it hadn't been received because I had put on the fax form to please contact me when it was received. I didn't want to rush them so I gave them 3 weeks. So finally on XX/XX/2018, I called Ditech. The woman was confused and didn't know anything about the loan assumption process even though I called the number that the form said to call if you had any questions. After a little over 20 minutes, she said she was able to send an e-mail asking if our documents had been received and she would call me back in 2-3 days. She said I should also receive a letter within 30 days of sending the information in. I waited. I work full time so I got a little busy and didn't have a chance to call back. Finally on XX/XX/2018, I called again because I was getting concerned that it now had been well over a month since I faxed the original documents in. In the divorce decree, it states that the home was to be put into my ex-husbands name only within 90 days of being final. At this point, it was 60 days since the divorce was finalized. I started to panic that it was not going to get done. In addition, I can not purchase my home or do much of anything with this large debt still on my credit report. I was actually denied by multiple banks when I purchased a smaller car in XXXX because it appeared that my DTI was very high when actually I hadnt been making the mortgage payment in over a year. When I called on XX/XX/18, I spoke with several different people. Two of them asked why we wanted to do an assumption instead of a refinance. In my head, I thought the benefits of an assumption ( for us anyways, not Ditech ), were obvious. One of the women verified that the fax number I first sent the information to was correct. It was. So she asked me to fax it again. We faxed the following documents again on XX/XX/2018 ( see fax confirmation included ). I proceeded to call every day that week only to be told every time that the information was still not imaged to our account. On XX/XX/2018, I sent a message through the online portal ( this message is included ). On XX/XX/2018, I faxed the documentation once again after calling and being told it was not there. When I asked if there was any way to expedite the process because we are on a timeline, I was told no. Later that afternoon, I called again and was told the documentation had not been received. I explained that this was court ordered and we were getting close to the deadline. Finally, this woman said she would speak to her supervisor to see if we could expedite the process. After being on hold, she came back and said that she could email me a link to upload the files if I had access to an email and a computer. I said I did. She said as soon as she received them, she would e-mail them to her supervisor, and he would get them imaged right away. I received a link to upload the files XX/XX/2018. I have a confirmation ( included ) that it was uploaded. I tried, unsuccessfully, since then to speak with XXXX XXXX again to confirm they were received. As of XXXX XXXX XX/XX/2018, the documents were still not in our file. This woman I talked to said there were some questions she needed answered on their end and proceeded to ask me several questions ( which was part of the information I had typed up because I had already read online they would need that information. ) I received another link to upload the files from XXXX XXXX which is this packet. I have a confirmation ( included ) that it was uploaded again XX/XX/2018. I called at XXXX XXXX on XX/XX/2018 and once again was told the documents were not received. This man was had an attitude and at first told me that by looking at my loan, it couldnt be assumed. I said that I had read on their website that if there was a divorce, one of the parties could assume the loan. He said oh yes if there is a divorce you can. I told him I was getting frustrated because this needs to be processed very quickly and they cant even get the information I have been sending. He informed me that I could mail the documentation. I mailed documents by certified mail today, XX/XX/2018 at XXXX XXXX I am absolutely panicking that this is not going to get done. We both have things that cant be completed until this is done. I am starting to feel like Ditech does not want to do a loan assumption. From the attitude about us doing an assumption rather than a refinance and the multiple failed attempts of me submitting the documentation that is the only conclusion I can draw. We feel like our hands are tied as we can not walk into a building and hand the documentation to a person. It has to be faxed, mailed, or uploaded. My fear is that it is never going to be imaged to our file which will force us to refinance and cost us a lot more money. We have wasted a lot of time, energy, and some money in this process. Please see all of the documentation I have included.
04/11/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	NC 279XX	Web
My home loan and insurance were recently separated into two different accounts. The home loan account is paid bi-weekly via electronic payment through my bank account. The insurance account is not eligible for electronic payments through the ditech site or my bank for some unknown reason. XX/XX/XXXX, prior to the changeover, which indicated a payment due XX/XX/XXXX of {$450.00} and a deferred balance of {$4800.00}. When the new computer system came online, it stated that my payment due XX/XX/XXXX was {$530.00} which represents my normal principal and interest payment. This is, obviously, incorrect. It also states I have and Advance Balance of {$4800.00} - also incorrect - these funds were deferred not advanced and that one word makes a huge difference. All payment through the XX/XX/XXXX payment were correctly applied. The following payments were made to the home loan account after XX/XX/XXXX which should have been applied as follows based on daily interest at 11.5 % over 14 days between payments : Beginning principal balance approximately {$42000.00} after XX/XX/XXXX payment but XX/XX/XXXX statement says {$42000.00} so we'll go with that XX/XX/XXXX {$290.00} interest : {$180.00} principal {$100.00} new principal balance {$41000.00} XX/XX/XXXX {$290.00} interest {$180.00} principal {$100.00} new principal balance {$41000.00} XX/XX/XXXX {$290.00} interest {$180.00} principal {$100.00} new principal balance {$41000.00} XX/XX/XXXX {$290.00} interest {$180.00} principal {$100.00} new principal balance {$41000.00} The insurance account was paid on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with payments of {$75.00} each. The first XXXX were applied correctly leaving me an insurance due amount of {$130.00} due XXXX. However, the payment made on XX/XX/XXXX - though the correct account number which was confirmed with ditech on XX/XX/XXXX was on the check - was applied to my home loan account as {$13.00} interest and {$61.00} late fees. the XX/XX/XXXX payment of {$75.00} was applied to the insurance account. Let me be very clear about this : I OWED NO LATE FEES!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! However, payments were put into the unapplied account - which while I disagree with the concept I understand that until a full payment is received it can sit there and then be applied and appropriately dated to actual receipt date thereby calculating interest the right way. Reallocating the payment may take a phone call - which I've done before with no problem but not now! I have been paying bi-weekly for seven years and it as been handled appropriately until this change. This is how my payments were applied : XX/XX/XXXX payment {$290.00} to unapplied XX/XX/XXXX payment {$370.00} to interest ( 27 days of interest?????????? ) and {$290.00} was pulled out of the unapplied amount - I don't know where it went!!!!! On XX/XX/XXXX someone magically paid {$200.00} worth of late fees that I didn't owe! XX/XX/XXXX payment {$180.00} to interest ( at least that's about 14 days of interest but calculated on a very incorrect principal balance ) and {$100.00} worth of late fees that I still didn't owe! My insurance payment on XX/XX/XXXX for {$75.00} was allotted to 1 day of interest of {$13.00} on XX/XX/XXXX and on XX/XX/XXXX {$61.00} worth of late fees that I still don't owe! XXXX payment was applied to the unapplied account On XX/XX/XXXX I confirmed the insurance account number and asked that the payment due discrepancy be investigated with Breezy On XX/XX/XXXX I was told by a foreigner reading a script that they would not reallocate my payments out of the unapplied amount. On XXXX I was hung up on three times before I ever got a human being. On XXXX I was told by a foreigner, XXXX, that my payment would be reallocated. On XX/XX/XXXX I spoke with a knowledgeable person, XXXX, who stated that the problem would be fixed with the next computer update. On XX/XX/XXXX another knowledgeable person, XXXX, explained that the computer system was still not right but the account should be correct by the end of XXXX. On XX/XX/XXXX a rude person named XXXX asked me just exactly what did I want him to do that no one else I've spoken to so far had been able to do to which I responded I'd like my payments accurately applied so he sent me to his supervisor XXXX who told me that I shouldn't pay bi-weekly and that she couldn't see any of my payment history but she would send the account to be researched. On XX/XX/XXXX XXXX told me that he would take care of moving the insurance payment to the insurance account. On XXXX I spoke with XXXX XXXX who was working on fixing my account. I spoke with her again on XXXX when I found out that principal balance is now being reported to be over {$46000.00} when it is less than {$42000.00}. There is a reason I pay bi-weekly and it can not be changed. It is not for ditech to tell me how to make my payments as long as they are made timely - which they are! This advance amount is a deferred amount and is not collectable until the end of the loan. At {$5.00} per late fee some 75 months or 6 1/4 years worth of late payments have been appropriated that I never owed. These errors are causing interest to be accruing based on incorrect principal amounts. As of XX/XX/XXXX my account is still grossly incorrect and none of my payments made since XX/XX/XXXX have been corrected and 1 of my insurance payments is not applied to my insurance account.
07/28/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 44035	Web
I went through a divorce and lost half of my income to alimony for 3 years ( XX/XX/XXXX through XX/XX/XXXX ). Money was very tight, and I survived by cutting back expenses to the bare minimum and maxing out my credit cards. Toward the end of the 3-year period, I was skipping payments on one credit card so I could make the minimum payment on another card that I had skipped the month before. ByXX/XX/XXXX, I was 90 days past due but my alimony was over -- I was due to receive my first full paycheck onXX/XX/XXXX and make a payment on my past due mortgage account to prevent if from default. However, a few days before I received my first full paycheck my mortgage company ( Ditech ) placed my account in default : this meant I could n't even pay one month 's past due amount to bring it back under 90 days past due. I had to come up with the entire past due amount to reinstate the loan ( a total of {$3800.00} ) -- which I obviously did not have. I was advised my best course of action would be to request a modification -- a new payment agreement could be made if approved. I 'd have a new trial payment. I submitted a complete modification request package on XX/XX/XXXX and it was ackowledged and received by Ditech. The lender had said I would have a decision within 30 days, but I heard nothing after 30 days so I began calling the lender once or twice a week for updates only to be told it was still in underwriting. In late XXXX I received a letter stating that my loan modification request was still in review. I continued to call for updates, was assured everything was OK and the file was still in review. 30 days became 60 days. After 60 days I 'd call, and everytime I 'd call, the representative answering the phone would be perplexed that there was still no decision. They would promise to add notes the file, email the underwriter and/or the underwriter 's supervisor, make a request that the modification be expedited, and/or promise to call me back with updated information, etc. None of that resulted in any visible action -- I never received any follow-up, and each time I called I 'd have to explain the same story, receive the same apologies, promises of more action, etc. During this time, I was not allowed to make payments on the account even though I was fully capable of making a payment arrangement that would have brought my account current during the time my modification request was out for review. Finally on XX/XX/XXXX, on yet another phone call to the mortgage company and more than 90 days after they acknowledged receiving my complete modification request, I was told by a representative that " it looked like '' my modification request had been denied but they did n't know the exact reason. They said I should call back the next day and they might have more information. On XX/XX/XXXX I called back and the representative told me I was indeed denied a modification because " the modification would increase the payment and interest payment '', even though I could easily afford an increased payment and interest payment with my full salary. She stated I should receive a letter in the mail formally notifying me of the denial and the reason, and that once I received it I could choose to appeal the decision ( based on my ability to pay an increased payment ). It is XX/XX/XXXX and I still have not received that letter. I called multiple times after XX/XX/XXXXasking them where the letter was and about any other options for reinstating my mortgage. I was told to reinstate the mortgage now would require me to pay the entire amount past due plus attorneys fees ( {$8600.00} past due plus {$1900.00} in attorneys fees ). I believe I am being unfairly penalized for the bank 's failure to process my modification request timely and for their failure to give me written notice of the denial ( and the denial reason ). During the time I was awaiting my decision, the amount needed to reinstate went from {$3800.00} to {$10000.00} ). Furthermore, since I never received a written notice of my denial and the reason, it makes it pretty much impossible to file an appeal that will address the concerns or issues for the denial in the first place. During one of my last calls with the servicer, they recommended I just email the customer service email a notice of my appeal, include as much information as possible ( about how I can afford the increased payment, I can afford to make a payment arrangement, andthing possible to keep the home ). A few days later I received an email response that said they could not verify the information in my email request so I would have to submit a written appeal. But how can I file a written appeal when I do n't even have a written denial? In the last 30 days, I 've saved up as much money as possible to try to reinstate the loan. I have {$6500.00}, and should be receiving {$4000.00} from a hardship withdrawal from my 401k in the next week or two. However, I received notice today that my servicer 's law firm has file a foreclosure lawsuit on XX/XX/XXXX in my county court -- which now likely means that the legal fees to reinstate have gone up even more just as I was about to be able to reinstate the loan. Again, the delay and miscommunication from my servicer has resulted in real harm to me and my ability to reinstate the loan.
10/08/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 231XX	Web
I have been speaking with several Ditech representatives about the possibility of a loan modification since it was suggested to me by a Ditech rep in late XX/XX/XXXX when I realized I would be late with mortgage payments due to a short term financial hardship. I explained that I was experiencing short term financial hardship and agreed that I would be interested in exploring the idea of a loan modification. The modification paperwork and application was sent to me and I received it in late XXXX. I collected all of the necessary documents required on the modification checklist and faxed my documentation to the Ditech Loss Mitigation Fax number on the bottom of the Ditech Loan Modification checklist sheet. The documents were faxed 3 times on XX/XX/XXXX. The fax number was not returning a response which is why I faxed it a few times. I called to see if my documents were received on XX/XX/XXXX and was told to check back in a day or two because the Ditech Loss Mitigation department gets backed up and that they had been having some issues with faxes. I called back again 2 days later and was informed by an agent that the documents still had not been uploaded onto the imaging system. That agent ( Booker ) provided me with a totally different fax number to customer service and asked me to fax it there so that a customer service agent could upload the documents instead. That agent also told me that Loss Mitigation often gets backed up with paperwork and he wanted me to get the documents to customer service to try to get the modification review process started quickly before my account got too far behind. I then faxed the documentation to the newly provided fax number the very next day. I faxed it 2 times and called a day later to confirm receipt by Ditech. Ditech agent once again informed me that the documents had not yet been received. I asked for a manager to help me to resolve this fax issue and was directed to speak with XXXX at ext # XXXX. She informed me that she was a manager and asked me to try a different process. I felt that she was genuinely trying hard to help me to resolve this issue. XXXX asked me to do an e-fax to a third fax number which would be sent directly to her and she committed to getting the documents to Loss Mitigation upon receipt of the e-fax. I faxed the documents again for the 6th time to the new number given by XXXX the next morning. XXXX said she would note my account immediately upon receipt of the fax so that when I called back in to check on the status, an agent could confirm receipt of my documents by reviewing her notes. I called back 2 days later to see if the fax had been received and was informed by XXXX ( agent ) that there was not a note on the account saying that the fax was received. XXXX offered to walk over to Dionnes desk to check with her to see if the fax was received. After placing me on hold for a few minutes XXXX returned and confirmed that all of my paperwork had been received and XXXX would be getting it to Loss Mitigation ASAP. He also set up a payment by phone for me and discussed that I should pay what I could afford in the meantime while the loan modification was being processed. He did inform me that the account was getting close to 120 days delinquent. I called Ditech back again today XXXX because I had not heard anything yet on next steps. I spoke with XXXX who confirmed that several notes are in the system on my account indicating that I have been inquiring about my fax status and the loan modification for weeks, but she also told me that there was nothing in the system indicating that XXXX had actually received the fax and she proceeded to try to collect on the account. After I explained to her my concerns about how horrible this experience has been she proceeded to tell me to call XXXX back tomorrow XX/XX/XXXX to speak with her directly about the eFax because as an agent she couldnt view that information in her system. She said the office was about to close for the day and instructed me once again to try back tomorrow and request to speak with XXXX or a manager. She also let me know that my account was 128 days past due and mentioned that she could see in some of the notes on my account that I have been dealing with this issue for quite some time and have spoken with many different agents about Loss Mitigation and my modification request. Each time I call it seems as though none of the agents at Ditech know whats going on relative to my account and the loan modification process. Each person asks me why my account is behind and tries to collect on the account even though I have explained my issue to upwards of 6-8 different agents since XXXX. Im currently at a loss for what to do next and am filing this complain in an effort to get action and to express my concerns as my account is getting more delinquent as this confusion continues at Ditech. I am requesting a return call from a manager in Loss Mitigation who can confirm receipt of my personal/confidential financial information that was sent multiple times via fax and seems to be floating in limbo at Ditech. I also need a manager to confirm that the modification process has started. I would also like to know next steps in this process.
11/06/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	GA 30125	Web	Servicemember
I called our mortgage company, Ditech, originally to discuss closing paying off our mortgage loan. The representative, XXXX, gave me information on what to do to close the mortgage. At the time he stated that our payoff amount was {$3600.00}. He stated that payments had been made XXXX for {$350.00} and {$360.00}. On XX/XX/XXXX we had paid {$300.00}. We discussed that there were payments being sent from our bill pay during XXXX for {$2000.00} and $ XXXX.if you take {$3600.00} and subtract {$2500.00} you get {$1100.00}. In total, I believe I have called Ditech 9 times because their representatives answers were conflicting and at times made no sense. I had discussed with Ditech representatives our intentions of paying off the loan. We made several payments in XXXX. Apparently, instead of putting the payments towards our payoff balance, they put our payments into a funds suspense count without our knowledge or consent. I found this out during one of the conversations with the representatives I spoke with. I had to ask what a funds in suspense was an the answer made no sense to me. They said that it was an account that they place extra funds in like a bank account. Since I verbally stated many times that we were paying off the account, it made no sense. They would tell me that the notes never indicated anything. Twice I called and had two representatives tell me that they would have my account closed within 30 days. After the first call, I waited and then called back to check on the account and the next call I made, the representative stated that the account had not been put in to be closed but that she would take it out f our Funds Suspended Account. She promised me that the account would be closed. I finally called and asked to speak with a manager in XXXX. The representative still wanted to help me and I tried to get the call transferred. It took awhile to get the call transferred to a " manager '' named XXXX. She put me on hold and reviewed the notes. She told me that all the notes were vague and that she would have to pull the tapes and call me back. She would not give me a last name but gave me the number # XXXX. On XX/XX/XXXX, I called We received documentation from Ditech stating that our payoff principal balance would be {$2400.00} but on the next page that our escrow was {$1800.00}. It was dated XX/XX/2018. I called Ditech on that day ( XX/XX/18 ) and spoke with XXXX. I asked XXXX regarding the amounts that were in our mortgage account. I that time, I was quoted the following amounts : Principal Balance : {$2.00}, XXXX Escrow : {$1800.00} Funds in Suspense : {$1700.00} XXXX told me that Ditech could not use our funds in suspense to pay off our last payment which was estimated at {$710.00}. I was told at this time that I needed to write a letter requesting us to use our escrow funds to pay this payment. He told me to include our name, address and account number and fax it to him and XXXX. He let me know that I should have been told by the other representatives that I needed to write a letter. I asked him about disputing funds for paying all the interest since paying all our mortgage and Ditech putting the money and not using it as requested. XXXX told me to hold off until the account was closed to try and dispute this because otherwise it would keep the house from being closed. We received an escrow funds reimbursement check in XXXX for {$1100.00}. The statement date was written XX/XX/2018. Later, I got to looking at the statement and it appeared as if it were showing that some of the money for our last payment was supposed to go into escrow and that did not make sense. I called Ditech on XX/XX/2018. I waited 30 minutes to talk to someone about our escrow. When questioned about Ditech taking Escrow funds out of our escrow, he told me that our payment came out of the Funds in Suspense Account, the same account that the previous representatives told me that I could not use to pay off our account. The gentleman sent me an e-mail with the breakdown of funds, however the print was so small it was illegible. He finally sent me two other forms of our payout history. When I looked at the breakdown of what he sent us, I noticed what looked like extensive money coming out of our account- 3 transactions in two days. It appears to show that the following transactions came out on XX/XX/2018 : Principle paid : {$480.00} and {$480.00} ; Interest paid : {$14.00} and {$12.00} ; Escrow paid : {$210.00} and {$200.00}. I also noted that on XX/XX/2018 one of the payments they took out was a payment for XX/XX/2018- that would be after the loan was closed. On XX/XX/2018 a payment appears to be taken out for the following amounts : Principal Balance {$3400.00} ; Interest {$3.00} and Escrow {$260.00}. I questioned him about these transactions and he assured me that they were all correct. I also questioned him about taking a XX/XX/2018 payment on the closing date of our mortgage ( XX/XX/18 ) and he assured me it was legal and I questioned him how it was legal. He finally said, " hello '' and I responded with " please don't do this to me '' and then he quickly said " hello, hello, hello. Due to no response, I have to terminate this call ''.
12/06/2018	Yes	Mortgage VA mortgage	Trouble during payment process	WI 531XX	Web	Servicemember
I have a VA loan which is serviced by Ditech. The Investor is XXXX XXXX. I am having trouble with the AutoPay service that Ditech is providing for the servicing on my mortgage loan. I have contacted Ditech twice about the issue with no resolution. I looked at the XXXX XXXX website, but I did not see an area where I could file a complaint with them. On Saturday, XX/XX/2018, I checked my online banking and noticed that my AutoPay mortgage payment to Ditech was pending in my checking account. The mortgage payment was due on Monday, XX/XX/2018. On Sunday, XXXX XXXX, I sent to Ditech the following message : " Why was my mortgage payment debited from my account on Saturday, XXXX XXXX when Monday, XXXX XXXX is a banking day and the actual agreed payment day for the mortgage? '' I received the following message back from Ditech 30 days later : " This letter is in response to your correspondence received by Ditech regarding the above-referenced account number. We apologize for the delay in our response. Your payment in the amount of {$1600.00} for the XX/XX/2018 due date was received on XX/XX/2018. There was no other payment debited on XX/XX/2018. Please be advised, the automatic payment program does not debit on weekends or holidays. As of the date of this correspondence, the account is next due for the XX/XX/2018 due date in the amount of {$1400.00}. '' I was not satisfied with this answer from Ditech because I did not feel that they took my complaint seriously and adequately investigated my complaint. From the response sent to me, it looks like all Ditech did was check my payment history to see when they received the mortgage payment. They did not check when they REQUESTED the mortgage payment. I purposely made my complaint vague because I wanted to see what Ditech would say. I sent a second message to Ditech to address my concerns. It said the following : " This is in response to my previous complaint. It was not sufficiently handled by the previous person since they did not understand how Ditechs auto bill pay system works. The person who handled the complaint was correct in saying that my mortgage payment was RECEIVED on Monday, XXXX XXXX ; however, in order for Ditech to have RECEIVED the payment on the XXXX, Ditech had to debit my account on Saturday, XXXX XXXX. You are using an ACH Direct transfer to debit the funds from my account and it takes ONE BUSINESS DAY to clear the Federal Reserve or a Clearing House. As a result I did not have access to my funds for two whole calendar days since the ACH was pending in my checking account till Monday, XXXX XXXX. This presents the opportunity for Ditechs early debit to OVERDRAW my account since I am expecting Ditech to debit my account on the XXXX. If the agreed payment date is the XXXX, then the ACH Direct Transfer should be sent by Ditech on the XXXX or the next business day if the first falls on a weekend or a holiday. It should not be done EARLY. This could be construed as an Unfair or Deceptive Act or Practice ( UDAP ). Also, this was reported to the Credit Reporting Agencies that I was disputing this account? I am not disputing the account ; I am disputing your auto bill pay procedures. Thank you, XXXX XXXX '' As my second message to Ditech states, I am concerned that Ditech 's AutoPay procedures present the opportunity for my checking account to be overdrawn because Ditech is sending the ACH Direct transfer to debit the funds from my account earlier then the agreed payment date. A reasonable consumer would expect there loan payment to be debited from there account on Monday, XXXX XXXX, not two days earlier. If the agreed payment date is the XXXX, then the ACH Direct Transfer should be sent by Ditech on the XXXX or the next business day if the first falls on a weekend or a holiday. I definitely feel that Ditech 's AutoPay procedures could be construed as an Unfair or Deceptive Act or Practice ( UDAP ). These AutoPay procedures can cause or is likely to cause substantial injury to consumers due to potential overdraft issues. This is an unfair practice because a consumer could not be expected to avoid this injury because a reasonable consumer would expect a mortgage payment to be debited on the agreed date. Not two days earlier than agreed. The bank 's Monthly AutoPay Application does not state that it is the bank 's practice to debit an account two days early if the due date is on a Monday. This information was withheld that prevents a consumer from making an informed choice. There is no countervailing benefits to consumers for debiting a consumer 's account earlier than agreed to. Ditech 's disclosures mislead or is likely to mislead because it omits information needed to prevent a consumer from it's account overdrawn. A reasonable consumer would expect a mortgage payment to be debited on the agreed date. Not two days earlier than agreed. Ditech 's AutoPay practices are material because it is likely to affect a choice, it relates to costs ( Overdraw Fees ), and the Omitted information is necessary to make a rational decision regarding the AutoPay service. Attached to this message are the messages received from Ditech and the AutoPay Application.
01/29/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08723	Web
On XX/XX/XXXX we qualified for and were issued by XXXX a Sandy-impacted Mortgage Forbearance Certificate for our Ditech Mortgage loan. We had problems initially with Ditech honoring the Certificate and had to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX because they reported us to the Credit Borough as delinquent on payments, and were trying to transfer our loan to get out of honoring our Forbearance terms, that since got resolved after the TV station aired our complaint. But now we have even more problems with them. Our Legal Forbearance Cert is issued with Ditech 's name on it, for Forbearance period until XX/XX/XXXX. However, we had to fight with them since XX/XX/XXXX to make sure they kept our account in forbearance, since they started reporting us as delinquent to the Credit Borough again and showing we owe back interest. They finally fixed our account showing no late payments, but have not yet fixed our balance, since it shows accrued interest of about {$45000.00}. NJ DCA says interest is not to be accrued during this forbearance time since this is a special forbearance for SuperStorm Sandy victims, but Ditech refuses to address or correct this, even after we showed them a letter proving the NJDCA confirmed no interested should be accrued during the Forbearance period. We have been paying the Escrow, per the terms yet another problem we had with them is that they have not been properly applying our money to Escrow, but keeping it in a " suspended account '' so we had to once again dispute this is incorrect, because it has affected our Principal tremendously and what they are doing is wrong. Our credit report shows our Principal balance increasing approx. {$2000.00} each month. Then to make matters worse, while we were in a dispute with them about this, they decided to transfer our loan to another loan servicing company ( XXXX XXXX. ) And gave us 15 days notice. Once again we disputed that they do not transfer us while we were in a forbearance and still trying to rectify another dispute about the interest. We complained they cant do this since we are in a forbearance until XX/XX/XXXX, which is in writing from them. They tried to do that to us in XXXX, but then decided they wouldn't do that then, because we were in a forbearance and it was unethical and illegal, DCA told us they were not allowed to do that anyway. After spending numerous hours on the phone with Ditech Loss Mitigation Reps, they told us to write dispute letters about all complaints, which we did. We have since wrote 2 letters disputing them to correct credit report, then not to transfer our loan to another lender while we are in a dispute and yet they transferred us anyway on XX/XX/XXXX even though we have not gotten a resolution yet, only that they received letter that we faxed on XX/XX/XXXX and were working on a resolution. They also told us if our loan transfers that all loan conditions would remain the same with new lender, yet we just got our new bill from XXXX and its no longer showing the correct amount, nor that we are in a forbearance. XXXX XXXX got no information from Ditech regarding our Forbearance, even though Ditech told us our loan agreement showing Forbearance would not change once it was transferred, this was clearly a lie to us. In fact XXXX has us as not making a single payment since XX/XX/XXXX and a past due amount of {$45000.00}, which is clearly incorrect. We have tried to explain this to XXXX Reps and they claim they have no record from Ditech proving we were in a forbearance, even though we faxed, mailed and emailed ( Several times ) 15 pages worth of written proof to them over a week ago. When we try to call Ditech, we are left on hold for over an hour and no one picks up. We don't know what to do at this point. We wrote to NJ Dept of Banking and Insurance, as well as SD Div. of Banking and Ins filing complaints with both and now we are contacting CFPB in hopes someone can help us rectify this nightmare of a situation. The sad part about all this, is that we were significantly damaged by flooding by SuperStorm Sandy, then we were forced to elevate our home, which meant moving my family with XXXX XXXX ( XXXX is a Type XXXX XXXX ) into a tiny bungalow 30 minutes South of our home. We were displaced for almost 9 months, while dealing with a shady contractor, and finally home trying to get back to some kind of normalcy for our children. Ditech has made our stressful situation so much worse by not correcting our account, and abiding by the DCA legal-bound forbearance certificate terms, they have messed up our excellent credit scores because of their negligence and then transferred us to another company without providing them with the correct amounts and proper information for our loan. We are beyond frustrated and in desperate need of help. We are considering hiring a lawyer and once again contacting XXXX XXXX XXXX XXXX XXXX for assistance. We would prefer not to have to go that route, but we are at a loss as to how to get this resolved asap so our credit doesn't get further ruined by Ditech 's mistakes. Please Help!!
07/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80026	Web
Nature of Complaint : Payment Processing /Escrow Account with Ditech Mortgage Facts : On XX/XX/XXXX, we received an Escrow Analysis for our Escrow Account, with Ditech Mortgage , stating that our account had a shortage of {$490.00}. We paid this shortage in full on XX/XX/XXXX. Mortgage payment then remained the same as it had prior to the shortage. On XX/XX/XXXX ( 7 months later ), we received another Escrow Analysis for our Escrow Account, with Ditech Mortgage ( same account ), stating that our account had a shortage of {$2200.00}. On XX/XX/XXXX, I called Ditech and asked for an explanation and a review of our account as we had just trued up our Escrow Account 7 months prior. I was told a supervisor would call me back. Supervisor never called back. XX/XX/XXXX and XX/XX/XXXX mortgage payments were made on time and for the same amount as prior months payments. On XX/XX/XXXX, we received a letter in the mail stating that our XXXX Mortgage payment was not received in full ( meaning with shortage amount ) and that there was a late fee now of {$77.00}. On XX/XX/XXXX, I called Ditech and asked for explanation of late fee b/c we had sent in our XXXX Mortgage payment on time. I was told because it was not paid in full ( shortage amount added on ) that my payment ( previously considered a full payment ) was now BEING HELD IN SUSPENSE STATUS. And therefore our mortgage payment was considered late. I explained that my account was under review because we were questioning the large shortage amount. Ditech said it didnt matter. I asked for supervisor received a voicemail on the transfer and I left a message requesting a call back. Supervisor never called back. On XX/XX/XXXX, I called Ditech. Spoke with representative who placed our account on a 36 month payment plan so that we would pay back a portion of the escrow shortage each month and not have future Regular Monthly Mortgage payments be considered late. This will buy us some time to figure out the source of the shortage amount without constant late penalty and ding to our credit. Representative could not explain to me why our account had a deficiency. Representative said it was the County Treasurer telling them how much to collect for projected taxes and that I should call the County Treasurer. On XX/XX/XXXX, I called the County Treasurer and County Assessor. Taxes for our home actually went down in XX/XX/XXXX assessment. Representative at County Treasurer office told me they would never give a number for projected XX/XX/XXXX tax amount because amounts can change due to levies. These tax payments are reflected in our escrow payment history. On XX/XX/XXXX, I called Ditech, and asked for them to run another Escrow Analysis to explain to me how a {$2000.00} shortage came to be after we paid a shortage amount in XX/XX/XXXX. Representative couldnt explain deficit. Supervisor was busy and couldnt talk to me. I was told to call back in 30 -60 minutes. On XX/XX/XXXX, I called our homeowners insurance company and verified all of the payments made to our policy by Ditech for the last three years. From XX/XX/XXXX to XX/XX/XXXX premiums due, there was only a {$250.00} difference in the cost of our policy. On XX/XX/XXXX, we received a letter from Ditech stating that we have been assigned an account representative. I called Ditech and tried to reach representative. I did not speak with him. On XX/XX/XXXX, I called Ditech and requested to speak with Supervisor. Representative placed a request for supervisor to call me back. Supervisor never called back. On XX/XX/XXXX, I called Ditech. I finally spoke with a supervisor. She said she would run an analysis and call me back on the findings. Supervisor never called back. On XX/XX/XXXX, I called Ditech and asked to speak to the same Supervisor that I spoke with on XX/XX/XXXX. I was sent to her voicemail. I left a message asking for her to call me back. Supervisor never called back. On XX/XX/XXXX, I have filed this complaint with you because I am frustrated with the lack of response and knowledge regarding this issue. We are happy to pay any amount that we legally owe but we would like to know why we owe it. From the first day of our inquiry over 3 months ago, I have yet to speak to anyone who can explain to me why we owe {$2200.00} as a shortage on our Escrow Account, seven months after paying a previous shortage of {$490.00}. Our homeowners insurance and our real estate taxes have not changed enough to warrant this type of shortage. We would like to have an answer from the company who manages this account. In three months time, I have never received a phone call back from Ditech. All inquiries have been initiated by us. We are frustrated and do not understand why they aren't able to provide justification for a shortage such as this. Also, when there is a " disputed amount in question, '' the holding of regular payments " in suspense '' and not giving the customer credit for paying the undisputed amount on time, seems to be unethical. Is this business practice a violation of any consumer protection laws?
01/10/2019	Yes	Mortgage VA mortgage	Trouble during payment process	FL 324XX	Web	Servicemember
DiTech has refused to promptly endorse {$26000.00} in insurance proceeds as required by Fla Stat s 494.0026 after Hurricane Michael. This obstruction has gone on for longer than 2 months. I sent a final demand letter to them last month with a return self address XXXX envelop to send the endorsed check back to me. I have not heard from them, ever. They have refused to provide written instruction on their process even after specially asking for such written instructions. I am now out of pocket over {$25000.00} in all the expenses I have had to advance to repair my home. Obtaining a simple endorsement should not be this difficult. After all these are funds to reimburse me for expenses that I incurred to preserve property they have a lien on. Here is a timeline of events for your information. XX/XX/2018 : The home at XXXX XXXX XXXX XXXX in which DiTech has a security interest in was damaged in Hurricane Michael. I immediately notified the insurer and DiTech of the damage by phone. XX/XX/2018 : The adjuster inspected the property. The property had a tree fall on it and needs a new roof, new fence, tree removal, and interior work for the leaks. Soon after the adjuster completed his inspection, I paid a tree contractor {$8500.00} to remove the tree from the roof and off the fences. XX/XX/2018 : I found a fence contractor and paid a {$6500.00} deposit for supplies for the over 450 feet of fence on the property. XX/XX/2018 : XXXX sent me two initial payments by check for the damages, attached. Because DiTech has a security interest in the property, DiTech was listed as a co-payee. I received the checks that week. XX/XX/2018 : I contacted Ditech by email and phone asking how to get the checks endorsed and release to me. After waiting over 30 mins on the phone, I discontinued the call. I never received a response to the email other an acknowledgement that you received it and someone would be getting back to me. They never did. XX/XX/2018 : I sent a follow up email asking for a response. I never received one. XX/XX/2018 : The fence was finished and I paid the remaining balance of {$3900.00} to the fence contractor. XX/XX/2018 : I sent yet another email to inquire about the endorsement process. Again no response. XX/XX/2018 : I called DiTech customer service hotline again and spoke with an agent who argued with me for 30 minutes. She could not explain your requirements for endorsement and simply told me to endorse the checks and mail them in. When I asked if the money would be kept in a bank account and which bank, she told me that it would be kept in my mortgage escrow account. When I said that didnt make any sense because escrow money had be handled by law a particular way and should be refunded to me in the event of an overage, she chastised me for not knowing the law ( I am a XXXX ) and continued to argue with me. When I finally asked that she send me DiTechs process for endorsement and instructions in writing either through the mail or an email, she said she couldnt do that, and that I had to write down what she told me. Even after repeated requests, she could not and would not send me any instructions in writing. I politely discontinued the call and sent yet another email to DiTechs customer service - this one a little more direct. Again, no response except an acknowledgment. XX/XX/2018 : I hired a roofer ( the wait is now over 8 weeks to get a roof and this was the earliest I have found after getting 3 estimates ). The roofer required a {$9500.00} deposit and will required another {$9500.00} upon job completion. I paid it out of my pocket. XX/XX/2018 : Sent a final letter to DiTech via XXXX with the endorsed check and receipts for out of pocket payments and a self addressed fedex prepaid return envelope. I asked that the promptly endorse the checks and return them to me. I have not received a response. My XXXX has not been returned or shipped. After fronting {$28000.00} for repairs to my home while holding checks for {$26000.00} from my insurance company because DiTech wouldnt respond or explain to me how to get them endorsed, I began looking at alternatives. Through pinpoint searches on XXXX I managed to find numerous complaints from other hurricane victims whose checks DiTech would not cash or unreasonably delayed. The complaints are here : XXXX XXXX XXXX Same pattern. Same scheme. I suspect part of a coordinated effort to deny people their property when they most need it and earn interest of consumers money.This is unacceptable. I requested that you investigate DiTech 's practice in this area immediately.I am a XXXX with some financial means to pay these bills, but I can not imagine how difficult it could be for a lay person to navigate these obstacles and delays by DiTech. Especially at a most vulnerable time post storm. This is not DiTech 's first problem in this area. The CFPB has disciplined them before. They apparently have not learned their lesson or corrected their behavior. The CFPB should throw the full weight of the agency at repeat violators.
06/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 97702	Web
Many phone calls have been undocumented, but emails, faxes and written letters have. I noticed XX/XX/XXXX that monthly payments were not coming out by autopay from my XXXX account for 3 mo, but were being paid, according to Ditech ( coming out of someone elses account ). There was an account number mistake. So XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was unpaid by me from my XXXX account, despite being set up for Autopay. I called and made a lump sum payment on XX/XX/XXXX of {$5500.00} being for XX/XX/XXXX {$1800.00}, XX/XX/XXXX {$1800.00}, XX/XX/XXXX {$1800.00} After that regular payments were made by autopay out of the XXXX account. XX/XX/XXXX, email from Ditech to me, response to my contact regarding XX/XX/XXXX payment. Ditech says a payment was returned. My bank records show all payments were made and I supplied Ditech with my bank statements to prove this. Ditech said they would respond by mail. XX/XX/XXXX. Letter from Ditech. Received my question XX/XX/XXXX will respond within 30 days. XX/XX/XXXX. Tracking Reference # XXXX ( Email ) In response to your phone call XX/XX/XXXX, we have completed our research and have resolved the issue ( s ). Sincerely, Ditech. It was not resolved. Ditech maintained that a payment was returned. XX/XX/XXXX. Letter from Ditech. XX/XX/XXXX Ditech says they received my payment from XXXX {$2100.00} which was applied to the XX/XX/XXXX payment. XX/XX/XXXX Ditech says they reversed {$1800.00} for the payment received XX/XX/XXXX! They say they were notified XX/XX/XXXX, delayed more than a yr! This payment should have been reversed a yr ago along with 2 others that had been paid by someone else. All 3 pmts that were missed due to an account # mistake were pd in a lump sum XX/XX/XXXX. I have no idea what they did on their end ( Ditech ) with the payments that were received from someone elses account for those 3 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XX/XX/XXXX Letter from Ditech saying I have a missed payment of {$1800.00} ( amt of XX/XX/XXXX pmt ) along with a late fee of {$89.00} for a total of {$1900.00} past due. There was no indication of when this late lack of payment occurred. Only now am I figuring it out. Spoke w/ XXXX XXXX Ph XXXX after receiving the letter. Mentioned there was an audit and in XX/XX/XXXX there was a reversal XX/XX/XXXX for {$1800.00} ( the XX/XX/XXXX payment that was paid by someone else from another account ). XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Letters from Ditech notifying me of a missed payment, past due amount {$1800.00} Not even sure where this amount comes from. It's not any of the 3 payment amounts from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX Called Ditech. Spoke to XXXX XXXX XXXX. Told me I needed to submit a written dispute for missed payment from XX/XX/XXXX ( which was wrong, was XX/XX/XXXX ) with supporting documentation of bank statements ( which I did, but I provided what he asked for, which was XX/XX/XXXX-XX/XX/XXXX ) instead of XX/XX/XXXX. I submitted the dispute in writing by certified mail and email to XXXX@Ditech.com XX/XX/XXXX I tried contacting them again and received an email XX/XX/XXXX RE : Written dispute for missed payment. Thank you for your correspondence. Your documents have been forwarded for appropriate processing. XX/XX/XXXX Another Letter from Ditech notifying me of a missed payment, past due amount of {$1800.00} another random amount that doesn't match anything. XX/XX/XXXX Letter from Ditech with a packet of papers ( 13 pages ) detailing the payment history for the account starting XX/XX/XXXX to XX/XX/XXXX. Shows the payments made ( not from my account ) for XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. Then my lump sum payment of {$5500.00} XX/XX/XXXX which was all applied to principle, which was then reversed ( returned check ) a day later. On the same day XX/XX/XXXX returned check totalling {$1800.00} ( the XX/XX/XXXX payment ). On XX/XX/XXXX payments were made from suspended funds for {$3700.00} however it does not add up to the XX/XX/XXXX/XX/XX/XXXX amounts should have been {$3700.00} Then a returned check on XX/XX/XXXX a year later for {$1800.00} the amount of the XX/XX/XXXX payment. I've paid every amt each month since XX/XX/XXXX and the slate should be clean. To resolve this matter 1. the XX/XX/XXXX payment of {$5500.00} needs to be reinstated and applied to the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments for principle, interest and escrow. There was no missing payments ever. I do not owe Ditech anything other than monthly payments which have always been on time and paid by autopay from an account that has always had enough funds to pay. I am willing to provide any documentation necessary to prove I have paid every monthly payment on time to the full amount. 2. Remove any late fees. 3. Apply the unapplied amount to resolve the XX/XX/XXXX payment that should have been paid, not returned. 4. My credit report needs to be restored, remove any evidence of late payments, and restore my credit score history as regards to accounts with Ditech.
09/09/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60142	Web
XXXX/XXXX/XXXX Re : Ditech Financial - Failure To Pay Property Taxes To whom it may concern, I was notified by Ditech that my loan payment was changing due to an escrow surplus of {$6800.00} from my mortgage statement date of XXXX/XXXX/XXXX. Ditech listed my loan as tax exempt ; my property is not exempt from taxes. I then started calling Ditech regularly beginning XXXX/XXXX/XXXX to resolve the discrepancy between the exemption status and my loan payment. It was at this time that I researched my loan parcel through the county, only to uncover that Ditech had n't paid the first installment of my taxes due in the amount of {$3100.00}, there was a penalty amount of {$140.00} on top of the amount due and the second installment was due in the amount of {$3100.00}. I 'm also in the process of refinancing this loan to a more affordable monthly payment with a new lender, and in order to close this refinance the tax bill had to be paid. I spoke to XXXX on XXXX/XXXX/XXXX who said the county said I was tax exempt, but I explained to her that the documents Ditech received that said I was exempt from taxes were read wrong. The year prior, the XXXX asked for 136 sq ft of my property, to widen the road in front of my house. The little bit of land XXXX less than 3 ft ) was tax exempt, NOT my whole house. I spoke to XXXX at the county assessor 's office to help clarify the issue, he said Ditech was provided the appropriate documents to pay the taxes due, that they clearly explained the parcel number change and that only a small portion of the parcel is tax exempt ( the 3 ft in front of the house ). The county provided the updated parcel number to Ditech along with the documents necessary which show the taxes due. I then spent the next month and a half on the phone for hours on end to help Ditech pay the unpaid tax bill with phone calls on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... hours on top of hours to rectify the escrow account, pay the taxes and correct my loan. I have spoken to XXXX XXXX a XXXX in the XXXX, TX XXXX XXXX ), XXXX XXXX a XXXX too XXXX, XXXX XXXX XXXX also a XXXX in the XXXX XXXX ). I have had several escrow account reviews, all of which are incorrect, with the initial review showing a surplus to now a shortage in epic proportions. During the course of my phone calls to rectify the unpaid tax bill, I requested the surplus check in the amount of {$6800.00} to be returned to me on XXXX/XXXX/XXXX so that I could pay the unpaid tax bill myself. I received the check on XXXX/XXXX/XXXX and paid the tax bill on XXXX/XXXX/XXXX in the amount of {$6300.00}. Proof of payment is attached. My escrow account at the time my surplus check was received had a balance of {$670.00} XXXX this was my money leftover after the funds were distributed to me XXXX. On XXXX/XXXX/XXXX - Ditech then advanced my escrow account {$5700.00}, paid my taxes a SECOND time, thereby using the balance of my money in the account of {$670.00} and what they advanced me to drain my escrow account and pay the taxes I already paid, causing a huge shortage. I have been diligently keeping track of my escrow account and when I saw this duplicate payment I immediately notified them. I was told it would take 30 plus days to request the check back from the county, receive it and correct the escrow - but I do n't have 30 plus days to wait, so I put a stop payment on the original payment I made and asked the tax county to apply Ditech 's check to pay the taxes. At this point, because of the escrow advance of {$5700.00}, my escrow account now stands in a SHORTAGE OF {$9000.00}! I was notified I have two options to reduce this : option 1 is to pay the shortage of {$9000.00} and the other is to spread it out over 12 months thereby increasing my mortgage payment to {$2700.00}. This is completely unacceptable. I will lose my house, lose this refinance opportunity, all because Ditech read the tax documents wrong, refused to pay the tax parcel bills, refused to pay the penalty of {$140.00}, refused to correct my escrow account and now I 'm in a shortage of {$9000.00}! This company has no moral backing, every person I have spoken to knows nothing of what is going on, I have been unsuccessful at rectifying the lender 's mistake and now it will cost me my house. This is my last ditch effort, before I hire an attorney. My lender has been entrusted to pay my tax bill with the escrow money I put in monthly, only to take it upon themselves to refuse to pay the bill, refuse to correct their error, and then change my normal mortgage payment of {$1700.00} to {$1100.00} and now up to {$2700.00} because of their negligence handling my escrow funds. I would like Ditech to reimburse my escrow the money they " loaned '' me, in the amount of {$5700.00} along with the {$670.00} I had in there, totaling {$6300.00}. The error was made by them, they should run a new review of my escrow account after they replace the funds and correct my loan payment.
09/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ XXXXX	Web
My residence is located on XXXX XXXX XXXX XXXX, XXXX XXXX, New Jersey. On or about XX/XX/XXXX, an insurance payment in an amount XXXX XXXX XXXX XXXX and XXXX dollars was remitted to me ( XXXX ) and mailed to Ditech for co-endorsement. This was a result of water damage to my home caused by a broken water main pipe. I mailed the check for co-endorsement as directed by the insurers. On or about XX/XX/XXXX the check was returned to me by Ditech and deposited shortly thereafter, where it remains pending final resolution of insurance claim. Subsequent to receipt of the co-signed instrument on or about XX/XX/XXXX, I received a notice from Ditech advising of an escrow shortage that coincidentally, almost mirrored the amount of the insurance payment. The timing of the assessment and notice of the option of a one- time payment of more than six thousand dollars or a XXXX XXXX dollar increase in my monthly payment, prompted my request, for the third time in seventeen years for escrow cancellation. This unexpected shortage puzzled me, especially since I received an escrow surplus check in XX/XX/XXXX as a result of a reduction of XXXX On or about XX/XX/XXXX, I submitted a Qualified Written Request to Ditech for escrow fund cancellation. This, I hoped, would allow me to manage my escrow funds and realize the monetary interest benefit of same. The request was, once again, denied. Subsequently, correspondence from Ditech received on or about XX/XX/XXXX advised a review/consideration would be executed and results could be expected in mid or late XXXX. Unfortunately, two separate pieces of correspondence arrived, both dated XX/XX/XXXX : 1. Signed by XXXX XXXX, Customer Service Correspondence Supervisor indicated the following : Your request to cancel escrow has been forwarded to our Escrow Department for review. Our Escrow Department is scheduled to review your request writing 20 days. Once they have completed their review, you will be notified of their decision. 2. An anonymous response, dated XX/XX/XXXX erroneously noted that my initial request was received on XX/XX/XXXX. The request was received during the month of XXXX. In addition, the request for cancellation of escrow payment denial was buttressed with the statement that The escrow account, may also be called an impound or trust account. Moreover, without documentation or explanation the following items on the list of reasons : a. Payments in the past 12 months have been 30 days past due or significantly late. b. Funds have been advanced on your behalf to pay unpaid expenses and those funds have to be repaid. I am at a loss, based on the above, as to whether there is a culture of collaboration among the departments within Ditech that handle the accounts of so many working and elderly who struggle to manage their accounts in regard to their ability to live without the Sword of XXXX is wielded by a corporation that has not learned from its mistakes. There appears to be a lack of coordination, consistency, and an environment lacking in a milieu that encourages a service-oriented camaraderie that encourages productivity and a desire to excel. Over the past seventeen years, this mortgage has been serviced by, no less than three companies. This company, no matter what they call themselves, appears to be, as evidenced by published complaints, well versed in disservice, as opposed to service. After my complaint to your agency, some years ago ( XXXX ), I was inundated with mail regarding credit repair and loan information from XXXX/Ditech. Although I requested, in writing, and was assured there would be no more telephone or written solicitation that practice did not cease until XXXX. Presently, I do not anticipate a repeat of that behavior, as I deem it harassment. Finally, this inquiry is in regard to whether, as a consumer : a. I am entitled to a thorough and efficient review of my request. b. I am entitled to more than a check off list with expanded or documentation of the standards applied to the request were deliberately or capriciously dismissed, as evidenced by a written assurance of further consideration and a denial of request, dated on the same day. c. If Ditech has an obligation to delineate the nature of advanced funds for unpaid expenses that I am required to repay. It appears the climate at Ditech is one where the right hand does not know what the left hand is doing, so to speak. That being said, I have no confidence in regard to the results of the Ditech investigation of my ability to manage my escrow account. If would appreciate a clearly written explanation and documentation ( expansion ) of the reason for rejection. Any assistance will be greatly appreciated. Given the business dealings of this corporation, it is possible, not unlike humans ; the organization is capable of making an error.
11/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21229	Web
I, XXXX XXXX, am writing this letter to dispute the charges for the XXXX XXXX XXXX of {$2000.00} dated XXXX XXXX, XXXX. To resolve this matter, I would like all monies paid to the XXXX XXXX XXXX returned to me or applied to my principal balance immediately. Once this action is completed, please send me a letter specifying the amount reimbursed to me or credited to the principal balance of my account # XXXX. The preceding is a timeline of what has occurred and the actions I have taken to resolve this matter : On XXXX XXXX, XXXX, I filed a police report case # XXXX of the breakin and damage to my property in XXXX, MD. In XXXX, XXXX, after speaking with my insurance carrier, I cancelled the fraudulent claims made by XXXX XXXX to my insurance company for roof damage since there were no existing damage to my roof which I routinely maintain with asphaltic roof coating. In XXXX XXXX, after several months of discussing and providing proof of the multiple damages to my property, XXXX XXXX agreed to settle the matter with a lump sum payment. I submitted copies of : o Pictures of the multiple damages to several entry points, o The City of XXXX Police Report Case # XXXX, o Multiple estimates of {$3000.00} worth of damage caused by XXXX XXXX to several entry points, On XXXX XXXX, XXXX, I signed a notarized letter to XXXX XXXX and received a payment dated XXXX XXXX, XXXX for the agreed settlement. During XXXX XXXX, after speaking with a Ditech Customer Service Representative, I was made aware of the Corporate Advance Fee of {$2000.00} that was charged to my Ditech account. I asked for a description of the charges. I was told to write a letter requesting a copy of the charges and fax the letter to ; Ditech, XXXX. Box XXXX, XXXX XXXX, SD XXXX, Fax : XXXX On XXXX XXXX, XXXX I faxed a letter to XXXX as advised requesting a copy of the Corporate Advance Fee. I received a letter dated XXXX XXXX, XXXX from Ditech stating the matter was being investigated. On XXXX XXXX, XXXX, I received a letter from Ditech indicating the charges of ; o Roof Work Patch Work {$1000.00} o Winterize Dry System {$250.00} o Lock Change {$40.00} o Treated/Cleaned Discoloration {$220.00} o Cap Sewer Line {$100.00} o Cap Water Line {$150.00} o Change Additional Lock {$120.00} o Replace Chimney Cap {$250.00} Total {$2000.00} On XXXX XXXX, XXXX I called Ditech to exclaim my shock when I found out that the Corporate Advance fee was for work that was never done to my property. o At no time was there any improvements made to my property by Ditech or XXXX XXXX with or without my knowledge. o I asked the Ditech representative for copies of pictures of the before and after work that was completed. They said no pictures were submitted by XXXX XXXX o I asked the Ditech representative for copies of the receipts of the work completed at my property. They said no receipt was provided by XXXX XXXX o I asked the Ditech representative for copies of the authorization to complete the work, and again the Ditech representative wasnt able to provide proof of authorization to complete the work stated above. o The Ditech representative said they received a bill without any documentation or proof of work from XXXX XXXX Ditech paid XXXX XXXX the invoice without documentation, then they billed my account with a XXXX XXXX XXXX. I asked the Ditech representative for a full refund of the Corporate Advance Fee, since none of the above described work was ever completed at my property by XXXX XXXX or anyone else with or without my knowledge and authorization before or after the damage to my property in XXXX, MD. o Instead of resolving the dispute with a full refund to me or credit to my account, the Ditech representative asked me to submit proof of : The damage and breakin to my property that was reported on XXXX XXXX, XXXX to the City of XXXX Police Report Case # XXXX. Copies of pictures showing the damage to my property caused by XXXX XXXX. Copies of the Receipts of the XXXX to Repair the damage to my property caused by XXXX XXXX Copies of the settlement letter dated XXXX XXXX, XXXX, for the settlement paid to me by XXXX XXXX for the damage to my property reported on XXXX XXXX, XXXX to the City of XXXX Police Department. And to email the documents to Customer.Service@Ditech.com or fax directly to : XXXX. As requested, the following attachments are submitted for your review and use : o The City of XXXX Police Report Case # XXXX, o Copies of pictures showing the damage to my property caused by XXXX XXXX o Copies of the Receipts of the Estimate to Repair the damage to my property caused by XXXX XXXX o Copies of the settlement letter dated XXXX XXXX, XXXX, for the settlement paid to me by XXXX XXXX for the damage to my property reported on XXXX XXXX, XXXX to the City of XXXX Police Department.
11/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29203	Web
In XXXX, I owed {$38000.00} on my house when I left chapter XXXX bankruptcy. Under advice of my attorney, I did not reaffirm the loan due to house not being worth the loan value. Over the next couple of years, I tried to negotiate with XXXX XXXX XXXX to keep my house. I filled out several loan modification applications and submitted them to the bank. In XXXX, I hired an attorney to assist with the loan modification process because of their constantly making me redo the application. That same year XXXX XXXX XXXX foreclosed on my property and during the foreclosure they transferred the loan to Green Tree Servicing. My attorney submitted the application to Green Tree several times and in XXXX, they denied my application. My attorney advised me that Judge XXXX had setup a portal to monitor the banks handling of the process and I was forced back into bankruptcy. We had to make trial payments before being accepted into the process and on XX/XX/XXXX I signed the modification. At this same time The FTC entered into a settlement agreement with Green Tree which was signed on or about XX/XX/XXXX. In this agreement Green Tree entered into settlement in part for Green Trees misrepresentation of inaccurate amounts reported against loans they serviced. On XX/XX/XXXX, Green Tree signed the modification and increased my loan from {$38000.00} to {$59000.00}. I have not received any money from the settlement even though servicing of my loan by Green Tree fell within that time period during foreclosure they did not honor the in-process loan modification from XXXX XXXX XXXX. We continued to struggle, and we had to have the loan modified again. Our loan was now being handled by Ditech and on XX/XX/XXXX the new modified agreement was increased to {$62.00}, XXXX. During the whole time we tried to get Green Tree and/or Ditech to explain why this extra money was added to our account. On XX/XX/XXXX of this year, I had to let the house go and I signed a deed in lieu of foreclosure. When I signed the papers, I was upset because I bought this house when I was XXXX years old and lived in for over 30 years.. I asked for copy of notarized paperwork from the notary who told me that he was under orders not to give me a copy. To date, ditech has never sent me a copy. In XXXX, Ditech filed foreclosure against me with my loan now being {$68000.00}. I filed a counter claim against Ditech ( see attachments ). On XX/XX/XXXX I received notice from one of Ditechs attorneys that I have no right to sue for Ditech misrepresenting money owed on my loan and/or previous violations of the FTC settlement which they have intentionally ignored and misrepresented amount of my loan plus reported these inaccurate amounts on my credit report. In Summary, when I left bankruptcy in XXXX the loan was {$38000.00}. The court would not approve the amount as it was higher than the actual value of {$20.00} - {$25000.00}. Instead Green Tree/ Ditech have used the loan modification process to obtain more than my loan was valued and more than the bankruptcy court would allow to reaffirm the loan. Furthermore, the Hamp program was offered to consumers to save their home which included the following provisions : 1. Reduce Mortgage Principal 2. Reduce Interest Rate 3. Temporarily postpone or offer forbearance 4. Extend terms of current loan On XXXX of XXXX, XXXX XXXX made available to consumers principal reduction modification which I would have been eligible for in the second modification but was never offered in my second loan modification. Despite knowledge of the requirements imposed through the Consent Order that was settled on XX/XX/XXXX, Green Tree - Ditech have continued to defrauding consumers by : 1. False representation of amount owed on my property through the loan modifications 2. Failure to abide by the order and issue money to me in accordance with the settlement 3. False or inaccurate information being reported on my credit report 4. Not abiding by modification rules to reduce principal Finally they have misrepresented to the bankruptcy court that they are acting in good faith but they are using the court to cause willful and malicious injury to the consumer by not allowing them due process in filing counter claims to preserve their rights to sue for damages arising out of their continued and willful violation of the Consent Order signed with the FTC on XX/XX/XXXX. Please also note the facts and evidence attached with this complaint. XXXX XXXX XXXX XX/XX/XXXX 1. Loan_Principal_XXXX { PLEASE NOTE REFERENCES ARE TO ATTACHED ATTACHMENTS } 2. Br_notes_Redacted 3. dismissal_loan_mod 4. Judge_XXXX & Guidelines Bankruptcy Judge 5. Loan mod 6. XXXX XXXX. Complaint-foreclosure 8. Counter Complaint 9. XXXX 10. Principal increase 11. HAMP 12. XXXX 13. Bankruptcy stay
10/19/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	WA 983XX	Web
On Friday XX/XX/2018 I was contacted by Ditech ( email will be attached ) because I had applied for a HEL through another company on a home that Ditech holds my first mortgage on. They were kindly but aggressively trying to persuade me into not doing a HEL but instead doing a cash out refi through them. After negotiating a good deal with a good locked in rate, manager approved lower closing costs and a promise that it would cost me anything or harm me in any way to just let them start the process and show me that they could produce a great deal for me we decided to agree. We spent the next almost 2 months diligently responding to every request they had and quickly providing them with every last absurd document request. They would NEVER except bank print outs from our online banking so we had to go to the bank every time to get it printed on bank letterhead. We live 15 miles one way from the bank, had to leave work to accommodate their constant requests and at time cancel our other life 's commitments in order to do our part in assuring that this loan closed. We were asked to have notary used, " source '' everything according to what Ditech said was " XXXX XXXX guidelines '' and resend documents that they already had on file. Ditechs constant used excuse was that everything was a " XXXX XXXX Guideline '' I contacted other mortgage professionals and asked all of our banks and credit unions about what Ditech was saying and they all said " no '' they are using that as an excuse those are NOT XXXX XXXX guidelines. I researched it on XXXX XXXX web site and it did appear to be a fact that Ditech was lying. We were told that funds that I had in a joint account and in accounts that I hold with minor children could not be used to verify reserves being requested even when the credit union holding those accounts wrote a letter stating " yes these are her funds '' and said they except those types of funds all the time. We were then able to verify funds through accounts in just our names. So then Ditech moved to a different topic to scrutinize. After multiple trips to our banks they began laughing every time we would come in saying " oh my what are they making you do now? '' Then we paid an IRS debt off with funds from one of those joint accounts, not wanting to touch our solely personal accounts to do so. Showed a XXXX balance with the IRS but was finally told the loan couldnt go through because we had used a non approved account to pay that debt. They stated it was XXXX XXXX guidelines and when I sent proof that it wasn't a XXXX XXXX guideline they then said well it must be a ditech guideline. When I asked to see proof of their guidelines I was told " I don't have access to that, sorry ''. I have dealt with 2 loan processors, XXXX XXXX and XXXX XXXX along with their managers and a 3rd manager, XXXX XXXX, XXXX XXXX and I do not have the others name. I started sending emails and leaving voice mails 3 week ago asking what was going on and if for some reason they were not wanting this loan to close because the absurd running around, stress, life disturbances and financial losses they were causing were becoming immense. I was constantly told how sorry they were that it was just needing to adhere to XXXX XXXX guidelines and that they did want to close the loan. I expressed that rates had gone up and that if I needed to look to another company for a loan that I needed to do so asap because rates were climbing. Now 1 week before my rate lock with Ditech was to end I am told because of the IRS payment being made from and account with mine and my minor daughters name on it that the loan couldn't close. Every absurd request they had I met all while thinking that they were intentionally trying to beat me down and make me give up, which I didn't. Then finally once I did what they told me to do ( I was told the IRS debt either needed to be paid in full, set up to be taken out of escrow, or a payment plan refactored into the loan application ) When XXXX from ditech told me these options we both agreed that paying the bill in full immediately would be the quickest way to move forward with closing the loan. Once I paid it in full Ditech used the excuse of the account I paid it from being unacceptable even though the Irs showed a XXXX balance and the bank holding the account I paid if from writing a letter stating that it was my account. They finally had an action that I couldn't fix or change to use as their excuse to not close the loan. Everything else about us qualified and was approved to close. Now we are shopping the deal again and rates have gone up a full point or more, we have wasted months of time, resources, life and stress. I am attaching 2 emails but have 2 months worth of correspondence proving these issues if needed
09/25/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	OK 747XX	Web
We have been trying to get a loan modification on our home since XX/XX/2018. Once we filled out the loan modification application we were told to check back weekly on the status but that it generally takes 30 days for the processed to be completed. I have called this company weekly to inquire about the status of the loan modification or loss mitigation process. It was only through these calls that I made that I was able to know about what was going on in the process as I did not receive any calls regarding how it was progressing. It was only through My calls that I would find out that the company would or would not require any additional information. I submitted our pay stubs several times and even submitted a report from my husband 's employer when I was told that Ditech was unable to read the dates on my husband 's pay stubs. We had to fill out another completely new form at one point to start the process all over because, after a call to the company, we were told about the issue with the pay stubs. Then the company told us at one point during one of my many calls to them that our house had gone into foreclosure and not to send any more money in as it would only be returned. Not once did we receive any documents stating this fact. Because of the time that the company took to make a decision on our loan modification and their stating not to send any more payments has caused us to be several months behind on our payments. This has escalated the amount that will now be due to reinstate the loan to an amount that is ridiculous. Had the company excepted payments this amount would not be so much. It is due to their lack of communication either verbally or written that and their lack of timely processing that has allowed our house to even get close to the foreclosure status. I previously had requested a copy of our loan and never received it. Today before filling this complaint out I called the company to inquire about what type of loan that we had. I was questioned by the representative as to WHY I wanted to know what type of loan that I had. She kept asking what I needed this information for. Regardless of what the reason or why the reason I had the right to inquire and obtain this information. This company has not been consistent with the information that has been given to me over the phone about my loan modification process and I have found that I need to call at least twice if not three times back to back and ask the same question then take the one that matches the answers from at least two representatives. We were given a name and direct number and extension for our account representative but was only able to reach him during this process a couple of times. Our representative did tell us that if someone else took the call and that we needed to speak with him directly that we were to instruct the rep that took the call to email him and tell him that we needed to speak with him so he could call us. We even met with problems with other reps that took our call when I asked to have them email him. One even told me that there was no reason for him to email our rep in charge of our account because he would just tell us the same thing that he had. We never got a call from our rep over our account on any of these occasions. I believe this company deliberately withheld our loan modification with their lame excuses so that our house would go into foreclosure. All we wanted was a chance to get current and to continue to make our house payments so we could remain in our home. I know everywhere that I look online that countless people are or have had problems with this company and I think its time that something is done to help the people who are honestly want to make their house payment and remain in their homes. This company also paid our taxes one time because we had overlooked them. Since then the company pays our taxes before the due date and we never even see what our taxes are because we don't see a statement for the taxes. They refuse to allow us to pay the taxes. They add this amount to our monthly amount due. They also added insurance on our house when my husband was on workers comp. We found out that the company that paid the weekly benefits on the worker 's comp and were also the company that we had our home owner 's insurance with were not taking it out of the weekly benefits as they had been doing on his work check, therefore, our coverage lapsed. They chose an insurance company that was expensive and offered no coverage except on the home. Then once we filed a claim with the insurance company on our roof, the mortague company held the check XXXX and refused to sign it and return it to us so we could pay our contractor, stating that this is their policy and that they would pay the contractor.
01/03/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 20715	Web
Our complaint is about the incorrect and misinformation provided by Ditech representatives when we were trying to pay on our loan and ultimately bring it up to date. The Ditech Representatives recommend we apply for loan mitigation which took months and now the mitigation was denied. Now we owe {$43000.00} and our home is about to be foreclosed. We could have paid the overdue amount in XX/XX/XXXX but we followed the recommendation of the Ditech Rep. After being in great standing with our loan for over 15 years, we had some misfortunes caused by loss of employment, medical expenses, and helping elderly parents with their finances. We had fallen behind in our payments but where in constant contact with Ditech on what we could pay. We were trying to make a payment every month to catch up. The first occurrence of incorrect information was made by XXXX at number XXXX ext. XXXX in XX/XX/XXXX. She informed us that we needed al least a minimum payment of {$3600.00} by end of XX/XX/XXXX to avoid going into foreclosure. We provided the payment and made it on XX/XX/XXXX. We were told later the payment had been denied and had not been credited toward our account. We contacted XXXX asking her why the payment had been denied. She stated that she had made a mistake and due to the type of loan that we had, we needed at least half what we owed to avoid foreclosure. She said this was her mistake and she would try to find out what happened to our payment. At this time our goal was to come up with the remainder of the money to avoid going into foreclosure. The check was eventually returned to us. By XX/XX/XXXX we had the money ( {$23000.00} ) to make our loan current because they would not accept partial payments. We contacted Ditech for next steps. This is the next occurrence of misinformation and incorrect recommendations. This time we spoke to Senior Account Representative XXXX at XXXX ext XXXX. He strongly recommended that rather than tying our money up that we do a loss mitigation assistance process. He specially stated that we refinance the loan and add the current amount due to the end of the loan since we only had 13 years remaining on the loan. We asked should we just pay the overdue amount and make the loan current. He stated he had been a representative for over 15 years and this was a text book solution for our situation. At his recommendation we went through the loss mitigation assistance process and ask for a loan modification. We were found ineligible because even though we provided a signed contact of employment we were told they could not use projected future income. The Ditech representative we spoke to said we needed at least four weeks of pay stubs and the case would be reopened after the pay stubs where received. We provided the requested information ( pay stubs ) that verified a gross income of {$3600.00} per week and {$15000.00} a month on XX/XX/XXXX. Our combined verified monthly income totaled {$19000.00}. After we submitted the information, we contacted Ditech to ask the status of the mitigation. We were told the case had been closed and could not be reopened. We pushed back that we were told that once we sent in the verified income the case would be reopened. But now they were telling us we had to start the process all over again because 30 days had passed since the process was closed. We gave them the date when the letter was received and when we spoke to Ditech representative which was XX/XX/XXXX. It had not been 30 days. The 30 day time frame was XX/XX/XXXX. The Ditech representative said they did not have the XX/XX/XXXX letter in their system. They only had XX/XX/XXXX letter in their system. We told them we would send them the XX/XX/XXXX letter. The representative said that would not work because only what was in their system mattered. Our only course of action was to submitted the entire package again. We resent the entire package ( 96 pages ) on XX/XX/XXXX. On XX/XX/XXXX we received a letter stating we were ineligible for FHA standard modification due to Your front-end debt to income ratio is in excess of 40 %. We called XXXX XXXX to find out what is going on. She has not returned our call. This entire process could have been avoided if we had just paid the {$23000.00} amount in XX/XX/XXXX and not followed the recommendation of the Ditech Representative. It is very difficult to reach our Account representative XXXX XXXX at ext. XXXX and each time we called her we were routed to a different account rep. We had to explain our situation each time to the different representatives. This resulted in confusion and misinformation. The communication and information provided Ditech Representatives was misleading and wrong which resulted in us being in foreclosure.
05/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT XXXXX	Web	Servicemember
This is follow up to complaint XXXX that was closed before the issue was resolved to my satisfaction. I contacted Ditech on XX/XX/XXXX to inquire about removing the PMI from my mortgage. My property value had dramatically increased and I was quite certain the loan to value ratio had more than been met to remove the PMI. I was told to obtain and submit an appraisal on the house. I questioned them about whether I could do it myself or must go through Ditech and they put me on hold to verify. They came back and told me to do it myself and the PMI would be removed once they received the appraisal verifying the values. I had an appraisal done the following month that showed the value high enough to remove the PMI. But Ditech says they received the appraisal in XXXX ( though I am quite certain I faxed it in before that time ). And they came back by phone to tell me that the appraisal was being rejected because it was more than 90 days old. I got off the phone and searched their website for where it says in writing that the appraisal must be less than 90 days old. I never found anything ( which makes sense considering that Ditech admitted that there has NEVER been a policy allowing a customer to obtain their own appraisal, it has always been required to set it up through the company. They admitted that the agent misinformed me on that first phone call ). And when I received the call from ditech informing me that the appraisal was being rejected, NEVER AT ANY TIME did they inform me I was not supposed to obtain and send in my own appraisal. So at my husband 's urging, I scheduled another appraisal to be done the next morning after the phone call. I was dismayed to receive in the mail AFTER THE SECOND APPRAISAL was already completed a form with a checklist of what to do to have the PMI removed that included contacting Ditech to arrange for an appraisal. I was never told I could not arrange my own appraisal. This was the first I had heard. I mailed the new appraisal in along with the checklist making notations that I was not told I needed to go through ditech to schedule the appraisal. Ditech shows record that they rejected the second appraisal because they don't accept appraisals scheduled by the homeowner. But Ditech never bothered contacting me by phone or in writing that they received and rejected the second appraisal. It was only months later that I realized I was STILL being charged for PMI. In response to complaint XXXX Ditech admitted that I was told wrong by the agent in XX/XX/XXXX and never at any time has the homeowner been allowed to obtain their own appraisal and not to schedule it through Ditech. But they have told me over and over again that I was told by the agent on the XX/XX/XXXX phone call that the appraisal must be less than 90 days old. When I asked for a copy of the call to show proof of this, I was told calls are proprietary and not shared with the public. But I know for a fact that I was NOT told that the appraisal must be less than 90 days old. Why would he mention this if there isn't even a policy allowing homeowners to send in their own appraisal? It doesn't make sense and it is a lie. Later, in the same response to complaint XXXX, the paralegal wrote that I was told " the appraisal must be less than 120 days old '' in the phone call dated XX/XX/XXXX. Their lies are contradicting. And it makes me upset that after months of trying to work this out when I finally ( FINALLY ) got a phone call from ditech, they told me they could not continue the call if I was recording it. Can you blame me? They can record calls but won't provide them to me when requested. But it isn't ok for me to record our calls??? Although Ditech did pay to obtain another appraisal last month and they did refund me on the second appraisal I purchased, I still submit that they should not have charged me PMI from XX/XX/XXXX - XX/XX/XXXX since they received an updated appraisal that was sent in good faith with ZERO knowledge that it would or could be rejected. The newest appraisal shows that the value on my house has gone up more than 20k since the XX/XX/XXXX appraisal was done. Ditech needs to take responsibility for the lies, the misinformation and the poor customer service. I did submit a complaint to XXXX XXXX XXXXXXXX that has had over 12,000 views. I also posted a link to this complaint on Ditech 's official XXXX page. There were 16 comments made to this XXXX post but Ditech has somehow made them private or hidden so that only two of the comments are visible ( see attached pics ). They have that right, but it is sad that they are unwilling to be held accountable for the problems they have caused.
12/13/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	IN 46375	Web
XXXX XXXX XXXX ( XXXX ) is refusing to postpone my sale date, although they are in possession of a full package for loan modification review. This is a direct violation to the National Mortgage Settlement ( NMS ) of XX/XX/XXXX, which prohibits the following abusive mortgage servicing standards. XXXX of XXXX, NMS, identified various abusive practices being performed by mortgage servicers such as XXXX, as well as other large banking key players which indulged in the same predatory practices as a whole. The wave of foreclosures exposed numerous problems : robo-signed affidavits that were turning up in foreclosure proceedings ; lost notes ; excessive fees ; dual tracking where banks would simultaneously pursue a foreclosure while telling the borrower that his loan modification application was still under consideration ; and the servicers generally not living up to their obligations as servicers. XXXX, has been in possession of request for assistant modification documents since XXXX XXXX, XXXX. However they have refused to process these documents and continuously proclaim to still be missing items. The items which are expressed to be missing are mixed and matched, meaning if 25 pages are sent and 25 pages show successful transmitted via fax, by the time the documents are uploaded by XXXX, only 15 pages have completed the process. In particular, we have had to resend the same copies of the XXXX form and all supporting documents, bank statements as well as proof of income 6 times all of which show successful transmission via fax. Bank statements have been sent multiple times with the same results. This has gone on since XXXX XXXX, XXXX. My account is being purposely overlooked because XXXX and their sister company formerly known as Green Tree ( XXXX ) are in collusion to foreclose on my home since there has been a gradual increase in my equity. Also if the force my loan into foreclosure, I believe that XXXX will filing a claim with Fannie Mae to cover the loan at the governments expense, which is considered a false claim against a government insured loan which violates servicing contracts had between XXXX XXXX and XXXX. Illegally forcing my loan into foreclosure is prohibited under consumer federal protection laws and also in violation to the Dodd Frank act of XXXX. My loan has never been modified in the past and XXXX, is using the abusive tactics of XXXX in order to violate the servicing rights between myself the owner of my loan XXXX XXXX. There are programs designed specifically for modification purposes of my loan under XXXX XXXX Im filing this complaint in part to also make Fannie Mae aware of the abusive actions of XXXX, as servicer of my loan. Our loan has also been transferred from multiple single point if contacts, which results in misapplication documents. Further the result of what may amount to thousands of documents during the duration of the request process from XXXX, has cost me financial detriment. Also we have our mortgage account has been charged more than {$15000.00} in junk fees not to mention the compounded interest which has been applied to our loan unjustly. XXXX, has committed this type of illegal financial enrichment on multiple levels surrounding the servicing of our loan. We do not have a single point of contact, there is a different spokesperson every time and inquire is made on my loan. We have even had this matter escalated to a manager by the name of XXXX ID # XXXX, on XXXX XXXX, XXXX, and stated all of the necessary documents were found and still nothing has been done to correct this issue. Today we called XXXX, and now were being told documents are not there and have not been received. Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. At this point we are seeking a firm to assist in filing a civil lawsuit against XXXX and company for collusion, misrepresentation, fraud and mortgage servicing abuse and various custodial servicing issues. Im completely done with the runaround and I intend to do something about it before I lose my home an all that Ive worked for.
11/15/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85032	Web
Account number XXXX XXXX and XXXX XXXX Complaint filed with the Consumer Financial Protection Agency New questions and follow up questions from first response. According to your letter, we and you show a 40 year modification was done in XX/XX/XXXX in your system but the credit reporting agencies are incorrectly showing a 49 year loan. Please send the big three credit reporting agencies the corrected information. Also, see page one of the transaction history under payment history where it says that the total payment due each month is {$2000.00}. Why was our payment each month from inception {$2000.00}? Why the {$33.00} difference? This email letter along with the transaction history from XXXX is in regards to your response dated XX/XX/XXXX. You needed dates of the $ XXXX fees that were eventually placed into Uncollected interest. And I have several new questions about fees charged and paid. Please send all The late charges of {$91.00} paid on XX/XX/XXXX was put towards Uncollected interest. Please see late charge dated XX/XX/XXXX was put towards Uncollected interest. Again on XX/XX/XXXX another {$91.00} late fee was put down as a late fee but on XX/XX/XXXX it was applied to Uncollected interest. On XX/XX/XXXX and forward dated on XX/XX/XXXX another {$91.00} late fee was put in Uncollected interest. On XX/XX/XXXX and forward dated to XX/XX/XXXX a doubled late fee of {$180.00} was applied to Uncollected interest. And again a double late fees of {$180.00} which was forward dated XX/XX/XXXX was applied to Uncollected interest. On XX/XX/XXXX another late fee was paid for {$180.00} and put towards Uncollected intetest. On XX/XX/XXXX forward dated XX/XX/XXXX I paid the late fee of {$91.00} then was posted to Uncollected interest on XX/XX/XXXX forward dated XX/XX/XXXX. On XX/XX/XXXX the late fee was posted to Uncollected interest again. XX/XX/XXXX and forward dated XX/XX/XXXX I paid another late fee. On XX/XX/XXXX a late fee was paid {$91.00}. I have run out of XXXX transaction history forward so I cant see if these late fees paid were put into Uncollected interest. Late fees are paid for one thing ... late fees not Uncollected interest. I want a full refund of all these late fees and any going forward that I dont have the transaction history to show how these late fees were handled. I ask for interest on the amount as well. On XX/XX/XXXX there is a misc receipt of {$720.00} then it was reversed, transferred to movement transaction. What was this payment and where did it end up? A movement transaction is not a holding account or was it used as a holding account? Please explain where it shows the money ended up. Again, On XX/XX/XXXX there is a reversal of {$970.00} then it was moved to a movement transaction and it just disappears with no further posting into an account. What was that money used for and where did it come from? On XX/XX/XXXX there is a fee charged for {$16.00} and it was paid on XX/XX/XXXX. What is this fee for because we hadnt been required to make a payment yet until the XX/XX/XXXX. It doesnt jive with a check being sent back to us of {$50000.00} they claim to have sent on XX/XX/XXXX. Again on XX/XX/XXXX a fee was billed for {$12.00} and it was paid on XX/XX/XXXX. What was this fee for? On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was billed a {$5.00} fee and it was pd on the same day. These transactions were forward dated to XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. What were these fees for? On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I was billed a fee of {$7.00} and they were forward dated and paid on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. What are these fees for? On XX/XX/XXXX there is a credit of {$30.00} listed under escrow distribution but the money was posted to the opt bal. what is the opt bal and where did my credit go? I want all theses fees returned with interest as well as returning to me the reversals of {$970.00} and {$720.00} listed on the transaction history and referenced above in this letter. Where on the XXXX transaction history does it show where my initial taxes, hoa fees, assessments, etc that was charged to us and paid at closing when we took the loan out in XX/XX/XXXX? These fees and charges should be listed in the beginning balances. Should they not? Also, when we took out the loan we paid points of {$2900.00} but XXXX sent out our amount of interest paid form for the IRS and on that form it had a box for points paid by us as a tax write off. XXXX left the points paid box blank. I would like a correction from XXXX so that I can refile my taxes. https : //ditechcs.sharefile.comXXXX XXXX XXXX XXXX Thanks, XXXX XXXX Sent from my XXXX
05/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20002	Web
For the tax year of XX/XX/XXXX, the District of Columbia Office of Tax and Revenue sent me a property tax bill of {$10000.00} ( for the second half of XX/XX/XXXX ) because they incorrectly deemed my property as vacant. Accordingly, my escrow service ( Ditech Financial LLC ) paid the amount of {$10000.00} to the District of Columbia within the appropriate time-frame. The payment was posted on XX/XX/XXXX. I subsequently contacted the District of Columbia and submitted the appropriate paperwork to prove that my property was in fact occupied ( and not vacant ) and the District of Columbia issued a corrected property tax bill in XX/XX/XXXX reflecting what the charge should have been for the second half of XX/XX/XXXX : {$1800.00}, and also acknowledging the amount of over-payment : {$8800.00}. After receiving this corrected bill and acknowledgement in XX/XX/XXXX, I contacted the District again to ask how I can get refunded for the over-payment. The District told me to have my escrow service request the refund from them since the escrow had made the actual payment. So in XX/XX/XXXX, I contacted Ditech Financial to request the refund. They told me that they do these types of requests all the time and that they work with the District frequently and were very familiar with refund process. Ditech told me they would request the refund from the District and the refund would probably take several weeks to process. XX/XX/XXXX rolls around and I receive my Escrow Analysis for the XX/XX/XXXX tax year from Ditech and they tell me that because of the $ XXXX payment in XX/XX/XXXX, my escrow was in arrears and my new monthly payment as of XX/XX/XXXX would go up about {$800.00}. I called them that a refund should have been requested and processed by now in order to avoid the massive increase in my monthly payment. Ditech claimed they requested the refund from the District but still had not heard back and that the District was likely still processing it. I did not trust this response and contacted the District myself and was told that Ditech never requested a refund at all. The District checked all the way back to XX/XX/XXXX and did not see any request from Ditech regarding my property. So on XX/XX/XXXX, I contacted Ditech and told them that they never made a refund request to the District. Ditech told me they had faxed the request in XX/XX/XXXX and numerous times after that. I called back the District and they said that they don't process fax requests and that all refund requests must be submitted via email at : XXXX. I called back Ditech and gave them this email and told them that they should have emailed the request instead of faxing it. Ditech claimed that they have a working relationship with the District and always fax their requests. Ditech also refused to contact the District themselves to verify that I was correct or to even directly speak with them to see what had happened, even after I had begged them to help me. However, Ditech told me that they would now submit the request via email. I called Ditech back the following day on XX/XX/XXXX to confirm that they emailed the request. They told me that they added the email to their notes and that it would go through at the end of the day. On XX/XX/XXXX, I contacted the District to see if they finally received my refund request from Ditech via email. They told me they had not and checked their records all the way back to XX/XX/XXXX and XX/XX/XXXX. I called Ditech and they told me that they could not determine if they had sent an email and their notes indicated that they would FAX a request. I told them this was unacceptable and they refused to connect me with a supervisor and claimed their back-end " research '' department was handling the issue. I gave them the email again and begged them to send the District an email requesting the refund and they told me to call back the next day to see if the email would finally be sent. This is unacceptable and they are refusing to help me get my refund. At this point I have overpaid the district by over {$8000.00} via my escrow account and am paying an extra {$800.00} a month on my mortgage to make-up for the deficit. I dont know how much longer I can afford this massive payment and Ditech is not assuring me that they will get me my refund. They refuse to email the District per my instructions and even refuse to contact the District themselves which they should have done from the very beginning. The District has been very helpful and accommodating to me, assuring me they will process the refund once Ditech submits the request, but Ditech refuses to do so.
07/25/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	VA 23324	Web	Servicemember
Ditech has XXXX up my account for over one year now funneling my payments into their unapplied funds account. Every month since XX/XX/XXXX XX/XX/XXXX, I have called and spoke to representatives, even supervisors and directors and was told that the continued error that they continued to make would be fixed.. It was not until I involved additional third parties ( the press, and social media ) they want to now act on the empty promises they provided me regarding correcting my account for months. In XX/XX/XXXX, a director and a loan specialist explained to me that Ditech has no way to recognize overpayments that have been sent to the company for years and never was a problem before but for some reason now is incapable to recognize. This was confirmed by your director XXXX XXXX director at Ditech and XXXX XXXX Senior Vice President Special Assets and Corporate Facilities, Security at XXXX XXXX who stated that her team oversees the practices of Ditech. Their errors have led to an incorrect XXXX being issued and needing correcting. Ditech reallocated my funds in or around XX/XX/XXXX and discovered that my loan was paid up 1 month in advance. I was told then that the reallocation would apply the payments that were originally applied incorrectly would now be applied correctly. That did not occur as evident with the increase in my principle balance. Let me pause here for a minute I find it odd that this company was sent an overage amount monthly for over 9 months and my principle balance would increase. The reallocation that Ditech alleges was applied correctly caused my account to go in default, caused late fees to accrue that I was never made aware of. They sent me four collection letters and even sent a representative to my home I presume to collect on account that turned out to be paid ahead. I called the designated parties on the collection letters multiple time, they were never available, had no voicemail, and when I was able to get a voicemail for someone, I never received a call back. After multiple attempts to determine the reasoning to why a party from their organization would come to my home unannounced and unscheduled I received a road block. Ditech attempted to provide me some ridiculous story that they are entitle to visit my home at any time to inspect my home. Well being that the company has been associated with break ins, a theft of homeowners belongs and unsolved murders, I took matters into my hands and filed a protective order against them. In XX/XX/XXXX, I received a notice stating my escrow was short and my payments would increase. I found this to be odd because again I have been sending an overage amount to the company for over 9 months why on earth would my escrow be short? I thought that was odd because I never received a notice indicating that my taxes would be increasing. I called Ditech and was told by three representatives that my taxes had increased. However, the city treasurer refuted that claim when they provided in writing that my taxes had remained the same. I Ditechs AVP XXXX XXXX at XXXX and asked him to explain and he alleges that they received my storm water bill and that the company would take over paying that. Problem was that I was already paying and had paid my storm water bill through web bill pay through my bank and my account was current. Again the company alleged that the city sent them the bill and was simply obliging by paying for it for me. That was refuted again in writing from the city treasurer who stated that it is not a practice of theirs to issue duplicate bills to the owner and the mortgage servicer. The treasurer however confirmed that Ditech requested my bill. So we return to how do we explain the shortage? My inquiries sparked another analysis to be completed on XX/XX/XXXX and I was sent a notice stating I was now in surplus of {$380.00}. Interesting! Then Ditech did another analysis on XX/XX/XXXX and I am now in a shortage again of {$240.00}. I have called and left a message on director XXXX XXXX director of customer service voicemail multiple times at XXXX and no return call, I have called XXXX XXXX the AVP of customer service multiple times at his number XXXX and no response, I have left multiple message for the VP of loan processing XXXX XXXX at XXXX since XX/XX/XXXX and I have NEVER received a call back from him. Ditech has attempted to contact my mortgage insurance company and request that the mortgagee be changed to multiple parties including Multiples affiliates and has ignored multiple requests of the names of their affiliates if it is to be listed.
11/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 179XX	Web
In early XXXX, I changed homeowners insurance companies to XXXX XXXX. Previously my homeowners insurance was through XXXX. Ditech paid XXXX XXXX for my new policy and directed me to sign and forward the refund check from XXXX to them. After the first check " not arriving, '' XXXX reissued me another refund check in the amount of {$760.00} for the homeowners insurance payment that was made on XX/XX/2019. I resent the check with a tracking number this time and it miraculously was received by Ditech and deposited into my escrow account on XX/XX/19. In the meantime, Ditech had provided me my annual escrow analysis on XX/XX/19, which we knew would be inaccurate due to the change in insurance companies and the refund not being received/deposited before the escrow analysis was complete. Included in the refund check deposited on XX/XX/19 was a handwritten request for Ditech to rerun my annual escrow analysis now that the appropriate funds were back in my account. This never happened. I logged into my account a few days later to see the {$760.00} that was just refunded and deposited back into my escrow had been disbursed via check # XXXX on XX/XX/19. After many phone calls I was able to finally speak to someone in the insurance department who had no explanation why someone had disbursed these funds and to who they had been disbursed. A customer service rep told me it was disbursed to XXXX XXXX. At this point I informed him we wired XXXX XXXX {$690.00} on XX/XX/19 and asked him if it made sense to him to pay XXXX XXXX not only twice but two totally different amounts, to which he said it didn't make sense to him. I contacted XXXX XXXX at this point, which to date never received a check. With the help of the woman in the insurance dept at Ditech I had my " stolen '' money ( {$760.00} that had been supposedly disbursed to XXXX XX/XX/XXXX via check # XXXX ) returned to my escrow account on XX/XX/19. I thought my problems would end there since I also indicated to them that my future escrow activity is inaccurate as it now shows the {$760.00} being my next distribution to XXXX XXXX rather than the {$690.00} that we actually paid and that that would need to be corrected and a new escrow analysis would need to be completed since the refund was not included in the initial analysis. I patiently waited a week before contacting Ditech customer service on XX/XX/19. To say the customer service rep was unhelpful would be too polite. He told me there was nothing he could do and that my account was still listed under review and it would be completed on XX/XX/19 ( over a week after my conversation with the woman from the insurance dept ). I asked to speak to a supervisor that was working on this previously with the insurance dept. To no surprise she wasn't in and he said he would leave her a message. I never received a call back. On XX/XX/19, a week later, I again contacted customer service because my escrow information is still not correct and a new escrow analysis has not been conducted. This gentleman tried to be helpful and tried to get my review expedited. He also informed me a request for a new analysis had never been submitted. While he seemed helpful, his hands were tied because he " couldn't even reach his supervisors '' to try to get my review expedited or to get me someone to speak to. The best he could do is put me through to their voicemail. While this was only at XXXX yesterday, I still have not received a call back and am not optimistic to receive XXXX. I feel like I have gone above and beyond to get this corrected with XXXX help from Ditech, aside from getting my " lost '' money replaced. My next payment due on XX/XX/2019 reflect a whole new payment based on this inaccurate escrow analysis. Ditech is now charging me {$100.00} more a month, which is in error. My escrow shortage was stated to be {$890.00} when in reality it should be closer to {$130.00}. They've given me the option to pay that shortage and have my monthly bill go up to {$820.00} or not pay the shortage and pay {$890.00}, which is the amount they are expecting from me on XX/XX/XXXX. I refuse to pay a shortage that is 8x what my actual shortage is and at this point I feel like I am going to be forced to pay a much higher monthly payment on XX/XX/XXXX because Ditech has failed to provide an accurate escrow analysis for over a month and a half. I have asked countless times now for a new analysis both in writing and verbally. I feel I have no choice now but to take my complaint to the CFPB as Ditech is clearly in violation of RESPA 1024.17.
01/03/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92084	Web
Hello CFPB, I am very appreciative that the agency exists to aid and empower consumers to protect our rights against these corporations that are on the verge of insolvency. Several mortgage servicing companies are underfunded due to the greed of the top stakeholders, and I have no choice in who services my mortgage. Therefore there is not a priority to provide centric customer service. I have been extremely patient with Ditech in hopes that whoever is reviewing my loss mitigation request determines that my case is acceptable mitigating circumstances, as the servicer is authorized to offer a mortgage loan modification outside of these requirements by submitting an application through XXXX XXXX XXXX XXXX XXXX XXXX for review and obtaining prior approval from XXXX XXXX. I sent a plea to Ditech on XX/XX/XXXX, and after several attempts to come to an acceptable resolution, the phone representative mentioned I could continue with escalating or submit a new hardship packet for review since 12 months have passed since my loan was modified XXXX. I sent my packet XXXX and did not receive a written acknowledgment, and when I do make contact with a phone rep, they mentioned they have received it but to give it time to confirm what is missing. More than 30 days have passed since the packet was sent and I do not know if it is complete or what status I am under and while my foreclosure is active. The last representative mentioned to me that I should be prepared for denial, because 12 months have not passed, which conflicted the information I acted on when moving forward with the loss mitigation package submission. I do not blame the individuals, because I understand they are overworked and the information is not properly transferred. Below is a copy of the request for an unusual hardship review sent for a plea for additional review : -- - Dear Sir or Madam, I feel that it is challenging for me to communicate by phone or the collection team thinks that there are no further options available for. I spent a significant amount of time researching my scenario so that I can accept the facts that and give me a piece of mind. I have attorneys contacting me, advising they can resolve my situation by force of litigation or bankruptcy, but require consultation with me. I do not want to go down a path that I feel is not necessary to resolve my matter. I am reaching out by the messaging center so that this written complaint can be routed appropriately, as I think the call center is unaware of exception reviews that my investor XXXX XXXX is open to review and consider. I would like Ditech to reconsider my situation and agree that it falls under an acceptable mitigating circumstance so that a request could be sent through XXXX XXXX XXXX XXXX XXXX for review. During the Trial Period Payment, I encountered life events that took their toll on me and impacted the performance of my payments. I can provide a detailed letter and supporting documents, but I am unable to upload within the message center. ( 1 ) XX/XX/XXXX, I learned that our {$19000.00} tax refund was compromised and is under investigation, as this classifies as identify theft. ( 2 ) My son was born in XX/XX/XXXX and my wife, and I began to have marital problems because no sight was going to receive our money. ( 3 ) XX/XX/XXXX, my wife and children left to live with my mother in law as the tension in our household increased. ( 4 ) XX/XX/XXXX, I became XXXX and applied for short-term XXXX with the state of California, I hope you also feel that there were some of the events were outside of my control. As of now, my family has returned home and now have the funds to make my last trial payment and first modified payment in XXXX. During the XXXX trial payment period, it was difficult to contact me because the medication needed to treat me made me very tired and dizzy. Therefore I was either sleeping or not in a position to hold a conversation. I returned the final modification agreement and was confirmed received on XX/XX/XXXX and during my phone call on XX/XX/XXXX I was not aware of the payment in XXXX NSF, as the represented call notes indicate he informed me. With a deeply heavy heart, I plea that Ditech and XXXX XXXX reconsider my denial and accept my final modification, under the condition I remit my XXXX trial payment and XXXX first modified payment. Kind Regards, -- - I can submit any documents upon request for review and I am available by phone anytime XXXX, thank you. The entire situation is causing me XXXX XXXX, please help.
09/27/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 21225	Web
Greentree was my servicer for my mortgage in XXXX, When I became unemployed, I contacted greentree and explained my situation. Greentree told me that there is a program for the unemployed that your mortgage will be in forbearance for 6 months which will give you the opportunity to gain employment and that I will then pick up at the 7th month and start paying my mortgage. Which I did and when I attempted to pay my first payment greetree refused the payment stating that I needed to pay the last 6 months in full. Which I was without any source of income for those 6 months. I was asked to pay {$6900.00}. Which was impossible. Greentree was incapable in assisting me I requested documentation regarding the rules for the unemployment forbearance. ( which I never signed any documents agreeing to anything this was done all via Call center ) I received a email onXX/XX/XXXX from Ditech Financial LLC that they was my new servicer. I applied for a loan modification in XX/XX/XXXX it took them 6 months to finalize the paperwork while I met and paid ALL streamline payments. When I received the loan mod documents there was some discrepancies regarding the numbers on the final documents. I wrote Ditech requesting a itemized break down of there numbers for this loan mod that I was approved for. Also faxed my request as well, ( with NO RESPONSE ) I called atleast twice a week since XX/XX/XXXX with no response regarding the issues. I continued to attempt to push ditech with documentation letters, phone calls still nothing. I had been transferred to multiple account managers over this time with again NO HELP!! I got a answer from My " new loan manager '' that the time for the approved loan mod had expired and that I pretty much needed to sell the property or deed in lieu. I rushed out and filed for Chapter XXXX so I would n't lose the only home me and my children have had for over 14 years. During this time I still received correspondence from ditech via mail. When I received my discharge I attempted to do a loan modification and was denied due to the fact the I did n't eliminate my financial hardship and my debts was a issue again ( chapter XXXX ) NO DEBTS!! I appealed that denial and they had until XX/XX/XXXX to respond per the letter Ditech sent me. On XX/XX/XXXX no decision had been made and no issues resolved. XX/XX/XXXX I finally received this letter regarding my appeal and was told " I am ineligible for FNMA that I needed a fixed rate '' That I also did n't qualify for a modification cause my principal and interest would go up '' But the modification that approved me for a year prior the P & I went up then and it was n't a issue, But I was n't signing that legal binding document due to the discrepancies. I have received multiple correspondence from ditech regarding my mortgage that makes absolutely no sense to me. When I question them regarding the discrepancies I am told send in written request ( which I had with no response ) I have held employment since XXXX my income has climbed significantly. All I have ever tried to do is pay my mortgage and bring it to current. With the approved modification I made ALL the stream line payments and additional payments pending Ditech to fix the issues on the loan documents. I have received a letter from Ditech on XX/XX/XXXXthat my loan modification package is complete and the evaluation process takes approximately 30 days, as this mess has continued due to Greentree ( which on XX/XX/XXXX federal trade commission settled a class action suit against them ) Come to find out Ditech Financial llc is ( GREENTREE ) and they are doing the same thing to consumers that Greentree has done and did. I called Ditech today to request the arrearage amount so I can get a loan cause I DONT WANT TO LOSE MY HOME!! I was told I had to pay all legal expenses ( what legal expenses ) I have never been contacted by an attorney and PER Ditech my home 's foreclosure process has been on hold and is still on hold to this day. I have followed all the requirements to attempt to bring my loan to current. I have contacted XXXX XXXX with several attempts to fix the issue. I just want to pay my mortgage I have proved to Ditech that I have been putting away my mortgage payments since they have refused them and placed said funds in a escrow account. I am praying that some one reads these documents and relizes the under handed stuff DITECH aka ( GREENTREE ) is pulling and assist me in saving my home. I have attached all documents to this complaint
06/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 99207	Web
Ditech has identified a short amount in my Home owners and county taxes. The sent a letter asking me what I can do and options to make it happen. I selected an option. ( 1 ) The options was not relayed on the invoice for the following month. When speaking to them, 3 employees said that they could not change what had happened and that it was a automated program that NO ONE has control of. Odd, computer programmer at Ditech has no control over their company?? This resulted in the payment being increased for an option that I DID NOT Choose. The 3 persons that I spoke to said again, they can not change it. It is part of the invoicing system. Well ... ..the did, in fact change it to OPTION 2. The fact is, it was changed. ( to option 2 ) So that is an incorrect statement. 3 times from 3 different persons.. When challenged to find out a person that can stop this I was sent to the " GOOD OL '' Dead end call by voice mail. No call back from that VM. The Ditech company has not intention fo changing these issues. They are intentional. This may seam trivial. But, in fact, it is NOT! This is a huge issue. There is small portions of money from all mortgages that are incorrect. The consumer may of may not have selected an option. Or ... overpaid. The money is not offered to the consumer but is applied as the servicer determined. I'm sure this is a CEO or CFO that makes this decision. Also, even small amounts are not processed properly when spread out over large amount of consumers the amount is HUGE! Logic dictates that if they can change it payments up, ( option 2 ), they could have completed the option I selected to the correct statement. ( option 1 ). ( See Attached ) Why is this an issue? I have to call Ditech for other processing error also. BIG ISSUES! Ditech is sending invoices out as fast as you make payments. I have been engaged in 2 calls with this company in regards to LATE PAYMENTS. When in fact they had collected the money per their invoices and in their own statement said " they can not apply the amounts that were sent because of XXXX XXXX guild lines '' They then applied monies to principle and told me that I had LATE PAYMENTS! This is harmful to everyone. I have to fight them, I have a late payment that looks bad, this is what happened to me on another home where the same lender and services have sued me and foreclosed on the property because of late payments. You can not refinance for 2 years with 2 plus late payments. This is BY DESIGN. Locked in the loan! By Design! They know I can not change my loan until XX/XX/XXXX My home is a former XXXX XXXX Home Loan from XX/XX/XXXX. I'm worth more dead that alive. Same with the other home I purchased with XXXX XXXX. When these loans where purchased by XXXX XXXX XXXX for 50-60 % of face value, it is easier to foreclose and collect the full face value of the not from XXXX XXXX or XXXX XXXX on a foreclosure. These issues are a set up for the servicer and lender to profit when the lock you into the loan that they purchased from the GOVERNMENT for WAY LESS that the face value of the note. SCAM! Wake up! This company was called XXXX XXXX XXXX prior to Ditech and was sued repeatedly for PREDATORY LOAN SERVING. ( OWNED BY XXXX XXXX XXXX ) This is what we have here again. I do not have time to see what the SCAM is this time, I sure do not want to have to fight them to correct their errors, ( Even if the service personal believe that it is a deity that is making changes to the computer programs ) and I will not act stupid to make them feel better with the incorrect statement that they make. Logic is true. I do not think ANY SERVICER OR LENDER SHOULD BE ALLOWED TO SEND INVOICES TO PERSONS THAT RESULTS IN A XXXX XXXX OR XXXX XXXX RULE VIOLATION. WHEN, IN FACT, IT IS THE SERVICER THAT CAUSED THE OVER PAYMENTS. THEN APPLY THEM TO PRINCIPLE AND CLAIM YOU HAVE A LATE PAYMENTS. WHY! Consumers should not need to look up these rules. Why must I, I grow tired of correcting the servicer and having to challenge unintelligent persons working there that will fight to prove that their illogical statements are true and that a deity is doing the programing at their company. ( must be an IQ test to work there and you need to be on the lower scale ) Please audit my file for the last 7 years. I have to call these people 2 times a year to correct issues. I DO NOT WANT TO BE TARGETED AND SCAMMED OUT OF MY HOME. HELP! HELP! HELP! XXXX XXXX XXXX See attached for loan information
01/29/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 970XX	Web
Ditech Complaint - Several Issues : 1. OVER CHARGED INTEREST : [ Refer to Letters dated XX/XX/XXXX, XX/XX/XXXX, and receipts dated XX/XX/XXXX, and statements dated XX/XX/XXXX to XX/XX/XXXX ] I made a {$40000.00} payment on XX/XX/XXXX, the day before my normal payment was due. My husband and I spoke with a Ditech rep that same day and they were supposed to apply it towards the payment that was past due and the current payment, and the remainder would go towards the principal. I was told it would take a few days to process but that the payment date would be reflected correctly, as XX/XX/XXXX. That didn't happen, they waited until XX/XX/XXXX to apply this payment even though they had the funds on the morning of the XXXX ( this was verified by our bank manager ). Then, for the subsequent two months, I was still paying the large amount of interest until the XXXX billing statement came out, almost {$500.00} in interest each month. In XXXX it finally dropped to {$150.00}. I have called several times. I always got a low-level representative that totally agreed it's all wrong, and they would refer it to a supervisor. Eventually I received a letter ( letter dated XX/XX/XXXX ). They stated they applied the funds correctly, and they sent an updated amortization table. I believe this table is incorrect. I wanted to speak with the department that was in charge of this mistake so they could explain their resoning. But as I said, whenever I call I only get someone who knows nothing. About 30 % of the time when I do call, I get placed on hold and then disconnected. It happened again tonight. 2. UNEXPLAINED AND UNAUTHORIZED REALLOCATION OF FUNDS : [ Refer to XX/XX/XXXX and XX/XX/XXXX statements ] On XX/XX/XXXX I made the XX/XX/XXXX payment. It was late, I had been waiting for the interest issue to get taken care of. I finally just had to pay it so it wouldn't reflect negatively on my credit. This payment was applied as expected. But then I made the XX/XX/XXXX payment on XX/XX/XXXX, a day later, and this is where the problem is. They only applied XXXX towards the regular payment, which is normally XXXX, and the remaining amount, XXXX was applied towards the principal. The next statement showed me owing a past due amount of XXXX ( and I am not sure where the difference of {$30.00} went ). I could not figure out the logic here. I called, again, and the rep could not figure it out either. They were totally baffled. They referred it up the chain. Again. On the XXXX statement, it appears to have been reversed. However, on XX/XX/XXXX I was assessed a late fee of {$5.00}. But my payments at that time were current. 3. THEY SENT ME A LETTER OF DEFAULT, SAID I OWED SEVERAL MONTHS : [ Refer to letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ] Even though I had been making ALL of my payments, I received the letter of default on XX/XX/XXXX and was unable to reach their office by phone due to the holiday weekend. I sent a fax letting them know how upset I was. I also called them the next business day. I was told that they had a software upgrade, and everyone got those letters, not to worry. Of course I was worried, I pointed out that they did not send a followup letter of explanation so I had no reason to disregard that letter. And I was concerned about my credit ratings. I considered filing bankruptcy proceedings to stop the foreclosure they threatened me with. Also, I had previously received some letters stating I was eligible for counseling, so I don't really buy into the " software glitch '' story. 4. UNEXPLAINED AND UNAUTHORIZED RE-ALLOCATION OF FUNDS FROM PRINCIPAL BALANCE INTO DEFERRED BALANCE : On XX/XX/XXXX there is a " Deferral/Rate Mod Partial Pays '' $ XXXX charge, and a " principal + Interest Payment of {$2300.00}. It looks like they took funds from the principal and moved it to Deferred Balance. Are they charging me interest on that too? I have no idea what this is or why. I called tonight talked to a rep named XXXX who of course was clueless, he thought it was very strange, and he finally placed me on hold to refer it to his supervisor. Then, of course, they disconnected me. It just never ends. I would like to know which government entity oversees/regulates this company. I would also like to know if there is an advocate resource available to me. I've included the statements going back to XX/XX/XXXX, and the letters I've received. Thank you in advance.
03/25/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 385XX	Web	Servicemember
In XX/XX/XXXX I logged onto the company website to submit my XXXX payment. I normally schedule these thru my bank. When I logged in, the amount showing due was double what it should have been. I checked the posted payments and noticed that they had not posted my XXXX payment ( the payment due XX/XX/XXXX ). I sent them a message thru their messaging section on their site and then, since I could not change the amount to pay on their site, I went ahead and scheduled the payment thru my bank. They replied to my XXXX message saying to send a copy of the check, but they didn't provide the " where '' so I sent another message in XXXX and requested an email address so I could send them a pdf of the front and back of the cleared check. No response. Due to a personal illness, I was late in getting my XXXX payment scheduled thru my bank, so I logged onto their site prior to XX/XX/XXXX to make the payment. It again displayed an amount double what it should have been and would not let me alter it. So I scheduled the XXXX payment thru my bank ( they sent it on XX/XX/XXXX ). I sent another message on XX/XX/XXXX when I noticed that the XXXX payment had not yet cleared my bank. I requested that someone contact me regarding my account but that did not happen. I thought about waiting before sending in the XXXX payment, but I don't like to be late. So instead, I stopped payment on the XXXX check and thru their website, on XX/XX/XXXX, I paid both XXXX and XXXX. I sent them another message on XX/XX/XXXX to this regard and notified them that I was stopping payment on the XXXX check that had not yet cleared. When I got to looking back thru the statements, and trying to figure out why they were suddenly having such a difficult time properly processing my payments, I noticed that they had changed my account number. The original account/loan number was XXXX. It was changed on the XXXX statement to XXXX. I called several times thru all of this, the last time I believe was in XXXX. The person I spoke to kept trying to tell me I was late but apparently could only access what I saw when logging in which did not show the XXXX payment. I asked if I could email him a copy of the cleared check, but that he couldn't do. So I told him I would get copies of all payments, front and back, of all the checks that had cleared my bank, beginning with the XX/XX/XXXX payment and thru the XX/XX/XXXX payment. Most of those were made thru my bank Bill Pay. Four were made thru their site. I sent a certified letter to the company on XX/XX/XXXX and included the printed copies from my bank of all the cleared checks, as well as the payments made thru the company site, along with a letter. I received a letter in XXXX from them stating that they couldn't make out the information provided from the copies from the bank. This just seemed another excuse by them. I could have sent screen shots of the cleared checks but expected they would want what the bank provided. The first week in XXXX, I received a notice that they were turning my mortgage over to a new servicer, and no payments should be sent to them after XX/XX/XXXX. My XXXX payment was sent to them prior to this date and has cleared my bank, but they do not show a XXXX statement and right now I don't know if the new servicer will show that payment or not. Today, XX/XX/XXXX, I received an email alert regarding my credit. When I logged in to check the report, it shows that this company has reported my account as delinquent and my score has dropped 77 points! I am NOT delinquent and I have been more than patient in working with them and providing the PROOF that all payments have been made. Talking to their agents did me no good and apparently neither did sending in the certified, written request with copies of the CLEARED CHECKS. Additionally, they have applied late fees to my account, totalling {$25.00}. I imagine that they have also transferred the wrong balance to the new company. I have had this account with them for years, and never had a problem until XXXX. By not properly recording my payment, and then not correcting it during the seven ( 7 ) months that I communicated with them, they have caused me a lot of time, grief, and frustration, and now, they have affected my credit! They ( them and companies like them ) should not be allowed to do this to anyone! My last name has changed but I have not submitted the paperwork to have it changed on their account.
05/29/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WY 824XX	Web	Servicemember
In XX/XX/XXXX due to the downturn in the oil industry we entered in a forebearance plan with our mortgage servicer Ditech Financial..we had 6 trial pay ments that would end in XX/XX/XXXX at which point as part of the forbearance we could pay a balloon payment or if our financial situation had not improved by then apply for a loan modification through loss mitigation.We made all six of our trial payments and began the process to apply for the loss mitigation.. from that point on we are consistently told a document was missing or something was n't filled out correctly or we needed to resend documents ... we did this over and over.. the modification itself was only supposed to take 30 days and in that time since we had no agreed-upon terms or amount to pay we would voice Our concern about it dragging out and it causing us to lose our home and they would always say that that was n't even on the table or that was n't in the works and that we would have many other options long before that happened.. we were constantly moved from account representative to account representative we hardly would be able to talk to the same people we were constantly being told different things by different people.. we were faxing things over and over and then we were told to upload and then we were told not to upload we were constantly getting different stories every time we talked to someone. Finally they said around XXXX or XXXX of this year they had everything that they needed and it would be going into underwriting and we would hear back in 30 days.. when the 30 days past we called and was told by somebody that they needed another pay stub which we sent and then called back and talked to somebody else and found out it was n't the pay stub it was supposedly the profit-and-loss and then we called and talked to somebody else and then it was the schedule C missing from our tax returns all while this was supposedly in underwriting! and then we eventually found out that we had been kicked out of modificatio n Again ... around this time we received a letter from an attorney with an intent to forec lose when we called one of the representatives he told us it was a formality and not to worry about it and that we would have other options and then another account Representative told us that there could be a sale date set at any time and that we would have to restart a modification all over again.. without guarantee of it being approved or we could reinstate the loan or do a deed-in-lieu of foreclosure.. we obviously chose to reapply for the modification not wanting to lose our home.. we sent in ANOTHER completed loss mitigation packet on XXXX XXXX well within 37 days of the sale date of the home ( which is set for XXXX XXXX ) .. again we were moved to another account representative and received no notification that they had received a complete modification pack ( only know they did because we keep calling ) and have only been kept up-to-date when we call in every week we have been told that they will not stop the foreclosure date just because the modification is in review and are now being told that it could take more than 30 days to review even though they have consistently told us that a complete loss mitigation packet would take 30 days to get an answer.. after researching and talking to attorneys it seems like this is in violation of dual tracking law.. we are trying everything we can to try to save our home and all we want to do is get this modification done and resume our mortgage and they are making it impossible to do and it is crazy to think we are going to lose our home when we just want to be able to pay our mortgage payments and that they have been the ones dragging this out and we have done everything they have asked us to do over and over again.. the last time I called on Friday to check in and make sure that they were n't saying anything was missing or incomplete my account representative was exceptionally rude and condescending and denied even seeing that there was any payments made on our account after XX/XX/XXXX a nd eventually hung up on me. At first we thought we were just having extremely bad luck but as things drug on it just seemed like things were n't on the up-and-up so we started looking into it and finding out that this is happening on a very large scale and that the company seems to be operating on border line fraudulent/illegal activity
08/22/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	LA 71111	Web	Servicemember
I have been trying to work with my mtg company just to figure out my options. They will not communicate with me. I send electronic messages through their website with no response other than the auto generated we have received your request. Same thing with postal mail. I get a letter that states my request has been received and will be answered in 30 days and after the XXXX days I just get another letter stating the same thing. I call the phone number and the person that answers tells me I have to speak with my assigned account representative and transfer me to said person whos name changes very frequently and I get voicemail every time. I leave messages with no return phone call. I submitted via their upload option an application for loan modification in XXXX with XXXX response. Strangely when I try to use the complaint system it gives an error and will not let me hit send. I have screenshots of all that has occurred on the website and voice recapturing a of all of my transfers to voicemails. I live in Louisiana and in XXXX after no phone calls again. I drove to the address on my bill in XXXX XXXX South Dakota and the building is deserted. I will include the transcript of the chat I had with them concerning this. I am also receiving letters stating my escrow account is in the negative and I need to pay thousands funny thing is I dont have an escrow account. I next got a letter stating that was a mistake only to once again get another letter that my escrow was behind. I fell behind due to a combination of the death of my spouse and job lay-off. During the entire time which started in XXXX I made a payment every XXXX days without fail. I just could never catch up the ones that were behind. So in XXXX of XXXX they offer me a loan modification and the loan XXXX who I spoke with on a weekly sometimes daily basis for 5 months instructed me over and over not to make my monthly payment because it would help to indicated my hardship and increase my chances of being approved for the XXXX modification. I expressed my concern about this several times only to be reassured that even if my application was not approved I would have other options and would not be expected to come up with any lump sum of money. I have recording of these conversations as well. Application was denied and I got a letter stating I had 30 days to come up with XXXX dollars. When I call to talk to the loan XXXX who promised this would not happen I was told he no longer worked there and we are so sorry but he advised you wrong. So off to an attorney my account went and the total amount I now owed was XXXX dollars. So I pooled every resource I had and took the money to an attorney in XXXX of XXXX told me I would be receiving a refund for them not having to pay to advertise my property and also for not paying the typical fees for sheriff sale. He said to expect around XXXX XXXX dollars back The paperwork stated this amount was to bring my account current through XXXX I was told my regular payments would be due on XX/XX/XXXX of XXXX and my loan maturity date was XX/XX/XXXX of XXXX. I might should have started with my ex husband was an XXXX and this loan is for a single wide trailer bought new in XXXX valued around XXXX ; XXXX. Financed at 8 % interest FOR XXXX FREAKIN YEARS! So I assure you I have more than paid for my home. So XXXX comes along and I go to my online account only to find it states my payments are behind What????? How can this be. I also see that there are unapplied funds on my account for around XXXX. The next day i call to discuss this I am told that the XXXX payment was never made. So here we go again. I ask about the extra money on my account and I am told I need to contact the attorney. I have request over XXXX times by phone and mail for a detailed statement of what my XXXX dollars was applied to and I want more of an explanation than attorney fees. And there are insurance disbursements for crazy amounts all the time. I have screenshots of that as well. I am just at a loss I have considered an attorney but was told the mtg company just filed bankruptcy so it wouldnt do much good. The only option to make payments is on ther website and it will only accept the full amount. Also I received a letter from my insurance company that stated my policy was canceled as requested by lender and return premium was sent to them. Where did that money go???? Crooks they are just crooks.
08/10/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web
I do not have a contract with Ditech Financial LLC Debt Collector. I have being harassed with phone calls and letters with threats to send adverse information to the credit bureaus. Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principle Re : Third Party Debt Collectors and all other co-conspirators I affirm for the record that I am not a heathen or a surety to this matter. Howevero I am the beneficiary and creditor and I have appointed you Trustee to handle this financial matter ; please see Form XXXX ; Furthermore, I am responding in reference to the fake file that XXXX XXXX of Ditech ( third parry debt collectors ) is in receipt of, I affirm that I have fully satisfied the financial obligation and that the mortgage is completely extinguished ; please see Satisfaction of Mortgage ; I affirm that Ditech ( third party debt collectors ) and their agency is running amok, is guilty of ultra vires, mal administration and constitutional blasphemy ; I affirm that I do not have a contract with Ditech ( third party debt collectors ) and I dispute the validity of the alleged debt ; If you believe you have a valid claim, please fill out a XXXX Proof of Claim Form for the court 's verification and please have them validate the alleged debt in pursuant to Title 15 USC 1692 ( g ) ; I affirrm that it has never been my intention to avoid paying any lawful obligation that I lawfully owe ; however, there is and has never been a contract between XXXX XXXX XXXX and Ditech ; Therefore, I am requesting that XXXX XXXX of Ditech answer the following questions under penalty of perjury : 1. Where is the contract between XXXX XXXX XXXX and Ditech? 2. Are you the holder in due course of this contract? 3. Will you produce the original contract for my own and the judge 's inspection should there be a judicial review of these matters? 4. Can you please produce the account and general ledger statements showing the full accounting that they are attempting to collect? a. Can you make certain that it is sent by a Certified Public Accountant? 5. Can you please identifu to me by name and address all people, corporations, persons, associations or any other party having an interest in these legal proceedings regarding this alleged debt? 6. Can you please veriff under penalty of perjury that as a third parfy debt collector you have not purchased evidence of alleged debt and you are not proceeding with collection activity in the name ofthe original maker of the note or contract, and that you are not using the state courts to play a " numbers game? '' 7. Could you please also verift under penalty of perjury that you know and understand that certain clauses in the Contract of Adhesion such as the forum selection clause are unenforceable unless the parfy to whom the contract is extended could have rejected the clause without impunity? 8. Could you please veriff under penalty of perjury that you know and understand that regardless of the original type of alleged contract of the consumer, collection activities against me fall under the Fair Debt Collections Practices Act? 9. Could you please provide verification from the stated creditor that you are authorized to act for them? 10. Could you please give the name of the employee of the original creditor who can authenticate your business records and who is familiar with the original creditor 's record-keeping practices? I L Could you please provide the employee of the original creditor that can certify that the documents were made in the original creditor 's regular course of business and it was the original creditor 's regular practice to make documents and that the original creditor created the documents contemporaneously with that facts that were recorded? 12. Could you please verift under penalty of perjury that you know and understand that contacting me again after receipt of this Notice without providing procedurally proper validations of the alleged debt constitutes the use of interstate communications in a scheme of fraud by advancing a right that you know is false with the intentions that others rely on the written communications to their detriment? 13. Could you please verifu under penalty and perjury that you know and understand that all lawyers and agencies must comply with the Fair Debt Collections Practices Act in pursuant to Title l5 USC 1692 a ( 6 )?
05/09/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	LA 70802	Web
My monthly mortgage payment should be revised to reflect that my total monthly payment is about {$980.00}, and not {$1000.00}. Ditech has continuously sought to increase my monthly mortgage payments without reason, after repeated attempts for clarification or information supporting same, and have ignored the fact that my wife and I have the Louisiana Homestead Exemption. A. Background My wife and I purchased the home located at XXXX XXXX XXXX XXXX in XXXX XXXX, LA on about XX/XX/XXXX. In connection with that purchase, we signed a signed a mortgage loan agreement with XXXX XXXX XXXX XXXX, our previous lender. That lender subsequently sold the loan to Ditech. From at least XX/XX/XXXX up until at least XX/XX/XXXX we made payments to payments on this loan towards the principal, interest, and escrow account each successive month in the amount of {$980.00}, the total amount of our monthly mortgage payment agreed upon with our previous lender. Every Ditech billing statement which I received on this loan from XX/XX/XXXX to XX/XX/XXXX showed the total escrow amount due as {$380.00}. Subsequently, around XX/XX/XXXX I received notice from Ditech that our total monthly mortgage payments would be increasing in the range of {$1000.00} to {$1000.00}. I inquired with Ditech representatives over the telephone several times as to why this increase occurred. I was advised to check with my property insurance carrier or my Parish/County Tax Assessors Office as there may have been an increase in my insurance premiums or taxes. B. No Evidence Exists for Ditechs Increase in My Mortgage Payments My property insurance provider has confirmed that my property insurance premium has not increased. My agent confirmed that my yearly property insurance is {$1200.00}. Thus, my total monthly escrow payments to Ditech for my property insurance would be {$100.00} ( $ XXXX ). My yearly flood insurance premium did go up ( from about {$1300.00} to {$1300.00} ), which is an increase of {$15.00} over the year which would result in a negligible increase of about $ XXXX/month for my escrow payments to Ditech. Thus, my total monthly escrow payments to Ditech for my flood insurance would be {$110.00} ( XXXX ). The XXXX XXXX XXXX ( XXXX ) Parish Tax Assessors Office showed an increase in my property taxes of about {$120.00} for the year XX/XX/XXXX ( my XX/XX/XXXX property tax bill was {$1600.00}, whereas my XX/XX/XXXX property tax bill was {$1700.00}. {$1700.00} - {$1600.00} = {$120.00} ). However, my XX/XX/XXXX XXXX property tax bill notes that I have the Louisiana Homestead Exemption resulting in {$780.00} less in yearly property taxes, for a XX/XX/XXXX total property tax assessment of {$970.00}. Thus my monthly escrow payments to Ditech for my XX/XX/XXXX property taxes would be {$81.00} ( $ XXXX ). Thus, my total monthly escrow payment to Ditech for taxes and insurance from XX/XX/XXXX to present should be about {$290.00} XXXX {$81.00} + {$110.00} + XXXX ). I may be required to have mortgage insurance on this property, which is indicated in the XX/XX/XXXX escrow analysis as {$1000.00}, which would amount to monthly charge of about {$85.00} ( XXXX/XXXX ). Thus, my total monthly mortgage payment should be no more than {$980.00}. ( principal of {$200.00} + interest of {$390.00} + {$290.00} escrow + XXXX for mortgage insurance ). However, Ditech contends that my monthly mortgage payment is {$1000.00} to {$1000.00}, for which purported increase Ditech has provided no evidence, or explanation. C. Ditechs Escrow Analyses Provide No Assistance Ditech has performed two ( 2 ) escrow analyses on my account. Ditechs XX/XX/XXXX escrow analysis appears to show a projected yearly deficit of exactly {$590.00} in three different categories - in what is needed to pay for my XX/XX/XXXX flood insurance, property taxes, and property insurance, which would amount to a total of about a {$1700.00} over the year. As I have shown above, such a deficit is baseless and unfounded. Secondly, Ditechs analysis specifically indicates I only owe a deficit of {$590.00}, which again is baseless, and illogical given its breakdown. Third, this analysis indicates that a monthly escrow payment must be made in the amount of {$1000.00} as mortgage insurance. However, no prior bill from Ditech mentions this in any past payment breakdown.
04/24/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80110	Web
XXXX XXXX XXXX F.T.C. RE : Ditech Mortgage Acc t # : XXXX This request is for verification of funds received accredited to account. On XXXX XXXX XXXX , a Certified Letter with return signature card, was sent to Ditech. Enclosed were several money orders totaling {$14000.00 } ( letter available ). Instructions included crediting principle on Acct # : XXXX , forwarding an updated statement and overdue XXXX Mortgage Interest Statement. If notification was not received by the XXXX XXXX , or twenty-f our da ys after this certified mailing, a formal complaint with th e F.T.C., for b reech of contract would be file d. ( Card rec eived signed at delivery. Tracking Number : XXXX . ) No notifications have been received to date. No emails or phone calls . Ditech ha s all necessary contact information concerning this account. Every week 2-3 emails arrive offering refinancing. Many previous phone conversations have been re ceived and recorded concerning Ditechs attempt to collect late fees, even after receiving Certified mail days earlier. ALL phone calls are recorded without exception or notification. This procedure is acceptable pursuant to Colo. Rev. Stat. Ann. 18-9-303 ( 1 ). Will not accept the tired excuse of returned mail. Mail has been received daily at this address since XXXX . The USPS po stman, who I know personally, guarantees me there has been no mail fro m Ditech. They simply do not send mail. In that case, Ditech should send out all correspondence certified mail. Will not accept the lame excuse : Everything is on our website. In that case they have all the information necessary to credit this account and relay pertinent information of transactions. Initially I tried to log on to Ditechs website to establish an accoun t. The site responded with a # 404. The 1-800 help number was no longer in servic e. ( The recording of the recorded message is available ). The email contact form was never replied to. ( copy available ) NOTE : In all fairness, I no longer go to company websites. Countless hours have been wasted trying to enter passwords. Even if the correct one is entered, a new one has to be letters, numbers, uppercase, lowercase or symbols. Credit cards, after entering the correct password, will only allow access by texting a special code. Thanks to XXXX , XXXX , XXXX , credit cards, banks, medical, etc., Finally, after trying to log on to a cable provider with no success, I went to the office to pay an invoice. Asking for assistance in establishing an acceptable password, the customer service lady gave me a number. Standing right in front of her, I called a help desk half-a-world away, in XXXX . With no computer access we never completed a password. Ive never again been on that companies website. If the invoice is not in the mail it will not be paid. Because there has been no monthly mortgage statements received since XXXX XXXX , each payment t o Ditech must be sent certified mail, to prevent their constant attempts of fraud and extortion. An accompanying notice clearly states no monthly mortgage payment coupon received. A charge of {$55.00} is applied for certified mail. USPS D UE XXXX XXXX Tracking Number : XXXX {$55.00} XXXX XXXX Tracking Number : XXXX {$55.00} XXXX XXXX Tracking Number : XXXX {$55.00} XXXX XXXX Tracking Number : XXXX {$55.00} XXXX XXXX Tracking Number : XXXX {$55.00} XXXX XXXX Tracking Number : XXXX {$55.00} XXXX XXXX XXXX Tracking Number : XXXX {$55.00} XXXX XXXX XXXX Tracking Number : XXXX {$55.00} XXXX XXXX XXXX Tracking Number : XXXX no fee XXXX XXXX XXXX Tracking Number : XXXX no fee XXXX XXXX XXXX Tracking Number : XXXX no fee TOTAL FEES DUE {$440.00} In summary, the monies received by certified mail must be accredited to Acct # XXXX . Any and all fees reversed and current statement received, reflecting credits. Overdue XXXX Mortgage Interest Statement and Certified mailing fees of {$440.00} due and payable. Ultimately, Ditechs mortgage license should be revoked immediately. Their incompetency is astounding and a disgrace to the industry. Sincerely, XXXX XXXX Cc : XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX
10/04/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48170	Web
I filed complaint no. XXXX on XX/XX/XXXX. On XX/XX/XXXX, the company provided a brief response ; however, I do n't feel they addressed everything in my complaint. Under the desired resolution I asked for four things. They did not fully respond to any of the four and the complaint was closed. I would still like the following to be addressed and proof from the company that they did these four things : 1 ) Reversal of Late Fees Incurred. 2 ) Reimbursement for Interest and Penalty Fees. 3 ) A letter of apology submitted to the City and County, as well as the major credit reporting agencies stating Ditech was at fault for the delinquency of my account. 4 ) Move my mortgage from Ditech to a conventional bank or mortgage company. I currently have my home equity line of credit with XXXX XXXX XXXX. PLEASE move my mortgage to them. In addition, I now have additional issues with Ditech that I am unable to resolve. I have spoken to numerous customer service representatives as well as XXXX ( XXXX XXXX ) " My assigned Account Representative ''. Which weekly, I receive another letter from Ditech with yet another named " My Assigned Account Representative. '' My issue now, besides the lack of follow up on my first complaint, is based on Ditech 's lack of ability to follow through on anything, and specifically my escrow account. As you know from my initial complaint, my escrow money was held by the company and they failed to pay my XX/XX/XXXX city taxes until XX/XX/XXXX. This is totally unacceptable. In addition, when I received my annual escrow account disclosure in XX/XX/XXXX, it was determined I had an escrow overage and was issued a refund in the amount of {$610.00}. In XX/XX/XXXX, I received my annual escrow account disclosure dated XX/XX/XXXX, stating I had an escrow shortage and I was given two options : 1 ) have the shortage spread over 12 months, increasing my monthly payment from {$920.00} to {$980.00} effective XX/XX/XXXX or pay the shortage and the new payment amount would be {$940.00}. I mailed the required shortage amount of {$550.00}. I clearly do not understand how an analysis can be performed, indicate the shortage amount and still incur an additional rate hike. The {$550.00} appeared as a payment to escrow on my statement ; however, I have yet to find anyone and I mean anyone at Ditech that can correct my billing issues. I 've made payments over the phone, inquired when my statement would reflect the new payment amount and each time was told, " I do n't know, that is n't part of the customer service department ''. I made two payments of what the escrow disclosure statement said my payment would be if I paid the shortage ( {$940.00} ), yet when the payments were received, they took money from my second payment to cover their {$980.00} fee ( if I had not paid the shortage ) and the remaining money was in a suspension account. I expected to receive a corrected billing statement for the month of XXXX as well as every subsequent month after XXXX, yet 6 months have passed, I have had numerous conversations with Ditech and with XXXX and was told the escrow department should be handling this. She also reached out to the customer service department and I was told she found someone who had a contact in the escrow department, yet, to date, there has been no resolution to my issue. I have been waiting to pay until Ditech resolves this issue ; however, I can see my the magnitude of complaints about their company, they have no intention of resolving this even though I have clearly communicated the issue with numerous employees and specifically XXXX, who I believe might be the only person at Ditech with a brain. Her supervisor told her to have me file a complaint. In addition, I was told Ditech was going to discontinue the use of voice mail boxes and that XXXX was one of few that had one and it would soon be going away. What legitimate company eliminates voicemail? What legitimate company does nothing to help a customer when the company is at fault? In addition, I have requested a breakdown of " total fees and charges due '' since Green Tree took over my servicing and was told " we do n't know, those charges came from XXXX XXXX. '' I would expect a servicer to be able to provide all information regarding an account they took over from another servicer.
07/03/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	DE 198XX	Web
1. XX/XX/XXXX the company I was working with Sold and downsize, my department was the 3rd tier of lay offs and I struggled for employment. The mortgage company at the time was Greentree Services, I applied and approved for a loan modification program 2. I set up direct payments from my bank to GTS to ensure timely monthly payments. 3. Early XX/XX/XXXX GTS called stating the XX/XX/XXXXpayment had not been received and asked for the XX/XX/XXXX mortgage payment over the phone ( which I gave them ) I paid my bank {$30.00} stop payment fee on the 1st payment. I have bank documentation ( attached ) proving GTS DID receive payment in October but GTS DID NOT post until XX/XX/XXXX. I was told " don't worry about it '' 4. XX/XX/XXXX Payment was issued from my bank and Submitted on time 5. GTS returned the XX/XX/XXXX mortgage payment bank check back to me, stating I was rejected from the program due to none payment in XX/XX/XXXX. 6. Communications with GTS During the next year and a half ( XX/XX/XXXX -XX/XX/XXXX ) GTS told me to mail and fax all bank records, documents, statements, tax records, loan modification packets providing the proof of XX/XX/XXXXpayment. ( documents attached ) 7. I faxed and mailed GTS 10-15X at {$2.00} a page, Mailing documents @ {$1.00} per envelop to NO AVAIL 8. XX/XX/XXXX ( NOW DITECH ) I found foreclosure papers nailed to my front door and now I am in fear of loosing my home, being homeless and financially ruined. Acquiring charges daily since XX/XX/XXXX in addition to compounding fees, charges, late and annual fees, lawyers fees totaling and adding up to {$45000.00} to my mortgage balance. 9. I was drained mentally and financially ruined because of GTS/DITECH The XXXX XXXX and XXXX during this time frame was so unbearable I am still haunted and XXXX when I think about the situation today and panic at the thought of reliving it. 10. I had NO recourse, no one would listen, no one cared, no one provided advice. I felt as though there was no other choice but to file bankruptcy, which did XX/XX/XXXX. 11. Now 3 years later -XX/XX/XXXX Ditech sends me a loan modification packet low monthly mortgage payment ( roughly {$850.00} ) I was was advised by legal aid ( bankruptcy and legal assistance for low income ) 12. Take the deal NOW and run. LA told me I could NOT negotiate the {$45000.00} in fees added to the mortgage balance. Keep in mind I bought this house for $ XXXX in XX/XX/XXXX( XXXX yrs ago ) My pay off balance NOW is {$190000.00} ( whats wrong with this picture? ) 13. Fast forward to XX/XX/XXXX. DITECH/GTS and whatever other names they operated under. have now filed Bankruptcy. They will wipe away all debts, restructure, reorganize, and properly walk away with millions if not billions of dollars " smelling Like a rose '' operating under the same code of ethics destroying consumers once again. How is this Fair or Ethical????? 14. Nevertheless, in XX/XX/XXXX I was given the opportunity to file a " proof of claim '', which did as a debtor of DITECH ( documents attached ) 15. I am so far down of the list of debtors My fear is I will NEVER receive a dime, or retribution for the damages DITECH imposed and continues to impose on me still to this date. 16. I am current on my payments yet the last statement I received was ( 6-7 months ago ) XX/XX/XXXX from DITECH-Reflected I was behind {$2500.00} behind on payments ( NOT TRUE ) 17. Being harassed again! letters are posted to my door DITECH people drive by taking photos of my property ( I asked the last person taking photos what they were doing, why and for whom- DITECH ) 17. I received a DITECH loan assistance packet in XX/XX/XXXX which I submitted in XX/XX/XXXX. I HAVE NEVER RECEIVED A RESPONSE FROM DITECH - calls made to no avail ( unethical ) 18. The XXXX XXXX is unbearable, I am XXXX and reliving the fear of losing everything all over again. Fear of repetition of not being heard, not having a leg to stand on, losing my dignity again. I am suffering the consequence of an incompetent and unethical company DITECH! WHY HAS THIS BEEN ALOWED TO HAPPEN for so long AND WHY / HOW CAN THEY CONTINUE TO GET AWAY WITH IT!! 19. DITECH documents false records and statements without any consequences, this is against the law Please HELP ME TO STOP THIS
07/18/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23324	Web
Ditech servicing LLC has made continuous error on my account since XXXX XXXX . I have called every month and spoke with multiple parties and was told the matter would be fixed and it was and each month the problem continued The problem : my mortgage is {$880.00} per month. Every two weeks for years Ditech has been sent {$500.00} every two weeks. Their policy is they have an account called unapplied funds that partial payments when received would stay until full payment is received. However what I was noticing is that Ditech was not adhering to that practice and allowing the money intended for payment to accumulate in unapplied funds. Every month I called explained how I wanted the payment to be applied with the overage to principle and each time I called I was told the matter would be resolved and it continued for 9 months continuously. PLEASE NOTE : I record all calls with Ditech and can substantiate each call/ contact with them regarding my account and validate each time I was told the matter would be fixed. Due to the practice of Ditech I accumulated multiple late fees erroneously with no notifications In receiving my XXXX , the calculation was noted erroneously by my accountant and I noted a late fee I involved XXXX XXXX the owner of my loan and involved them also of the practice of Ditech in XXXX . They have been no help in attempting to resolve matters and have even absolved themselves of all responsibility for the practice of Ditech In XXXX XXXX I spoke with a director and a loan process personnel and was told that due to an upgrade their system was incapable of recognizing how to address my partial payments and a reallocation of my entire loan was made. However in a review of the allocation of the funds allegedly being applied appropriately my principal balance increased instead of decreasing. I have written Ditech multiple times requesting a review and received an email from their AVP XXXX XXXX stating that the allocation was correct and they will not address my concerns. In XXXX XXXX I received an escrow shortage statement stating that my payments would increase because my escrow analysis was low .In calling Ditech I was first told my property taxes had increased and that contributed to the increase. This was a lie, the city treasurer confirmed my taxes remained the same. Then I was told that city had sent them my storm water bill and they would pay that on my behalf. However, I was paying my stormwater bill on my own via web bill through my bank and there were no delinquencies. This prompted an inquiry to why now would the stormwater bill be sent to the company and confirmed by the city treasurer again the practice is not to send duplicate billings to the owner and the mortgage company. the only time they would if its requested which they confirmed it was, but it was already paid by me. This prompted a complaint with the BBB and now I have received another analysis indicating that I am in NOW in a surplus and my monthly payment has decreased {$120.00}. I have ceased sending the overage amount and have complied with only sending the intended amount due for the month of {$880.00} and my funds still continue to be transferred to their unapplied funds sitting there with multiple calls and emails sent to them demanding to apply to the intended payment even with the direction indicated on the memo. Due to this companies continued errors it has placed my account in default when in fact I have been paid ahead on my loan by one month and they have sent a collector to my home, sent multiple collection letters. I have filed a protective order against the company and a cease and desist regarding being in collections when my account is well within in compliance This company is in violation of the fair collection act because I was never in default, never have been late with payments THEIR practice of mishandling payments has caused multiple errors. I have given them 1 year to fix this and as of today, their AVP has responded after 45 days of no response that they are still working on matters. What is acceptable time frame because I think if in court I have been more than reasonable with attempting to mediate matters with them and it has been unsuccessful.
05/28/2020	Yes	Mortgage VA mortgage	Trouble during payment process	FL 32258	Web	Older American, Servicemember
SUBJECT : Mortgage Mismanagement and Possible Fraud I established a VA Loan for my current home in XX/XX/XXXX. Management and Payments on the said loan was initially handled by XXXX XXXX. Over the period since XXXX to the current time frame, Loan Transfers have occurred from XXXX XXXX, Green Tree LLC, Ditech LLC ( bankruptcy XXXX XXXX and the account transferred to one (? ) of the following XXXX - XXXX Agencies to the best of my knowledge. This matter has the appearance of a SCAM, intentionally confusing and who is the Real Mortgage Servicer? a. XXXX XXXX XXXX b. XXXXXXXX ( dba XXXX XXXX XXXX ) c. XXXX XXXX XXXX In XX/XX/XXXX, while online in my Ditech Account, I notice a comment stating the account was transferred and to contact Ditech LLC. Following the Bankruptcy, during my phone communication with a Ditech Representative I was requested to continue mailing my monthly mortgage checks as always to the established address with no changes. I stated the last certified mail payment of {$1900.00} to Ditech LLC was for XX/XX/XXXX. Additionally, I asked what was the date of the transfer and to whom? The name XXXX was giving to me and a contact number of XXXX was provided, I called on several occasions, but due to the CORONAVIRUS ( COVID-19 ) issues my calls encountered an extended wait period. Due to the nature of my job, I could not wait extended periods of time. Therefore, I decided to wait to receive the Transferred New Account Welcome Package information regarding the account. It was also explained, within 60 days I would receive the aforementioned package by mail explaining the details of the account ( Terms of Agreements, New Account Number, and a Monthly Mortgage Payment Date ). Additionally, neither penalties nor late payment fees would be applied doing the transition period. Starting XX/XX/XXXX, I sent the 1st of a series of Certified Letters to the attention of Owner/CEO at XXXX XXXX NMLS # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX. The Subject addressed the Request for a detailed Transferred New Account Welcome Package. Please note the three ( 3 ) attachment letters to XXXX dated XX/XX/XXXX, XXXX, XXXX, XXXX. As of this date, I have yet to receive such package as informed by Ditechs representative, nor any written response to my certified letters. In review of the attached Credit Reports for XXXX, XXXX and XXXX, I have grave concerns for the distribution of Monthly Payments being applied to my Principle. Even with paying more during the duration of the account. Also, the lack of notification addressing random monthly payment increase and inadequate Credit History Reporting payments from XX/XX/XXXX to XX/XX/XXXX is unacceptable. Approximately in XX/XX/XXXX, Ditech attempted an unauthorized automatic Mortgage Payment withdrawal that was stopped. From that point forward, all payments were mailed certified with signature and return receipts. Please note the attached XXXX XXXX XXXX Cleared checks by Ditech LLC from XX/XX/XXXX to XX/XX/XXXX ( XX/XX/XXXX XXXX. The checks were not reported to the Credit Bureau supporting my Mortgage Payment History. My plans are to refinance my home for repairs and renovation. Due to the current aforementioned issues everything is on hold for clarification and the appropriate Mortgage Host. I am dissatisfied with the management of my Mortgage Account with Ditech. Also, I am even less comfortable with lack of Professional Management processes by the XXXX XXXX. Another grave concern is what affect does this have on my Escrow, Taxes and Annual Home Owners Insurance? Any payments due prior to XX/XX/XXXX, is the responsibility of Ditech XXXX. and as quoted, there is a 60 Day Transition Window. Without a formal written mutual Term of Agreement statement by the Primary Host, no funds can be released. Additionally, the Coronavirus Cares Relief Act address grace periods for Late Payments, Property Liens Foreclosures and Evictions. In closing, I am requesting an immediate investigation of Mortgage Mismanagement and a possible Fraud/ SCAM, by Ditech LLC and The XXXX XXXX ( XXXX ). I and my Financial Institution require a valid single Mortgage Host Servicer, in lieu of the current aforementioned XXXX XXXX for monthly payments.
07/31/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	VA 23324	Web	Servicemember
Ditech servicing LLC has made continuous errors on my account for over one year. I refinanced with Ditech for a HARP Loan in or around XX/XX/XXXX. ( They were already the current servicer of my previous loan ) I have been providing them partial payments of {$500.00} for over 9 months every 2 weeks from XX/XX/XXXX to XX/XX/XXXX ( partial payments was a normal practice I adhered to on my previous loan ) My current mortgage due monthly is {$880.00} Ditech has been funneling bi-weekly payments into an account called unapplied funds account. ( Their policy is that partial payments are sent to this account until the full payment is received and then is to be applied ) They have not been adhering to their own policy and have accrued funds in their unapplied funds never applying to payments causing late fees. From XX/XX/XXXX XX/XX/XXXX, I called and spoke to representatives, supervisors, and directors and was told that the continued error that was made would be fixed. In XX/XX/XXXX, my accountant and I noted discrepancies on an issued XXXX from Ditech and it prompted an inquiry and a further review revealed additional errors being applied to my account. In XX/XX/XXXX, a director XXXX XXXX and a loan specialist explained to me that Ditech has no way to recognize partial payment or overpayments and it was contributed to an upgrade in their system. A reallocation of funds was conducted to apply for payments correctly from the last 9 months. After the reallocation was completed, I was informed that my loan was paid up 1 month in advance. After the reallocation was applied, I noticed my principal balance increasing. The reallocation applied caused my account to go into default, caused additional late fees to accrue and again I was never made aware of. I was sent four collection letters and a representative came to my home. In XX/XX/XXXX, I received a notice stating my escrow was short and my monthly payments would increase. Ditech alleged my property taxes had increased. However, the city treasurer refuted that claim when provided in writing that my taxes had remained the same. Ditechs AVP alleged Ditech received my storm water bill from the city and would take over paying that. I have been paying my storm water bill on my own through web bill pay and was current on my bill. Another escrow analysis was completed on XX/XX/XXXX and I was sent a notice stating I was in surplus of {$380.00} and my monthly payments would be decreasing Another analysis was completed on XX/XX/XXXX and I was sent a notice stating Im in a shortage for {$240.00} and my monthly payments would be increasing They have contacted my property insurance company and requested the name of the mortgagee be changes to several names, one of which is listed as associated affiliates. They have ignored all requests for all the name of associated affiliates XX/XX/XXXX Today XX/XX/XXXX I spoke with a representative XXXX regarding my account. I was informed that although a payment of {$880.00} was sent to you last month for XX/XX/XXXX payment XXXX was applied to principal and interest and that the remaining was applied to principal. She explained unless explained where to apply the overage it will not be applied to escrow unless indicated. What the XXXX is wrong with your loan processing department? My refinance paperwork indicates that my monthly payments is XXXX in which XXXX is allocated to principal and interest and {$120.00}. YOUR DOCUMENTS INDICATE THIS. Now I am being told that I have to indicate how the amount YOU states to pay monthly should be applied. My first payment for this loan was sent web bill pay and it was sent for the total amount and the amount was applied to Escrow, so why is it a problem now. Then I was told by a supervisor I cant be transferred to loan processing. If this is the department who keeps screwing up my payment and rejecting the instructions provided to them on the check and via email why cant I? My bank confirms you received and cashed my check sent on XX/XX/XXXX for my XX/XX/XXXX payment and no one seems to know where it is. You cashed it, so why cant it be found? And I have yet to receive my pay off amount as told by XXXX XXXX which was sent on XX/XX/XXXX and I am not in receipt of it
04/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30144	Web
My mortgage was sold 4 times since original purchase date of XX/XX/2004. I have been making payments automatically from my bank account since purchase. Just realized that my credit score is around 600s and there is no reason why my score can be that low as I am never late on payments. Very good payment history with the lenders paid off multiple cars multiple times no issues there either. I checked to see what makes it so low, come to find out DITECH I guess previously called GREEN TREE who are known for XXXX homeowners for many years and tons of complaints online they have been reporting me late on my mortgage every other month or sometimes multiple months in a row for over a year. I called the company and I was told because my payment changed and it was short $ 10- {$15.00} for a few months instead of notifying me that the payment is short they start reporting them late and would not apply the payments for that current month, hold the payment until I pay the next month then they cover that shortage from that months payment apply that to previous month and make the full payment and report me late for the current month. Because I don't check my credit as often as I should I never realized they ruined my credit and because of them I pay high interests on cards and would not qualify for a loan which I was about apply for a loan for a commercial property for my business. So, I called them they said I am late on payments and that I am one month behind, and I told them I am never late on payments and that can't be true, I told them I have every single statement since I purchased the house and confidently I said I can prove them they are wrong after multiple calls realizing the tone in my voice they realized that they cant fool me they said not missing payment but my payments were short then they said I have {$560.00} unapplied funds, because I was short for $ 10- {$15.00} for multiple months instead of letting me know writing a letter to cover the shortage they chose to let that ad up to a total of {$210.00}. I always make $ 10- {$15.00} extra every month just to be safe and not that it is much but thinking at least it would go to principal. But what was I thinking it wasnt even covering my payments according to them, But why would they do this because they want to ruin peoples credits then they can charge higher interest rate as many mortgages are adjustable rate including mine, and there are stories similar to this online from many homeowners. So the total of {$210.00} supposedly that I owe them is not an issue I am sending that payment right away just send me all the statements where I was short but I am sending you that payment right away just write a letter to credit agencies that I wasn't actually late there was a shortage which was paid in full, and they said no. I said that is not fair ruining honest peoples credits for such a small amount especially when the mortgage has been paid since 2004 even with all the mortgage crisis there was no problem with the payments and they said no. I tried to speak with a supervisor and they actually put me on hold for minutes then the line got disconnected. I called them again of course start to explain everything from scratch and this time I asked them to also provide me with my note as these people are the forth mortgage servicer since purchase, I wondered if they even have my note. They said they are emailing it to me as we speak after confirming my email address and said they will send a copy in the mail too and still have not received anything neither on my email or regular mail and it has been more than two weeks. Before we hang up I told them if this is not going to be resolved I will seek other options and one being writing a complaint with Consumer Financial Protection Bureau, and the person on the phone was very careless and I was told I can do what I choose to do. So as a conclusion, DITECH previously Green Tree ( I assume same company ) intentionally ruins peoples credits, they want you to fail so they can benefit from it and they have no willingness to solve the problems that they've created in fact they seem happy that they achieved their goal of creating another bad credit customer.
12/04/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78750	Web
Ditech allows customers to make online payments via XXXX. I set up an online payment and received a confirmation ( attached ) for our XX/XX/XXXX payment. We also paid XX/XX/XXXX and XX/XX/XXXX through this system. During XX/XX/XXXX, the authorized payment was never drawn from our account and we were reported as 30 days late. Based on the evidence that was set up correctly and a confirmation was received showing the payment to be drafted, I do not feel we shoud be counted late. I spoke to XXXX in XX/XX/XXXX and told the 30 day late was being corrected because we had a payment confirmation. I was given a control # to use when askig about the 30 day late reversal. original control # for the bureaus ( given by XXXX ) is XXXX. I received a letter today ( XXXX ) stating that the XX/XX/XXXX payment was reversed and therefore we would still be considered late. We authorized a payment to be made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via their website. The XX/XX/XXXX payment was not pulled until XX/XX/XXXX ( confirmation in may of a payment received XX/XX/XXXX is attached ) but it was set up correctly on our end. The XX/XX/XXXX payment was drafted along with the XX/XX/XXXX payment on XX/XX/XXXX but was reversed several days after it was pulled on the XX/XX/XXXX. This was not requested by us. They pulled XX/XX/XXXX payment again and the XX/XX/XXXX payment on the XX/XX/XXXX. When I called XXXX, they referred me to XXXX. XXXX said they never drew from our bank in XX/XX/XXXX due to the fact that our account was on the XXXX XXXX directory list. Our account is not listed on the XXXX list nor has it ever been. Please see attached statement from chase provided to XXXX to demonstrate that fact. XXXX admitted never attempting to draft the XX/XX/XXXX payment. When we received the next month 's statement, showing the XX/XX/XXXX payment not made, we called XXXX, who said to call XXXX again. XXXX insisted that I physically go to my bank to get confirmation that my account of 20 years was in fact still active before hey would even attempt to pull a payment. I went to my bank ( XXXX ) and had the attached letter to prove the account was active and in good standing. XXXX drafted both the XX/XX/XXXX and XX/XX/XXXX payment simultaneously XX/XX/XXXX. XXXX said that the late payment would be removed from our credit report because our account at chase was in good standing ( not on the XXXX list or an inactive account as they believed ). The mistake had been on their end and we would not have a 30 day late. On XX/XX/XXXX Paymentus drafted {$7900.00} ( 2 payments ). On, XX/XX/XXXX XXXX charged a {$140.00} late payment, even though we had just paid {$7900.00} on the XX/XX/XXXX. On XX/XX/XXXX Ditech reversed one of the payments that was collected ( {$3900.00} of the {$7900.00} ). We did not request this. XXXX says it was due to an incorrect routing #. But how did they take the money and put it back if the account # was wrong??? On XX/XX/XXXX another {$7900.00} was drafted by XXXX/XXXX covering the XX/XX/XXXX and XX/XX/XXXX payments. We were told that we were caught up. The mistake was on their end and that they would correct the credit report to show no 30 day late. Today, I pulled our credit report and the 30 day has not been removed as promised. When I called XXXX and XXXX, they now say the late was our fault and the late will not be removed. If we rely on the payment methods available on a creditor 's website, I feel that we should not be punished if the creditor or their third party payment company makes a mistake. That is exactly what has happened to us. We have a 30 day mortgage late because the creditor did not pull the payment that we set up per the confirmation. Ditech says that a confirmation can not be trusted, I think a consumer should be able to rely on the written information given to them by their creditors. I asked to speak to a supervisor and was told I would receive a call within the hour. that was this XXXX. We did everything correctly and are now being punished for their mistakes. I really need some help. Anything you can do would be greatly appreciated.
10/22/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 33012	Web
XX/XX/2018 TO : Ditech Financial llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX From : XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : On XX/XX/2018 I sent a letter explaining all my payments that has been paid to you with detail. I have received letter from you that as per your records shows that my payment are in default and late, this must be a mistake. On around XX/XX/2018, I went to pay my taxes and they had told me it was already paid by Ditech, which there is no paper that say that you can pay without me being notified. I never requested, Ditech to pay for parcel # XXXX for property located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, in the amount {$5000.00} ; this amount was paid back and returned to Ditech on XX/XX/2018 with check # XXXX. After this occur I realized that all my payment were not being applied To my account correctly, I saw my bill and now suddenly I have and escrow account that I did not request or open, I urge you that this account should be closed and money be sent back to my principal account, to be applied correctly accordingly you have applied my mortgage PAYMENTS INCORRECTLY AND THIS HAS MADE MY ACCOUNT TO BE DELIQUENT. ON THE MONTH OF XX/XX/2018, I WENT TO THE XXXX XXXX TO PAY TAXES ON OTHER PROPERTY I CURRENTLY HAVE AND THEN AGAIN I was told that it was paid again and applied to my other property Parcel # XXXX that belongs to another property house @ XXXX XXXX XXXX XXXX XXXX FL XXXX, 1st of all this property is not financed through your company and shouldnt have been paid by you, this has been a confusion and it has led my account to be delinquency, because of your mistake, so I request for you to investigate that this has brought my account into a disaster, therefore back on XX/XX/2018 I sent another check to Ditech check # XXXX amount of {$5400.00} to cure this amount that was paid incorrectly by Ditech with a different parcel #. I urge you to back it up and realized that your Ditech, supervisor or a professional that has been assigned to my account to correct this will correct this mistake by your department, To cancel my escrow account, and return money to be applied to my monthly payments, and to remove this delinquency that has been reported incorrectly by you, in my credit, I urge you to correct this at soon as possible because this is extremely hurting my credit, I am a Business man and I pay all my bills ahead of time, and as you show in my records you have been getting 3 payment in advance to be apply for My principal and taxes, therefore all this tax issue that your company has paid has mess up the status of my account, I have authorized my representative Ms. XXXX XXXX to speak and discuss this matter with you, to get this issue resolve at soon as possible You may contact her @ XXXX XXXX, to discuss further more. Also please note that a letter was certified was sent to you on XX/XX/2018 signed by XXXX XXXX and it was also sent by fax and until todays date there is no respond by your company. After all this gets cleared and corrected, please send me the payoff amount, I can not remain making business with a finance Company that could not accept me or look at me as a good satisfied customer, at this moment I believe that you had made a big mistake and may keep on making mistake in the future and I am a serious business man, to be getting frustrated for your bad decisions, I will not recommend your finance Company to any one, due to your bad communication and the bad service I get provided when I call. I urge you that I supposedly dont have the time to wait 30 days for your decision, this could be nicely escalated with my attorney, if you delay this in bad faith, I will not tolerate this delinquency in my account I dont have time to be on the phone waiting to speak to your representatives that sounds like computers when they talk and dont have the answers to my questions. I need the correct person handling my account to call me and take this account into consideration seriously to correct all the facts that were explained in this letter. Sincerely yours, XXXX
04/07/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	SC 29707	Web
In XX/XX/XXXX I received a notice from ditech that I had an escrow shortage on my account due to a increase in property taxes. I immediately contacted their escrow department and the local tax office which advised me the amount charged was in error and all I needed to do was send a check for the shortage and the issue would be resolved. Not knowing the exact amount, I sent a check for {$2400.00} to the escrow department in XX/XX/XXXX which has been cashed and cleared, a day later I receive a letter stating I owe '' {$1800.00} '' not {$2400.00} which I had sent ; again I call ditech service and they assure me I would be mailed a live check for the escrow overage in 2-3 weeks. XX/XX/XXXX I make several calls to ditech service to figure out what my updated monthly payment will be now that the escrow issue has been resolved ; after 10 attempts hours of waiting on hold being misinformed by countless employees I finally reach a supervisor in Arizona ( XXXX ) and he advises me my account has been updated and all of the issues have been resolved. I stress to him the importance of not having any late payments on my account or my credit reports as I have NEVER had any in the past, and he stated " you will not have a late payment because I am going to take your payment over the phone and also waive the over the phone fee. '' He verified the exact amount due of {$1100.00} which was deducted from my account on XX/XX/XXXX. XX/XX/XXXX I started receiving letters stating my XX/XX/XXXX payment has not been made, my escrow account is short {$430.00}, my account has been turned over to collections for non payment etc. I again call ditech wait on hold for hours on Monday XX/XX/XXXX, I speak with XXXX in Arizona who states " my XXXX payment was not posted to my account because it was short {$32.00} ''. I ask how could that be when a supervisor in your department told me what to pay and even deducted the money from my account. she stated she does not know why he quoted that amount and also why there are so many discrepancies with my account and also could not figure out where the {$2400.00} I sent in for the escrow overage ( which was deducted from my account ) had been applied. After hours of going back and forth she again assured me the issue would be resolved in 24 hours, my payment would be correctly applied any late fees would be reversed as it is all ditechs fault, and she would reach out to " the credit depts to make sure there was no negative impact on my credit reports '' She also confirmed my contact info and promised she would follow up with me the next day just to confirm everything had been resolved. I told her I had zero faith and trust in ditech due to the nightmare I have been going through for the past few months and she re assured me everything had been handled. XX/XX/XXXX, I receive two letters from ditech, one from collections and one advising me on how I can seek help to avoid foreclosure? I never received any type of follow up from XXXX as promised, so I call service again wait on hold for an hour talk with XXXX a supervisor in Arizona and again she states she will have everything resolved in the next 5 days but in the meantime she will make sure my XXXX payment is updated to show paid on time and corrected, reverse any late fees and reach out to their credit departments to make sure there are no negative impacts to my credit report. She has also stated " she will monitor my account and follow up with me ''. Today XX/XX/XXXX I receive notifications from my credit monitoring that ditech has posted to all three credit bureaus that I am in default of my mortgage. This is not only false but it has caused my scores to drop from the mid 700 's to 600 's. Also, I am in the mortgage field and can not have any blemishes on my credit reports which is why I stressed the importance of having this updated and corrected a month ago but I am only getting the run around. This is a very serious matter concerning my mortgage and credit but I can not get anyone to fix their mistake and update my account correctly.
01/18/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30038	Web
We are in the process of refinancing our home. We have a relatively modest balance left on it, however, during a conversation with our loan service representative, we were informed that at the maturity of the loan after the principal was satisfied, a balloon payment attached to our modification could be requested to be paid in full. We felt we needed to refinance our mortgage with an instrument that had no unforeseen surprises. With all the mortgage activity we are learning that this loan has incurred, we asked our current loan service representative, who holds the current mortgage and were informed that she could not disclose that information. We were even more compelled to refinance at this point. There are also many questions about the status of an original second loan with regards to Ditech saying they have a lien on our property. We never heard of them prior to either XXXX or XXXX. When I contacted them I was informed that they were not trying to collect a debt and that our second mortgage had been wiped out, dismissed. The Ditech representative did then say they have a lien on our property. I have searched our records and can find no mention of them in an assignment. We began researching our records and the company names affiliated with our mortgages and every single one of them have been revoked, shut down, filed bankruptcy and charged with illegal and unethical predatory practice and ordered by the courts to pay damages.. Our immediate concern is to secure the truth about the lien in the amount of our second mortgage ( {$30000.00} ) and of our mortgage currently serviced by XXXX XXXX XXXX XXXX XXXX. Please review the following information regarding our concerns. We highly appreciate any assistance you can provide in this matter. On XX/XX/XXXX, we purchased our home. We were advised by our real estate representatives that the instrument we were best qualified for was a 20/80 loan with 20 % being a second loan of {$30000.00} and 80 % being the XXXX mortgage in the amount of {$120000.00}. On the second mortgage, XXXX XXXX XXXX XXXX, is listed as the ( lender ) with XXXX on the Security Deed. On the first mortgage, {$120000.00}, XXXX is listed as Lender or servicer ( " Lender '' ). Over the history of these loans, many transitions of servicers were made. We went from XXXX XXXX to XXXX to XXXX, we began to receive requests for payment on the second mortgage from XXXX XXXX, and Greentree. On XX/XX/XXXX, on one of our legal documents filed on record, a loan modification lists XXXX XXXX XXXX XXXX XXXX and XXXX on the first mortgage {$120000.00}. The loan modification came into play when we experienced a loss of clients during that tough financial period for mortgages and jobs. We eventually filed a chapter XXXX bankruptcy and included our arrears with the second mortgage and first mortgage as a part of the debt to be paid. We completed our bankruptcy plan which was discharged XX/XX/XXXX. According to our research of our records, XXXX XXXX XXXX was listed as the Grantor which is shown as XXXX XXXX XXXX XXXX XXXX recorded XX/XX/XXXX. Our mortgage was later turned over to XXXX XXXX XXXX, XXXX to whom we pay, but as I mentioned before they say they just service the loan and could not disclose to us who holds the mortgage. The first time we actually saw anything in writing about the {$30000.00} debt claimed by Ditech was when we received paperwork from the company that is in the process of refinancing the mortgage. One other thing, prior to Ditech contacting us, we received a legal notification that XXXX XXXX or XXXX XXXX XXXX had filed a chapter XXXX bankruptcy in Delaware. The creditor that Ditech says they are representing is listed as XXXX, XXXX, which is a privately owned start up company in Delaware whom we have never heard of or from. We would like to see/validate the current, official Deed to Secure Debt/Legal Document of legitimate assignments on all mortgages Ditech and XXXX we were/are connected to so we can be completely informed moving forward. Thanks for your assistance.
10/23/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	KS 660XX	Web
I have filed several reports about my mortgage with XXXX XXXXXXXX XXXX and Dietech that is now trying to collect. The further I investigate, the more I find. I spoke with someone at Dietech last week and they let me know more than what I was suppose to know. Dietech informed me that I had XXXX accounts with them. XXXX mortgage had been paid off, and the other XXXX they were still trying to collect on. What are they talking about? I asked for the amounts of each and then hung up because I was so shocked. I called back to get the exact amount of the " loan that was paid off '' and she could no longer find that account. I said I had just spoken with someone and they told me I had XXXX accounts there. She put me on hold for a while and then was able to find it. Still curious about this " loan that was paid off '', so I called the next day. The women I was speaking to said that I only had XXXX loan there. I informed her that Dietech told me that I had a loan that was paid off. She continually told me that I only had XXXX loan. I had to argue with her and told her I just spoke with XXXX people about it on XXXX separate days. She put me on hold and then came back and said she found the other account. " It 's under name and account, but your social security numbers are n't matching up ''. Hmmmmm? My social security number is not matching up with the loan that is paid off? Seems to me Dietech has created a false account. I asked her to send me the documents. When I look at the documents I am seeing fraud written all over it. I have enclosed the documents for viewing. I am noticing several problems with these false loan documents! 1. The loan modification agreement has one page with the date of XXXX XXXX, XXXX and the other page has a date of XXXX XXXX, XXXX. 2. The loan modification dated XXXX XXXX, XXXX has my signature on the line, and right below that is the exact same ( copied ) signature. The copied and pasted XXXX too many times, and they did n't copy and paste the date correctly because I would never put the date below the line!! XXXX. We have XXXX different notaries for this XXXX loan modification. This XXXX loan modification was signed on XXXX XXXX, XXXX and XXXX XXXX, XXXX. If you look closely you can see where XXXX XXXX the notary signed it XXXX XXXX, but then wrote over that so now it says XXXX. They are falsifying so many loans, they ca n't keep them straight! 4. They also sent me a page with XXXX? notarizing something on XXXX XXXX, XXXX? Just his signature with no stamp or seal? My loan number is at the very bottom XXXX. The step rate loan modification agreement you will see XXXX 's signature again. You will also see how they have copied and pasted his signature there. Why would XXXX sign that document exactly the same right above his first signature?? Again, it is dated XXXX XXXX, XXXX. At the top of that page it is dated XXXX XXXX, XXXX. It seems to me they ca n't when to date the modification because we now have several different dates for this loan modification. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. Come on!!! They need to pay up for this fraud!!! 6. You will see the copies of the other note that I paid off. I had asked for a copy of that. I love how they included the T in my signature, but that is not my signature. It is also a false document. There is no seal or notary on there. I have no clue why they would make this false document of another mortgage that I had?. I looked up this address and even went to the post office. There is no such address! What are they trying to hide???? Possibly some of my money?? Obviously I had been paying on my mortgage that they overcharged and collected on. Perhaps they created this account? They thought they were smart enough not to have my social security numbers matching or they just might get caught. I have no idea. What I do know is that XXXX XXXX XXXX and Dietech are all lying. The proof is in the paperwork. This needs to be investigated and they need to be penalized!
12/12/2017	Yes	Mortgage Other type of mortgage	Incorrect information on your report Account status incorrect	CA 92126	Web	Older American
At first, it would seemed that the respondent collection agency, Ditech Financial LLC ( Ditech ), was consistent in saying that the Substitution of Trustee and Full Reconveyance executed by XXXX XXXX, in the amount of {$75000.00}, recorded by the XXXX XXXX County Recorders Office on XXXX XXXX, XXXX, is totally different from the loan of {$87000.00} that Ditech took-over from another collection agency, Green Tree Servicing LLC ( Green Tree ), on XXXX XXXX, XXXX. However, based on Green Trees letter to the undersigned dated XXXX XXXX, XXXX, which Ditech provided me, it clearly stated that Green Tree took-over my second loan mortgage from XXXX XXXX XXXX ( XXXX XXXX ) only last XXXX XXXX, XXXX and not on XXXX XXXX, XXXX as claimed. Therefore, despite all of these inconsistencies, the fact still remains that my second loan mortgage was originally {$75000.00}, but went up to {$87000.00} because of high interest rates and several add-ons, etc. In other words, both amounts pertains to only one loan which is actually my second loan mortgage which originated from XXXX XXXX. The contention of Ditech that I requested their assistance in the past with regards to my second loan mortgage is also true. This was because I was not sure whether my second loan mortgage was included in the approval of my HAMP Loan Modification, although I made it clear to HAMP at the onset of my application that I want this to be included so I will pay only one mortgage payment every month. I was told that this is basically the objective of the HAMP Modification Program wherein all your mortgages are lumpsum into one, to make it more affordable for homeowners who are financially in distress. I tried confirming this with Green Tree and later with Ditech, but both denied that they were paid off by my HAMP Loan Modification and neither do they know whether XXXX was actually paid-off. It was only on XXXX XXXX, XXXX when I contacted the XXXX XXXX County Recorders Office that I found-out that there was indeed a Substitution of Trustee and Full Reconveyance executed by XXXX XXXX, that was recorded on XXXX XXXX, XXXX. Upon inquiry, I was told that it was actually conveyed back to its previous Owner, XXXX XXXX XXXX. Apparently, what happened here was that my first and second loan mortgages were bundled together and were actually included in the HAMP Loan Modification that was approved. This was the reason why XXXX XXXX had to execute and record such a legal document from the XXXX XXXX County Recorders Office. The only problem here was that I was never given a copy by XXXX XXXX about this Reconveyance which explains why I was kept in the dark all these years, despite the fact that it clearly states on top of the said document thatAfter Recording Mail To : XXXX XXXX As to why I was never given a copy nor was I never informed about this Reconveyance by XXXX XXXX, AND why was this second loan mortgage in question passed on to Green Tree and later to Ditech for collection, despite the fact that this was already included in my HAMP Loan Modification, I have no clue at all. All I know is that the above facts are the actual sequence of events that transpired, based on their actual date of transactions. The other interesting fact to note here, which we also have to ask Ditech Financial LLC, is how come in my credit report dated XXXX XXXX, XXXX, a copy of which is hereto attached, it clearly states there that my second loan mortgage was actually : Account charged off ; {$86000.00} written off ; {$86000.00} past due as of XXXX XXXX And yet as of this writing, Ditech still wants to collect the same amount from me? Does this mean that Ditech had already reported this amount of {$86000.00} to the Internal Revenue Service ( IRS ) in their Income Tax Return and still wants to collect the same amount from me? Based on these compelling facts that I have presented here, I am requesting the CFPB to investigate this matter to the fullest with Ditech until we have finally resolved this case to our mutual satisfaction.
10/04/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 953XX	Web	Servicemember
On XXXX/XXXX/XXXX we had a fire in a room of the home I called our homeowners insurance to file a claim and was told that we did n't have any insurance and that our policy had been cancelled due to non payment on XXXX. I called Ditech which is our mortgage co. on XXXX/XXXX/XXXX to see why they stopped paying our insurance, our insurance and taxes are included in our mortgage payment, the person I spoke to told me to call back the next day because it was to late in the day. Could n't call back the next day because it was a holiday weekend. Called Ditech back on XXXX/XXXX/XXXX they told me to call the ins. co. back. I called the ins. co. back on XXXX/XXXX/XXXX and they told me they could rewrite our policy but we would have to pay a {$120.00} fee. I called Ditech back on XXXX/XXXX/XXXX they kept transferring me to a different person, I spoke to at least 4 or 5 different people that day until I refused to be transferred again and the last person I spoke to said that she could find no authorization anywhere to stop paying our ins.. I called Ditech back on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX left a message for a person named XXXX he did not return my call. Called Ditech on XXXX/XXXX/XXXX and they told me it was cancelled on XXXX per insurer 's request. I called the ins. co. back on XXXX/XXXX/XXXX and spoke to a XXXX XXXX she told me that she looked through the documents in our account and found nothing showing where they requested cancelling our ins. policy. She said it was cancelled due to non payment by the mortgage co.. They sent a renewal notice to the mortgage co. on XXXX/XXXX/XXXX and they did not respond. I called Ditech back on XXXX/XXXX/XXXX the lady that was helping me put me on hold and then the automated service came on and said please hold for the next available representative. When somebody came back on the line it was a man so I had to explain the situation to him he told me that the mortgage on the home must be through another company because the address was different from our mailing address. The home is the main dwelling on the property and it alway 's has been. He told me that the address of the home was not anywhere on the documents that they had he told me to call back in 5 business days. While I was waiting for the 5 business days to pass there was an electrical fire in the bathroom of the master bedroom on XXXX/XXXX/XXXX. The fire department called XXXX & XXXX and XXXX. our electric co. to come out and they shut off the utilities until we have a licensed electrician come out to fix the wiring. Meanwhile my mother in law who is 80 year 's old and my daughter and her boyfriend whom live in the house do not have a safe place to live. We get our water from a well which has a pump that services both homes on the property so without electricity our home has no water also and my husband is a XXXX XXXX who I care for and we need the water to be working. We all live on a fixed income so neither one of us have the kind of money it 's going to take to recover from this without our insurance. I did contact the Red Cross for assistance but they could only help with a little bit of money just to get by. I called Ditech back on XXXX/XXXX/XXXX spoke to a woman explained our situation to her and she put me on hold and then transferred me to a man named XXXX and I had to explain our story to him and we argued for about and hour until our call got cut off. While we were talking all he would say is that the reason they stopped paying our ins. on the home is because they only have our mailing address on there documents and that is the address they are tracking and paying the insurance for. There is XXXX homes on the property the main dwelling and a mobile home which is an additional building. We live in the mobile home and my mother in law lives in the house the mortgage company has been paying both insurance policies since we have had the property with no problems and then all of a sudden they stop paying our insurance without any notice to us at all.
12/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33062	Web
I closed my mortgage XX/XX/XXXX with XXXX XXXX XXXX Mortgage. At that time, my XX/XX/XXXX homeowners insurance was paid full and {$2200.00} deposited into my escrow account. XX/XX/XXXX, I paid the XX/XX/XXXX property taxes from my checking account. Before the first payment was due, my mortgage was sold to Ditech. I called Ditech to set up an online payment account and immediately ran into issues. I was told not to make a payment as Ditech was in the process of changing their system and not to worry. My first statement is dated XX/XX/XXXX due XX/XX/XXXX and shows a past due amount of {$920.00} and an escrow balance of {$1000.00}. My escrow account was short {$1200.00} which I did not realize until after spending hours reviewing my statements. I was confused that there was a past due amount, called Ditech and was told the new system was causing problems and not to worry. On XX/XX/XXXX, I made a payment of {$920.00}. Using the incorrect escrow of {$1000.00}, with this payment my escrow should have now been {$1300.00}. There is no XX/XX/XXXX statement ; however, on XX/XX/XXXX I made a payment of {$920.00}. Still utilizing the incorrect beginning escrow balance, with this payment the escrow balance should be {$1600.00}. Around this time I began receiving foreclosure information. My payments have been made on-time in full each month. Ditech has twice withdrawn funds from escrow account in error, misapplied funds, charged bogus " inspection '' fees that I was n't aware of, and harassed me. I have called numerous times, been disconnected countless times, lied to, told conflicting information, emailed them without response, received messages returning my call when I have n't called, and during this nearly 12 month process, not once has my account been correct. I believe Ditech owes me {$2000.00} in escrow funds. I believe my principal balance is incorrect. Each time I call they are " experiencing a high volume of calls '' and I have been able to speak with a supervisor ONCE. Below is an example of how Ditech conducts their business. 2016 statements : XX/XX/XXXX due XX/XX/XXXX. Amount due {$2700.00} and an escrow balance of {$1500.00}. XX/XX/XXXX due XX/XX/XXXX. Amount due {$1800.00} and escrow balance of {$1800.00}. XX/XX/XXXX due XX/XX/XXXX. Amount due {$1800.00} and an escrow balance of {$1800.00}. XX/XX/XXXX payment made in the amount of {$930.00}. Ditech payment history shows payment of {$1000.00}. This amount never shows up on any of the XX/XX/XXXX statements. This payment would now bring the escrow to {$2000.00}. XX/XX/XXXX due XX/XX/XXXX. Amount due {$1800.00} and escrow balance {$2200.00}. XX/XX/XXXX due XX/XX/XXXX. Amount due {$1800.00} and escrow balance {$2200.00}. Payments were made on XX/XX/XXXX and XX/XX/XXXX in the amount of {$460.00}. I began making bi-weekly payments in an effort to reduce interest paid and paid about {$5.00} more per month than required. I had made several phone calls regarding bi-weekly payments and the dates to confirm there would not be an issue. In XX/XX/XXXX I was told that the system did n't understand bi-weekly payments and this is what had been causing the problems. The escrow account should now have been {$2300.00}. XX/XX/XXXX and is due XX/XX/XXXX. Amount due {$1800.00} and escrow balance is {$1700.00}. I have a letter dated XX/XX/XXXX indicating Ditech had misapplied funds and once the reallocation was processed, the account will be next due for the XX/XX/XXXX due date in the amount of {$920.00}. Ditech had also withdrew {$820.00} from my escrow for Earthquake insurance. The condo is located in Florida. This letter also indicated that Ditech had proof of insurance on file through XX/XX/XXXX so I question WHY the disbursement of {$820.00} was made from my escrow account for EARTHQUAKE insurance. To date, I have not been fully refunded. The XX/XX/XXXX statement also increased my principal balance by {$280.00}. This then caused what was applied to the principal for the remainder of the year to decrease.
02/09/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 89117	Web
I am a co-borrower on a Ditech mortgage with my ex-husband. This property has been his home exclusively since XX/XX/XXXX. He was diagnosed with XXXX XX/XX/XXXX, and I Immediately stepped in and took full responsibility for the 1st & 2nd mortgage. This is an extreme hardship, as the monthly payment is nearly {$5000.00}. I 've been trying to get a loan mod for 2 months, but Ditech still claims my application is " incomplete, '' despite my providing every document requested more than once. Here are my complaints : MISSING DOCUMENTS - I 've had to pay $ XXXX/page to fax XXXX docs to Ditech. I asked if they could be emailed or uploaded and was told " we 're not set up for that. '' It was n't until a phone call on XX/XX/XXXX that I learned I could upload docs to Ditech.com. I wasted {$240.00} on faxes Ditech denies receiving. Two days ago, I was asked for a hardship letter. That letter was included in my initial application XX/XX/XXXX. Today, Ditech.com shows documents missing that I 've sent repeatedly. But I spoke to a Ditech agent 30 minutes ago who said she could see them. This is a breakdown in the system at Ditech, but it as long as it goes on, my application is " incomplete, '' and nothing happens. CHANGING DOCUMENT REQUESTS - I got a letter on XX/XX/XXXX, claiming several documents were not received. I looked at my files and saw that everything requested was sent and faxed twice. I called Ditech and was given a totally different list of docs to submit that had NEVER been requested. I was also given a different fax number to use. I faxed the docs that day, and also mailed copies with a signature confirmation. CHANGING REPS - The name of my " assigned representative '' is always different. The extension provided does n't pick up, or goes to someone else 's phone. I even got a call from a rep who did n't leave an extension, and asked me to " call back. '' After an hour-long call to Ditech did n't turn up his extension, I sent an email on a hunch to his.name @ Ditech, and found him 3 days later. ABUSIVE PHONE CALL - On XX/XX/XXXX, I was informed that Ditech had " disengaged '' the loan mod process, due to " failure to provide documents. '' The letter suggested my other options included simply giving them the home. I called and got an agent who was unbelievably rude, shouting over me and telling me to " focus. '' She insisted no documents were in my file. I told her I faxed and mailed XXXX pages, and had the name of the person at Ditech who signed for it. She said " I do n't care. '' She asked what fax number I had, and I told her the number I was given on XX/XX/XXXX. She said that was an " administrative fax, '' and I should n't use it. I said " But I got that number from you. '' She replied, " You did n't get it from ME. '' I asked what fax I should use, and she said, " Read the letter. '' I said " I do n't have the same letter you do, '' at which point she said we were " spinning our wheels '' and " the past does n't matter. '' She put me on hold, then returned and said she had been looking in the wrong file because " You did n't tell me you had more than one loan. '' Things became more contentious, until I asked to speak to her supervisor. I had to ask a few times, as she was talking over me. Finally she said, " WITH PLEASURE '' and transferred me to a man who was very abrupt. At this point I was in tears, while he admonished me to " SLOW DOWN. '' Eventually he agreed to reopen the modification. I said I wanted to complain about the rep I spoke, to and said he would " Pull the phone call. '' I have n't heard another word about it. NO CONTACT - I 'm XXXX with my own Ditech mortgage. My ex has nothing ; his XXXX is n't even approved yet. To get some relief, I wrote to Ditech and asked that late fees be waived due to his XXXX. No one ever gave me the courtesy of a reply. I finally called Ditech and was told that only {$100.00} would be waived. I had no choice but to pay over {$1000.00} in " fees. ''
10/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 456XX	Web
Hi. My husband & I are first time homeowners. We have XXXX small children together, all of which reside with us in our home. I believe we, like many other good/ hard working Americans, have had our lives turned upside down by Green Tree. Their past & ongoing actions/lack of action have caused severe stress along with mental/physical anguish on my entire family, have created numerous financial hardships, & have damaged our credit beyond recognition. I am begging you to hold them accountable for such actions ... In XX/XX/2013 XXXX XXXX XXXX mistakenly paid property taxes in excess of {$6000.00}, then transferred the servicing of our loan to Green Tree Servicing- all without any notice to us. This mistake caused my escrow payment to increase an ADDITIONAL $ XXXX/month. I tried several times to get answers from XXXX, but was repeatedly told that I would have to wait until XX/XX/XXXX when the transfer was complete to get any information. Both companies expressed not having my complete records each time I called. XXXX XX/XX/XXXX the transfer was SUPPOSED to have been completed ( any inquiries were to be directed to GTS ), but GTS CONTINUED to tell me that they still did n't have my completed records & could n't answer any of my concerns. Their process of attempting to " RETRIEVE & review my files continued through XX/XX/XXXX ( see attachment ). I filed a letter disputing the amount GTS showed me owing due to the overpayment of the taxes ( see attachment ). Included in the dispute was a letter from the county treasurer 's office stating " XXXX paid the amount in error '' ( see attachment ) .Over the course of the next several weeks, GTS representatives repeatedly used terminology that led me to believe this error was going to be corrected ( ie : " mistake '', " get it fixed '', " escrow dept. will be the ones to fix it '', " do n't know why they did that '', " can take up to 45 days to be adjusted '', etc ), but no action was ever taken to correct the account, but LOTS OF ADDITIONAL CHARGES WERE ADDED DURING THE TIME THEY WERE DRAGGING ME ALONG. In XXXX 2013 I was told that if we did a loan modification it would take care of all of the problems, so we filled out all the paperwork and submitted it. They confirmed receiving it ( see attachment ), I called to check on it regularly-it was NEVER PROCESSED! In XXXX 2013 our mortgage was transferred to GTS, & when I was told that the mod was STILL in review- I hired a lawyer. Since that time, he also has worked reverently trying to resolve this, & was told by a GTS rep that we were NOT delinquent, but as of today still no solution has been reached. I have continued to make my monthly payment EVERY MONTH, & have yet to have ever heard the outcome of the loan mod paperwork that I submitted XX/XX/2013. Now that they have ruined our credit, tacked on thousands of dollars worth of ridiculous charges, ignored our modification paperwork, and began foreclosure -NOW, 2 YEARS Later, they are again wanting us to fill out ANOTHER loan modification packet. I believe that Green Tree continues to violate the ruling against them in the case FTC & CFPB v. Green Tree in regards to their continued actions towards me. They failed to ever respond to my in process loan modification from XX/XX/2013, they are continuing collection on a debt that I disputed owing on XXXX/XXXX/2013 without investigating the validity of the debt, they are not trying to work with me to resolve this situation at all, instead they are proceeding with their pending foreclosure of my XXXX lien residential loan that was transferred to them on XXXX XXXX, 2013, & they are not handling any of my legitimate concerns in a timely manner- which continues to cause me and my family ongoing hardship and undue stress. Please help me resolve this matter so that my precious family can continue to reside in our home, and so that I can go back to being the loving mom my kids NEED- instead of the depressed/ stressed person I have become
05/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 982XX	Web
I am required to have flood insurance for my mortgage. Because I have a detached garage, I am required under the XXXX to have separate policies for the house and the garage. The policy on the house renews in XX/XX/XXXX, the policy on the garage renews in XX/XX/XXXX. Each year in XX/XX/XXXX, Green Tree 's system kicks out both policies and sends me a letter saying I do n't have enough insurance. In the past it 's been enough ( though annoying ) for me to fax Green Tree the XXXX declarations, reminding them of the different renewal timelines. This year, I sent the declarations as usual in early XX/XX/XXXX after receiving the first " your coverage is inadequate '' letter. But when I received another, more ominous notice of inadequate coverage in early XX/XX/XXXX, I phoned and spoke to XXXX in Green Tree 's Insurance Division on XXXX XXXX. After doing some poking around while on the phone with me, XXXX told me that they had received the declarations I 'd faxed, but only XXXX policy had been updated in their system. She told me that it was " now fixed '' so that my coverage was adequate ; they would send a letter to that effect, and the outside coverage quote in the " lack of adequate coverage '' letter they sent me would not go into effect. In late XXXX I realized that I had never received the written notice that my coverage was adequate that XXXX had said would be sent. So on XXXX XXXX I called Green Tree again, this time speaking to XXXX in the Insurance Division, who told me that my coverage was sufficient and she would send written confirmation of this. A couple of days later I received a " Notice of Placement of Additional Insurance '' dated XXXX XXXX stating that Green Tree had purchased additional flood coverage for me and I would be charged. The notice also stated that " We will cancel any insurance we buy without charging you any premium, interest, or related charged if you provide evidence of insurance ... no later than thirty ( XXXX ) days from the date on this letter. '' The same day I received a notice dated XXXX XXXX titled " Receipt of Sufficient Flood Insurance '' and stating that " A review of our records indicates that the flood insurance coverage for your property provides the coverage required for your account. '' So it seemed settled. However, XX/XX/XXXX I received my monthly statement for the payment due XXXX XXXX and it showed Transaction Activity on XXXX/XXXX/2015 of {$63.00} with the description " Insurance Advance Disbursement '' and a fee added to my monthly payment of {$7.00}. I called Green Tree once again on XXXX XXXX and spoke to XXXX in the Insurance Division. She could n't explain what the fee was for but said it " appears to be a one-time only charge '' and that I could write a letter requesting a credit. A couple of days later I received a letter dated XXXX XXXX stating " Per your request, this letter is to notify you that we are in receipt of your evidence of required insurance ... '' but only referencing the policy that renews in XX/XX/XXXX. The letter went on " Our records have been updated accordingly. Any insurance charges added to the account will be reversed where applicable. " But I just received my monthly statement for the XXXX XXXX payment and it also shows the {$7.00} fee ( I assume they 're pro-rating the {$63.00} over XXXX months ). I called tonight and spoke to XXXX who said she 'd submit an inquiry to the XXXX XXXX and I should call in XXXX days for an answer, but that she could n't advise me not to include the fee with my payment, which is due before then. This is entirely Green Tree 's error going back to XX/XX/XXXX when they deleted my non-expired policy ( as happens every year ) then taken to a whole new level when they received both current flood policies in XX/XX/XXXX but failed to update my account information ( as admitted to me by XXXX on XXXX XXXX ). It 's been months of hassle, and now a monthly fee which, while small, is completely unjustified.
11/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60076	Web
We purchased our home XX/XX/XXXX. We have been paying mortgage via auto pay through checking acct {$700.00} plus every 2 weeks since XX/XX/XXXX and we were never late. We were working with our mortgage company XX/XX/XXXX to completely pay off mortgage {$25000.00}. The mortgage was sold to Green Tree and we were not properly notified to change our direct payment method. Since XX/XX/XXXX we have been contacting Green Tree to get a total pay-off amount for mortgage. We requested the pay-off amount many times and were told it was being processed. Collections constantly called us early and late harassing us. They made comments like who did you talk to. That person no longer works here. You need to pay us. After not receiving a pay-off amount we called customer service and repeatedly left messages which were not returned. This went on for months. We would receive a figure to get the loan current but not the pay-off amount. Loan modification people began to call telling us they could lower our interest rate, roll arrears into the back end and there was no need to pay-off mortgage. We told them we have been requesting a pay-off and we are not interested in modification. We were served with foreclosure papers XXXX/XXXX/XXXX. We frantically called Green Tree trying to get the total pay-off amount that we have been trying to get since XX/XX/XXXX. Customer service told us the request had been mailed and emailed but we did not receive the pay-off amount. On XXXX/XXXX/XXXX we went downtown to meet with a lawyer from XXXX County legal clinic for assistance in filing an appearance and answer to the foreclosure complaint. The case management court date was set for XXXX/XXXX/XXXX. The legal clinic lawyer asked us to request a total pay-off amount again in writing and we sent request to Ditech and their lawyers. In the meantime, we were constantly being harassed by collections and modifications. We received a pay-off letter on XXXX/XXXX/XXXX from Ditech dated XXXX/XXXX/XXXX with an amount of {$33.00} that was good until XXXX/XXXX/XXXX. Both dates were 3 weeks old. On XXXX/XXXX/XXXX, we received a letter from XXXX XXXX firm dated XX/XX/XXXX with a reinstatement fee of {$20000.00} and not the total pay-off amount that we have been requesting. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX we received more phone calls from Ditech collections. We again told them we have been requesting a total pay-off for the mortgage. Collections verified that the letter dated XXXX/XXXX/XXXX should not have had the same good to date as the letter date. Collections also verified that the letter from XXXX did not give us the total pay-off amount as we requested but a reinstatement amount. After being on the phone for more than an hour and switched between departments we were transferred to XXXX in cc to get a total pay-off amount. It was confirmed that our multiple requests were on file. XXXX emailed us the total pay-off amount. We were shocked that it had grown from {$25.00} to {$33000.00}. We discussed payment methods with XXXX and verified wiring instructions. He told us taxes/insurance would be paid from escrow and paperwork would come in about 38 days. We did not go to case management since we finally had a figure and we wired {$33000.00} the following day XXXX/XXXX/XXXX. A week to 10 days later, we noticed the money back in our account. On XXXX/XXXX/XXXX we called and was placed on hold and transferred from department to department again. We were rudely asked who did we talk to. We received no answers.They asked us to fax the statement back to them which we did the next day. We paid but no one explained anything to us. XXXX said she would look into it. We told her we paid and end of story. Two days later we get a message that we will receive something from the lawyer no explanation. XXXX/XXXX/XXXX we receive a letter from Johnson/Blumberg dated XXXX/XXXX/XXXX with a pay-off amount of {$35000.00} good to XXXX/XXXX/XXXX and no explanation.
06/22/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84094	Web
I tried to sell my house in XXXX after my retirement and found that ( 1. ) XXXX XXXX county had overwritten the title on my house by replacing my name with that of the old mortgager who was sued out of business in XXXX ; ( 2. ) the county had added cost for water service that was not received since XXXX after they turned it off in retaliation for the actions I took against them for XXXX discrimination and the kidnap of my grandsons. For 2 years I requested that they turn it back on. No money was owed, but they refused. Finally when I talked to the head of XXXX City council, he told me that in my rage, I let go of some sensitive information about the church on the internet and they did not appreciate that. For about 15 years XXXX county made many attempts to force me and my family out of our home. After they had the gas turned off ( XXXX ) they turned off the water ( XXXX ). Following that, they tried to intimidate me by trying to condemn my house. They harassed me for 2 years after that by putting condemned notices on my door. They continued to charge me for water service which did not come to my house and served to make up the feign taxes on top of my regular taxes of $ XXXX/year. In XXXX I went to the county building to pay the XXXX & XXXX taxes, I asked about the huge fees and other charges and they pretended to not know or how to access any information on them. They would not take my money unless I paid the unknown charges as well. Forcing the issue in XXXX ( because I wanted to sell my house and downgrade and because I only have my pension, I need tax relief ), I was able to get the information I needed. The fees and other charges are water and an unknown debt. ( 3. ) That debt was a loan linked to a company called Ditech who claims that they bought the loan from XXXX in XXXX. Note : In XXXX the court stripped XXXX of any ability to do mortgage loans. They could still collect monies back, but w/out interest or fees, principal only ( which is what I was paying : $ XXXX/month and {$120.00} of each payment was to be escrowed for end of the year taxes ). XXXX XXXX ( XXXX ) sold themselves and XXXX to XXXX in XXXX, but their only viable business were credit cards. In XXXX XXXX phased out XXXX/XXXX, so after XXXX neither XXXX nor XXXX existed on any level. In the process, XXXX forgave the difference on my loan ( between {$47000.00} and {$57000.00} ) in XXXX. The newly concocted loan for $ XXXX from Ditech I found out about when I went to do tax relief ( XXXX ) at the county building. Neither I nor my daughter initiated this loan and it can only be a forgery. XXXX XXXX county had added this to the taxes along with the feign water bill and by overwriting the title, prevented me from selling my house in XXXX. Ditech claimed they acquired the loan in XXXX from XXXX, but XXXX had already been out of business for about 12 years at that time. Next they claimed that the loan was initiated in XXXX. XXXX was ordered to do no more mortgage loans in XXXX and again, this date is after XXXX demise. With a little help from a lawyer friend, they reinstated my name to the title of my house, but they set the house up for a forced tax sell this XX/XX/XXXX, cutting off any way of me selling my home to my benefit. For about 15 years I fought for the right to live in this neighborhood ( most of my friends lived here as well ). XXXX has tainted all of the countys actions against me and my children and now that I am retired from them, I expected to be able to retire out of their reach and further abuses from them. I have been trying to find help since XXXX. It has taken some time to just gather information on the loan fraud and to get the county to tell me about the false debt being claimed by XXXX XXXX XXXX ( aka XXXX XXXX county ) for water service they deprived me of for about 10 years. If this is not something your agency enforces, please direct me to an agency that can. It would be greatly appreciated.
04/28/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CO 80014	Web
Hello, I am so frustrated and angry and stressed that I might lose my home that I have worked so hard to keep. I filed for bankruptcy back in XXXX of XXXX. Right at that time XXXX XXXX XXXX also sold my mortgage to Green Tree. I kept my home under the chapter XXXX. In the bankruptcy, there were XXXX payments of around {$480.00}, and what they claimed to be legal and other fees for a total of {$1500.00} in arrears. Another year goes by, and due to some illness and struggles to find work, I started to fall behind again. Last XXXX XXXX they told me I was behind {$2300.00}. ( see spreadsheet titled Green Tree payment spreadsheet XXXX ). They also filed a motion to lift the stay of relief. Which was granted.My trustee said they would still pay, see bankruptcy docs, and I told Green Tree. As you can see I made an extra XXXX payments, and they also missed a payment I feel from back in XXXX of XXXX. I emailed the copy, which they say they never got, I then faxed it and got confirmation it went through, they say they never got it, so I finally mailed, with correspondence, registered return receipt. I then inquired the next several months, which you will see 4 canned responses " we will get back with you in 30 days '' ... they never did. I was trying to find out the status of that missed payment, whether I was paying enough ( you will see extra amounts being paid on my money orders ), and what would happen with the payments that were wrapped into the bankruptcy. Fast forward to a little over a week ago. I get a notice from them that I am in default and that I owe them {$4000.00}. I was of course shocked. They say I am XXXX payments behind and 200+ days behind. It is in no way true. Please find enclosed copies of every payment I have sent since last XXXX, return registered receipt, except for one ( which they do show they got ). they also did not apply a payment I sent in XXXX that I show they got. And, I found out that the payment I sent in XXXX was lost by USPS, and I am in the process of filing a claim with the money order company. However, Green Tree will not let me pay online, so when I am doing everything in my power to make sure they get payments, and USPS loses something, what am I supposed to do? I was not able to get a regular checking account for the last few years because of the bankruptcy so had to send payments by money order. I have now found a bank that will take me and will be opening an account today. So, since I have gotten this notice, I have been on the phone with them several times a day and I keep getting the runaround. Last week they were telling me they could not talk to me because the old attorney ( whom I fired last year ) was still on the account, even though I told Green Tree last year I fired him, so I had to have the attorney fax their release, which they did last Thursday, and have the date and confirmation. As of yesterday Green Tree said they still did not show in their system. I spent over an hour yesterday trying to get answers, was transferred several times, they could not tell me if the arrears was included in the $ XXXX total, they ca n't give me an accurate accounting ( see printout from them only showing a years payments ). I am attaching everything. What they are doing to me is unethical, and their legal action needs to be delayed until they can provide me clear and concise accounting. I just sent another {$500.00} ( I have copies ), and can send another {$600.00} tomorrow. And I will be borrowing money and selling some stuff, which you will then see just leaves the arrears of {$1500.00}. on my spreadsheet. I am filing claim for lost payment sent XXXX/XXXX/XXXX, so add that on too for {$500.00}. Did they give me credit for payment in XXXX XXXX? I have also sent this to a new attorney that I may retain. Also, if they could n't talk to me before they should not have sent those response letters and told me I needed to get my attorney off the account.
08/17/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	CA 92630	Web	Older American, Servicemember
I filed complaints against former servicer, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX & all these complaints have been withdrawn due to XXXX being fined & removed as mortgage servicer. We were transferred ( assigned ) to Ditech, XXXX XXXX XXXX ( formerly known as Greentree Mortgage ) as of XXXX/XXXX/XXXX. Attached is the " Notice of Servicing Transfer '' dated XXXX/XXXX/XXXX. We submitted all documents requested for a " Temporary Loan Modification '' & were approved for an in-house modification through Ditech 's Loss Mitigation Dept. The Trial Modification is dated XXXX/XXXX/XXXX ( see attached ). We complied with the conditions of the loan modification & began making payments of {$1100.00} starting prior to each of the 4 months we were told to pay : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. We received Ditech 's " Permanent Modification '' dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX by XXXX XXXX. The Permanent Modification differs dramatically from the Temporary Modification ( enclosed is the Trial & Permanent Modification for your review. On XXXX/XXXX/XXXX I spoke with XXXX at ext. XXXX, a customer rep who told me that Ditech is modifying the modification terms of our loan " authorized by XXXX XXXX XXXX. '' Since XXXX/XXXX/XXXX we have had at least XXXX different Single Point of Contacts ( SPOC ) - See attached Phone calls to Ditech containing SPOCs listed on our phone logs. The names of our SPOCs were : XXXX XXXX ext. XXXX, XXXX XXXX ext. XXXX, XXXX, ext. XXXX. On every call to our SPOCs, if they were not available, I spoke with a customer rep. If no customer rep was available, I left messages for the SPOC at the time of the call, however, NO SPOC EVER RETURNED MY CALLS! Once we reviewed Ditech 's Permanent Modification, some of the issues we have are as follows : The assignment from XXXX Bank ( original pretender lender ) to XXXX XXXX is clearly fabricated : while dated XXXX XXXX, XXXX, it refers to an entity, as assignor, which was formed in XXXX, and so the document was prepared & record XXXX/XXXX/XXXX ( XXXX years after we refinanced our home to lower the fixed-rate from XXXX to 6 % interest. This document may well qualify as a forged document, or be otherwise void under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The language cited in XXXX. and XXXX, together the identification of the lender as Ditech, may constitute an assignment in and of itself. I believe that, but would confirm, that the problems with the assignment may be cured with a proper endorsement under the XXXX, because the security interest follows the debt in California. There are questions about the validity of the allonges -- they appear to be inconsistent and to be " tada '' allonges ( magically appearing after the dispute has arisen ) -- which arise from issues involving the collateral file. Ditech is not going to agree to a loan under which its right to foreclose is questionable, so the issue is how much the deferred principal would be reduced in exchange for solving Ditech 's problems. Under XXXX XXXX, XXXX and XXXX are agreeing that the {$490000.00} balance is correct -- they have not waived the improper drive-by fees of {$9200.00} to prove we live in our home which we do. There is no Transparency Statement. They list a balloon payment on XXXX XXXX, XXXX, as {$170000.00}. But the real balloon payment is {$420000.00} ( {$170000.00} + {$240000.00} ), because the deferred half of the principal is also due. The document lacks an integration clause meaning the agreement can be supplemented by additional terms. On Pg. XXXX " Permanent Modification '' Sec. XXXX. disputes XXXX. Since XXXX/XXXX/XXXX all customer reps say, " I am ca n't speak about your account as you are in litigation. '' When I say we are not in litigation, they refuse to accept this. When I ask for a FAX or phone to call Loss Mitigation to resolve issues, the numbers are not valid. We thwarted in attempts for help.
07/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08820	Web
I pay my mortgage via bi-weekly payments which Ditech automatically withdraws from my bank account. On Friday, XXXX XXXX, 2016, Ditech failed to complete that transaction. This payment would have completed my mortgage. On Monday, XXXX XXXX, 2016, after confirming with my bank that Ditech made no withdrawal, I called its customer service department. " XXXX in XXXX XXXX, TX '' confirmed that the payment could be made by withdrawing the funds from my escrow account. She told me I must send a letter to the Ditech office in XXXX, IL which gives my permission for this transaction. I mailed this letter the same day. Please note that my escrow balance is {$1500.00} after a property tax payment was made on XXXX XXXX, 2016. The next payment is due on XXXX XXXX, 2016, which occurs long after my mortgage is paid off. Thus, I am due refund of this entire balance. I believed that transferring these funds to pay the principal balance of {$100.00} plus interest was reasonable, and that Ditech would promptly complete this simple transaction. During my phone call on XXXX XXXX, 2016, " XXXX in XXXX XXXX, XXXX '' told me that my letter was not in Ditech 's records. She said it should have been mailed to Ditech 's XXXX XXXXXXXX office. Upon her advice, I sent an email to that office requesting the above transaction. That same day, Ditech set me an email confirming receipt of my email. On XXXX XXXX, Ditech sent me an email stating that my request is being reviewed for appropriate processing. Ditech also sent me a letter dated XXXX XXXX which confirmed receipt of my correspondence on XXXX XXXX, that they are fully investigating my inquiry, and that I could expect a written response within 30 days after they received my correspondence. At my third phone call on XXXX XXXX, " XXXX in XXXX, XXXX '' confirmed that my letter of XXXX XXXX was on file, and that Ditech had not processed my request to pay off my mortgage. I told her of my concern about being penalized with a late fee. XXXX said that would not happen as I was protected by my phone call on XXXX XXXX. I told her that Ditech 's delay in closing out my mortgage was causing a delay of my escrow balance refund. I asked to speak to a supervisor, but XXXX said there was nothing the supervisor could do. XXXX stated that nearly 30 days have passed since my request was made, and that it should be completed soon. I called Ditech on XXXX XXXX, 2016 in response to a voicemail. " XXXX XXXX XXXX, XXXX '' told me I was late with my payment. I attempted to tell her about my phone calls, emails, and letter. She repeatedly interrupted me. The multiple actions I took to get my mortgage paid did not matter to her. She had the nerve to tell me that this situation was my fault, and that my request to pay via the escrow funds could be denied. No prior individual I spoke to made such a statement. She refused my requests to speak to a supervisor. She demanded that I pay a late fee of {$28.00}. This individual spoke to me in an unprofessional and discourteous manner. She was hostile, adversarial, and unhelpful. On XXXX XXXX, 2016, via XXXX XXXX mail, I sent a payoff check to Ditech in the amount of {$120.00}. This included the principal balance of {$100.00} interest of {$0.00}, and the late fee of {$28.00}. On XXXX XXXX, I received an email from Ditech that the payment was applied. On XXXX XXXX, I received a letter ( dated XXXX XXXX ) informing me that Ditech was " in the process of reviewing my written request, and that their " research has not concluded ''. The letter also stated that Ditech was conducting an " ongoing investigation in an effort to provide you with a resolution ''. On XXXX XXXX, I received this same letter ( dated XXXX XXXX ). I entrusted Ditech to collect my mortgage via an automatic payment plan. Ditech failed to fulfill its obligation to me. Ditech failed to correct this situation, yet blamed me and penalized me. This is unacceptable.
03/30/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MH 497XX	Web	Older American
Greentree servicing took money from me under false pretenses. They devised a scheme to make it appear as though I was paying on my mortgage. Let me explain what they did ... XXXX my chapter XXXX bankruptcy was discharged, in that bankruptcy my home was included, and Greentree owned that mortgage. Under this scheme, Greentree was able to collect XXXX of dollars from me. On XXXX/XXXX/XXXX there was a sheriffs sale regarding that mortgage, and Greentree became the owner of that house. On XXXX/XXXX/XXXX, I informed Greentree that I was getting a forclosure attorney to save my home, as I was still in the redemption period. On that date, Greentree decided to work with me. I explained to them that my income had changed, and that I would be receiving a lump sum of {$10000.00} from VA..and I was also going to receive a monthly income that would assure them that I would be able to make the monthly payments. So, at that time Greentree decided to do a loan modification for me. VA had been a little slower than planned in getting my money to me. So Greentree was skeptical and proceeded with the eviction, as it was at the end of my redemption period. I went to court and fought that eviction, and was granted a stay, because Greentree 's attorney also confirmed that they were working with me on a loan modification and the Judge granted us 30 days to come up with the money. On XXXX/XXXX/XXXX, Greentree accepted {$10000.00}. and applied it to the account # that had been discharged in my bankruptcy, also, on XXXX/XXXX/XXXX I received a rate modification letter, that spelled out my payments and my interest. At the end of XXXX, I received a form XXXX from Greentree, showing the interest I had paid in XXXX, which was {$11000.00}, that was mortgage interest paid to Greentree. Everything seemed fine, until XXXX/XXXX/XXXX, I received a new rate modification letter. That is when Greentrees story began to change. At that time my payment went up, I had to fight with them to honor our agreement and keep the payments the same. They had told me the only reason my XXXX rate modification was for 12 months and not for the length of the loan was because they could only put 12 months at a time in their system. I have the XXXX/XXXX/XXXX rate modification letter to verify that change. I also have the XXXX form XXXX to verify the interest I paid on that loan modification. It was early XXXX that I found out that Greentree never put the home in my name. On XXXX/XXXX/XXXX, I received a letter from Greentree stating that they were currently in the process of deeding the home back into my name. At that time, I was confident everything would be taken care of. Next, I received a letter and was told I was n't paying on a mortgage, but actually paying rent. I threatened to sue them for fraud, if they did n't resolve this. So I retained an attorney, who advised me that taking on a fraud case could be quite expensive, and asked if I really wanted to keep the home, qualifying for a new mortgage would be easier.. That is what we decided upon, and Greentree agreed . The agreement was that if we did n't close the house within 6 months, we would give up possession of the house. At that time, we thought that was a fair deal, because Greentree accepted to sell the house to us at market value. When it came down to final approval, all Greentree had to do was verify the money I had paid them for the previous couple years ... .and state on a legal document that I was either a homeowner or a renter, and they would not sign that form, so my time ran out and they evicted us and took our home XXXX XXXX. We have documentation of everything stated. That was one of the most devastating and emotional events that we have experienced ... .having to leave our home, our friends our church and try to explain why. All because Greentree ran this scam ... ..all they had to do back in XXXX was say no, and they could 've taken the house then.
02/08/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85008	Web
To whom it may concern : Ive been having issues with the way that Ditech has been applying my payments since XXXX of XXXX. Over the course of the last several years Ive made it a practice to pay my mortgage about a week early and pay whatever extra I can towards my principal balance. In XX/XX/XXXX my payments ( sent via XXXX Bill Pay ) started to be applied towards principal entirely. In XXXX I called in and asked XXXX to have my funds reapplied. In XXXX I called on to check on my payment and was told that it would reflect on my next statement of account. In XXXX I talked to XXXX who advised me that my payment was applied to principal again, said it would be reversed and corrected in 5 days. I kept inquiring as to why my payments were misapplied and wasnt provided with a substantial answer, I was told that it would be escalated so my payments wouldnt be misapplied happen again. In XXXX I talked to XXXX who gave me my account breakdown and told me to disregard my account statements because they were incorrect. In XXXX I made my XXXX payment ONLINE and chose where to allocate my payment so I thought I would work around whatever glitch that Ditech had in their system.but NOOOO. I made my payment too early and again it was all applied towards principal. I didnt catch my XXXX statement in time so Ditech reported my ERRONEOUS late payment to the credit bureaus which has now dropped my credit score over 100 points. I had to wait until after XX/XX/XXXX when Ditech could fix my misapplied payment before I felt comfortable making my XXXX payment. I made my XXXX payment online and all appears to have processed correctly since I didnt do it too early so at least Ive figured out the formula of paying my mortgage again. But I go to view my billing statement and the principal balance of {$98000.00} doesnt appear to be correct to me. Throughout this entire ordeal Ive expressed to every customer service agent and manager that I make my payments early, I track my payments in a spreadsheet, I care about my credit score and track this stuff religiously which is IMPOSSIBLE to do without accurate account statements. I have ZERO faith in any of the statements that Ive received since XX/XX/XXXX. As a mortgage servicer it is YOUR duty to provide me with accurate account statements and to tell me how my money is being allocated. Its also your responsibility to apply my monies correctly but I dont see that happening. Ive had zero follow-through from any agent that has accessed my account. While all of the Ditech agents are friendly none seem to have the power to fix my account, correct my statements, or accurately explain how my money was applied over the last 6 months. To make this right : 1. I would like revised account statements for XXXX XXXXToday reflecting the CORRECT application of my payments and the progress associated with my loan. My payments should show that they were applied to my loan on the day that they are made ( remember Im being charged interest on my loan, the day of the payment matters ). 2. I would like a copy of my current amortization schedule. 3. Ditech needs to personally handle the ERRONEOUS late payment that was reported on my credit score prior to XX/XX/XXXX. This was reported in XXXX, as far as Im concerned it should be corrected by now. I prefer not to go into more detail than is outlined in this email but I have more specifics to include as far as timeline is concerned if its of interest to Ditech directly. I expect that every agent and manager that I spoke with notated my account for your reference. Given that this is a more formal way to complain I hope to get my account issues resolved in a timely manner. I'll be emailed this same complaint to Ditech, I will be faxing and mailing my complaint to them as well. I don't want to have to continue to deal with this into the distant future so I'm also filing this complaint online now with the CFPB.
02/01/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 95116	Web
I am forming another compliant against Ditech with the hopes of making it more precise. My problems started when XXXX sold my loan to Greentree/Ditech. XX/XX/XXXX, Ditech sent me a letter stating that my escrow overage amount would increase and the shortage was {$890.00}. They stated they would spread it out over a 19 month period ( refer to XXXX page of escrow account disclosure statement ) ; however I sent in the full payment of {$890.00}, check dated XX/XX/XXXX, that cleared my bank ( see enclosed ). When I received my XX/XX/XXXX, statement they showed I owed {$2000.00}, I assumed it was because they had not received my payment in full In the amount of {$890.00} because I did not sent it off until the XXXX of that month. I did call them to let them know I choose to pay in full and not have it added in my monthly payments. Therefore, I informed them I would mail in my regular payment under the XXXX agreement which was {$1900.00} based on the interest rate. My interest rate went up XX/XX/XXXX ; however the effective payment date was XX/XX/XXXX. Ditech has been holding my XX/XX/XXXX mortgage payment in a " Funds in Suspense Balance, '' in the amt. of {$2100.00}. Please refer to a statement I enclosed ( dated XX/XX/XXXX ). The information is located under account information in the first column. Since that date, every payment I have sent in, Ditech has applied to the previous month ; therefore they state I am one month behind on my mortgage. Let 's just say my payments were {$2000.00} for XX/XX/XXXX ; well the amount they are holding in the " Funds in Suspense Balance '' exceed the amount they stat I owe. In addition, I have enclosed just a few of the letter 's Ditech has sent me, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX stating different amounts that I owe, maybe they can explain those to you because they make no sense to me. If you refer to the analysis report enclosed, the records will show that they paid my escrow amount on XX/XX/XXXX, in the amount of {$3100.00}. If you add the balance of {$2700.00} with the {$890.00} payment I mailed in on XX/XX/XXXX ( it cleared my bank on XX/XX/XXXX, please refer to back of check enclosed as well ) the amount total {$3600.00}, which was more than enough with some left over. On XX/XX/XXXX, Ditech sent me a letter stating they conducted an escrow analysis report, however they did not fracture in the {$890.00} cashed by them on XX/XX/XXXX, which was after the statement was sent, but before the XX/XX/XXXX escrow payment was made. In addition, to all the other letters, they sent me a letter stating I had a past due amount of {$64.00}. By the way in the letter they sited my payment had not been received on time for that month, well the post office would disagree. I sent it certified and tracked, and if staff entered it a day or so late that is on them which is why I was n't charged a late fee. ( letter enclosed ). I literally have a 3-ring binder full of mail from Ditech, sending me information about foreclosure, sending me to their collection dept., denied me XXXX modification ; however, they will say I rejected them. I have several letters showing they rejected me. They requested the same information over and over, but that was not sufficient. When I applied the 2nd time they rejected me stating it was because I rejected the first one, which is n't true. I also sent a cease and decease letter siting the law that was notarized and they ignored it I pray you can help me resolve this on-going very stressful matter. Ditech is giving me the runaround as a struggling homeowner receiving Social Security XXXX ( since XX/XX/XXXX ), harassing me, sending me to collection, sending me foreclosure mail, and doing their best to confuse everyone, sending out different letter 's with amounts I owe them. Please carefully review the proof I have enclosed. I have not missed or been late on a payment, and I am a good custome
09/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ XXXXX	Web
My complaint is with Ditech Financial LLC ( XXXX XXXX XXXX ). We reached a financial hardship when I lost my job. Having difficulty paying our mortgage, we requested a modification. We applied and were denied due to having enough income to cover the mortgage payments as is. So, we continued to pay late. We went as far as taking out a pension loan to pay the mortgage for a few months. After that was running out. We applied again for the modification. We kept getting the run around that documents weren received. We mailed them certified & faxed them. Then after my husband complained to upper management, suddenly the documents were found. We reapplied in XXXX XXXX. Then XXXX XXXX we recieved a letter that they were looking into the value of the home. So we waited. Then on XXXX XXXX, XXXX I received a letter stating here is your terms for the Repayment Plan you requested. I never requested a repayment plan. The letter was dated XXXX XXXX, XXXX and it gives me a list of payment dates beginning XXXX XXXX being my first payement. Then XXXX XXXX being payment # XXXX. So, as of the date I receive the letter I already was n't in compliance. Then the bottom of the letter says repayment plan letter XXXX XXXX, XXXX. I called to have the rep explain to me what was this letter about, because this is the first I hear or see this. She explains to me that the payments are broken down in 6 month increments to pay my monthly & my past due. Now they want me to pay more then what my mortgage is, when I 'm having a hard time to pay my actual mortgage payment. Then she tells me that I 'm not in compliance bc I did n't pay XXXX XXXX. I told her to look at the date if the letter. She claimed they sent me one prior. I said I never received it. Also, what happen to my modification. She could n't see the answer so she was going to find out & call me back. I waited until the next day, & called her. All she said was I was denied. So I asked for the denial letter so I can appeal. I never received it. I called again. Repeated everything all over again. To be told I need to speak to my account rep. I asked to speak to her & she was n't available. So they transferred me to her voicemail and it ended up being transferred to someone else. I had to repeat everything all over to be told that the system does n't allow me to leave a voice message. So they supposedly inter offices her a message to call me. I waited & never got a call back. I called again, same thing happen. Then I called again asked for a supervisor and was told that no one was available. Then when I threatened to call a lawyer or report them suddenly a manger was available. I spoke to her explained what was happening and she told me I was right that I received the letter too late. But she still wanted me to pay the XXXX payment and 2 weeks later pay the XXXX. I told I can make one payment only at the moment. She said ok.. and I was going to call her back bc I had to get my check book. She said ok call me back and speak to her. I called back about an hour later. Was told that she was unavailable & that she will call me back. Never received a call back. Then I received a letter stating I had a new acct rep. So I called again. At this point I still never received my denial letter I requested from modification or the original letter for the repayment plan. I calldd & Repeated the whole story to him. He agreed that my repayment letter was sent late. He also told me that the XXXX XXXX letter was the original letter. Then as for the modification he did a lot of digging and found my denial letter & emailed it to me. Then he tried to see if I qualify for a modification & the system told him I had a modification plan, which was the repayment plan. He tried to desway me from applying again bc it 's starting all over again. Also I aske why is it it takes 10 days to receive letters from you but only 3 days to receive a foreclosure letter?
09/20/2016	Yes	Mortgage Other mortgage	Settlement process and costs	MD 210XX	Web
My wife and I have been upside down on our property since purchasing the home at height of the housing bubble XX/XX/XXXX. At that time we were in an XXXX interest only loan to XXXX with a balance of {$560000.00}. In an effort to save our property, we entered into a Chapter XXXX bankruptcy XX/XX/XXXX. The bankruptcy stripped away the second lien, reducing the mortgage to a {$440000.00} interest only loan and then the loan transferred to B of A. At the time of the transfer, the XXXX of the property was in the high XXXX to low XXXX range. We successfully completed the Chapter XXXX in XX/XX/XXXX, but although we were able to make our trustee payments we fell severely behind in or mortgage payments.The loan ( which transferred from XXXX XXXX XXXX to XXXX XXXX XXXX to Ditech ) is 1412 days delinquent as of XX/XX/XXXX. The loan is an interest only loan at 7 percent and we also owe unpaid escrow amounts. The current statement from Ditech ( attached ) has rolled the principle balance of {$440000.00}, a corporate advance balance or escrow of XXXX ( this calculation is not explained in any of the loan documentation ), and an Unapplied funds balance of {$1200.00} ( is n't this money I 've paid that has n't been applied ). The balloon for the original 30-year interest only loan also begins XX/XX/XXXX - so the new full monthly payment ( including escrow ) totals {$4000.00} if I ca n't refinance or modify the loan. Fortunately, Ditech put me in a trial modification that said I had been approved for a trial period under Tier 2 of the Home Affordable Modification program. The terms of the modification based on our gross income of {$17000.00} ( see attached ) were for a loan amount of {$390000.00} at 3.125 interest rate for a 40-year term. Additionally, they would set aside {$170000.00} as an interest free principle forbearance to be paid as a balloon at the end of the 40-year term. The payments of {$2000.00}, which included an estimated escrow amount, began XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX Ditech posted that I had been " Approved '' for a HAMP modification ( see attached ). Although Ditech has not mailed the permanent modification terms to me as of XXXX XXXX, XXXX, they did post them online to my account. Here is the crux of my complaint : I believe Ditech is violating the HAMP guidelines under Tier 2, because they are offering the 40-year amortization payment for {$2000.00}, but on a 20-year term with a balloon at the end that accrues interest on the shortage each month. I believe the HAMP Tier 2 guidelines require a minimum 30-year term with this kind of arrangement. As offered, I will owe an estimated balloon payment of {$260000.00}. Coupled with a principle forbearance of {$180000.00} ( yes it inexplicably increased by {$14000.00} ), I will owe {$440000.00} at the end of the 20-year term. Any payment amount over the {$2000.00} will be applied to the principle forbearance and not the interest bearing balloon. Additionally, the terms authorize an increase annual increases to the monthly payment and escrow after the first year. Here 's an excerpt : " The above terms in this Section XXXX. shall supersede any provisions to the contrary in the Account Documents, including but not limited to, provisions for an adjustable or step interest rate. '' This language appears to allow them to make " unlimited '' annual increases to my " fixed '' interest rate. Also, there is no language capping these increases, which could conceivably continue for the entire 20-year term. When I called the listed " account representative '' with questions about these terms, I was referred to the " investor negotiator '' who to date has not returned any of my messages. Ditech has not provide any documentation that itemizes their fees or estimates. They also have not included any kind of proposed amortization schedule detailing principle and interest paid under these terms.
10/17/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PA 190XX	Web	Older American
I have always paid my mortgages and bills all my adult life. In recent years XXXX XXXX XXXX took over my mortgage and things have been going downhill ever since! I was doing a refinance with them and everything was good until they reported they was n't doing PMI at the time and suggested I do a modification. I agreed and bottom line, the rep that told me what to do and what to pay at that time on the phone was wrong. I have been paying the price ever since for her mistake that they acknowledged. They threatened me with foreclosure after I refused to pay for their mistake which amounted to 3 months behind on mortgage payments. They then sold my mortgage to Green Tree. I decided to not fight with Green Tree and catch things up and did. That did n't matter because in all the turmoil and not ever getting to date a " Normal regular mortgage statement '', my escrow went up and even though I was making monthly payments, they never went towards full mortgage payments! When it rains it pours! I lost my job and income went from {$85000.00} a year to {$28000.00} a year as of last year! A complaint of that discharge is still pending. In the meantime with Ditech which was formerly Green Tree, I am trying to get another mod to save my home! In two months I will start getting my Social security and also my pension from my former job amounting to around {$80000.00} a year income for life along with what I am now making working. The way things look and are going now, It might be too late! I ca n't afford being where I am now until that time because of the things that first happened with the mortgages and then my employment! I may lose my home and everything else along with my family, then two months later be financially ok again! The whole time I dealt with Green Tree I begged to meet with someone to go over everything and sen them certified letters requesting such. Instead talked to dozens of different reps that no XXXX ever told me the same things! I also paid whatever they told me to pay at those times on the phone with them and have records of such. At this point I am totally out of answers and do n't know what else I can do. I did contact a fannie mae counsler and working with them also. All bills and finances are behind now and I ca n't save or even pay anything in full. In a matter of one year, my excellent credit rating I had all my adult life is going down the drain! Just at a time when I am supposed to be retiring and sitting back and relaxing after working all my life since age XXXX straight until now! I had asked XXXX XXXX XXXX could they put those months behind that was their fault at the end of the loan and they said yes. They never did! The rest is history! Ditech which is formerly Green Tree tells me that they are different now and things will be handled differently from the way Green Tree handled things. If that is the case, then they should see how things really got messed up to this point with people like me dealing with Green Tree and XXXX XXXX XXXX! I never ever had a problem with a mortgage in my whole life until those XXXX took over my mortgage! Check my history up until those points! Again, I did write and do have certified letters to Green Tree requesting a meeting to go over what was happening with my mortgage starting a year ago, to no avail. Had I had a meeting back then, I would have even found out my escrow had gone up and that the full mortgage payments I thought I was making for a whole year was n't applied! I had no clue! Finally this past XXXX 2014, a rep there informed me of that when he did some research to find out why my mortgage was past due! Told me it was temp and things would change then told me what to pay that day on the phone to him. That payment he told me to pay was less than my normal mortgage! Why did he tell me to pay that amount? All there is supposed to be recorded and on record! There are many such records!
01/29/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	VA 23434	Web	Servicemember
During the process of selling my home in XXXX, FL the title company, XXXX XXXX XXXX, requested a loan payoff amount as is industry norm. XXXX XXXX XXXX received the payoff amount by fax on XX/XX/XXXX from the lender, Ditech, which showed the payoff of XXXX listed on the statment as valid through XX/XX/XXXX. XXXX XXXX XXXX paid this amount to Ditech on XX/XX/XXXX with electronic IMAD # XXXX. I received a letter from Ditech approximately XX/XX/XXXX that stated that my payment was late. I contacted Ditech and they informed me that they had mis-applied the monies and that they in fact had a surplus in the account that would re-disbursed to me no later than XX/XX/XXXX. On XX/XX/XXXX I received a letter from Ditech stating that my loan was still open and that I owed in excess of {$800.00} that was dated XX/XX/XXXX. Upon calling Ditech I was told that they paid the taxes on XX/XX/XXXX therefore, the payoff letter was nullified. Ditech charged me in excess of {$1000.00} dollars in interest on the loan during this time. I then paid {$1000.00} from my personal account on XX/XX/XXXX to satisfy any possible outstanding balances even though there was a surplus of more than {$570.00} in my escrow account. Pursuant to federal law, being that the taxes for year to date had not been paid by anyone on XX/XX/XXXX, upon closing, XXXX XXXX XXXX paid the taxes on the property and they were received by XXXX XXXX XXXX Collector on XX/XX/XXXX with a check that cleared that same day. The reference number for the check is XXXX in the amount of {$1200.00}. XXXX XXXX Tax Collectors office informed me by phone on XX/XX/XXXX that they did not receive a check from Ditech for the taxes until XX/XX/XXXX and the envelope the payment arrived in was post marked XX/XX/XXXX. This does not match the payment date of XX/XX/XXXX as stated by Ditech. The rejection letter for the payment and check were returned to Ditech on XX/XX/XXXX by XXXX XXXX Tax Collector as the account had already been paid by XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX Tax Collectors Office can be reached at XXXX option 2.I have all documents referenced and those that show I was continued to have interest charged on my account in excess of {$1000.00} even with the exacting dollar amounts listed as pay off delivered within one day of the payoff letter being faxed to XXXX XXXX XXXX. I have spoken to 5 or 6 different employees and each one has " no idea why all this happened '' but they " apologize and will do what they can to help '' which to date has been nothing. These people need to be held accountable for their ILLEGAL and UN-ETHICAL practices. Again, Ditech has not provided truths in this manner and this falls under predatory and illegal practices. Additionally, they have to date REFUSED to put any of the conversations over the phone in writing with me and they have REFUSED to send me a statement of my account with full payment history. They have preyed on me as member of the XXXX XXXX and I am certain they have done the same to others. I filed CFPB Complaint # XXXX to which Ditech merely stated that it was an oversight on their part. Ditech they received their monies for the oversight on the paid the taxes back from a third party vendor on XX/XX/XXXX and that they would be returning my funds to me within 20 days. Ditech has yet to return the overage that they still hold of my money which by their own admission is greater than {$1200.00} USD, the loan closed on XX/XX/XXXX. Additionally they have yet to provide me with the requisite tax documentation from my mortgage account to file my US tax return with. Ditech continues predatory practices with no regard for regulations. They CAN NOT be allowed to continue to operate in this manner and the CFPB needs to investigate and provide documentation to the Federal Trade Commission, SEC or other governing entity regarding this un-ethical and unlawful lending processes.
07/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 31324	Web
On Friday XXXX XXXX, 2016 I went online to make a monthly payment. There was a box to enter an amount, which I do n't recall seeing prior to. I entered {$700.00} in that box as the amount I wish to pay instead of the normal {$660.00}. I submitted and received confirmation. I then noticed the amount of {$1300.00} as the amount being paid ( {$660.00} plus {$700.00} ). I did not have the funds nor did I mean to make an additional payment, only the {$700.00} to cover the month of XXXX and a late fee. I began to freak out, looking for the payment to modify it or cancel it on Ditech 's website. I was unable to find that payment nor does Ditech 's website have that ability. So I called Ditech 's customer service as the website instructs to do if you wish to modify or cancel a payment. The time was XXXX XXXX and lasted for exactly 1 hour and 11 minutes. After speaking with XXXX different Ditech Representative 's in an attempt to correct the error, they all basically stated the same thing, the payment could not be canceled or modified, it would be ran against my bank account twice and there was nothing anyone on their end could do regardless of our calling immediately after it occurred. XXXX agent stated that had we called earlier, before XXXX, they could have done something. The payment error occurred well after that time and even though we called right away their hands were tied. They suggested we contact our bank to stop payment as that was basically our ONLY option. This is exactly what we did. We stopped payment with our bank, confirmed only the {$1300.00} would be refused because we still needed to make our monthly payment for XXXX. On Tuesday XXXX XXXX, 2016 I logged into Ditech 's website to make my {$700.00} payment for XXXX. I insured only the amount of {$36.00} was entered in the box to bring my total payment to {$700.00}. When I submitted the payment I received an error message. It stated, " Duplicate XXXX payment Return to electronic payments. I figured I would have to try again later as the {$1300.00} was showing applied and it still needed to be corrected on their end. Next we received the VERY FIRST confirmation of payment via XXXX delivery system. It 's dated XXXX XXXX, 2016 confirming the amount of {$1300.00}. This seemed odd considering everything we went through to modify and/or cancel that payment error on that date, never receiving a payment confirmation via postal service as well as being told our only option was to stop payment with our bank. On Monday XXXX XXXX, 2016 I logged on to Ditech 's website and noticed the {$1300.00} still applied giving our next due date XXXX XXXX, 2016. Regardless I knew I needed to pay for XXXX so I made an XXXX attempt to pay the {$700.00}. This time the payment went through. I received a confirmation # for the payment. I continued to check back for the reversal of the {$1300.00} and it was finally corrected Tuesday XXXX XXXX, 2016. The day after we made the {$700.00} payment. However, the {$700.00} payment made the previous day was not showing. Ditech has been fully aware of the situation surrounding the {$1300.00} payment since about 5 minutes after the error was made. We have remained in contact with Ditech throughout this entire situation, we continue to receive letters in the mail, they state we are behind yet we have now made XXXX payments ( XXXX XXXX, 2016 for {$700.00} and XXXX XXXX, 2016 for {$660.00} ) so according to our records we are all caught up. Ditech has failed to apply the {$700.00} payment after providing the conf # multiple times, have tacked on late fees and applied my XXXX XXXX payment for XXXX. We 've received different information from Ditech regarding the XXXX XXXX payment of {$700.00}. Though, do to the ongoing events that have taken place over XXXX payment error, Ditech has lost our trust in their website for payments as well as the information their agents provide.
06/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 601XX	Web	Servicemember
XX/XX/XXXX, due to medical reasons we missed 3 mortgage payments to XXXX. They offered us a loan modification and we began the long process in XXXX XXXX. After 20 months and excuses galore on their part our loan sold to XXXX and we assumed they would complete the modification. Later we were told by XXXX the loan was approved the very day it sold. XXXX accepted 2 months payment retuned the 3rd month stating " insufficient funds to bring account current ''. XXXX claims the loan modification was not approved and the loan is now delinquent and requires {$17000.00} to bring loan current. We ca n't even begin to tell you the number of exasperating and XXXX producing phone calls that have fallen on deaf ears. Instead of contacting XXXX to figure out what happened XXXX sent our home into foreclosure. To add insult to injury the loan gets sold again in XXXX XXXX to Ditech. For 3 weeks no one was able to tell us anything at Ditech because the info had n't been entered in their system, in the mean time our home is inching closure to foreclosure. When the info is finally available to our " representative " she never returns our daily messages left to call us and tell us what is going on. No matter what number you would call it always got routed to our " representative ''. Finally after a month and a half she answered the phone only to tell us " she ca n't call us as long as our loan was in dispute ''. So tell us how are we to resolve this if no one calls you back? We have never seen such incompetence. We have been to court twice and per the judge we should n't have to return as long as we are trying to resolve the issue. We waived the right to the free legal service because as ironic as it sounds we received the most help from the law firm suing us then anyone else and they would stop working with us if we hired another attorney. Unfortunately they work for Ditech not us and they can not force them to speed up their process.Our main issue now is Ditech is dragging their feet on this. We have been notified 6 times that they need more time " to investigate ''. Investigate what? We have provided them with a letter from XXXX stating that the modification was approved as of XXXX XXXX ( literally the day it was sold ) and bank statements showing every single payment made. We appeared as summoned to court. When we call if you 're even lucky enough to get a human to speak to we hear the same canned response, " we need more time to investigate ''. We found an article from your web site dated XXXX XXXX " CFPB Takes Action Against Mortgage Company for blocking Consumers ' Attempts to Save Their Homes '' That company was XXXX and the CFPB took action against them for " failing to honor loan modifications already in place ". Well we 're here to tell you they are still practicing unlawful conduct with their customers loans. We 'd like to jump on that bandwagon of {$1.00} mil compensation XXXX needs to pay their victims we certainly are owed it after what they have put us through even though they no longer own the loan XXXX we are now at the mercy of Ditech. This has gone on long enough! We would like to get back to our lives and ca n't until this is resolved. We can never explain the stress, the sleepless nights, the migraines XXXX the anxiety ridden months that have befallen our family over this. The people you talk with from these company 's say " Oh we understand how you feel, Really? You know what it 's like to possibly have your home of 28 years ripped out from under you due to an incompetent paper pushers clerical error? We have spoken to anyone we can think of to help resolve this nightmare we find ourselves in. If need be we may have to contact a lawyer although we do n't really have the money for one. Hopefully you are able to put some pressure on Ditech to " escalate '' their investigation and resolve this XXXX they continue to put us through. Thank you
11/07/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33062	Web
On XX/XX/XXXX, I closed on my home mortgage with XXXX XXXX XXXX XXXX XXXX. My loan was transferred to Ditech in XX/XX/XXXX and problems began with my attempt to make my first mortgage payment. I have never missed a payment ; however, due to Ditech misapplying funds and making unnecessary and unauthorized disbursements from my account, I consistently receive foreclosure information, harassing calls and my once excellent credit has been greatly damaged. At the XX/XX/XXXX closing, I prepaid my Homeowners Insurance for 12 months. The closing document indicates this amount as {$1000.00} to XXXX XXXX XXXX XXXX XXXX XXXX Ditech does have this information but I am happy to provide both the closing document and the Declaration page indicating the policy period of XX/XX/XXXX to XX/XX/XXXX upon request. In a letter dated XX/XX/XXXX, from Ditech, they state that on XX/XX/XXXX a Ditech representative spoke with XXXX XXXX and XXXX XXXX and was advised the policy expired on XX/XX/XXXX for non-payment but if the remaining balance of {$820.00} was received the policy would be reinstated. The disbursement of {$820.00} was made from my escrow account on XX/XX/XXXX for insurance that I had prepaid for the year on XX/XX/XXXX. Below please find an email from the closing office confirming the policy check was sent and cashed by XXXX XXXX and XXXX XXXX. From : XXXXXXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Cc : XXXX I am very sorry to hear you have had ongoing issues with your lender and insurance company. The problem is not with our office. I have pulled my records and have confirmed that the 12 months prepaid insurance collected at closing in the amount of {$1000.00} was paid to the insurance company from our trust account via check number XXXX which was cashed by the insurance company on XX/XX/XXXX for full payment of the policy premium as per the invoice that was provided to my office in connection with the loan package from the lender for the coverage period of approximately XXXX. I have called the insurance agent XXXX XXXX who I have copied on this email to provide you with further information as to your insurance policy history. Please communicate with him directly regarding this matter. Best, XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Cell : XXXX Office : XXXX Fax : XXXX Email : XXXX XXXX Due to ongoing escrow account issues I requested to cancel my escrow account with Ditech. On XX/XX/XXXX, I received an email from Ditech indicating that my request to cancel my escrow account was approved. The email further indicated that beginning XX/XX/XXXX, I would be responsible for my insurance and tax payments. I recently learned ( XXXX, XXXX ) that Ditech , without my consent, disbursed funds from my account to Bankers Insurance for home owners insurance for the XX/XX/XXXX year ; while I already had insurance in place through XXXX XXXX XXXX XXXX for the XX/XX/XXXX year. This error has resulted in Ditech reporting my account to credit bureaus as delinquent and has significantly impacted my credit score. They have reinstated an escrow account and changed my monthly payment which has again, made my account appear delinquent. My home owners insurance with XXXX XXXX XXXX XXXX will be renewed for the year XXXX and I have signed a cancellation with Bankers for the home owners insurance policy I never asked for, never received information from and never knew I had. Ditech 's nearly constant misapplication of funds, unauthorized disbursements of funds, and system limitations has destroyed my credit. Their constant harassing phone calls and foreclosure mailings has caused me a great deal of stress. I went through this process in XXXX with the CFPB and the XXXX regarding Ditech 's misapplication of funds and bogus fees with some relief and am hopeful this avenue will once again be helpful.
09/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SD 570XX	Web
In XXXX I began having financial problems due to a job change in my primary income, a lost second income and a divorce. I contacted Greentree in an attempt to modify my XXXX mortgage payments to an amount that I could continue paying. My ex-wife was considered unemployable due to her health condition. Greentree requested documentation which we immediately sent. We were told they would get back to us. During this process I was still trying to make mortgage payments at the expense of my own basic living expenses. I was able to find a roommate willing to pay all of the household bills so that I could make even partial payments. Greentree repeatedly assured us throughout XXXX and into XXXX that the modification was close to being completed. They agreed to add the real estate taxes for XXXX and XXXX to the loan at this point. They requested more documentation which was sent promptly. Our Greentree contact informed us by phone that they would be writing off the second mortgage in order to focus on collecting XXXX. At this point I was barely able to make even partial payments. I needed groceries and gas for my vehicle in order to have any income whatsoever. Greentree was taking money out of my savings account even when I had n't authorized it which generated overdraft fees in addition to the lack of income. XX/XX/XXXX Greentree decided that, instead of adding the taxes to the loan, they would pay the taxes and give us an additional payment to the mortgage payment. When the payment was returned for insufficient funds, they said we 'd have to start the whole process all over again after almost two years. At this point both my household and my ex-wife 's household were receiving up to XXXX calls per day from Greentree asking for payment. We talked about what options were available to us with our contact and, with Greentree 's help, we began the steps to do what they called a short sale. We contacted a real estate agent who knew an attorney who dealt with short sales and they agreed to help us. Greentree sent us a packet of forms required for the short sale and we returned them promptly. Our agent and attorney were also communicating with Greentree and were experienced the same issues that we had run into during the modification process. Greentree was unwilling to allow any communication by e-mail and insisted all communication on their end be handled by phone only. XX/XX/XXXX the house as listed for sale 'as is '. There were XXXX bids placed. We accepted the one that was over the list price and submitted the bid to Greentree ; who then sent their own appraiser to do comps in the area. The offer exceeded his appraisal figure. Our attorney was in contact with Greentree and was assured that things were progressing well and that we would hear something back in about a week on our buyer 's offer. She was also assured that the second mortgage was going to be written off. The inspector hired by the buyer found hail damage on the roof that would need to be replaced. We had our own inspector take a look at it and he agreed with the assessment. The buyer amended his offer to a lower amount for this reason. We submitted the amended amount to Greentree with an explanation. By this time the contact at Greentree was giving conflicting statements to our attorney. She went to a supervisor and was told that the second mortgage was not being forgiven and that the requests had been submitted as another modification which would require more documentation. The buyer withdrew his offer due to Greentree 's incompetence. XX/XX/XXXX we requested a deed in lieu of foreclosure from Greentree at which time we were informed that the house was going into full foreclosure and we were n't eligible for that option. On XXXX XXXX, XXXX it was sold at auction for approximately {$76000.00}, which was under the amended offer of {$78000.00} for the short sale. Contact me for more.
12/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78624	Web	Older American, Servicemember
We did a refinance in the first quarter of this year. The amount that was put into escrow ( which was quite high at the time ) was based on taxes for 2014. As it turns out, the appraiser gave us an appraisal that was a lot lower than the assessed value on the tax rolls. After the closing we saw the numbers that the escrow amount was based on and realized that the taxes would be going down if we applied to the appraisal district for a reevaluation. This was done and the property was inspected and the assessed value was lowered to {$280000.00} ( down from the previous year 's assessment of {$490000.00}. I calculate this to be a reduction of a little less than 50 % and assumed the taxes would be adjusted accordingly. I conveyed this information to them and they advised that until they received the final appraisal and subsequent billing statement for the taxes they could not do anything to adjust the escrow. In addition, we changed our casualty insurance provider on our property and lowered the premium by about the same proportion. I received a statement for taxes due approx XX/XX/XXXX. totaling {$3800.00}. I forwarded this information to them because they said they had not received it. I have information from the appraisal district showing that they had received the statements. On XX/XX/XXXX they show that they paid {$2400.00} of the taxes due, leaving a balance owed on taxes of {$1400.00} which is the parcel that includes our home ( homestead ). At this point there is a balance of {$3600.00} in the escrow fund. The previous month, because I had decided to exclude the payment of casualty insurance to be made from escrow funds, they arbitrarily decided to increase my escrow payment from {$880.00} to {$1000.00}, each month. So, if I continue to send them Principle, interest and the escrow amount of {$1000.00} for the additional months of XX/XX/XXXX and XX/XX/XXXX I will have an excess of {$4600.00} in the escrow account. The reason we refinanced was so that we could try and pay off back taxes and reestablish our credit. This is becoming increasingly difficult to do when we must contribute even more to our escrow account of {$1000.00} when there are ample monies available at this time to take care of the obligations they must pay in taxes. Quite frankly, we feel violated by this company, Ditech, ( formerly Greentree ) considering the fact that there is much more than enough monies to meet their obligations for taxes owed. In speaking to the company that manages their escrow payments ( XXXX, out of XXXX ) they seem to intimate that they need to hold back enough monies to make a payment to the casualty insurance company, XXXX XXXX XXXX. I checked with XXXX XXXX XXXX this afternoon and they assured me that the only thing that Ditech has received from them is a " mortgagee notification '' which spells out the coverage that is on the property and in no way mentions any premiums that Ditech must pay at any point. I realize that they have just been bought out Greentree, who was the previous mortgagee, and that there may be some confusion in the different departments, however they should have worked out changes in procedures and processing. Each time I have called the escrow department I have received different and conflicting instructions on how and when I can request a review of the analysis. At this point it seems like it will be done at the point that it is the most convenient and advantageous for them. I am getting very leery of this company and how my account will be processed in the future, considering the XXXX + reviews of their company which have been published and which as far as I could surmise were almost all derogatory. There was no response from DiTech in a inquiry that was sent from the escrow servicing company ( XXXX ) to them and I assume that they will try and collect the {$1000.00} escrow payment for XX/XX/XXXX and XX/XX/XXXX.
08/10/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32828	Web
My mortgage was initially held by Greentree. The loan is under my maiden name. It was recently sold to Ditech. Since the loan was sold to Ditech I have not received a monthly statement via XXXX Mail or email. The real problem is that Ditech never informs me of the amount I need to pay in order to pay the loan off by the date of maturity. The monthly statements do not tell me how much I need to pay in order to pay my loan off by the date of maturity nor do they tell me how my prior payment was applied ( principal and interest ). All the statements say is that the principal and interest shown assume the loan is paid on the due date.They say that the reason the statements show such a small amount for payment due is that my loan is a simple interest loan and every time I am late with a payment, the amount that I have to pay each month changes due to a recalculation of the interest. This is crazy. They expect that in 15 years someone is not going to be late with a payment? Then if you are late, the amount you need to pay on the loan, in order to pay it off by the date of maturity changes, but they never tell you that. If you look at the statements ( which I attach ) you can see that the amounts they say I owe are very small no matter what payment I make. It 's confusing. I have a loan balance of about {$16000.00}. My XXXX/XXXX/16 statement said I have to pay XXXX by XXXX/XXXX/16. I paid {$400.00} on XXXX/XXXX/16. My XXXX/XXXX/16 statement said I have to pay {$28.00} by XXXX/XXXX/16. Note the XXXX/XXXX/16 statement did not say that I had any payment due in XXXX 2016. I paid {$300.00} on XXXX/XXXX/16. My XXXX/XXXX/16 statement said I have to pay {$28.00} by XXXX/XXXX/16 just like the XXXX/XXXX/16 statement. The problem is that if I pay the amount on the statements ( which I had to look up on line ) I will not be paying enough to pay off the loan by the maturity date. I thought they were supposed to send me a statement each month showing the amount I need to pay in order to pay off the loan by the date of maturity. Instead they send me statements showing that I only need to pay small amounts, less than {$100.00} each month and they do n't explain how my prior payments were applied and why my payment amount keeps changing. I have called and spoken to them and asked them why the amounts due are less than what I have to pay to payoff the loan by the date of maturity. They say this is because I have a simple interest loan and because I paid late ; the amounts shown as due on the monthly statement are less than the amount I would need to pay to pay off the loan by the date of maturity. All I want is for Ditech to tell me on the monthly statement the amount I need to pay each month in order to pay off the loan by the date of maturity. I do n't think that is too much to ask. Also, when I tried to pay online the date that the payment was due, the payment would not go through. I logged in, but when it was time to confirm the payment, the website just kept going back to the log in page and asking me to log in. It 's as if they did not want me to pay on time. When I asked them what would happen when the loan matured and I had not paid it off, even though I had been paying the amount shown on the statements, they said that my loan officer would talk to me about it. I think this is some kind of scam. They do n't tell you how much you have to pay to pay off your loan on time, then when the loan becomes due, you are at their mercy. Something is wrong with this practice. They should at least tell you to pay an amount that will get you to pay off your loan by the due date or they should at least warn you that if you make the payment they are showing you will not pay off your loan by the date of maturity. In addition, they should tell you how your prior payments were applied and how they come up with the amount due that they show on each monthly statement.
12/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33023	Web
Green Tree, now known as Ditech Financial filed a foreclosure complaint ( w/o note attached ) in XXXX even after the Florida Hardest Hit ( FHH ) paid them {$18000.00} in XXXX to bring the loan current and while I was being considered for a modification. I continued to make payments on the mortgage until my payments were refused. A foreclosure judgment was entered on XX/XX/XXXX after my attorney withdrew and failed to protect my interest. I was unrepresented at trial. The amount of the judgment was {$120000.00} which included a principal balance of {$85000.00}. The foreclosure sale was scheduled for XXXX/XXXX/XXXX. An order extending the sale to XXXX/XXXX/XXXX was entered. There was a pending motion to vacate the foreclosure judgment but was a moot issue so long as I was able to close prior to XXXX/XXXX/XXXX. I have a pending contract for sale to a buyer who is ready, willing and able to close any day. The attorney for the lender, XXXX XXXX, insisted on having the Motion to Vacate heard even though it would be a moot point if we were able to close prior to XXXX/XXXX/XXXX. The hearing was scheduled for XXXX/XXXX/XXXX. At the hearing scheduled by XXXX to have the Motion to Vacate heard XXXX/XXXX/XXXX, my attorney argued the judgment amount did not include the {$18000.00} paid by FHH in XXXX. It was not included in the accounting filed with the court. Judge XXXX ordered Plaintiff ( lender ) to provide an accounting that included the {$18000.00}. XXXX requested 20 days to provide a payoff but was ordered to do so in 10 days. When my realtor, XXXX XXXX, spoke with a XXXX attorney on XXXX/XXXX/XXXX, she was told that her client never received the {$18000.00} payment. Plaintiff 's attorney scheduled a hearing without notifying my attorney of the hearing and had the motion to vacate the foreclosure judgment heard. The Motion was denied because my attorney was not present. When my attorney called the Plaintiff 's attorney, XXXX XXXX, to ask about the hearing and where the confusion was, XXXX told him that there was an order entered and the accounting provided to the courts reflected the {$18000.00}. XXXX then told my attorney to ask XXXX. In an email to XXXX XXXX, my attorney requested to be pointed to where the {$18000.00} is reflected in the accounting provided to the court. XXXX ' response was that this was a delay tactic and they will seek sanctions. I requested a payoff so that I can sell the property. The buyer has been patiently waiting to purchase the home. The contract price is $ XXXX. The property was appraised for $ XXXX. I am attempting to sell the property rather than letting it be sold at auction. I repeatedly requested updated payoffs. Since the XXXX/XXXX/XXXX foreclosure judgment was entered, the payoff has increased by {$16000.00} ( now over {$140000.00} ). When I received the XXXX/XXXX/XXXX payoff, the corporate advance was {$7600.00}. The most recent payoff shows a corporate advance in the amount of {$12000.00}. I asked for an explanation of the corporate advance in XXXX through my realtor. The attorney 's payoff department, XXXX XXXX, told my realtor that the lender will not provide this amount. My attorney asked about it again XXXX/XXXX/XXXX, XXXX contested it saying this is the first time it was brought up which is a false statement. The corporate advance states it covers property preservation, inspections, BPOs and attorney 's fees. There are also separate line items for attorney 's fees and costs. The property is occupied by me, no inspections of the property by the lender, no short sale request therefore no need for any BPOs. There are several inconsistencies, see late charges, actual/incurred attorney foreclosure fees and costs. I would like a proper accounting of the Ditech payoff so I can close on the sale of my home and avoid a foreclosure sale. This way all lenders will receive full payment.
01/18/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11422	Web
On XXXX XXXX, XXXX my Bank, XXXX Bank reported that XXXX, XXXX was withdrawn from my checking account and this was done without my knowledge or authorization. I have never made a double payment, and the payment was made online and I did not go online that week at all. I then transferred XXXX dollars from my XXXX bank checking account to my savings account to prevent anymore unauthorized charges and I alerted XXXX bank. They instructed me to contact Ditech and I did, letting them know what happened via phone. The Ditech representative noted that I had never made a double payment in the past and the amount that was taken did not even equal a two month payment which was another inconsistency. The Ditech represented asked me to send a copy of my bank statement showing that the money was taken out of my account and they would return the money. I told her just to return the balance after one payment because I still needed to pay a XXXX payment if they gave the total amount back, so do n't return all the money. She agreed to just send the balance after the XXXX payment, and on XXXX/XXXX/XXXX the balance was return to XXXX bank. After this conversation with Ditech costumer service, I tried to make an electronic payment online on XXXX XXXX, XXXX and my account was denied online payment. I then tried to make a payment by calling in and all the service lines were down, and all calls were reverted to someone 's answering service mail box. I left XXXX messages and sent an email to customer service. I sent another email the next day and received XXXX automatic responses via email with no communication about my inability to make a payment. I mailed a check on the third day and still no communication from Ditech all their lines were down for two weeks. I decided to call the Better Business Bureau, and they stated Ditech has a history of no contact with costumers for a month. They suggested that I keep mailing my payment and if I am unable to contact them in a week call them back and file a complaint. I started mailing my payment with a different Bank XXXX XXXX to keep better track of payments. After a month I received a letter from Ditech stating that if I am having a problem making a payment I should refinance for a 40 year mortgage or call the number to discuss modifying my loan. I called the number and I got an actual Ditech customer representative on the phone. They started to say the same thing to me that the letter sent explained and I asked them to look at my account and they stated they see the inconsistency and that the money was returned and that my last payment was placed in another account and not credited to my mortgage. When I asked why, the represented stated they do not know and would pass my case to a supervisor. I explained I had sent my bank statements previously and they prove I am current and only my XXXX payment is due. He said he could see the bank statement and this was recorded as a Ditech error originally that is why the repayment was issued. He stated he does not understand what he is looking at and would send it to his supervisor and they would contact me on XXXX/XXXX/XXXX. No one has contacted me today, and when I attempted to call the number once again my call was diverted to a person 's email all lines down again. I am sending a copy of all Ditech statements that show payments made and inconsistencies within the statement for XXXX/XXXX/XXXX shows payment received, XXXX/XXXX/XXXX, payment received, XXXX/XXXX/XXXX double payment received, XXXX/XXXX/XXXX payment received and Delinquency Notice for XXXX/XXXX/XXXX, XXXX. On the same statement that a payment is recorded. Where does this Dequincy come from if the Ditech statements report those months are paid. It looks like two different offices not communicating. I am sending copies of Bank statements Highlighted that show XXXX Bank payment made to Ditech XXXX
04/19/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33414	Web
I What is a mortgage modification? A loan modification is a permanent restructuring of the mortgage where one or more of the terms of a borrower 's loan are changed to provide a more affordable payment. With a loan modification, the lender may agree to do one of more of the following to reduce your monthly payment : reduce the interest rate. Mortgage modification is a process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower ( i.e. mortgagee and mortgagor ). In general, any loan can be modified, and the general process is referred to as loan modification or debt rescheduling XXXX XXXX XXXX Today, the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) took action against Green Tree Servicing, LLC, for mistreating mortgage borrowers who were trying to save their homes from foreclosure. The mortgage servicer failed to honor modifications for loans transferred from other servicers, demanded payments before providing loss mitigation options, delayed decisions on short sales, and harassed and threatened overdue borrowers. Green Tree has agreed to pay XXXX in restitution to victims, and a XXXX civil money penalty for its illegal actions. Green Tree failed consumers who were struggling by prioritizing collecting payments over helping homeowners, '' said CFPB Director XXXX XXXX. " When homeowners in distress had their mortgages transferred to Green Tree, their previous foreclosure relief plans were not maintained. We are holding Green Tree accountable for its unlawful conduct THIS IS MY SITUATION THEY TALK ME IN TO KEEP MAKING PAYMENTS THAT I CULD NOT AFFORD ON THE PROMISE THAT THEY WOULD MODIFY MI LOAN MODIFICATION As a servicer, Green Tree is responsible for, among other things, creating and sending monthly statements to borrowers, collecting payments, and processing payments. For troubled borrowers, it administers short sale and foreclosure relief programs provided by the owner of the loan. These " loss mitigation '' programs provide alternatives to foreclosure. Green Tree is responsible for soliciting borrowers for these programs, collecting their applications, determining eligibility, and implementing the loss mitigation program for qualified borrowers. The CFPB and FTC allege that Green Tree engaged in illegal practices when servicing loans that it acquired from other servicers. According to the complaint filed by the CFPB and FTC, on a number of occasions, Green Tree failed to honor loan modifications that consumers had entered into with their prior servicers and insisted that the consumer pay their original, higher monthly payment. Green Tree also failed at times to get the information and documentation from the prior servicer that it needed to accurately collect payments from consumers GREEN TREE RECEIVED MY LOAN FROM XXXX WHERE ALSO I WAS PROMISE A LOAN MODIFICATION. PASS THE 6 MONTHS TRIAL PERIOD AND THEN THEY SAID THEY NO LONGER WILL SERVICE MY LOAN AND I LOST OVER 2 TWO YEARS THEN GREEN TREE GAVE ME A SO CALLED LOAN MODIFICATION WHERE THEY CAN NO PLACE ME IN ANY PROGRAM THAT AT THE TIME WHERE IN PLACE ADD {$140.00} TO MY PRINCIPAL AND 20 MONTHS LATER FIND THAT THE TAXES FOR XX/XX/XXXX AND XX/XX/XXXX WHERE NOT PAID VERY CONVINIENT SINCE IN NEARLY 30 MONTHS I PAID OVER {$130.00} AND ONLY {$2800.00} GOING TO THE PRINCIPAL. Green Tree demanded payments before providing loss mitigation options, delayed decisions on short sales, and resorted to illegal practices to collect mortgage payments from consumers who fell behind on their loans, including false threats, repeated calls, and revealing debts to third parties, like employers. Green Tree 's failures as a mortgage servicer hurt homeowners. In many cases LIKE ME WHERE I AM ABOUT TO LOOSE MY HOUSE ONE MORE TIME. AFTER WORKING WITH THEM AND BEING DECEIVED LIE
10/07/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 453XX	Web
During the financial crisis in XXXX I filed a chapter XXXX bankruptcy. XXXX XXXX, XXXX XXXX agreed to a reaffirmation to lower the mortgage payment and amount. This was signed and confirmed by the bankruptcy court and entered of record. I began paying XXXX as per the agreement. I received monthly statements showing the wrong amount due. I paid the modified payment to XXXX and notified them of the error in writing " OWR '' by fax to there bankruptcy department XXXX. XXXX after I made the new payment started listing on the monthly bill a rolled over amount from the previous monthly statement. I contacted XXXX again with a letter OWR with no results. XXXX my bankruptcy was closed and my confirmed payment plan started. XXXX proceeded with sending monthly statements for the wrong amounts until the servicing rights were transferred. On XXXX XXXX, XXXX I received from green tree a letter of loan transfer. This notice listed the original loan payment due and the original loam amount of the mortgage also now with a escrow account showing a negative balance. I contacted green tree about the discrepancies and the loan amount. greetree 's records showed I was still in an active bankruptcy and I was being represented by counsel this was not accurate. I was directed by greetree to write a letter stating that I was not represented by a attorney so that I could talk to my account representative. I wrote the letter but again was denied the ability to explain what was going on. The monthly bill statements that I started receiving from greentree were now listing a larger monthly payment due on the loan and the original loan amount not the reaffirmed amount as the principle balance of the loan. The statements were also now including a deferred P & I balance owed that was the exact amount of the write off in the bankruptcy reaffirmation agreement. I decided to stop payments to force them into a review of the loan but never got a response. I received in the mail on XXXX XXXX, XXXX a notice that I was denied a loan modification that I never applied for. On XXXX XXXX, XXXX I received a notice that green tree had purchased an insurance policy for this property. I had insurance on the property with the same company now for six years straight sent over a copy of the policy and have got no confirmation receipt. XXXX XXXX I received a letter from a law firm that was contracted to foreclosure on my property for green tree and now they have initiated a suit. Note if my property was still under a chapter XXXX bankruptcy like I was being informed by greentree the law firm would of had to ask the bankruptcy court for a relief of stay. I have never been informed of a relief by the courts. I contacted my lawyer and filed an answer to the alleged complaint. This law suit was started by green tree and then servicing rights was transferred over to ditech. On XXXX XXXX, XXXX I received a letter from XXXX informing me that XXXX had purchased my mortgage on XXXX XXXX, XXXX XXXX was the old investor. The lawyer for green tree did not stop the foreclosure motion even with the mortgage being sold to a new investor in XXXX XXXX. The lawyer continued in XXXX and XXXX filing documents to execute the sale of my property for their client XXXX. Greentree the loan servicer was no longer servicing the mortgage at this time. In XXXX XXXX I was contacted by XXXX mortgage the new loan service company for the new investor XXXX XXXX 's files showed me still in a active bankruptcy and they have no record of this foreclosure in the file as of XXXX XXXX, XXXX. I believe that my loan was sold though the NPL sales in XXXX XXXX " NPL '' meaning non- performing loan sales are regulated so that the investor of these loans must follow procedures for Modification requirements and loss mitigation waterfall requirements are to be implemented with such as a short sale, deed in lieu by CFPB.
09/27/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29072	Web	Older American
XX/XX/XXXX, per their website and telephone records, my mortgage company Ditech Financial LLC reflects they have not received my XX/XX/XXXX and XX/XX/XXXX mortgage payments. They say my last payment of {$730.00} was received on XX/XX/XXXX. I have my statements from my XXXX XXXX that my XX/XX/XXXX payment of {$730.00} was sent electronically and cleared my bank on XX/XX/XXXX. Also my XX/XX/XXXX payment of {$730.00} was sent electronically and cleared my bank on XX/XX/XXXX. These payments were sent by bill pay as I have done since XX/XX/XXXX. Beginning at the end of XX/XX/XXXX I have called many times to clear this up to no avail. I was told to have my bank fax my statement to them that showed that the XX/XX/XXXX payment was made. My bank faxed to them at the end of XX/XX/XXXX. XX/XX/XXXX, I received a letter saying my payments were 2 months behind. XXXX was given for what I could do for the situation. Pay what is due. Foreclosure and sale of my home was mentioned. XX/XX/XXXX, I called Ditechs customer service at XXXX, and talked to a lady named XXXX. She said their bill pay system was down in XX/XX/XXXX. She did find my XX/XX/XXXX payment and will remove the late fee ( {$28.00} ) and the negative report on my credit report. She was to call me back to let me know it was corrected. No call back. XX/XX/XXXX, I called customer service again and talked to a male but did not get his name. I asked for XXXX. He said he did not know anyone by that name and there were no notes in my file. Of course I had to tell him the whole story. He put me on hold, talked to XXXX ( XXXX ) and she told him she has sent the info that I paid on XX/XX/XXXX to the department that will research it. He was very condescending from the beginning of our conversation. I asked for his manager, boss, or supervisor that could give me clarity on the situation. He was adamant there was no one else I could speak with as the research department has no phones. I was so upset and stressed with the situation. My daughter got on the phone with him. He said he did not like the way she was talking to him. She said she did not like the way he was giving her XXXX year old mother the run around. He said everything was fine until my daughter got on phone. She said that was not true or she would not have asked for someone above you. XX/XX/XXXX and XX/XX/XXXX, I received additional letters from Ditech reminding me the 2 payments were behind. In XX/XX/XXXX letter, they did give me the name and phone number of my assigned account representative, XXXX XXXX at XXXX XXXX. XX/XX/XXXX, I called the extension of XXXX but XXXX XXXX ( ext. XXXX ) answered and said she could help me. I told the whole story again. XXXX XXXX was the kindest and most professional person I have talked to yet. She saw the notes from my calls and would do everything she could to have the problem resolved. She asked that I watch the account and if not corrected by XX/XX/XXXX to call her back. XX/XX/XXXX I called XXXX XXXX back but XXXX answered who said she could help. She said I was 2 payments behind and was I prepared to make those payments today. I asked her to please transfer me to XXXX XXXX who knows the whole story from our conversation on the previous Monday. XXXX said she could discuss it with XXXX and put me on hold. Came back and said XXXX did not answer. She said she will email XXXX and find out the status. I asked how/when will I find out the status. She said it will resolve itself in time. I told her I will be filing a complaint with the Consumer Financial Protection Bureau today. She said OK mam and transferred me to a voice survey, which I gladly answered. XX/XX/XXXX, XXXX telephone and website info shows I owe 2 payments with late fees totaling {$1500.00}. On XX/XX/XXXX, I will owe another {$730.00}. As I have said above, the XX/XX/XXXX and XX/XX/XXXX were paid and cleared my bank.
10/31/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL XXXXX	Web
I have been trying to resolve my mortgage servicing issues with XXXX XXXX Bank, XXXX and now DiTech for the last few years. At this time I am facing foreclosure despite the fact that I am in a financial position to afford a reasonable payment. My home is encumbered by a XXXX loan backed by XXXX XXXX and I am aware of several programs that are available for homeowners in my situation. My issue is that DiTech is denying access to these programs and has not conducted a review of my current and correct financial information in order to determine eligibility. I went through a true hardship and missed two payments and immediately attempted to fix the problem. Since that time I have been mired in bureaucracy and have been unable to get the lender to work with me to resolve the matter. Through this process I have discovered serious inconsistencies in my paperwork and have not been given accurate information by the agents at my loan servicer. I am requesting that DiTech provide a full and accurate accounting of my payment history and application of funds in the escrow account. I also request proof that DiTech has entered into a pooling and servicing agreement with XXXX XXXX and that they have the legal authority to collect payments as well as initiate foreclosure proceedings against me. I am also requesting information regarding any type of " loss share ' agreement related to the failure of XXXX Bank and the transfer of my loan through the FDIC. I bought my home in XX/XX/XXXX and refinanced the following year through XXXX XXXX. I have worked as a XXXX for years and licensed XXXX for 15 years, but in XX/XX/XXXX. I went through some financial issues and in order to reorganize my debt I filed a Chapter XXXX bankruptcy but pulled out 3 years later and resumed making regular mortgage payments to XXXX XX/XX/XXXXt. In that same time frame my sister went through a divorce and ended up moving in with me along with her twin boys. My business was still struggling and I had to help my family through this crisis and missed two payments. I called XXXX XXXX to explain and tried to make a payment but was told that they could not accept it and that I would need to reinstate all past due payments as well as late fees. I could not come up with the money at that time and asked them to consider some type of repayment plan or forbearance agreement since I was only two payments behind, but the agents were not helpful, in fact they were rude. I soon began being bombarded with harassing collection calls from XXXX XXXX and they were so frequent that I filed a complaint with the Federal Trade Commission to get them to stop. The loan was then transferred to XXXX and I requested a validation of the loan which took several months. I noticed significant inconsistencies and improprieties relating to ownership of the loan and the securitization of my loan and the asset after the failure of XXXX and the temporary ownership of the FDIC. After dealing with me XXXX offered to extend the term of my loan to address the late payments but the payment remained the same. Although appreciated, this did not address the improprieties and outright errors in the calculation of the escrow account balance and the application of past payments. Additionally, any modification or forbearance agreement should take into consideration my financial hardships in order to offer a more affordable payment. Since the loan has been transferred to DiTech I have repeatedly requested that a full and transparent review be conducted of my current and correct financial information. However, I have run into roadblocks and been put into foreclosure. As a servicer of a XXXX XXXX/XXXX backed loan this company is REQUIRED to conduct a review of my current financial information in order to determine homeowner assistance options. I feel that Di Tech has intentionally obstructed this process.
06/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22201	Web	Older American
ditech is the servicer of my mortgage loan. On XXXX XXXX, 2016 I received a " Payoff Statement '' from ditech that showed a final payoff amount of {$240.00} to satisfy my mortgage loan. The amount is considered to be " good through '' XXXX XXXX, 2016, after which it will accrue {$0.00} interest per day. Payoff Statement is attached. For the past 2 months+, I have been trying to resolve this dispute related to my payoff amount with them, and it still is n't resolved. The above {$240.00} amount appears to be just late fees, since I had already paid off my loan 's principal balance on time, with applicable interest, back in XXXX. Separately, during this 2 month+ period, they have sent notices threatening to foreclose on my property for being in default of my loan. Based on my records, and ditech Billing Statements to me, there is no reason I should owe anything on my mortgage loan. Here is the activity on my account beginning with ditech 's XXXX XXXX, 2016 Billing Statement, which showed an amount due of {$950.00} XXXX {$940.00} Principal + {$3.00} Interest + {$0.00} Escrow ). This same Billing Statement also stated that : " If payment is received after XXXX/XXXX/2016, a {$120.00} late fee will be charged. '' On XXXX XXXX, I paid {$950.00} via electronic payment through XXXX XXXX XXXX. The {$950.00} amount was deducted from my XXXX XXXX account as of XXXX XXXX. The XXXX XXXX billing statement should have reflected a {$950.00} payment leaving a credit of XXXX cents. Instead, the XXXX XXXX Billing Statement shows that ditech received the {$950.00} ; but did not apply it to my payment due. I paid {$950.00} on time, and ditech received it ; it was deducted from my checking account but was not applied to my loan payment. As well as not applying the payment ditech received, they added a late fee of {$120.00} for a payment that they received on time. According to their customer service people, that electronic payment was n't applied because, depending on the customer service person, a ) it was n't a certified check or, b ) it was an underpayment. Nowhere on my XXXX XXXX Billing Statement or any subsequent statement was there any language stating I was to pay that amount as a certified check. Also, the amount paid was not an under-payment ; it was an over-payment. Since ditech received my on time payment of {$950.00}, on XXXX XXXX, against an amount due of {$950.00}, again, there should be no late fees of any kind applied to my account - in XXXX or any subsequent month. As I noted above, ditech has sent me a notice threatening to foreclose on my property. The tone of their notice is aggressive and disparaging. It says that if I do n't pay ditech {$1700.00} ( where did this amount come from??? ) by XXXX XXXX, ditech reserves the right to foreclose on my property. As of XXXX XXXX, my ditech account page on their website states that I owe {$7400.00}, with no explanation or detail. For the past 12 years I have faithfully made my mortgage loan payments and prepayments, and as of XXXX XXXX, had paid off my entire principal balance. To have received ditech 's notice of default, and knowing what 's behind that notice, appalls me. Their actions are shameful. I have tried to resolve this matter in good faith for over two months, including more than 9 customer service calls. The time and effort it is taking to resolve such a simple situation is frustrating as well as worrisome. While I struggle with this ongoing issue, ditech is proceeding to foreclose on my property. I have great concern that ditech 's behavior is n't intended to resolve my payoff amount dispute. It seems intended to extract much larger amounts out of me by stringing out the resolution process, sending wildly differing amounts owed to me, AND threatening to foreclose on my property -- even though I paid what I was asked to pay on time back in XXXX.
04/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CO 81504	Web
Reached out to Ditech for help and was on a 3 mo trial period which was all good We were getting an in house mod from them, until they stated they never received last payment in XXXX. Which was funny to us because we called about making that payment later in month due to unemployment check being received and was told it was okay. After mailing it we were called out of town for family emergency upon returning is when we learned via mail that foreclosure was again started due to XXXX payment not being received & gt ; I immediately called to see what was going on and called our bank to see if it was cashed. It had not been so I asked if I could then make payment to them this was approx. XXXX XXXX told them I would make both payments at that time XXXX & XXXX Was told that since we broke agreement they would not except either payment. all this coming from someone other than our point of contact she was never available. I explain the circumstance and that we were out of state and was not a where till now. Still no, we would have to start over with a new packet and info. Was told which packet to send in off their site and address as to where to send. So after doing our taxes we resubmitted all require papers and waited. this was in XXXX. I called and let them know they were on the way and to please let our point of contact know this. after weeks of waiting and no calls from them Started calling in XXXX all calls were sent straight to point of contact voicemail and left messages for her to call ( XXXX ). Have never received a call back never received anything about not receiving packet to save our home so was thinking all was okay and not to worried. Still continued to call but got no where. As of Monday XXXX XXXX found out our home is on XXXX for sale and the sale date is set for XXXX XXXX. So we call hope for emergency help. As with us they could not get ahold of XXXX for answers we did talk ith a rep who could not and would not help us and hung up on XXXX at XXXX with me on the line. Tried calling legal services for help XXXX gave me # but to no avail just a machine stating few lawyers to help. Call a bankruptcy attorney to see what could be done and contacted XXXX XXXX our mortgage holder for help. The next day I again called XXXX only to be told our4 months was up and to send in another packet would be of no help since it takes up to 10 to review that all we can do now it cure to keep home. That they could not stop the sale and give us time to be reviewed again. She did after stating yes I wanted a cure amount put in an urgent request for us with lawyer. She called the next day and said all I had to do was to call them for amount and gave me their # and a # I needed to get it. It took over an hour to get ahold of them and when I did was told they would not give it to us without proving we had funds to cure. Told them that is not what Ditech stated and we would n't know how much we needed until we knew the total needed. I also spoke with XXXX XXXX a XXXX that took our info and whats happening and escalated our case within their department. Hoping they can do something. All we want is our home saved and a chance to not be ignored and helped. If Ditech had done their job we would not be here. I also found out the new packet we sent was the wrong packet we were told to send by XXXX our point of contact. So no phone call about not receiving XXXX payment, no call about not receiving packet or receiving wrong packet. No availability from our point of contact or returned calls after leaving messages. And no way to speak with anyone else via phone system that takes your info and sends you straight to voicemail. Tried all available # 's for Ditech. This is a scam, their Lawyer is hendering us saving our home and the public trustee stated by law they have 10 days before they have to give you a cure by then to late to save home.
06/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33027	Web
I have a residential mortgage loan that is currently being serviced by Green Tree Servicing LLC ( Green Tree ). I believe that errors have occurred concerning Green Tree 's servicing of my loan, and my belief has been confirmed in various telephone communications I have had with different Green Tree representatives who have verbally confirmed that servicing errors have in fact occurred which are attributable to Green Tree. The representatives assured me that the errors would be promptly corrected by Green Tree. However, to date, the errors have not only not been corrected, but I have been repeatedly and persistently threatened and harassed both verbally and in writing on a daily basis by Green Tree representatives, claiming that my loan is in default, inaccurately stating the amount due on my loan, and claiming that Green Tree has already taken steps to obtain the mortgaged property through foreclosure or other legal proceedings. Specifically, following the service transfer of my loan to Green Tree, I was notified by Green Tree that a specified amount was then due and owing on the loan, which needed to be paid to bring the loan current. I immediately paid the full amount represented to me by Green Tree via a payment by phone as requested by Green Tree, and the payment subsequently posted to my bank account. I was advised by Green Tree that my loan was current and that I could continue making my regular monthly payments. However, Green Tree began contacting me claiming an error occurred with the escrow account on my loan. When I requested an explanation of what occurred, I was first told the error occurred because Green Tree had not received all of the funds from the prior servicer that should have been in the escrow account for my loan. I was later told that the error occurred because of an escrow refund that had been " inadvertently '' applied to my loan. Green Tree stated that an escrow check was sent to me in error and that I needed to reimburse Green Tree for the amount of the check. I repeatedly advised Green Tree that I never received any escrow check from it and I requested that Green Tree send me a copy of the negotiated check that it claimed had been sent. To date, Green Tree has not provided me with a copy of any negotiated escrow check. I continued to make my regular monthly loan payments in an effort to keep my loan in good standing and in the hopes that the issues would be resolved by Green Tree as it had promised. Green Tree continued to accept each payment that was made, and each payment has posted to my bank account. Notwithstanding, Green Tree continues calling me numerous times each day, claiming that my loan is delinquent, demanding payment immediately, and threatening further collection action and litigation if the purported delinquency is not cured. Moreover, the Green Tree representatives with whom I have spoken have been extremely aggressive, rude, abusive, and harassing, and when I tried to explain the situation, the calls have only become worse and the representatives have taken an even more hostile attitude and tone. As recently as XXXX 2015, a Green Tree representative looked into my loan account, confirmed that an error occurred on Green Tree 's part with the escrow account and confirmed that there was no past due or delinquent amount due and owing on the loan. The representative advised me that he had also confirmed this with his supervisor and that the error would be corrected. Unfortunately, it was not. I made several more calls to Green Tree to try to rectify the problem but to no avail - I was told a supervisor would call me back but he never did and he never returned my voicemail. Green Tree also failed to send me a billing statement for XXXX 2015 and refused to accept my regular monthly payment over the phone, instead demanding I pay a much higher amount. I mailed in the payment
02/23/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NV XXXXX	Web	Older American
The mortgage servicing company my mother has ( DiTech Financial formally GreenTree Servicing ) has participated in deceptive practices and fraudulent activity in their attempt to foreclose on her home. My mother and late father were never late in making payments. After my father 's untimely death in late XXXX, problems began to arise, as his estate was held up in probate. My mother began to fall delinquent in the mortgage payments, as monies were tied up. GreenTree ( as DiTech was known at the time ) offered a streamlined loan modification, which my mother was paying faithfully until her daughter ( who was authorized to negotiate on her behalf with GreenTree ) received something in the mail stating a different payment amount. My sister called and wanted verification on which amount to send prior to making the last payment. The representative at the time did n't know and said she would get back to my sister. She never did. My sister called every day for nearly two weeks, then every other day. She finally spoke with someone who gave my sister the correct amount, something the representative found the answer to within XXXX minutes. The streamlined option was removed due to non-compliance ; however, when my sister explained the situation, it was conditionally reinstated. Not trusting DiTech ( at that time, they changed their name due to GreenTree being sued for XXXX ), my mother wanted the document in writing. They refused, saying the agreement was " notated in their system ''. Even though a declination letter was never sent from DiTech, my mother assumed the streamlined option was off the table. Immediate she inquired about the standard loan modification. We went back and forth with DiTech for months, re-sending them the same information over and over. Every time my sister would call someone, she was met with rudeness and attitude. Most of the time they would simply hang up in her face. We later discovered DiTech initiate foreclosure proceedings in XXXX of last year, despite the fact my mother was in the middle of the loan modification process. Dual-tracking is not permissible by law, yet when my sister asked the DiTech representative why the foreclosure proceedings were not held ; the representative informed her it would n't be. We have documentation sent by DiTech explicitly stating the fact that the foreclosure proceedings would be placed in suspense during the loan modification process. It never was. In addition, even though my mother was able to make the payments ( since probate ended a few weeks before DiTech started foreclosure proceedings ), she was informed by DiTech representatives not to make any payments during the loan modification process. We have documentation supporting that fact as well. DiTech never had any intention of helping my mother. They delayed repeatedly, continuing to ask for information just to stall. My mother 's home has significant equity in it ; this is what they want. Their sinister ways was on display yet again, when my sister received a mailing from them, using bulk mail to avoid detecting when the mail was sent out. The document was dated XXXX XXXX, XXXX ; within the 30-day time frame to attempt to get something done. This is their way of showing good-faith before attempting to foreclosure on the home. Unfortunately for them, I know how bulk mailing works and was able to determine the letter was actually sent on the XXXX, less than 30 days from the trustee sale. The document sent to my sister was boilerplate, as it had no name attached to it except within the body. My sister called the number and it rang invalid. I visited the website and all pertinent information associated with this loan was unavailable. They are purposely avoiding any form of negotiation in the attempt to foreclose on the home. It will not work if I can help it. I would like to sue DiTech to oblivion.
10/25/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NY 110XX	Web	Older American
Loan information : Mortgage # XXXX Ditech, formerly Greentree as of XXXX. Originally the mortgage was # XXXX with XXXX onXX/XX/XXXX. This is for a co-op apartment in NY. I paid my mortgage off in full onXX/XX/XXXX to Ditech. At that time I inquired about getting my documents and was ( repeatedly throughout this process ) giving incorrect information about how to obtain them. I repeatedly referred to a NY law firm. Fortunately, Ditech gives out this erroneous information repeatedly so the contact at the law firm knew where this information originated and what I needed to do instead : to go back to Ditech. She was kind enough to request the documents from Ditech on my behalf, as well. She did, twice in the last month+. I also requested them from Ditech. In the meantime, I hunted down my stock certificates because Ditech said they did n't have them and never did. I need the UCC, Lien Release, and Stock Certificates. Ditech also said that the documents did n't exist. They said that they had 30 days from the payoff to get required documents to me. I explained that time was of the essence as I could not close on my new property without these documents and that each day was costing me a great deal of money. I called again on XXXX to find out where the documents were and I was told that they would now have to research the location of the documents. That process would take 3-5 business days. 30 days came and went and no documents. I called again on day 5 of the research time and they had no information on the documents. I called again on Day 6 and again on Day 7. Each day I was promised that someone would get back to me the same day regarding my documents. Each time I called I spoke to a supervisor. I never have been called back or contacted through phone, mail or email. I requested that Ditech overnight the shipment of the documents to me because they are out of compliance and I need them immediately. On XXXX I was told, for the first time, that Ditech customer service requested that XXXX XXXX ( another Ditech department ) respond to Customer Service ( the supervisors I have been speaking to ) regarding the documents. The supervisor would not tell me what kind of timeline I should/could expect. Therefore, I can not even anticipate a closing on my new property. I asked to speak to someone higher up and/or at XXXX XXXX. I was told that I had no other options beyond speaking to the supervisor at Customer Service. Furthermore, on two occasions I asked the representatives at Ditech to provide me with complaint information because Ditech is out of compliance. They told me that they only avenue for complaints was to write to Ditech. I asked if there was a federal agency or oversight organization and they insisted that everything still had to go through Ditech and there were no other options. I was also told that the supervisor I spoke to on XX/XX/XXXXdid not promise to call me back on the same day regardless of whether or not they had information. That is untrue. I want my documents. I need my documents. I am hoping for your help expediting the process. I have attached the faxed copy of my documents provided to me by XXXX onXX/XX/XXXX ( the originator of the mortgage ) that I repeatedly offered and repeatedly refused, to Ditech, along with XXXX 's contact information ). I have spent no less than 10 hours of my time with attempting to get my documents from Ditech in the last few weeks. The original mortgage company could not release my documents to me ( stock certificates, etc. ) because they did n't have the right to do so given they had no confirmation that my mortgage was paid off.. They said that only Ditech could release them to me. They did, however, send me photocopies of the documents. I offered these to Ditech and to tell them where the information was. Ditech would n't accept the information.
01/07/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WI 54313	Web
Bottom-line : my husband and I had financial troubles in XXXX which ultimately lead to us losing our home to a foreclosure. We had a lot of issues with this process starting in XXXX through XXXX between the loan medication, the attempted short sale, and anything in between, that I feel were all unfair and deceptive on the part of XXXX and XXXX. Then ultimately the foreclosure happened in XXXX. However, that is not what this complaint is about, but more give the baseline of where we had been to where we are now. In XXXX we pulled a credit report ( dated XXXX ) so we could start to rebuild our lives post foreclosure. We paid off debts and started to rebuild our financial situation in hopes that we would be able to repurchase a home again. According to the credit report the debts that were related to the foreclosure ( XXXX and XXXX ) were reported as foreclosure and charged off. So we assumed they both were charged off with the foreclosure. Since we receive no information with either XXXX or XXXX to indicate otherwise we moved forward with all the other negative information impacting our credit report. So you can imagine our surprise when we got a call in XXXX XXXX to find out there was a company, Green Tree, that was claiming that we owed the for a debt that XXXX sold to them. After a lot of conversations about the validity of this debt we got comfortable about considering to settle the debt, and move the conversation to settling. Obviously, our main concern was how this was going to impact our credit since nothing was currently being reported on our credit report by this company. We were told that the debt was going start being reported on our credit report as of XXXX XXXX, and we needed to settle the debt if we wanted to prevent this. So we agreed to settle the debt on the condition that nothing would get reported to the credit reporting agency since what was already being reported was an accuracy reflection of what happened with our foreclosure, and Green Tree agreed to the terms. When we went to settle we asked to get the settlement in writing we were told that they would get a copy of the agreement once the funds ( paying the debt ) cleared. The funds cleared and low and behold we never got a copy of the agreement and the debt is now being reported on our credit report. When I went to follow up with DiTech ( formally known as Green Tree ) they indicated that they have no record of the agreement and ca n't remove the report the reporting from our credit reporting agency " per requirements ''. Even though they are reporting the debt as settled, in XXXX when we went to get a loan for a home purchase ( since we are now eligible per HUD ) and are now able to get a loan because of the settlement with DiTech. Our mortgage guy quote " I believe what happened was, you had the foreclosure and the XXXX mortgage went away. But that somehow was sold as " bad debt '' to another servicer, as this was transferred from servicer to servicer, they lost track of the details on where the debt came from. So they called in an attempt to collect the debt ( they get it sold to them for pennies on the dollar ) using intimidation tactics and threatening your credit, they scared you into making a settlement, this happens all the time because people want to put the past behind them and move on. You, thinking you were doing the proper thing, and agreeing that you 'd settle if they did n't report the instance on your credit, made an agreement. They then blatantly lied and went ahead to report it. Legally they have to report all information to the credit reporting bureaus, or else they get in trouble. '' I feel these tactics were used against us and want what was agreed upon in the original settlement agreement. If that means you have to pull phone records the recall the original settlement, then that is what I expect from the company.
05/17/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 55418	Web
Six months ago I received an IRS XXXX form from Ditech Mortgage indicating Ditech had paid me income during XX/XX/XXXX . This is false information. Ditech is m y mortgage company. I do not escrow any funds with them, and they sent me no income checks or any other form of income in XX/XX/XXXX . I immediately called Ditech to fi nd out why added income was reported to the IRS false ly. Ditech has abysmal customer service - very disorganized and each time one calls, one g ets different, varying information after lengthy times on hold - none of which so far appears to be correct now that it 's six month later. During this time period, I have repeatedly had to call Ditech and explain this mess, to no avail as of this date. After numerous phone calls trying to find out what the alleged check was for and why they reported false information to the IRS and askin g Ditech to correct this false information sent by them to the IRS, I was told by Ditech the check was for {$81.00} for interest they paid me because they had held onto my insurance claim check for so long in XX/XX/XXXX . ( I had roof damage/storm damage repaired in XX/XX/XXXX so my insurance company had sent me payment on the claim, but Ditech insisted the check be signed over to them until the job was completed and inspected by Ditech. S omething I thought was very fishy, given what I feel is the suspicious nature of this company. I never chose to do business with Ditech - apparently my mortgage was sold to them or they changed their name from Green Tree after another mortgage outfit went bankrupt several years ago, from what I have been able to piece together. ) After numerous promises throughout XX/XX/XXXX through XX/XX/XXXX an d numerous phone calls by me to this Ditech outfit, ( somehow related to Green Tree, which I recall from decades ago was involved in the infamous Savings and Loan scandal, causing XXXX XXXX to spend time in prison ) I still had received no check. I called again, and on XX/XX/XXXX , received a " check ' ' fro m Ditech for {$81.00}. I cashed the check at XXXX XXXX , only to find o ut XX/XX/XXXX , t hat the check was worthless! XXXX XXXX assessed my account back for the {$81.00} plus {$12.00} in penalty fees. I called Ditech XX/XX/XXXX , t o report this latest XXXX . I was told they realized they had sent out checks with the wrong routing number or wrong account number. I was told they had now " overnighted '' replacement checks ( including {$35.00} extra for penalty fees ) to the damaged customers, and that I should have my check by now. It is n ow XX/XX/XXXX , an d I still do not have the check. I called Ditech aga in today about this. As usual, they kept me on hold for a lengthy time, seemed confused, had incomplete records of what has transpired, and initially said no check at all had been sent ever. After more time on hold, they then said yes, they had overnighted replacement checks last Friday and promised ( once again ) the check 's in the mail. After nearly six months of dealing with this company, sending them emails, and making numerous lengthy phone calls, I have no confidence in them. I would like to have my mortgage held and serviced by a different company, as Ditech is no t fit to be in this business. I want them to 1 ) correct the information sent in XX/XX/XXXX to the IRS, 2 ) send me the interest check plus penalty fees in XX/XX/XXXX , 3 ) not retaliate against my mortgage account or me, which are both entirely in good standing, and 4 ) sell my mortgage or its serviicing to a more reputable company, as I wish to cease doing business with this company. I also suggest the CFPB investigate business practices at this company and take action against this sort of behavior that I 've had to deal with for nearly six months and counting.
09/21/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 95677	Web
I purchased my home XXXX XXXX, then lost my job XXXX XXXX. I made {$99000.00} last year, and was unemployed from XXXX XXXX until XXXX XXXX. I do n't have much work experience except for the last company I was with for 4 years, and my highest level of education is an XXXX from a XXXX college. I have been employed with XXXX XXXX since XXXX XXXX making about {$XXXX} a month gross income. My monthly loan payment is {$1600.00} which I am currently about 90 days behind. Ditech ( account # XXXX ) services my FHA loan, and they claim XXXX XXXX is the investor. I tried to apply for a principle reduction program with Keep Your Home California ( KYHC ) ( account # XXXX ) and they verified Ditech works with them, and I am approved for their principle reduction program, but as I was finishing with the loan application process KYHC informed me Ditech sent them a letter stating my investor objects to working with KYHC and that put a stop to my application. I contacted Ditech and asked to speak with a supervisor who informed me everything looks fine on their end, and they have no record of sending KYHC anything of the sort. He verified XXXX XXXX is the investor and suggested maybe because XXXX XXXX is a government entity and so is XXXX that they may not work together. I then contacted XXXX XXXX who informed me they are in fact not an investor, they only guarantee the loan, and they have no problem working with another government entity. After verifying multiple times with XXXX XXXX ( ext XXXX ) and a representatives named XXXX, XXXX and XXXX they had all told me everything looks " fine '' in their system, it showed them I was in the process with KYHC and there should not be anything obstructing it, no one could even see that Ditech sent KYHC a letter stating they or the investor objected to working with Keep Your Home CA. So I started the application process over again, and notified Ditech I was doing so. With everything submitted to KYHC, approved by them for the principle reduction program they submitted my application to their underwriting. I notified Ditech this was happening, and they seemed 100 % on board with helping me by working with KYHC. I received a call today from XXXX with KYHC stating they again received a letter from Ditech stating my investor will not work with them, putting a stop to my application. I contacted Ditech around XXXX this evening ( XXXX/XXXX/XXXX ) and spoke with XXXX ( ext # XXXX ) who again verified for me that nothing looks wrong with my account with them ( besides the 3 month delinquency ), it still shows I am working with KYHC and as I was in the process of explaining what happened when I mentioned KYHC submitted my application to underwriting XXXX replied " we have to wait for everything to be processed '' I then told him about the letter that was sent by Ditech stating my investor will not work with KYHC and after extensively looking at my file he replied " Nothing has been sent on your behalf from us '' he recommended I call KYHC and informed me I only have 14 days left to contact a HUD approved agency. XXXX along with others at Ditech keep suggesting I form a repayment plan with them which I financially can not do. I contacted a HUD approved agency ( HOPE ), who informed me I may not qualify for a home loan modification program due to my income and expenses. I do n't understand why no one at Ditech can give me an answer as to why this letter was sent, or why my investor XXXX XXXX will not work with Keep Your Home California. I have a XXXX year old son to support and I need to keep my house I worked so hard to purchase. I need Ditech to work with KYHC and to stop giving me and them the run-around. I need answers as to why this letter was sent, and why no one at Ditech seems to know about it. I need a solution to stay in my home, so I can provide shelter for my son and myself.
09/27/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	VA 23435	Web	Servicemember
The customer service representatives are extremely rude and unknowledgeable when it comes to their company policies and information. If they are unsure of an answer they will say anything to a customer even if it is incorrect information. For example, I was paying my mortgage early in the beginning of the loan period because I had the worst fear of foreclosure. For some reason every time I made early payments to my account the money would disappear and the representatives would never be able to tell me what happen to the money ( every scenario can be backed up with receipts and notes from the company ). They would come up with every excuse as to why after making early payments I would still owe the full amount. I was told I had a negative escrow etc.. It got to the point I stopped making those early payments. It took a manager ( who had a bad attitude ) to tell me that all early payments are automatically put into an escrow until the customer calls to reallocate those funds. How many hours I wasted on the phone with these people when that 's all they had to say. Scenario 2, after I purchased my home I decided to go from the XXXX to XXXX. My family was moved to XXXX on XXXX XXXX, 2016. I immediately put my house on the market for sale as I knew I would n't be able to pay rent for my family in XXXX and a mortgage in XXXX. The XXXX in the state of XXXX for an XXXX is {$XXXX} a month my mortgage is {$1600.00} a month. So not only could I not afford to pay my mortgage on my new XXXX pay but I also am a single mother with XXXX children so I could n't afford to pay for a place for us to live in, in XXXX and my mortgage in XXXX. I expressed this concern to my command and they proceeded to tell me about the SCRA Law or Service members Civil Relief Act that was in place for our military for this very scenario. I immediately called Ditech to see if there was anything they could do to assist me until my house either sold or rented. I was given so many different answers by so many different representatives as well as managers. I was told I did n't qualify because the SCRA Law was only for California residents, I was told that Ditech does n't support the SCRA Law because it was a XXXX XXXX loan, I was told by a manager that my loan had to be in default before they would be able to even consider me under the SCRA Law. I proceeded to go on line and read this Law inside and out I even spoke to a JAG officer concerning these answers and what do you know I was given incorrect information. At that point I wrote Ditech a letter since I could n't get anywhere with customer service ( the letter sent is attached ). A long letter explaining my situation enclosed with my military orders and my XXXX to show my pay. I was n't asking for them to do me any favors my house was under contract at this point so I was asking for a deferment until we went to closing and they could take the remaining balance out of my settlement pay. Mind you my home sold for {$39000.00} over the original loan amount. Again I was denied. I was sent a letter stating that because my loan was under the 6 % gap there was nothing else they could do. I called customer service frustrated and was told once again that until my loan is in default they can not help me. I finally received that bill collector phone call after my loan was 20 days past due. I explained my situation to the representative and told her my house goes to closing XXXX XXXX, 2016. She was pleasant and advised me to wait until that time and they would take the funds out of the settlement check. All the tears, harsh words, and frustration and it had to go that far before I could get anywhere. Now here we are 1 day past closing and I 'm still dealing with rude unknowledgeable representatives. Myself and the title company have been attempting to receive a payoff amount from Ditech since XXXX XXXX
08/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08043	Web
Loan Modification XXXX based discrimination. Mortgage company was originally Greentree Serving then taken over by Ditech Financial, LLC, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. Due to my XXXX I do not have the financial means to hire an attorney to handle the loan modification process on my mortgage. Green Tree servicing and now Ditech financial is taking advantage of that fact in the belief that I am ignorant to the process due to my XXXX. Also, Greentree and Ditech are fully aware that I am permanently XXXX and are attempting to discriminate against me and take advantage of the fact that I am permanently XXXX. Also, public information regarding the loan modification process has determined that XXXX % of loan modification applications are denied when the homeowner does not have legal representation. This is further proof of the discrimination I am experiencing due to my lack of income to pay an attorney due to my loss of income caused by my XXXX. I have contacted several attorneys and they charge between {$5000.00} and {$10000.00} to represent a homeowner, with no guarantees of success.XXXX The information I have received from the attorneys show they follow the identical process in which I have done over and over again but obviously the title at the end of their name is the difference. DETAILS OF MY EXPERIENCE : After working in the insurance field for the last 20 years and consistently been employed since age XXXX, I had become permanently XXXX and have been collecting social security XXXX since XX/XX/XXXX. Due to my financial situation I have applied for the government sponsored loan modification programs. There was a lot of information I have to share for you to get the complete circumstances surrounding what I believe is XXXX based discrimination. I contacted my mortgage servicer in XXXX XXXX and since that time I have applied five times for loan modifications and each time I have been denied for erroneous and fraudulent reasons. With each application I provided all necessary documentation, as well as additional documents which were requested, all within the stated and requested time frame and each time I was denied. A few reasons of denial were : a ) I was current on my mortgage payment needed to be at least 90 days behind to qualify. b ) After the 90 days, I was told I was too far behind to qualify. c ) I was told I was denied for not making trial payments on a modification that was never offered to me. D ) I was sent denial letters for not submitting additional information that was never requested verbally or in writing. e ) I was also told on several occasions that all requested paperwork was not received, which each time was false and I have documented proof of this. I have extensive proof to back up all of my claims and that I have met all of the criteria necessary to qualify for the government loan modification program, which was put in place to specifically help individuals like myself save their homes and provide a affordable payment option. Also, each time I was the denied, I was brushed off and told that I needed to start the process over and submit a new application. The reason I continued to submit the applications was at some point, they would see that I was persistent, and possibly fear retribution for their actions. Since their handling of the process was so sloppy and handled with such ignorance, I requested a document requesting the reason for each denial. After 60 days, ( which is legally required to be provided within 30 days ), I receive these documents. The reasons for denial did not match the reason given on the original denial letters, which were originally provided after each denial. I have additional complaints, including unaccounted for escrow funds and mortgage companies inability to obtain original loan documents, which they are required by law to provide upon request.
06/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NH 03301	Web
Green Tree Servicing LLC ( GT ) services my mortgage. Due to a serious medical issue with my husband and him being in the hospital for more than 6 months, I used XXXX XXXX ( XXXX ) to be with him during this time. This time away from work for both of us put the mortgage behind by three months due to cash flow. I receive paperwork from GT to apply for Borrower Assistance due to the hardship. I felt that I could bring the mortgage current on my own and have been working very diligently to do so. Last month I was able to bring my account to owing for XXXX and XXXX. XXXX XXXX came and another month was over due is now late. A check was sent from Quicken Bill Pay on XXXX/XXXX/2015 ( Confirmation : XXXX, Check # : XXXX, Amount : {$1700.00} ( $ XXXX late fee ) ). My husband who has been working with GT to bring it current. On the XXXX/XXXX/2015 my husband was in contact with GT to make the FULL payment for XXXX XXXX, 2015. He was transferred to a different agent who refused to process the payment via direct withdrawal from our checking account. This agent proceeded to REFUSE to process the payment. She DEMANDED the full outstanding ( {$3400.00} ) that was due on the account. He asked to talk with another agent and was refused. After my husband blew up at her on the phone, swearing at her because he was irate that they would not process the payment for just the month of XXXX. The agent insisted that she would only deal with me and not my husband. GT received written and verbal ( many times ) notice that my husband was handling out personal finances including any and all communications with GT. Understandable that my husband was inappropriate but, that is not an excuse for GT not to process the payment as he was polite and has always been when working with GT. He ended the phone call with " forget it, I will have it sent to you via XXXX XXXX Pay account '' and hung up. He then proceeded to send a check for the full amount of XXXX 's payment. It arrived XXXX/XXXX/2015 and it has still not been posted to the account. This is not the first time that GT has treated us with disdain that we are a mortgagee that is never on time with payments, do n't understand our mortgage, and just in general have the attitude that we are a constant problem customer. I refinanced the mortgage several years ago due to the drop in interest rates through the HARP program. At that time I was working with a different mortgage company when the process proceeded to looking at my request to drop PMI if possible, I was informed that the only company that could do the refinance was GT due to the current PMI company. This was very disappointing as I felt that GT was very lacking on their customer services skills even prior to the refinance. I understand that there are individuals that they have contact with on a daily basis that lie and awful to deal with. Prior to my husband having medical problems which has put him in the hospital many times on a yearly basis, my payments have been on time. The original mortgage prior to the refinance was never late and consistently paid with additional principal reductions added to the payments. At XXXX point I had sent XXXX payment between XXXX different checking accounts as I wanted to assure that the payment was on time during the checking account change. The representative at the time questioned the fact that I wanted to pay so much at once. The comment came with a voice that iterated that they do n't have customers that would do that to assure their account would be current. I was required by GT to sign a form that I understood that if I did not specify the extra money in my payment was principal reduction, it would just be held. The bottom line is that Green Tree Servicing LLC is and has been consistently using strong harm tactics to get payments and not working with those that the are serving.
07/28/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MD XXXXX	Web
I have ( or had ) a mortgage with XXXX XXXX XXXX for a property at XXXX XXXX XXXX, XXXX, XXXX XXXX, which was turned over to Greentree for servicing. Greentree was sold to Ditech Financial LLC, which is now responsible for servicing. After having ongoing delinquency issues with my mortgage, I was approved for refi XX/XX/XXXX at a monthly payment that I though I could afford. When time came to sign documents, the amount reflected was approx. {$400.00} per month higher than what had been told to me. Apparently, the lender did not include monthly mortgage and insurance when giving me my estimated monthly payment. After ongoing failed discussions with Ditech, I then decided I would sell my house. I notified Ditech of this. My house was sold to a buyer and, numerous requests were made to Ditech by the title/settlement company for a payoff in order to accommodate an XXXX XXXX, XXXX settlement. Ditech 's own foreclosure attorneys also requested that a payoff be sent to the title company to avoid major issues. On the last day, XXXX XXXX, XXXX, right before closing was due to occur, Ditech finally sent the payoff letter to the settlement company. ( Copy attached. ) The settlement company wired payoff funds to Ditech and asked that they get in touch should there be any issues with the payoff. Neither I, nor the title company, was contacted by Ditech to indicate any problems. Public records indicate that the property was sold on XXXX XXXX, XXXX and documents recorded on XXXX XXXX, XXXX. I moved away from the property and the new owner moved in. On XXXX XXXX, XXXX, I was notified by my office that a process server had come to my place of work and served " court foreclosure documents with your name and your property address. '' Also, the uncovered XXXX page court documents were signed for by the receptionist and left at the front desk. When I contacted the title company and Ditech 's attorneys, I was told that a lis pendens had also been filed against the property. Ditech 's attorneys and the title company then began to communicate to try to understand why this had happened. Turns out Ditech claims that they were short payment for a few days worth of interest. The wired funds were put in escrow and nothing nor anyone notified until those papers were served. Now Ditech 's attorneys have submitted a demand for payment of over $ XXXX+ including attorneys fees, insurance and interest through XXXX XXXX. The title company has paid the requested amount and have been trying to get Ditech to remove the extra interest. Notwithstanding Ditech 's having received these moneys reflecting full payment, Ditech has not issued a release for the mortgage on the property, I 'm still receiving statements indicating that I owe {$29000.00}, there 's still foreclosure papers outstanding in court, I 'm getting calls from individuals trying to " save me from foreclosure '' and, in general, embarrassed to visit my office due to the invasion of my privacy by Ditech and their attorneys. When I attempt to call Ditech, they have put me on hold for up to half an hour and not take my phone calls. I believe Ditech is acting in an unscrupulous and underhanded manner. They deliberately tried to prevent me from selling my home in order to pursue foreclosure, notwithstanding my being in communication with them on a regular basis. I 'm requesting that Ditech remove the excessive and extra interest charges that they have accrued against this account, remove the lis pendens from the property so that the new owner can complete their refinance, cancel any and all foreclosure proceedings and, more importantly, issue a Release of the mortgage so that it can be recorded against the property. I have never, ever engaged with a more underhanded, deceptive, unprofessional, disrespectful entity as Ditech. They are truly a blight on the mortgage industry.
09/26/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	FL 320XX	Web	Older American
We sold our home at XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX and purchased a new one at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX on XX/XX/XXXX. Ditech has held our first mortgage for nearly two years. We 've had a second mortgage since XX/XX/XXXX, for the purpose of an in-ground swimming pool. This loan initiated with Greentree, then, through the years, moved to XXXX, then to XXXX XXXX XXXX where it currently remains. XXXX purchased GreenTree in XX/XX/XXXX. When XXXX bought GreenTree they took over the mortgage, paid the loan - for which we have a copy of the receipt - but records do not indicate they ever satisfied the Lien placed on our property. Also through the years, the name of GreenTree was changed to Ditech and again they never released the lien from GreenTree ; they just absorbed the mortgage under the Ditech name. XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX notified us XX/XX/XXXX that she would be processing our file for closing. She initiated a title search at that time and discovered the above-cited non-satisfied liens. Coincidently, Ditech, the holder of our first mortgage ( for our house ) is the company that gobbled up XXXX of our previous holders of our second mortgage ( for our pool. ) XXXX XXXX has been working with Ditech since XX/XX/XXXX to get these old liens released. XXXX XXXX 's underwriting attorney found another mortgage with similar issues where Ditech recorded satisfactions for all the old mortgages. XXXX XXXX faxed in XXXX pages of documents requested by Ditech on XX/XX/XXXX. Repeated attempts for updates have been met with Ditech saying either they never received the documents and to please resend or they see documents in the system and will have their supervisor call back with a status update. The latter has happened both to XXXX XXXX and to myself when requesting updates on our file and no return call from Ditech has been received by either one of us. On XX/XX/XXXX, we learned from one of the customer service reps that our file was in the " Lien Satisfaction Department. '' We are unsure why this took a month, but we were heartened to learn there might be some progress. This rep also promised her supervisor would call back, but no call was ever received. Unfortunately, we 've been told that customer service representatives for Ditech are not allowed to forward calls directly to their supervisors or to the Lien Satisfaction Department so we can never just call them and ask questions. On XX/XX/XXXX, I called Ditech for an update and spoke with a XXXX who said notes of XXXX/XXXX/XXXX were saying a written request by me needed to be faxed to XXXX so the Lien Release Department could initiate their investigation into the lien ( s ). Initiate an investigation into a matter that was now a month old? I asked him how long it would take the department to resolve the search once they received this " written request '' which, by the way, was never mentioned previously, not in any of the calls between XXXX with XXXX XXXX, or with me, XXXX XXXX, the property owner. XXXX said it could take up to 30 days! My husband and I have a contract to sell our XXXX XXXX XXXX, XXXX, FL property. We were scheduled to close XXXX XXXX. We can not close until the old liens are released. The buyer has had to get XXXX extensions from her lender and we recently had to pay for a third extension for her. In addition, we have a contract to buy another property which has been scheduled for some time now to close on XXXX XXXX. I have changed our address with many companies and people. I have scheduled services for the new residence, such as move-in housecleaning, pest control, moving van, etc. But we can not close until the old liens are released on our XXXX XXXX property. Despite advising Ditech of the time-sensitivity of this matter, they are treating us very poorly. We need help!
02/19/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CT 06512	Web
Company named Ditech assumed my mortgage from Greentree XXXX XXXX for which Greentree took over mortgage from XXXX in XXXX XXXX and its been a nightmare ever since Ditech became involved for which I also learned was the same company. They continue to ignore a court approved modification established with XXXX XXXX XXXX and finalized XXXX XXXX. The modification involved escrow advances and corporate advances by XXXX to bring me up to date with all aspects of mortgage payments and escrow thru XXXX XXXX per XXXX XXXX, the processor of the modification with XXXX.Come XXXX XXXX Those corporate and escrow advances brought my mortgage from XXXX to XXXX with a 40 year, XXXX interest rate. Come XXXX XXXX Ditech aka greentree assumed this mortgage and after being billed XXXX since XXXX of XXXX, all of a sudden they arbitrarily increased billing without justification to the high {$1500.00} and then the harassment began. I was regularly being called almost 5 times a day at my place of business thus jeopardizing my work environment. These calls were rude in nature with attempts at intimidation and recently involved deceptive accounting practices which I learned was one of the many complaints totaling over 5000 filed against them for similar practices in which they do n't record payments until well after due dates and then charge late fees. Ive sent them printouts of timely payments from my bank which they ignore and still charge late fees. Ive been advised of at least 5 or more account representaives in charge of my account who apparently never documents any discussions or receipt of paperwork Ive sent pertaining to payments or the original approved modification. Since XXXX of XXXX Ive received at least 10 statements each each with different amounts owed, non payment of mortgage since XXXX of XXXX for once again I sent them a printout from my bank of timely payments, they show unapplied balances on these statements which who knows why monies are not being applied properly. And the most recent statement notifies me that they will be putting my house into foreclosure and or accelerating my loan, once again without no justification. How do you even attempt to foreclose when all payments have been made regularly and timely. Ive recently learned that while doing business as Greentree they were fined at least XXXX XXXX for such mal practices involving such harassment, intimidation and deceptive practices for which I assume they change names to operate under Ditech and continue where they left off as Greentree. How this organization is allowed to continue doing business is beyond me. I 'm filing this complaint so hopefully someone will intercede as their is no reason for me to deal with such a disreputable company nor should I have to hire an expensive lawyer to fight my case. Hoping there will be an acceptable answer to end this problem. Since XXXX XXXX when Green tree aka now ditech assumed servicing of this mortgage my property insurance for XXXX XXXX thru XXXX XXXXwent from XXXX to XXXX for XXXX XXXX thru XXXX XXXX and then XXXX XXXX thru XXXX XXXX went up to XXXX for which I sent them the difference of! 55 by check which they ignored. My property taxes in XXXX were XXXX which dropped to XXXX in XXXX and XXXX and are expected to drop for XXXX but they say I owe somewhere near XXXX to bring my account up to date. I have a degree in accounting and finance and how they conclude that is beyond me. They say they are allowed to collect advanced escrow but my understanding is unless it is an FHA loan and federally insured that is not true.Even if they circumvent that rule RESPA advises that any advance escrow has to be reasonable. So since their has been no overall change of more than 150 dollars in 3 years I see no justification for their request as it is totally unreasonable. I need escrow eliminated by XXXX
10/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 483XX	Web
Ditech Financial is refusing to reconcile the payments I have made on my mortgage account. They also are threatening to arbitrarily increase my escrow witholding amount to a figure that is close to double the amount of the needed funds to pay the taxes. They claim to have paid an amount to the XXXX of XXXX that is over double what the tax bill was ( Paid XXXX instead of XXXX ) I have no evidence they actually paid that amount other than their claim, but I assume the township would be only to happy to take any money they gave them. My point is simple if they sent the wrong amount that is their money not mine and the charity they have started is not going to be funded by me. The escrow account needs no adjusted figure and an arbitrary cushion they would like added to increase my payment is simply an attempt to force me to refinance with another company or even them again. I have told them on every occasion to stop sending advertisement information yet they persist. I want the money they paid extra to the XXXX credited to my escrow account Now. The amount they are short is {$2200.00} and I want it back. On XXXX XXXX at about XXXX edst I phoned Ditech and spoke to an obnoxious woman in their call center named XXXX After many attempts to get her to adjust my account she said my account was given credit for all my payments and something to the effect that they were within their right to adjust my escrow account as the pleased. Excuse me if I paraphrase as by this time I was so upset by the fact I was getting no where with this person who could n't even listen to what I was saying let alone take an interest in their problem. Maybe they did me a favor by tring to steal so much money from me that I have now gotten to the point of demanding fair treatment and an accounting of my payments and the credits they owe me on my account. Here is what they have not done as far as payments and credits to my account. There is no clause in my contract that says I can only make XXXX payment per month toward my principle. My Mortgage was originated through XXXX Bank, they sold it to Greentree servicing which was Ditech and now they are admitting it is Ditech. In the process of all this switching we were making the payment online. Even after assuring us there was no difference we could continue making our payment the same way suddenly when we went online we were switched to Ditech, while that was a problem then it is resolved now ( I think ) On or about XXXX XXXX I made a payment of XXXX on my mortgage which is {$590.00} greater than the amount due to cover Principle XXXX, interest XXXX and escrow XXXX of course the extra moneys are supposed to go to additional reduction of principle. According to my XXXX statement my balance was {$250000.00}. I made an additional payment of {$3000.00} on XXXX. Because the payment was already made the entire amount should have gone to principle, instead they took it and put it in escrow which was adequately funded per the agreed upon schedule. they clearly did this to avoid deducting from my balance and to avoid paying interest on their unauthorized loan. My balance should be then {$240000.00} they showed {$250000.00}. The next month they did it again XXXX I made the XXXX payment and the XXXX on XXXX. They are showing my balance due at {$250000.00} and it should be {$240000.00}. All this and according to their representative XXXX they do not have to provide me with a statement correcting my balance or even look into the huge discrepancies. I am absolutely certain my current balance is a few dollars less the {$240000.00} and I need to get the Ditech Financial people to admit it and credit my account properly. I also want them to stop harassing me with threats of increased payments to fund the escrow account. I do not want to spend 20 minutes waiting for an incompetent person.
05/03/2019	Yes	Mortgage Other type of mortgage	Closing on a mortgage	TX 77083	Web
I am currently with this Mortgage company Ditech and I called for the first time since I have had my loan with the company to see about a hardship and the representative informed me that they don't have a hardship program and they highly recommended me to do a consolidated refinance loan around XXXX, eventually I went with it and The rep stated that I was approved and promise to pay off several of my main debts and even gave me the rate of my future payments for the loan, I was elated. Every day after that I was emailed with documents I needed to provide and was given a specific time, I obliged and then I was sent an email that I was conditionally approved on XX/XX/2019 XXXX XXXX cst via email by Mr. XXXX XXXX, then I was asked to contact my creditors for pay off quotes, I did that and then the closing company reached out to me to send a date on when it was good for me to close I had to check with my husband because he was working out of town and he had to rearrange his time for the date of the closing, I was giving so many task and I did everything that was asked of me and when I question why I could never get in touch with the MrXXXX XXXX who was handling my refinance and I reached out to a manager on XX/XX/2019 XXXX cst for the one question that I had, shortly after the Mrs. XXXX responded and assured me that I was approved Mr. XXXX just needed to go in to do some touch up on my file. After speaking with her I was under the impression that we were pretty much finished. Than later about a week or so I received a call from Mr. XXXX late and out the clear he stated that all of sudden something went wrong with my approval and their system kept returning my refinance paper as not qualified and then he contradicted himself and said that I was approved but not for the amount that he originally told me but for a lesser amount and I would have to come to the closing for a large amount and he knew I could not afford that. I asked him how could the system change over night and now I can't close, he said I'm going to be honest with you there are too many hands in the pot for your refinance and it wont cover what you will need to close, then he said that he thought my appraisal for my house was going to come in for way more than it did, so he miss quoted me. I did everything I was suppose to do but got the boot because I had a question or Mr. XXXX misinformed me of my loan. I reached out to the manager that was given to me by the him by the name of XXXX and explained my situation and she promised she would look into it and I would hear back from her, I got a call from Mr. XXXX stating that Mrs. XXXX had some issues with her kids being under the weather and she would get back with me and they were still working on my loan trying to fix it. I never heard back from her, I called back and reached out to another manager and he promised that he would look into it and then I received a call from Mrs. XXXX saying she thought that she sent me an email stating her finding, to add insult to their unprofessional behavior I received all of what she informed me was not correct. As I was waiting on a respond I get a random email saying that I was not approved, and was told by Mr. XXXX to ignore that email. I researched on the Mortgage companies site about a loan to value type of loan and it clearly stated what I was initially told that I was approved for 80 percent and after bringing it to their attention they said that their systems automatically computes the approval amount and mine came out to 65 percent and it will cost to much to refinance for me. I have save all the emails to back up my complaint. So not only did they do a hard pull on my credit but they also sent me through hoops and mislead me to believe I had been approved. And mysteriously the system changed over night because I ask a question.
02/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91606	Web
This complaint is regarding a Ditech mortgage payment ( check # XXXX ) dated XX/XX/XXXX in the amount of {$2000.00} that was not applied for the month of XXXX but instead, for reasons unknown was applied to the month of XXXX. As a result of this error, a 30 day delinquency was applied to my Ditech account ( account # XXXX ) and reported to the credit bureaus, landing on my consumer report, tarnishing my 100 % on-time payment history causing a significant amount of damage. Contact was made with Ditech on XX/XX/XXXX with representative XXXX reviewing the account indicating there had never been a 30 day delinquency and the late payment status is without merit most likely a result of late processing on behalf of Ditech and/or a delivery issue with XXXX. XXXX confirmed correspondence addressed to Ditech including mortgage payments have been delayed, lost or sent to wrong address before correctly being delivered. She stated other Ditech homeowners have experienced this same problem having their accounts being corrected without issue. She also stated since my account does not have a history of 30 day late payments, she would notify the appropriate department at Ditech of this anomaly and instruct them to remove the 30 day delinquency from my account with subsequent removal from consumer report after 30 calendar days. Following my phone call with Ditech on XX/XX/XXXX, I did not receive any response or contact from Ditech on the late payment correction. I followed up by phone with Ditech on XX/XX/XXXX and was told no correction would be made to the account and was hung up on. No reason was provided and I never received any communication or follow-up from Ditech regarding this issue. Multiple inquires on this matter were sent both by email and through direct message on the Ditech website on XX/XX/XXXX, XXXX, XXXX and XXXX. All of my inquires were ignored. I finally sent a certified letter on XX/XX/XXXX requesting more information about this late payment on my account. I received confirmation by e-mail on XX/XX/XXXX my letter had been received and should expect a response from Ditech within 30 days. I received a letter from Ditech dated XX/XX/XXXX with some general information on my account but nothing specific related to the concerns I raised in the several inquiries sent to Ditech. After much frustration and no answers, I filed a XXXX XXXX XXXX complaint on XX/XX/XXXX against Ditech mentioning the previous no-response issues and the late payment delinquency. I received a direct e-mail response from XXXX XXXX XXXX on behalf of Ditech between XX/XX/XXXX and XX/XX/XXXX once again with irrelevant information regarding my complaint on theXXXX payment. ( check # XXXX ) By the way things are going, I feel I'm not going to make any progress on my own requesting information and an investigation on my account. Nothing has been confirmed or denied and no communication from Ditech. It seems to me there is a lot of disorganization at Ditech and mortgage accounts are being mishandled and homeowners are paying the ultimate price. I don't understand the reason behind Ditech ignoring all my inquiries and denying my right to inquire and request a proper investigation on my account. I feel uncomfortable and somewhat absurd mentioning this but with the current political climate in the country, it's possible I'm being discriminated against. I do not lack the ability to pay my mortgage and to prove this, all subsequent mortgage payments following this single late payment delinquency have been made to Ditech in larger amounts than usual. I'm currently ahead on my mortgage by XXXX months. I'm requesting assistance from the Consumer Financial Protection Bureau on this matter. The payment with check number XXXX and e-mail exchanges have been attached to this complaint. Your time is appreciated. Thank you
03/24/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 025XX	Web
My complaint numbers are:XXXX and XXXX. We filed for a chapter XXXX bankruptcy XX/XX/XXXX. Our Bankruptcy was discharged on XX/XX/XXXX ( enclosed ). Our mortgage was paid up to date at the time of filing and not included in the Chapter XXXX. Our mortgage was with XXXX, then Green Tree mortgage took it over and we continued making our monthly mortgage payments for the same amount, but only receiving an " informational statement '' ( enclosed ) that showed only the payments we made, no principal, interest or escrow balances, and to this date almost 4 years later we are still receiving those same statements. Green Tree/Ditech mortgage still has our loan in " active bankruptcy '' to this date. I found that out when I checked my credit report last XX/XX/XXXX and I have been calling them since XX/XX/XXXX after I saw on my credit report that no mortgage payments were listed on XXXX credit reporting agencies, XXXX and XXXX since XX/XX/XXXX! So I started to call Green Tree in XX/XX/XXXX to see what was going on. I have spoken to many people since last XX/XX/XXXX and have their names and dates of calls, our conversations all written down. For the first few months, XX/XX/XXXX thru XX/XX/XXXX I thought I was speaking directly to Green Tree and every one promised the " active bankruptcy '' status would be removed. They said they had our Discharge papers. Then on the next call I made in XX/XX/XXXX, because I was still receiving those informational statemens I was informed I was speaking to " national bankruptcy department '' and I should fax green tree my discharge papers and let them know I was not aware I had not been speaking to them directly and speaking to a bankruptcy agent. I was shocked and felt I had been lied to so I did as they said and faxed a letter and the discharge papers on XX/XX/XXXX. ( enclosed ) I thought that would certainly take care of things. It did not. I now call every week and only for the person I speak to to tell me they will " escalate '' my request to have the " active bankruptcy '' removed from our mortgage. As of now I believe it has been escalated at least 10 times or more, and with that I would get a " normal '' statement showing our payments, principal, interest and escrow balances. I have no idea what those are to this date and it has caused me so much stress that I even have cried when I thought someone was really going to help me. It just takes one person to remove this and to no avail on my part it is to this date still not been done, I have asked several times to speak with a supervisor and have been told I could n't. Then recently I got lucky ( I thought ) and I was put through to a XXXX on XX/XX/XXXX and she told me she would take care of it in 24 hours! I was thrilled and cried and thanked her with all my heart and she even gave me her extension XXXX. So here I waited and called a few days later, still on active bankruptcy, I left her several voice messages for 2 weeks and still have not heard back from her, I begged her to return my call. Not a call back yet and today is XX/XX/XXXX a month later. This has caused my husband and me a great hardship, as we would like to refinance our mortgage at a lower rate or sell our home. I could go on and on about the calls I have made and the promises they have made to me about removing this stupid active bankruptcy status, they have the discharge papers and have had them for almost a year now, please help us, I do n't know what else I can do. We paid off our bankruptcy debt and did all the right things, never thinking that this would be something to keep us from moving on with our lives and repairing our credit. What they are doing to us by not removing us from " active bankruptcy '' for almost one year now has caused so much uneeded stress in my life I just cant tell you how serious this is and making me sick
05/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 657XX	Web
Ditech now offers a bi-weekly autopay option. I decided this was a good option, especially since I like to pay extra on my principal each month and this would work out to have extra payment made each year. My first autopay was scheduled to come out XXXX XXXX. The email I received stated confirmed the autopay and stated that the full payment amount of XXXX would come out on XXXX XXXX. This made sense, as the full payment was due on the XXXX of the month. We noticed that only half the payment came out of our bank on XXXX XXXX. On XXXX XXXX I called Ditech for XXXX reasons : 1 ) the XXXX XXXX payment of {$620.00} was not applied to my Ditech account and 2 ) to determine if the remaining balance of {$520.00} should be paid to get the account current. Note : the next XXXX autopay dates were scheduled for XXXX XXXX and XXXX XXXX in the amounts of {$620.00} to provide an extra {$100.00} to the principal each month. When I spoke with the customer service representative, she did n't think a late fee would be charged since I was set-up on bi-weekly autopay. I asked her to check. She discovered that I did need to bring the account current, and I paid another {$520.00}, making my full monthly payment of {$1100.00}. She stated there was a glitch in the system, and that my payment should now post. I asked her to make sure that my next two payments would post as XX/XX/XXXX 's payment since I was previously told that early payments would be treated as extra payment. She assured me that they would be counted toward my XX/XX/XXXX payment. I spent 22 minutes on the phone with her and was assured that everything was fixed. On XXXX XXXX I called Ditech again after receiving our XX/XX/XXXX statement to ensure that everything was straightened out. I spoke to a customer service representative who assured me the payment on XX/XX/XXXX had posted to my XX/XX/XXXX payment, that I was current, and that my XXXX XXXX & XXXX payment should post toward my XXXX payment. On XXXX XXXX at XXXX a.m. XXXX, I called Ditech again to ensure that all was well. Ditech 's automated message stated my payment in the amount of {$620.00} was received on XXXX XXXX, and that my payment of {$2300.00} was due on XXXX XXXX, even though Ditech received {$2400.00} from me in XX/XX/XXXX for my XX/XX/XXXX & XX/XX/XXXX payments. I attempted to speak to customer service, but it said I needed to call during normal business hours. According to the Ditech statement and website, their Saturday hours are XXXX. - XXXX CST. I called back thinking there must have been a mistake as I was calling during their business hours, and got the same message. Unable to reach Ditech via phone, I emailed their customer service on XXXX XXXX and am still awaiting a response other than my message was received. I was unable to call Ditech on Monday or Tuesday ( XXXX XXXX and XXXX ) due to a business trip, but called them at XXXX. CST on Wednesday, XXXX XXXX. I spoke with XXXX in the Arizona office. He started looking into my payments, and stated " I see that you decided to make incremental payments, is that correct? '' I told him that it was incorrect, as I set-up bi-weekly autopay and had paid my XX/XX/XXXX and XX/XX/XXXX payment in full. I spent 25 minutes on the phone with XXXX while he worked to figure out what had happened and why my account was showing {$2400.00} had not been applied and that I was 40 days past due, when I had called twice XX/XX/XXXX about this. He stated there were several changes in the company and that the department resolving customer issues was delayed in getting the issues fixed. He mentioned that a request to fix my account and payment issues was sent on XXXX XXXX and still pending. XXXX was going to send this to his supervisor with a request to escalate. I am supposed to check back in a week to ensure the glitches have been fixed.
06/20/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 074XX	Web
In XXXX XXXX, my husband and I did a refi with XXXX XXXX XXXX, at which time XXXX transferred, our " XXXX '' mortgage to Green Tree XXXX, and XXXX closed that loan. We have always paid our obligations on time. I, unfortunately XXXX in XXXX of XXXX, which to find out in May needed a XXXX, I had the XXXX in XXXX of XXXX, that failed leaving me unemployed and XXXX. I called GT to make a payment because I handle our family obligations, and since having the XXXX it was going to be late. Customer service put me in touch with an accounts manager to see if I could have fees waived, since we always paid on time. XXXX XXXX @ GT was my account manager, XXXX said if I thought having the next payment or XXXX put into a deferment, would that help us out since I was n't recovering as expected. I did not know this was even an option. XXXX advised me that I could email my information in to her because I was unable to drive. Now this was to help me with XX/XX/XXXX payments. I did everything XXXX requested. She then went away and no one in the office would help, including her supervisor. I spoke with her XXXX day and she was so rude said only XXXX could handle this. I continued to reach out to XXXX and started getting the feeling I was getting the run around so I was told I should make the next payment, because we would have to resubmit because the pay stubs from my husband were not current and we 'd try to submit for XX/XX/XXXX, again doing this all through email as I could not fax the information. I asked XXXX on numerous occasions could it be read, because that was another thing XXXX was telling me as a stall tactic I am certain of now, that it was not legible. Finally, XXXX XXXX says they have all the information updated pay stubs, copies of necessary paper work to send out to be approved. I tried calling XXXX several times to make sure the documents were in order. She emails me to say XXXX says the documents are not legible. XXXX? they are no longer my lender, Now XXXX did not attempt to call to call me XXXX or XXXX times a day like she did when she was concerned with my " not making a payment '' but did not call to tell me about the " not legible '' documentation. In the final hours I had compiled all the information needed to send to XXXX and had my husband drove me to a XXXX to fax and I said please call me this is time sensitive. All this to tell me I was denied the deferment. Which lead my husband and I to make a very serious decision to file for bankruptcy, my XXXX income was going to end, and medical bills were piling up as well. We 've NEVER been delinquent with any of our debt, we did this to " save our home ''. It was not easy struggling to pay every bill on time even with XXXX incomes now being " XXXX '' from a failed XXXX, I have NEVER returned to work from the original XXXX, so we go to XXXX income with a family of XXXX living in this home. XXXX of XXXX I believe was our XXXX payment we filed a chap XXXX in XXXX of XXXX which converted to a chap XXXX in XXXX due to loss of income, XXXX still continued to contact me even after being notified that we filed bankruptcy. Bankruptcy closed XXXX XXXX, XXXX, one week later to the date a letter dated XXXX XXXX, XXXX Green Tree sends a letter certified and my regular mail Letter of New Jersey Default and Intent to Foreclose. With fees listed, very contradictory, stating the " if I filed bankruptcy '', not attempt to collect a debt, but lists payments that have n't been made during this time frame of XXXX, and we are aware because we filed bankruptcy. Bankruptcy code XXXX, creditors may not take certain actions for at least 30 days. This is what the GT practices when a middle class family is faced with a devistating situation. We tried to be proactive and work with GT prior to being forced into a bankruptcy, this was not an easy decision.
08/06/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95207	Web
In XX/XX/2017 we were approved for a trial modification. Then trial period was to begin in XX/XX/2017. We agreed to the terms and thought our prayers had been answered and our nightmare was over! We called Ditech to make our first payment on XX/XX/2017. We spoke to representative " XXXX ''. Please let me mkae myself very clear. We called on XX/XX/XXXX to make our first trial payment. With that said, the representative confirmed all of our information to verify our account and then asked how he could help us. We told him we were calling to make our first trial payment. He said, " let me see whats going on with you're account. '' After he took a quick glance at our account he replied, " I see there is a shortage in the escrow account in the amount of {$3100.00}. '' He continued, " how would you like to take care of this shortage? '' We were confused and we didn't understand where he was going. He explained that we would need to bring the escrow account current before we could make the first trial payment. We froze!!! We could not believe what we were hearing. We did not have another 3 thousand plus dollars, PERIOD.He told us that the escrow and trialv payment both needed to be paid by the end of XX/XX/XXXX. The payments would have to record in XX/XX/XXXX to count. We asked the question, What if we cant make the payments? He said, " then you will need to resubmit another modification package and it would be due by XX/XX/2017. We hung up the phone and could not believe what had just happened. XX/XX/2017 we submitted once again another modification package along with an attached " attachment statement '' explaining what had happened and why our trial payment was not made. I called Ditech and they confirmed they had a complete package and we waited. We knew that this wasn't going to be a good thing for us. We waited for an answer and waited until finally this XX/XX/XXXX a gentleman posted papers on our home for foreclosure. We called Ditech immediately and asked about our status with the modification, the rep could not answer our question. We explained what had happened she told us we were given wrong info that the escrow account did not have to be brought current. We could not believe what was going on. Yes, we know this all falls on us. But we wanted to make that trial payment.secondly what happened to the mod package we submitted in XX/XX/XXXX? There was never an explanation given to us.The rep put us on hold came back and told us to submit yet again another mod package. We asked to speak to a manager. The manager got onto phone and told us to just send in our last two pay stubs the most recent ones. We asked her what was going on and she put us off with submit our pay stubs. She said she would send the paperwork that day. She made it sound like all we had to do was issue last two pay stubs and her exact words were they'd ( loss mitigation ) would figure something out. The paperwork came and I just noticed last night that they used the paperwork to answer in regards to our mod in XX/XX/2017 or at least thats what I got from it. we submitted again our paystubs and we waited. We couldn't wait so we had to file chapter XXXX. We cant afford the payment and they have new sale date. We can afford our house payment. There reasons for denial dont fall under fannie mae rules. its a mess and they wont listen to us. We are never able to speak to our rep. We need someone to listen to us. We are running our of time. we dont want anything given to us restructure the loan, something. We've lived here for almost 20 years. My husband lost his job after 17 years its been a nightnmare. Hes working now and we want to pay. Please can you help us can you make them listen we are human beings and we are trying to fix this. please we would appreciate anything you could do. They arent going off the truth.
02/05/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OK 74075	Web
My home loan is a XXXX XXXX Loan. I went through a divorce have been with XXXX XXXX for 4 years, never any trouble never missed a payment. XX/XX/XXXX I was notified by XXXX that my loan was now with Green Tree. I never agreed, never signed any papers, never got any papers to confirm this huge change. It has been a night mare and someone need to audit them or stop them. They have miss allocated monies I sent to go to my escrow, needing my house note to go down. I sent in monies from my Insurance company from over payment never applied to my loan in my escrow account. I have received numerous statements a month with all different amounts to be paid. I had {$540.00} floating around for over 5 months till they took it, back dated it put some to my principal and some to interest but non to my escrow where it was to go. then I had {$81.00} in an misapplied status for months. n at this time they did not send me my escrow analysis till a couple of weeks ago after an audit by them with sending me XXXX totally different findings only that my house note had gone up again. And investigation done by XXXX XXXX that they just never got anything back, when I got assigned a person could never get them to return my calls. Rule that they had in place they are to call me once week until problem solved. I guess I fell thru the cracks. Got one call. I call the help line a lady helped me to fill out a package for a loan modification. She sent it in, then they sent me another so I filled it out, I got another and a lawyer at this point they had people circling my home leaving pamphlets about them taking my house. Had they put the monies to start with in escrow all would of been good. Had they admitted to their mistake and re figured what was owed. One would think they would of known to put the money to my escrow, that is all I had been calling about. I have applied 5 times for a modification. With XXXX rejections for XXXX totally different reasons, then got another package for loan modification. These people are ripping people, rude they are the rudest people whom I have ever had to work with. /They have ruined my credit and will not budge on correcting it. You need to go on line and the read the Green Tree turned Ditech, like we the consumer would not know what they are doing. The just knew that XXXX had sent me to them with my escrow - {$860.00}, there was no way no one would listen to me but the escrow analysis that was dated XX/XX/XXXX. Received XX/XX/XXXX was on the analysis that it was a plus, and by paying {$730.00} my note would go down. But no they had my money all this time and now I have lost my child support without my house being modified, on top of me loosing my sister to XXXX XXXX XX/XX/XXXX and then I myself just finished with my XXXX while trying to keep my home and trying to deal with all this paper work when they do not know what they are doing. I have done all I can short of handing them my home. Listen to this I have lived in this home for 20 years, after many years of physical, mental and physical abuse, I have my now ex husband removed. I got my home and full custody of both my boys. I have made it for 7 years without him. It took me 2 years to get my loan after that. I have worked hard to raise my boys pay my bills and keep a job with XXXX XXXX XXXX since XX/XX/XXXX. My house has appraised at {$120000.00} I owe XXXX really and I can not get help. I never had a credit car till my sister got sick then I had to find a way to help her. I borought her back and forth for 2 yeats to XXXX to get her treatments with out fail. But she did not make it at the age of XXXX yrs old. I was blessed with early detection. Well I begg you to read the complanits on the internet under Ditech XXXX+ complaints. Please can you hlpe me with my note to get away from Ditceh. Please answer me in some way.
12/04/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NY 11510	Web
I am filing this complaint against Green Tree Servicing for many reasons. I am also including XXXX on the complaint because they are the owners/investors on my loan. While reviewing the CFPB 's website, I noted that CFPB had already filed a lawsuit against Green Tree Servicing for violations of several laws that we had been victims of. I spoke with a representative at CFPB and she suggested that I file a separate complaint explaining the details of what I had experienced. This complaint was initiated because we received a loan modification in XXXX XXXX from Green Tree Servicing that reduced our payment from XXXX to XXXX for 5 years. However, 2 years into the modification on XXXX XXXX, the payment went back to the regular amount of XXXX. This is our second mortgage. We have a 1st mortgage and the payment is already XXXX. That brings my total mortgage payment to XXXX ; this is TOO MUCH for my budget. I called Green Tree Servicing about the change and no one could explain the exact reason for the change except saying that the loan had went back to the original amount. I was also told that I had received enough help and I need to pay the original amount. While reading the lawsuit filed by CFPB I realized that been victims of all of the violations noted in the lawsuit. There are several things that Green Tree Servicing has done, as noted above they changed the loan modification that we were told we were being given. Below I will list all the other violations by Green Tree Servicing and XXXX ( as owners of our loan ) :1- From the moment Green Tree Servicing started servicing our loan which I believe was in XXXX ; they harassed us to no end. For 7 years they would call me and harass me. They would call my home and cell phone back to back for up to XXXX times a day. They would threaten me would foreclosure and everything imaginable. Their representatives were very condescending and would make rude remarks while on the phone. They people would make you feel like the XXXX of the earth. I tried to explain to them that I had a 1st mortgage that I was also trying to pay and catch up on but that did n't matter. Their representatives were very aggressive. 2- Back in XXXX, my husband lost his job ; so we fell behind again. Green Tree Servicing started calling my relatives. In particular, they called my mother in law in Ohio and asked her what we were going to do about keeping our home. This was the ultimate embarrassment. 3- Whenever we were behind and even after I had made arrangements with Green Tree , they would have someone come to our home and take pictures and leave threatening notes on or door. My neighbors noted this and even bought it to my attention. Once I went and spoke with the gentleman taking pictures and he replied you know what it is ; Green Tree sent me. This was after I had made arrangements with Green Tree. 4- Another time, the representative from Green Tree called my bank to verify that the funds were in my account before she would take a payment over the phone. She called XXXX XXXX XXXX as a XXXX way call and spoke with a bank representative to ensure the funds were in my account. 5- Also in the 7 years I had been dealing with Green Tree, I was always required to pay with a preauthorized payment in which I had to pay the XXXX fee. While I admit that I had some returned payment is n't there a grace that allows you to begin mailing payments again? I always paid the {$12.00} speedpay fee. It is n't until recently was I allowed to mail in payments. In addition to the complaint being about the Violations of Consumer Laws in relation to a Mortgage Servicer ; this complaint is also about the fact that the loan was predatory from the very beginning. Because of space limitation, I will fax the reason for predatory complaint. The original loan violated many NY Banking Laws.
02/17/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20774	Web
This is the second complaint lodged against Ditech from us. The first is Case number : XXXX. XX/XX/XXXX, I, XXXX, was named administrator of my father 's estate. In XXXX, I reached out to Ditech again. I spoke with a rep named XXXX at Ditech. I told him that we would like to come to an arrangement on the loan since my father has passed. My mother would like to resolve the loan issue, since she has been staying at the home for almost 30 years. I also told him that because I am unfamiliar with mortgages, that I will have someone else speak on behalf of the mortgage since my father left quite a jigsaw puzzle of an estate that I am still trying to figure out. XXXX advised to me to send a written notification that has the name and number of our representative to him and then that will authorize my representative to discuss the mortgage with Ditech. Our family representative is named XXXX and he is my uncle and my mothers brother. I sent the letter, as requested, and Ditech has been speaking with XXXX on the phone. However, Ditech, suddenly has no recollection of this and had the nerve to accuse me of Fraud on XXXX ... At some point in XXXX, our new representative at Ditech was a man named XXXX. He helped us figure out our options and we decided to pursue a Loan modification. We sent in the documentation in XXXX. In XXXX, we tried to call to inquire about a settlement to XXXX and turns out he was fired. In XXXX, we got repeated notifications in the mail saying our representative was XXXX, then XXXX, then XXXX, and now another person. We feel like we are being strung along and not being given someone who can consistently work with us making it hard to find a resolution. So, we now have a THIRD representative we have to deal with, XXXX. XXXX seems to have no idea of what was discussed with XXXX and XXXX, effectively making it as if we are starting from zero in regards to the Loan, when in essence, we have been VERY consistent and earnest in our communication with Ditech, sending many faxes, and calling dozens of times to all the aforementioned people. All faxes and dates can be provided at your request. So we tell XXXX that although we are pursuing loan modification, we would like to reach a settlement arrangement. At Ditechs request, I wrote a settlement offer and sent it in XXXX. We believe the settlement offer was a VERY reasonable and showed that we were earnest in our desire to end the matter. My father received the loan in XXXX for {$350000.00}, and he has already paid {$370000.00} ( est ), at the time of his death. We offered {$140000.00} to settle the remaining {$180000.00} left on the mortgage. We feel this is VERY reasonable. Once we turned in the settlement offer in XXXX, we have heard nothing formal from Ditech. Instead, we hear from some law firm office issuing us a Notice of Intent to Foreclose, on XX/XX/XXXX. Our home is now being fast-tracked for foreclosure. Our loan modification request is currently being ignored. Again, we are alarmed as to why this sudden notice was given. Considering how much we are working towards finding a solution. We received a note on the door from Ditech, asking us to call to schedule a meeting in the week of XX/XX/XXXX - XX/XX/XXXX ( I was not home, So I do not know what day it came exactly ). I make the call on XX/XX/XXXX to schedule a meeting. I speak with XXXX, she says she does not know of any request for a meeting. So we believe that there is something fraudulent happening because the things being said, and being written are not the same. We are at a loss on what to do and whom to speak with because we do not feel that they can be trusted at this rate. Nor does she have info regarding the XXXX who is also authorized to speak on the loan. Accusing me of fraud of on the phone. Needless to say I am at a loss on how to best proce
09/28/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 440XX	Web
We applied for a loan modification on our rental home we have had since 2005, we paid on it a long while, we had many hardships that led us to get behind, bad tenants who did not pay rent, etc ... some even ruined the apartment and we had little money to redo to rent out again. We have gone back and forth now for almost a year trying to get the bank which is Ditech Financial LLc. Which i believe was green tree in the past. To work with us to modify this loan. They started foreclosure procedures and i have asked the courts to help out but they have to stay neutral and now they just sent papers back to me denying my modify saying its a rental, and we make too much money and that XXXX backs our loan and something regarding there restrictions and that due to rentention reasons and all this other issues. We are outraged. This has gone on forever and the attorney handling this with there lost mitigation department, This XXXX XXXX from XXXX, she is the loss mitigation person, they say they mail things to me, the bank that is, then it comes a week later with different dates, and then the loss mitigation person just emailed me the denial letter on XXXX XXXX and said i have 14 day from the date the letter was typed which was XXXX XXXX. but now mail came to us and just an email from this loss mitagation person. This bank stretches the truth, not following proper procedure i know, i have been a realtor for almost 20 years now. They have told wrong things to the courts and magistrate, they delayed things for me timely, i truely believe that the update income information never got to the bank. We have been working directly with this Attorney office mitigation department whom respresents the bank, Ditech financial services. This was sold off once while we were under this modification, been one headache after another. There smooth here, they know the laws and what they can get a way with. So i just filed an appeal today the XXXX of XXXX to the bank with the updated verification i sent them monnths back. Do you know they have had me fill out paperwork on this deal so many times at least 2 to 3 times, notjust verifying income either, its over and over again, ya know most people would not hang in there, they would just give up. We are upset over this deal. We love this rental and have had it for many years. XXXX cant help us out either, I just modified my own home and another rental property, all which went okay, not the best but okay, i have experience with this unfortunately. This is awhful, this bank will get away with lieing, execuses, all this bs with dates and mailings and emailings, no wonder why most people cant even deal with this. This is stressful to say the least too. All we wanted was a fair shake at a modification loan, we have not seen it yet. They cant get my income right, and now i have to spend more time writing letters, explaining over and over and over again, what i sent these people. This is so forever frustrating, I believe they never wanted to modify this loan to begin with, and the push ups they made me do and jump through hoops and to tell me we deny you. They know this is a rental. They know there is a hardship. So why cant we get this bank to deal with us fairly. We are just average people with somewhat of a brain here, but we know more than the average. We will fight them and we feel they will still turn us down, why do the banks have to be so unreasonable and not very helpful. They always win in the end and they make so much money off these deals, Were just sick over it. We are not happy and are upset. I am angry over this and outraged that every bank is different and does different things, i guess i cant be shocked as to the unprofessionalism i have been dealing with. Can you please help us in any way. Greatly appreciate all the help we can get. Thank you XXXX.
02/01/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MI 48080	Web
I was formerly dealing with Green Tree Mortgage when I was informed in XXXX that my new mortgage company would be Ditech. I made my payments to Ditech and they were {$290.00} per month. I am a senior citizen and I am receiving social security as my main support. I asked that the company change the due date on the mortgage because of my pay date. I was told that that would be illegal. XXXX said it was not illegal. But, I continued to make my payments in the month that they were due, even though the payment was often made past the XXXX of the month. This year the city of XXXX XXXX XXXX sent my water bill to Ditech for payment. I have been living in this house since XXXX and paying mortgage payments since that time, but my water bill was never ever sent to a mortgage company before. I received a statement from Ditech that my house payments would be raised to more than {$450.00} per month. Later, I was told my payments would be {$380.00}. Wanting to know why, I called Ditech. I was told my taxes were raised and that the additional monies were needed to pay into my escrow account. I was toldthat {$600.00} in taxes was needed to pay for this year 's bill and additional monies wereneeded to store up for the next year of taxes that would be due. I went to the city of XXXX XXXX XXXX and the clerk said that they had sent the water bill to the mortgage company and I got a statement to indicate that the raise was due to a one time water bill and not due to an increase in taxes. I sent a copy of the statement to Ditech, but the company representative said that it was not received by them. I sent a check for {$300.00} which was my regular mortgage payment plus an additional {$10.00} to go towards my escrow. No amount of telephone calls to the company rendered relief. On XXXX XXXX, XXXX, a woman from Ditech called me and said she wanted to collect my mortgage payment. I asked how much she needed and then I asked if {$450.00} would satisfy Ditech. She said, " Oh! Yes! That would be fine. '' I gave her all the information for an electronic withdrawal from my bank. She gave me a confirmation number. Two days later I received mail that I had to sign papers to avoid foreclosure. Then, I got a handout from Ditech. It was put on my door. It was not mailed, but it was put on the door while I was in the house. It seemed like a message to me that Ditech has a presence to my house and I was afraid which is what I am certain is what the company wanted. I phoned Ditech. The representative told me that they never got my {$450.00} in XXXX. They told me on another occasion that there was no money in my bank account and my check had bounced. I said there was money in the account and that there was more than enough to cover the electronic payment. After a minimum of 15 calls to Ditech I only recently got an oral statement from a representative admitting that they did get the payment, but that they could not take it because they had already started loan modifications. All this happened, inspite of the fact that I did not owe more than one months payment and I had been given a confirmation number. Previously, I went in person to my band and was told that Ditech had never presented the electronic check for payment. After the XXXX XXXX attempt to pay, I was told by a ditech representative that I should not make payments for XXXX or XXXX, because of a restructuring of my loan. I was told that XXXX and XXXX would be put at the end of my loan and that I should only make payments of only {$250.00}. I said I did not understand. I was told that the lower payment was a test. The test was to see if I could meet the terms of the contract. The representative said the probation period would last three months. It has been six months, I never received the papers they were talking about. The mortgage stateme
02/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 21228	Web
this complaint is against green tree/ ditec when they aquired my morgage they never made any contact with me until 16 months later they had people come and put a copyed paper on the front door saying contact green tree and gave a phone number. no other effort was made by the loan co as of XXXX of XXXX i called the and they were very abusive over the phone and hung up on me when i asked them who they were. i called back for a week and they would not answer there phones apparently they had caller id and nobody wanted to talk to me. not until i was sent notice of foreclosure .when i called them they were very demanding and made statements of that i was behind in my payments never notifying that they had acquired the loan on my house. i has to file bankruptcy.they harassed me telling me that they were going to foreclose on the property as soon as the bankruptcy was over so i had my wife follow with a bankruptcy while i retained a legal ferm to work on a loan modification that they rejected several times. finally they agreed to the terms that were presented to the. when i made my first payment i had to use there third party pay system. the next month came and it was the same thing third party pay i sent my payment in. on the third month my account was lockrd out i was not able to make my payment. i tried calling to find out what was going on thinking that since the gov stepped in and was fining then for loan abuse that i was part of the suit that filed against then.there has bin no return calls no mail nothing as to why my account was closed. i repeatedly called with no return calls or correspondence of any kind until i received a notice that my property is going up for foreclosure on XX/XX/XXXX of this year only giving me three weeks notice.of the sale. when presented with this i have called repeatedly someone to contact me over this. i then remembered i had the ins that would help me out. i was injured on XXXX XXXX XXXX in a truck accident and have bin out of work since that time so i filed a claim with the ins co only to find out that the ins that was supposed to be transferred over had bin changed to only cover the structure without my knowledge or concent .i was able to get one of he ins agents to transfere me to a loan rep. wespoke and he was very rude and passed me over to the person claiming that he was the person in charge of me loan from the beginning. i asked how come i never heard from him or receive any correspondence no answer he then got very rude with me talking over me and would not shut up and listen to me grievances and complaints as to the handling of my account. as i spoke he he proceed to talk over me and telling me false info that they had in there computer and threatened me that with getting law inforcement to remove me from the property and my belongings. i am currently have the house up for sale as i wish not to have any more dealings with these people. they have lied deceived conspired to defraud me and my other and lied to the goverment as to who they had done these things that they were accused of doing leaving out many other people in the lawsuit that should be compensated for the abuse. they are guilty of conspiracy to defrauding their customers and should be jailed. i now have to spend more money to file bankruptcy until i sell the property so i may get back some of the money i have invested in the house. what they are doing must be stopped they are ruining the people that have worked hard all there lives. this thing of selling peoples mortgages with out there knowledge and to allow predeters like greentree and ditec to take hold of peoples possessions and defraud and slander them must stop they are ruining peoples lives such as mine. i can be reached at XXXX my name XXXX watson.if anybody that can do something about this problem call me please
05/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA XXXXX	Web
Our original loan was through XXXX. We went to them to re modify our loan or get the interest lowered and were told by the finance manager in order to prove that we can not pay the mortgage, we had to stop paying for 6 months. Long story short, we did and then they would n't consider re modification due to our credit being " bad '' from not paying our mortgage. Our loan was sold to Green Tree servicing and we have been trying unsuccessfully for almost 4 years to work with them to modify our loan. We were told by them that we pre qualified & to fill out the package & get it back to them. The first package I had missed a document and sent expedited it. They said they had n't received any of the documents & sent out another package to fill out. This happened 4 times & each time we sent them certified & we had recieved the post card back with a representative from Green Tree signing & recieving the package. They kept sending us letters saying they had n't recieved the documents & giving us a Case manager to call. When you call the number provided, you do not get that person as this is nothing less than a call center. We have asked to speak with a supervisor on many occasions & they just read the same from the computer the employee did. They had harassed my husband on his cell phone at work repeatedly that we finally changed his number. Then they started harassing me on my phone asking for him. In XXXX it is against the law to talk on your cell phone while driving and he had told them to call him after he got off work. they were calling our house up to XXXX and would start as early as XXXX. On XXXX XXXX I faxed over the entire packet once again from XXXX at a cost of {$38.00}. I have the notice of receipt. They still said they did n't receive it. We have had many auction dates and the next one is next Friday XXXX XXXX, XXXX. We were told to file bankruptcy in order to save our home and it did n't work since they have assessed another {$50000.00} dollars on top of our original loan, so unfortunately the judge had to accept the Trustees documents due to the fact that people are upside down in the housing market & our tax statement shows way less than what we owe so it looks like we do n't have any equity in our home. During the last short sale we found out we have a frivilous lien against our home from XXXX XXXX Atty in Oregon. We included it in our bankruptcy. After contacting the Oregon Bar Assoc, He has been warned several times for his illegal handlings of his case.Now they have assessed more on top of that. Our little XXXX ft XXXX bedroom home is only worth XXXX and Green Tree Servicing has turned down 3 short sale offers, And continues to change our auction date, from month to month. We have literally packed up our entire belongings except our beds and dressers because we have no idea when it will go to auction. I became XXXX in XXXX and this is what started all of this, going from XXXX incomes to XXXX. We have tried to explain this several times and it falls on deaf ears. I have had XXXX since XXXX of XXXX. This has created so much stress on my husband and I that it has caused health issues. I was recently XXXX because of everything we have gone through to save our home. My husband is also XXXX and goes to work, comes home and completely shuts down. We have worked very hard all of our lives, to now living out of boxes not knowing when our home will be auctioned. We have owned this home since XXXX and have put our blood, sweat and tears and are still trying everything we can to save it. Green Tree Servicing has refused to assist in any manner to offer solutions or work with us regarding our home. We just continue to get threatening letters from them that since we have refused to complete all documents or the short sale will not be processed the new auction date is ... ..
04/13/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	NV 89509	Web	Older American
We are the poster children for the real estate crash -- we purchased in XXXX at the top of the market, put 25 % down ( {$150000.00} ) and our rate on the 1st mortgage was 5.875 % ( 6 month Libor ARM with XXXX XXXX ). XXXX would not allow a short sale nor would they reduce the rate on our Libor ARM ( imagine the profit over 10 years -- Libor Index under 1 % and we were paying almost 6 % ). In XXXX we needed to make repairs to the house. I was unemployed at the time so my husband obtained a HELOC from XXXX in his name only ( I was only on the title ). Servicing was later transferred to XXXX. We struggled for years to make the payments and in XXXX attempted to short sale our home ( due to large reduction in both our incomes ). The 1st mortgage was with XXXX XXXX ( but investor was also XXXX ). We were declined for short sale ( investor XXXX would not approve ). Ironically we had no trouble getting an offer on the HELOC to settle for {$7500.00} -- but only if the first mortgage holder would agree -- also XXXX. We could not afford to keep making payments on HELOC and the 1st so we stopped payment making the payment on the HELOC in XXXX. The HELOC was charged off by XXXX about 6 months later. In XXXX XXXX with another 24 months in payments and the increase in real estate values we again listed our home for sale in the hopes of paying off the first with XXXX and settling with XXXX on the HELOC. Right after we listed for sale, we got notification that the charged off loan had been transferred again -- now to Green Tree. We had over XXXX showings and a series of price reductions before we finally secured a buyer. With a sales price of {$420000.00} it would pay in full our balance on the 1st and pay approx. {$9500.00} on the {$72000.00} HELOC balance. Green Tree refused to release the lien unless we came up with an additional {$5000.00} ( which I took out a XXXX loan ). They refused to release my husband for the liability. We were forced to submit tax returns and all asset statements. Our only assets are in our retirement accounts. Our credit scores are high as we have been diligent about trying to reduce debt to prepare for retirement. We are half-way through with putting our XXXX daughter through college and money continues to be tight. The charge off from XXXX dropped off my husband 's credit report in XXXX XXXX and there was never any Green Tree account listed. We closed escrow on the sale of our home XXXX XXXX, XXXX. Beginning in XXXX XXXX the phone calls started. Three and four times a day to my husband 's office, cell, my cell and office. I explained to them that we had nothing else to pay them and we are close to retirement age ( XXXX and XXXX ). Our only assets are in our retirement accounts. We sent ( registered mail ) two separate do not call letters. I also explained that I was not on the note -- only my husband was. On XXXX XXXX, XXXX we received a letter ( forwarded from our old address ) from XXXX XXXX XXXX. Cover letter was from Green Tree Servicing dated XXXX/XXXX/XXXX that " Our records indicate this loan has been settled in full to Green Tree Servicing LLC. Attached was the original HELOC Revolving Loan Agreement -- only in my husband 's name and only his signature. Today ( XXXX XXXX, XXXX ) I checked our credit reports and was stunned to find a new entry on both our reports ( XXXX XXXX only ) listing past due {$58000.00} Charged Off as Bad Debt and Profit and Loss Write Off. Green Tree purchased this note for XXXX from XXXX, they received a 20 % pay day on their investment. We ca n't pay them any more and I need assistance in getting this handled once and for all. We do n't want to be forced into bankruptcy over this debt. I need assistance in removing this from our credit reports and ending this issue once and for all. Thank you for your assistance.
12/19/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	GA 30188	Web
This complaint is directed to Ditech, formerly Green Tree, concerning an error made by Ditech regarding my escrow account. Ditech is now sending pending foreclosure letters to me claiming that I am over 60 days past due on a balance that is both incorrect an unwarranted. The balance they claim that I owe them stems from an error they made concerning collection of tax and hazard insurance monies tied to an escrow account that I did not have with them. This started in XXXX when I removed my escrow account with Green Tree, now Ditech, because of unfair collection practices that Green Tree had put into place when XXXX XXXX XXXX sold my loan to them. My original complaint to the CFPB in XXXX is attached with a correspondence notice from Green Tree acknowledging the complaint and their agreement the cancel collection of escrow for taxes and hazard insurance. In XXXX, Ditech decided to, once again, start collecting escrow for taxes and hazard insurance without my knowledge or approval because city taxes on my property had failed to be paid in XXXX which I was not aware. Prior to XXXX, my county and city taxes were combined with only XXXX payment needed to include both. In XXXX, the county and the city started billing these separately. I was unaware of this because I never received a bill from the city ( it was mailed to an old address ), only the county, which I paid in full as I had been doing since XXXX when I canceled collection of taxes and hazard insurance with Green Tree/Ditech. Because of the balance owed to the city, Ditech took it upon themselves to once again open and start collecting escrow for my account and paid not only the city taxes owed for XXXX but the county taxes as well. They also paid both the county and city taxes again in XXXX. The major concern here is that I was not aware that they had once again started collecting escrow for these purposes and I too was paying my county taxes which I thought also included the city as it always had since I purchased the property. In other words, both Ditech and I were paying my county taxes. I do not dispute that I unknowingly failed to pay my city taxes and am fully willing to pay Ditech the funds back that they paid on my behalf, however, it is a major concern to me that Ditech failed to contact me in any way when they made the decision to once again start collecting for taxes in escrow without my consent. After another complaint letter to Ditech, formerly Green Tree, concerning this issue they have once again removed collection of escrow for taxes and are in the process of trying to collect reimbursement for county taxes that they paid for on my behalf that I also paid. This is where my major concern comes in. Because of the balance that was created on my account due to payments that Ditech made to both the county and city on my behalf that should not have been made, they are now requiring me to pay over {$1900.00} to bring the account balance current while they wait for refunds that they will turn right back around and credit my account with. I have never missed a payment to either Green Tree or Ditech and despite unknowingly missing tax payments to the city for the year XXXX and XXXX, I have always paid all taxes owed on my property in a timely fashion. I currently owe Ditech {$450.00} for city taxes they paid on my behalf and do not feel like I owe a dollar more. Ditech is unwilling to correct the situation and continues to ask for the full balance. I am asking for some much needed help to rectify this situation so I can move forward with a current account without receiving foreclosure letters/warnings from Ditech because of non-payment for funds that I do not owe them. It just seems as if Ditech has adopted many of the practices that made Green Tree so unsuccessful and disliked by so many. Please help!!!
12/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MI 480XX	Web
I am filing several complaints in regards to Green Tree/Ditech as they have committed hundreds of gross lender misconduct violations in regards to my mortgage through them. Green Tree took the loan over from XXXX who took the loan from XXXX where it originated on XXXX. When Green Tree took over my loan 3 years ago my balance was XXXX ( when it was through XXXX ), currently my balance is XXXX, I want to know in detail how this came about, and I want to know where every penny is? I received a loan mod from Greentree, and my payment went from XXXX a month to XXXX XXXX both of these figures include insurance and taxes XXXX, I want to know how this is possible? Green tree had me between a rock and a hard place, my trail payments were also at XXXX and then when I could not come up with the difference I had no choice but to take the loan mod at XXXX or lose my house. I want to know in detail where and when each and every penny is figured into this? I continued to call XXXX about how this could be possible and I was threatened by XXXX a manager at XXXX X XXXX on XXXX, who stated " we have been to your home, we took pictures I am looking at them right now, you have a red car and a flag on your porch we are coming and we are going to take your house away from you ''. I want to know in detail what will be done about this to XXXX XXXX professionally, as well as legally by GreenTree in detail please? What actions will take place as a result of this gross lender misconduct as well as being very illegal, in detail? I asked that I not be called at work as it puts my job in jeopardy, I asked this each and every time we spoke however I currently have XXXX VM messages from XXXX, my current account rep. I want to know what in detail will be done as this was also gross lender misconduct as well as illegal, please in detail what will happen as a result of this complaint? Also I have saved every call Green Tree/ now Ditech has made to my cell phone, they started as early as XXXX and went to XXXX, as many as 25 times a day along to calls to my office all saved of course. I want to know what will now happen as a result of this complaint in detail of course. I filed a CFPB complaint in XX/XX/XXXX, also on the very same day allegedly ( I say that because I never received any paperwork until XXXX note of sale tapped to my door ). Ironically this is also the day that Greentree/Ditech allegedly put me in foreclosure. Greentree did answer most of my complaints however they were very general and some downright lies! Again gross lender misconduct. The exact same day Greentree/Ditech answered the complaint they sent my home to a sheriff 's sale, ironic I do not think so ; I believe this is also the most severe lender misconduct as it is retaliation for getting the CFBP involved. How can this be possible, I want in details answers and explanations? I want to know the in full detail where every penny is accounted for from day one in full detail, if you own the loan prove it with back up paperwork? Exhibit XXXX is Greetree/Ditech response from this complaint. So I arrive home very late on Tuesday XXXX ironically I chased a homeless woman down in a parking lot to give her my change ( yes if need be this can be verified by the store manager where I was ) only to find Exhibit 2 tapped to my door. I am sure you can imagine the shock and horror I was in as I has called just the day before ( XXXX ) and spoke to XXXX XXXX XXXX who I discussed scheduling a payment with, she gave me the XXXX XXXX XXXX address to send it to. NEVER NOT AT ANY TIME DID SHE MENTION THAT I WAS IN FORCLOSURE THAT A PAYMENT WOULD NOT BE TAKEN OR ANY SUCH MATTER. Again you can imagine my shock. I called again the next morning and spoke to XXXX XXXX XXXX who stated " I DO NOT SEE THAT YOU ARE IN FORECLOSURE '', then he put me on hold
02/02/2017	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	TX 76092	Web
XXXX/XXXX/XXXX We refinanced our home with a loan from XXXX, made payments until XXXX/XXXX/XXXX when the market crashed. See Exhibit XXXX XXXX/XXXX/XXXX XXXX XXXX a Notice of Default and Acceleration letter and said specifically, " If the default is not cured on or before XXXX XXXX, XXXX, the mortgage payments will be accelerated with the full amount remaining accelerated and becoming due and payable in full, and foreclosure proceedings will be initiated at that time. '' Clearly stated, this is not a foreclosure, but foreclosure may happen in the future. See Exhibit 2 XXXX XXXX, XXXX came and went with no additional notices or legal actions as stated in the previous notice. XXXX/XXXX/XXXX I file for BK See Exhibit XXXX XXXX/XXXX/XXXX I waived my right to a discharge for all debt, letter mailed to creditors XXXX/XXXX/XXXX. Statue of Limitations begins to run again 30 days after the mailed letter, XXXX/XXXX/XXXX See Exhibit XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX sends another NOD stating " XXXX XXXX XXXX, XXXX. intends to initiate foreclosure action on the mortgaged property. '' This another threat of a lawsuit that never came, but never the less another " Notice '' and reference a future action that that bank intends to take. See Exhibit 5 XXXX XXXX XXXX transfers servicing to XXXX, and later to Ditech. XXXX/XXXX/XXXX XXXX XXXX sends Notice of Default and Acceleration letter, just like in XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and other notices over the previous 7+ years. This is another Notice ; a foreclosure has still not commenced and no other legal action has taken place. See Exhibit 6 According to WA State law, the 6-year statute of limitation for lender to collect on the debt was up on : XXXX/XXXX/XXXX. RCW XXXX : Statute of Limitations requires a lender to take an actionto enforce within 6 years of the acceleration for written contracts. Law dictionary define an action as : n. a lawsuit in which one party ( or parties ) sues another. I still have not been a party to a lawsuit that would toll the statute. Exhibit 7 XXXX/XXXX/XXXX comes and goes and no lawsuit is filed. The lender has had over 7 years to take action, still no lawsuit filed, and over 6 years of the Statute of Limitations running. Exhibit XXXX XXXX/XXXX/XXXX Trustee records Notice of Trustee Sale, with sale date XXXX/XXXX/XXXX. Again, a NOTICE as in the title of the document. Lender specifically is choosing not to take legal action and file a lawsuit, rather to follow a non judicial process AFTER the debt is barred from collection. Exhibit XXXX XXXX/XXXX/XXXX comes and goes, several continuances of sale are issued. Trustee is aware of SOL issues. Phone calls and letters explain to trustee the situation and they do n't have the sale. XXXX/XXXX/XXXX ( 120 days past sale date ) comes and goes with no sale occurring. WA foreclosure law requires lender to start the foreclosure process again. Still, no tolling has occurred yet. XXXX/XXXX/XXXX Trustee records Discontinuance acknowledging that they have to start over but the last day to have the sale was XXXX See Exhibit 10 Trustee also records new NOTS with new sale date of XXXX/XXXX/XXXX. They are starting over with the foreclosure process on XXXX/XXXX/XXXX. See Exhibit 11. Now, the lender is wrongfully trying to collect a debt that is barred from collection AGAIN! Either way, the 6-year SOL has passed on XXXX/XXXX/XXXX, over 302 days past the 6 year tolling date, and over 8 years past the first late payment. XXXX/XXXX/XXXX XXXX XXXX XXXX agrees to continue the sale until XXXX/XXXX/XXXX to look into this further. See Exhibit 12. As of XXXX/XXXX/XXXX, I have still not been sued by the lender, Bank, " holder '' " servicer '' or any other party claiming to have standing to do so, nor has anyone commence a Judicial Foreclosure. PLEASE HELP!!!
09/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CO 808XX	Web	Servicemember
1. My husband and I purchased a home in XXXX, Arizona in XX/XX/XXXX while stationed at XXXX XXXX XXXX XXXX, Arizona. When we notified in XX/XX/XXXX that we had Permanent Change of Station assignment to XXXX XXXX XXXX, we immediately tried everything we could to apply for housing assistance, deed-in-lieu-of-foreclosure and short sale to prevent a foreclosure. We were assured that we were great candidates for housing assistance and deed-in-lieu-of-foreclosure due to our military status and the nature of our move ( military requirement ). We faithfully made our home payments all the way up to the month we were required by the United States XXXX XXXX to move to XXXX, where we had to pay for a rental property there. Additionally, we called and submitted paperwork to Green Tree Servicing ( DITECH ) every month concerning our situation from XX/XX/XXXX XX/XX/XXXX hoping for assistance but only received a response back once a home payment was missed. In XX/XX/XXXX, after we arrived in XXXX, we were notified that we were in fact not good candidates for housing assistance, deed-in-lieu-of-foreclosure nor short sale and were left with our only option, a foreclosure. 2. In XX/XX/XXXX, our family was reassigned to the United States XXXX XXXX XXXX ( XXXX ) and very shortly thereafter, I was tasked to deploy. A requirement for my deployment was a higher level security clearance which initiated an investigation. The foreclosure listed on my credit report led the investigators to question my trustworthiness. As a result, my clearance was temporarily revoked and has yet to be reinstated. 3. I disputed the DITECH bad debt figure on my credit report with XXXX for the following reasons : - Green Tree Servicing ( DITECH ) settled in a class action lawsuit with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) in which DITECH was found negligent of mishandling requests for mortgage short sales, loan modifications and tricked customers into paying convenience fees ( see Attachment 1 ). These actions were evident in our case by repeated switching of our case worker, consistent inability to communicate with them, and run-around for processing our requests for aid. Green Tree Servicing agreed to compensate borrowers who may have been harmed by unlawful practices. My family has endured the harm of these practices for the past five and a half years, which for the past year has culminated in the revocation of my security clearance and jeopardized my impeccable military career. - A differential balance at the very least should be represented. XXXX XXXX XXXX XXXX, XXXX, Arizona sold four months after the foreclosure for {$110000.00} ( see Attachment 2 ). This should be removed from the total bad debt of {$160000.00} leaving a remaining figure of {$43000.00}. Additionally, I am advised by my financial counselor that Green Tree Servicing received tax breaks for the written off debt and gained even more than the {$110000.00} for the home. 4. On XX/XX/XXXX, I filed a credit report dispute with XXXX requesting removal of the bad debt entirely or at least reflecting the differential balance of {$43000.00} as the bad debt. I received a notification on XX/XX/XXXX that the dispute had been processed and that updates were made. I contacted XXXX directly via phone on XX/XX/XXXX to clarify what updates were made as they were not clearly visible. The only updates made were to the date updated, changed from XX/XX/XXXX to XX/XX/XXXX, to the balance, changed from {$160000.00} to {$160000.00}, and to the ratings clarifying 30, 60, 90 days past due on home payments from XX/XX/XXXX XX/XX/XXXX ( see Attachment 3 ). All this seems to have done was allow DITECH and XXXX to say that they processed a dispute in a timely manner, not that they actually resolved anything.
10/03/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MN 55372	Web
XX/XX/2016 - XXXX XXXX representative XXXX XXXX contacted Ditech for a loan payoff amount and was told to send the request to the following fax number XXXX. XX/XX/2016 : XXXX XXXX requested a pay-off amount from Ditech to that fax number and included my authorization to release the information sign XX/XX/2016. XX/XX/2016 : XXXX XXXX again called to check the status of getting the pay-off amount and was told to send the information to a different fax number XXXX. She resent the request to that fax number and received a fax back saying she had to submit account number, social security number and written authorization for release - which had been sent in the request. Ditech then stated that the authorization that was sent had expired after 90 days. It was 8 days old at the time. XX/XX/2016 : XXXX XXXX contacted Ditech again and spent 1.5 hours on the phone attempting to get the payoff amount. She requested to speak with a manager and was refused. The representative at Ditech told her she was not seeing the authorization as received even though they had responded to it the day before. She sent the documents again to a XXXX at XXXX. XXXX noted she received the authorization but when XXXX tried to call her back she was told that XXXX was not noted on the file and they would not be able to contact her. XX/XX/2016 : I personally contacted someone I know at Ditech to see if they would be able to provide me with some assistance. She contacted the Director of Customer Service who did not return her call. XX/XX/2016 : My closing on the refinance was scheduled for Monday XX/XX/XXXX. Because of the 3 day disclosure requirement my closing was cancelled. I tried to call Ditech twice this day and sat on hold for 20 minutes each time before having to go. XX/XX/2016 : I sent a Notice of Error with a summary of what we had tried in an attempt to get the payoff amount and a request for the payoff amount immediately or at least a reason it was not being released. This fax was sent to XXXX per instructions on the Ditech website as well as in writing to a South Dakota XXXX . XXXX XXXX sent another request to Ditech for the payoff amount along with a copy of the Notice of Error and a note to " PLEASE ESCALATE. '' She received a fax back with the same language as their XX/XX/2016 fax requesting account number, social security number and written authorization for release. They also stated that the authorization that was sent had expired after 90 days. XX/XX/2016 : We resubmitted the request with the exact information they had requested along with a newly signed authorization form and a signed document from me requesting the payoff amount and begging for someone to help me. We have not heard anything back from Ditech as of this date. XX/XX/2016 : XXXX XXXX attempted to contact Ditech again and the message noted the hold time was 45 minutes which she could not wait. I again contacted my personal contact a Ditech and sent yet another request for the pay-off amount which was forwarded to their legal counsel with a personal letter from me requesting the pay off amount and that if I could not get any help I would be contacting the CFBP. -This process has cost me hours and hours of time and frustration. I have wasted at least 10 hours of work time on this issue and have not gotten any response from anyone at Ditech. I leave in 2 weeks and will be out of the country for a month. I have cancelled my closing once and if it does not happen before I leave the country this will cause me considerable financial hardship. Please note Ditech purchased my mortgage XX/XX/2016. My account is being handled by the bankruptcy department at Ditech for a bankruptcy filed 5 years ago and I have made every payment on time and in full. I understand bkr accounts can take longer but we are now at 14 days.
12/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 773XX	Web
Brief Overview of our Mortgage History The complications that we are having started when our loan was switched from Green Tree to Ditech. On XX/XX/XXXX taxes of {$3400.00} to our County. This was the wrong amount because the statement for XXXX was used by accident. The difference of this amount was {$390.00} paid on XX/XX/XXXX by Green Tree Green Tree billed us for that amount and we paid Green Tree {$390.00} on XX/XX/XXXX They received our payment of {$390.00} on XX/XX/XXXX That showed on our statement as UNAPPLIED FUNDS until XX/XX/XXXX statement in which the {$390.00} was moved from Unapplied Funds to Principal. WE DID NOT REQUEST THIS MOVE of funds and did not even catch the issue XXXX. I called Ditech asking why I continued to have an amount listed on Escrow. Hopefully those conversations are recorded. I was told that is takes time for the processing of funds and that I should wait. I did not realize that the funds had been applied to Principal at that time. ( XXXX ) I did not ask Ditech to pay my County Taxes nor did they bill me for Escrow in XXXX. On my XX/XX/XXXX statement is showed that Ditech paid my XXXX taxes in full ( {$350.00} ) to XXXX Tax Offices. I paid Ditech {$3500.00} on XX/XX/XXXX in full. Statement dated XX/XX/XXXX showed that the {$3500.00} was received on XX/XX/XXXX. I called Ditech and asked what was happening with my payment due dates. It was not until XX/XX/XXXX that one of Ditech 's representatives in the tax office was able to help me figure out WHY they claimed that I owed them the ESCROW amount of {$3500.00} and {$390.00}. That representative submitted for the funds to be re-applied to correct the issue in which DITECH applied the funds to my principal. The XXXX Statement began to charge me escrow. I had already emailed and called regarding that WE DID NOT WANT ESCROW. I was told that I had to go thru the ESCROW account department in which I did and they confirmed on the phone that my ESCROW HAD BEEN CANCELLED. I later received a letter stating that Ditech DENIED the cancellation of our Escrow on XX/XX/XXXX. The reason stated was that funds had been advanced on our behalf to pay unpaid expenses and those funds would need to be repaid. WE HAD ALREADY PAID THOSE FUNDS BUT THEY WERE NOT APPLIED PROPERLY! Ditech then began to bill us {$480.00} per month for escrow. XX/XX/XXXX a late fee of {$60.00} was charged and we began getting phone calls form a collections department. This is where the STRESS began to affect us. My husband & I both were being called several times a day asking that we make payment immediately. In XXXX Ditech began to change the application of the wrongly applied funds. On XX/XX/XXXX we paid our County taxes of {$3800.00} directly to XXXX. Ditech continued to demand payment because they told me that they had already allocated fund. I verified with my county that NO FUNDS had been received. I also spoke with the Tax department of Ditech and they placed an order to cancel payment of the XXXX taxes because the representative confirmed on the internet that NO TAXES were due. According to XX/XX/XXXX statement, we still owe Ditech a balance of {$3200.00}. I have made all of our monthly payments of {$1200.00} each month but Ditech is applying the funds to escrow & other funds in suspense. We have since contacted Fannie Mae and are asking for their assistance to request that escrow be removed from our account. The continued mishaps with Ditech have caused a major amount of stress & anxiety. We are now seeking legal representation. We suffered the XXXX in a 4 year time period as well as other medical situations. During that time every payment was made. Ditech continues to keep funds in suspense, charge us late fees and send letters from a collection agency. WE ARE EXTREMELY DISAPPOINTED in DITECH.
04/04/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	IL 60504	Web
Following the Cfpb website and sample letters, as well as rules for mortgage servicers, I submitted a Notice of Error to Ditech on XXXX XXXX, XXXX, per the USPS Ditech received this notice on. I have for the past 5 months asking Ditech to credit a payment I made, they processed, and according to their representatives, placed in suspense ( though it was a full month 's payment ). Ditech stated the payment was returned, was not, due to my account being referred to foreclosure, the day after payment was received. Ditech also states that on XXXX XXXX, XXXX they stopped receiving payments from me. The payment in dispute was received on XXXX XXXX, XXXX, again Ditech cashed the check and I provided proof from XXXX XXXX. I have exhausted the options Cfpb states are placed in protection for borrowers. I have followed all correspondence suggestions, sending in a multitude of letters and faxes to Ditech. To put it blatantly, Ditech has refused to provide me with information, that laws specify I should have already been in possession of, such as on my statement Ditech should have listed the amount that was in suspense- THEY DID NOT, on my Statement Ditech should have listed any and all transactions during the covered period that was exercised on my account- THEY DID NOT, Ditech should have credited my account on the day payment was received ( my account was not in foreclosure-by Ditech 's own admission the date they " referred my account '' was XXXX XXXX, XXXX. Ditech, knowingly placed information on my credit report that was erroneous, referred my account to foreclosure even though my account was not 120 days in arrears- Ditech following GreenTree ( apparently the same company ) knowingly continued to collect on a disputed amount. Ditech refuses to answer and provide basic information- What date did they record my XXXX XXXX, XXXX payment as received? Refuses to provide a corrected statement with the actual information and transactions on my account. I have provided documents, from the original XXXX to a screenshot of my current account status. I owe for XX/XX/XXXX, Ditech shows me 3 payments, one that is an error and disputed prior to GreenTree officially taking over my account, I was told I had 30 days to make notice of any inaccuracies, which I did so, however GreenTree has always attempted to collect on the amount. I have contacted XXXX XXXX XXXX, but to this day, have nothing other than the XXXX XXXX notice they sent me that they were continuing to work on correcting my accountXXXX XXXX transferred my account without further communication on the dispute. Ditech stated they sent the money back to me when? I asked them to provide the dates, sent the money back? Why? According to Ditech, because on XXXX XXXX, XXXX my account was referred to foreclosure- payment was received and processed on XXXX XXXX, XXXX, per laws my account was supposed to be credited on the day payment was received and if NOT the borrower was not to suffer any penalty. Today, Ditech is in possession of {$1100.00} with absolutely no credit or record on my account. I have documents stating the money was placed in suspense and absolutely no record, log, transitions stating where the money went? Did someone steal my money? Where is it at? What is going on, I read that a year or so ago, GreenTree is Ditech, look at this mess, I ca n't even get my account credited for an obvious mistake, even after repeatedly sending in proof of payment, proof or receipt, I DO NOT HAVE THE MONEY DITECH OR SOMEONE WITHIN YOUR COMPANY has the money. I do n't think your company learned one thing from the Cfpb or FCC, I think you 're doing exactly what you 've been doing. I ca n't believe you 're making me go around in circles. You 've sent countless letter telling me you 're working on the matter, why is it so difficult?
06/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75044	Web
Our house was bought with a mortgage from XXXX. When they went bankrupt, the mortgage was sold to XXXX XXXX XXXX. Then it was sold again to about XXXX years ago. Then in XXXX of XXXX we got in the mail a notice saying that it was the final notice that our house was being foreclosed on by Green Tree. This was the XXXX time we had heard of anything like this about a foreclosure. We had been late on the mortgage a couple of months, but we had n't received anything before this that said foreclosure. When we got the attached notice, we immediately filled out the papers that were attached to it that said we could get Assistance Modification. We faxed the modification paperwork to the number on the notice. After the modification paperwork was submitted, XXXX from Greentree said to send in {$900.00} to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. But the cashier 's check we sent was returned to us by the mail saying it they were no longer at that address. We called XXXX back and he said to mail it to XXXX XXXX XXXX, XXXX instead. We did n't trust the mail, so we started bringing the money orders in person to this office building each month. We took a money order to them each month and received a receipt. Because we were paying them each month and had gotten a receipt for our payments, we thought the foreclosure was taken care of and that our loan had been modified and was being held by Greentree. We were told to make our money orders out to XXXX XXXX XXXX XXXX. Then on XX/XX/2015 we received court papers saying that we had to report to the Justice of the Peace in XXXX on XXXX XXXX, 2015 for a foreclosure hearing. We got the name of a lawyer from a friend as someone who works with foreclosures. We hired XXXX XXXX XXXX of XXXX XXXX. We called him to try to hire him to come to our hearing on XXXX XXXX, but he said that was n't enough notice for him to make it to the hearing, so we went to the XXXX XXXX hearing in XXXX alone. The judge asked if we had a lawyer and we told him our lawyer could n't make it to the hearing, so he rescheduled our hearing for the following week. So then we paid him {$2500.00} in fees and he showed up for the next hearing around XXXX XXXX or XXXX. The lawyer did come to this hearing, but the judge said that he had only been on this bench a week, so he could n't make a ruling, so he was going to transfer it to a higher court, to XXXX XXXX. Our XXXX hearing in the XXXX court was on XXXX XXXX. Our lawyer did n't show up, so the judge said that the court did n't inform the lawyer of the change in court date, so they rescheduled it for XXXX. When we went to the XXXX court date, our lawyer showed up, but he would n't allow our translator to come into the court. At that court hearing, our lawyer told the judge that we did n't speak very good XXXX, but that he would make us understand. Our lawyer asked me only XXXX question " Were you making payments on the house? '' We told him we had been paying every month until we received the notice in XXXX saying that our house had been foreclosed on. After that, they did n't ask us any questions, the judge just ruled for the XXXX XXXX that he owned the house. After this, we asked our lawyer to appeal, but he said he would n't do that, that we needed to hire another lawyer. He did not mention anything about us needing to pay a fee for an appeal. A week later on the XXXX of XXXX, we got a notice on our front door saying we had to vacate the house. We tried to call our lawyer, but he would n't answer our calls. We finally tracked down someone at his office who would answer the phone, XXXX, he said there was some fee that was supposed to be paid, but this was the first we had heard of it. He said there was nothing more to do. We started packing up and they came to throw us out of the house on XXXX XXXX.
10/09/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85032	Web
XXXX XXXX gave us a mortgage in XXXX/XXXX/XXXX. During the first weeks of XXXX, I made a {$50000.00} principle reduction payment. But I did n't get transaction history for years and when I did get the history I did n't notice that XXXX XXXX had posted the money to principle reduction then posted it as a reversal. Then on the same date XXXX/XXXX/XXXX they posted it to Unapplied funds and finally they posted a credit to escrow disbursements. We had a mortgage for {$290000.00}. They had taken the {$50000.00} off the running balance and it went to {$240000.00} but then they put the {$50000.00} back on to the loan amount on XXXX/XXXX/XXXX when they did all of these transactions. I want my {$50000.00} back into my hands. We are one month late and could use our money. They also would bill us a late fee of {$91.00} but the next month they would credit Uncollected Interest in the amount of {$91.00} instead of posting it to late fee paid. Like clockwork, every time there was a late fee for {$91.00} the next transaction in following month would be a posting to interest. Fees and interest are two different things and I want my late fees back that they put into Uncollected interest. They have also collected other {$5.00} and {$10.00} fees without giving notice of what they were for. Green Tree Servicing took over and they harrasssed us at every turn. They also have done some hinky accounting practices on our account. Forgetting to take the principle portion of a payment from off the running balance. Going back into the transactions and changing transaction history. Green Tree wanted our house and would try every trick to force us out. I complained to the AZ Attorney General. But before they were closed and turned into Ditech Servicing they had us by the neck and told us to do a loan modification or lose the house. We had no other options but to take their loan modification and conditions. A new 40 year term at a lower rate. I have the loan mod paperwork showing it was a 40 year loan. Recently I was talking about refinancing and had s mortgage officer run credit on us and he said it 's showing a 49 year loan and not a 40 year loan. The transaction history has already been and is still being changed and I have old transaction histories to prove that they are changing the history as far back as the {$50000.00} princ payment. Ditech is doing this as well as countless other changes they are making to the accounting. Including adding in inspection fees and insurance fees after the fact. Ditech, a XXXX company like Green Tree took over from Green Tree. This accounting debacle needs to stop. I should be able to look at the accounting and see a credit to an account and a debit to its respective account but they are not doing it this way. In fact, Ditech has been changing the transaction history and posting payments before I even sent the payments. They are saying that they are cash payments when there was never a cash payment. There is so much more that is wrong accounting wise I 've had to send several letters to them asking about different things they 've done because there 's just too much to query them in a single letter and it is complicated now that they 've changed the transaction histories. Please help me. I put $ XXXX down on my house in XXXX plus {$50000.00} extra principle in XXXX and I paid that mortgage until XXXX when Greentree Servicing forced us into a loan modification and I do n't believe we were really late or even needed the loan mod. Due to Greentree ' accounting slight of hand. Malfeasance, malfeasance, malfeasance!!!! Now we may have a 40 year loan or a 49 year loan and if they based it on a 49 year loan and need to adjust all those payments to principle, interest and escrow since XXXX 's loan modification, it 's going to be a nightmare.
08/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22192	Web
On XX/XX/2019 I filed a complaint on this website ( complaint # XXXX ) against Ditech Financial LLC for issues I was having regarding their improper servicing of my deceased father 's home loan and their failure to recognize me as a successor in interest. They responded via the CFPB Portal and their response included a letter that they had supposedly sent to me at my father 's residence. Upon careful review of this letter which I had never received I noticed that it had to have been a forged document due too two facts. One it was never delivered to my father 's home and two the top of the letter is dated for XX/XX/2019 but at the bottom of each page it has a date of XX/XX/2019. Additionally they stated in their response that they had added my name to the account in XXXX however, after they sent the file to XXXX XXXX XXXX to begin the foreclosure process I contacted XXXX XXXX XXXX to discuss the problems I had been having with Ditech LLC and advise them that my father was deceased. When I spoke to XXXX ( on XX/XX/XXXX, ) who was handling my father 's case, she was completely unaware that my father was deceased and didn't have a copy of any of the supporting documents that I had all ready sent to Ditech LLC numerous times. She requested that I email them to her along with a brief summary of what I had told her on the phone. Which I did promptly. Also if they had added my name to the account in XXXX like they state then why is it that all correspondence they sent and continue to send is still addressed to my father. After filing my last complaint I sent both XXXX XXXX and Ditech LLC Qualified Written Requests for information and Notice 's of Error. Those were mailed on XX/XX/2019 via USPS Overnight Service and were received by both companies the next day. To this date I have never received a response from either company. On XX/XX/2019 I retained legal representation to assist me with defending the foreclosure and hopefully stopping the sell of the home. On XX/XX/2019 he advised me that he had received confirmation that the sell had been canceled. Then on XX/XX/2019 he sent new QWR 's and NOE 's to both XXXX XXXX XXXX and Ditech LLC. In those letter 's he requested the servicing files for my father 's account as well as any notices that had been sent regarding my father 's account. He also notified them of their error in not recognizing me as a successor in interest and requested that they send me an application to assume the loan as well as a loss mitigation packet. He also advised them that their response to those letters needed to be sent to him but that any other communication regarding the loan needed to be sent to myself at my father 's address. To this date the only response they have made was to email my lawyer a loss mitigation packet on XX/XX/2019. To this date they have yet to mail or email the servicing file to myself or my attorney and haven't made any response at all to the QWR. This is yet again a clear violation of RESPA Law. On XX/XX/2019 I faxed the mitigation packet to Ditech LLC and as of this date I have yet to have heard anything back from Ditech LLC. Since the home is no longer scheduled for sale my lawyer and I agreed that his services were no longer needed on this matter so he withdrew from the case as of XX/XX/2019 and sent letters to both XXXX XXXX and Ditech advising them of this and advising them that all future correspondence needed to be sent to me at my father 's address. Still neither company has made any attempts to contact me regarding my father 's loan, the mitigation packet, or the QWR. This is again in violation of RESPA laws. Ditech LLC needs to be held accountable for their actions and I feel that their forging of documents is downright criminal and they need to be held accountable for their actions.
01/18/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30088	Web	Older American
RE : XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Case No : XXXX Ditech Financial LLC Account No : XXXX I was illegally foreclosed on while I was in Bankruptcy and before it was discharged. The mortgage company, Ditech, continued to accept and cash my mortgage payments ( three months worth ) while I was in foreclosure and my home was subsequently sold at auction. The following is additional information re my original complaint : This letter serves to provide additional information related to the complaint I filed with your office and the CFPB regarding action taken by Ditech Financial in the foreclosure sale of my home, including Ditech 's response to my original complaint in a letter to you dated, XXXX XXXX, 2016. In the XXXX XXXX, 2016 letter, Ditech attempted to explain the chronology of events, however, this account is wholly inaccurate. I received a notice of foreclosure on XXXX XXXX, 2016, prior to the discharge of my bankruptcy on XXXX XXXX, 2016. Again, as stated in my previous complaint, I then began trying to contact XXXX XXXX at XXXX. I received a call back from XXXX XXXX on XXXX XXXX, 2016, which was adequate time to delay the foreclosure because I had been not discharged from bankruptcy at that time. Nevertheless, the property was sold on XXXX XXXX, 2016. Further, Ditech admits in this letter that they continued to improperly accept my monthly loan payments for XXXX, XXXX and XXXX 2016. However, Ditech explained that in XXXX, they returned {$1400.00} which they claimed was the amount in a suspense account and one of the monthly payments of {$950.00} that they fraudulently accepted. Again, this is a misrepresentation by Ditech. The {$1400.00} noted in the response letter was from the Greentree suspense account, and was not related to the payments they took in error, such as they describe. Ditech then went on to write, that they were " in the process of issuing a check for {$1900.00} to return to me, the two remaining payments of {$950.00}. '' As of today, such payment was never received. Furthermore, the " gesture of goodwill '' Ditech claimed they would make by " reaching out directly to discuss other ways to provide assistance, '' also never occurred. So, while Ditech claimed to you that they were " working diligently to do the right thing, '' they did nothing of the sort. In fact, it was four months ago that they vowed to you that they would make things right. I can only assume, this was simply said so you would close out my complaint against them. It would appear that Ditech never intended " to make things right. '' So, I have been left alone to continue to fight on my own against the current owner to try and stay as long as I can, in what was my home for XXXX years. If you 'll recall, Ditech claimed they asked to rescind the sale because of their gross errors and fraudulent behavior, but the new owner refused. I am an elderly, XXXX woman and have been left with no choice but to seek counsel to take legal action against Ditech, which honestly, I do not have the means to do ( see attached letter from my XXXX ). But perhaps, this is exactly what Ditech relied upon all along. Currently, I am also trying to obtain additional time to move out so the current owner can finally take possession of the property. I have no means to do this either, but yet again, I am left no other options before I will be forcibly removed by the Sheriff 's Department. Any assistance that can provide would be greatly appreciated because nothing about what Ditech has done is right here! Ditech should be forced to do the right thing, if they will not do so willingly. This should n't be permitted to happen to anyone else. If you need additional information, you may contact me at : XXXX. XXXX XXXX Cc : Ditech Financial, LLC CFPB via portal
02/14/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MO 64114	Web
Three months after my son died XX/XX/XXXX. A man came to my home saying he was sent by Ditech Financial LLC to take a picture of me and my home. Which scared me. My daughter told him to get off our property. He handed her a note from Ditech to call them immediately. The man continued saying. '' You better call them immediately! They mean business! They are going to foreclose on you if you dont pay them now ''. XXXX my daughter told him that we do not have a loan with Ditech. The man said, " Well someone does and this is the address! They don't care how young or old you are they will sell your home out from under you and kick you out into the street! They are ruthless and they dont play around. You best pay them! We were shocked. It had to have been my son who financially exploited me for 27 years stealing my XXXX year life saving of over 1 million dollars. He left a complete 27 year paper trail of evidence proving his guilt, incriminating himself and his sister XXXX. XXXX called Ditech at that moment. The lady that answered was rude. She would not give us any information about the loan because we are not on the loan! Only the deed. They wanted to know who was the information of the executor along with legal documents, death certificate, which XXXX had sent. We have no access to that info. We do not speak to my sons children because they are exactly like my son. I made every mortgage payment as shown by my bank statements and cancelled checks, He never paid XXXX XXXX on my home since the purchase date XX/XX/XXXX. no upkeep, no repairs no utilities nothing. My son never made a payment. He kept refinancing my home several times as shown in the evidence XXXX found in his many different files in my home after she had him removed by ex parte XX/XX/XXXX. I allowed him to move in with me in XX/XX/XXXX. He would not leave my home. He was very abusive and I was too scared to tell anyone. In XX/XX/XXXX XXXX came to care for me and began to see and investigate the financial exploitation. An insurance agent came and took pictures of my home and said we better call our mortgage company right away. We have no mortgage company. It was my son who has a {$50000.00} plus loan against my home he got XX/XX/XXXX. We found a transfer from XXXX to Green Tree. Then found a XXXX XXXX insurance policy to Ditech. My son knew he was XXXX of XXXX of his XXXX the doctors in XXXX told us on XX/XX/XXXX for a while. He could have stopped drinking but refused. XXXX himself! He knew how far XXXX had investigated his exploitation and knew he was going to prison. He had 7 life insurance policies. That Ditech needs to go after, Not us. XXXX XXXX is XXXX, XXXX years old she was never taught to read English. XXXX was suppose to care for her and have a fiduciary relationship with our mother. Which he violated with extreme abuse and financial exploitation. She had no idea any illegal actions had taken place against her. Until I her youngest daughter came to care for her after XXXX tried to XXXX her in XX/XX/XXXX. Then I found the abusive and illegal action and paperwork to validate all his crimes against his own mother. I have Durable Power of Attorney given to me by my mother. Please note that on page 5 XXXX was not or is no co-signer, co-borrower or co account holder. I had to mark something in order to add our information to this complaint. I will sent a copy of my POA when I am notified where to send it. I also have photos of Ditech 's note, Insurance police, Letters from Ditech and more needed for this complaint, but could not upload. Please let me know where to send them. This calls for immediate action. My siblings stole everything they could from our mother. I can not let her lose her home, Please keep me informed on what I need to do to save my mother ... Thank you
02/15/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MI 496XX	Web
My husband and I have been seeking a mortgage rate modification with our mortgage company since XX/XX/XXXX, after they sent us a letter saying we could. The company has been dragging it 's feet since then. Sending us applications, then letters saying they received the complete packet, then letters saying that packet is incomplete, letter after letter! Finally after these years of receiving letters of offers, declines, letters time after time notifying us of incomplete applications, and during all this time always giving us yet another new representative. Letter dated XX/XX/XXXX stating 'our account may be eligible for the following loss mitigation options, subject to servicer or investor approval : Refinance your account with another lender, Modify your account terms with Green Tree , Receive a payment forbearance temporarily, which gives you more time to pay your monthly mortgage payments, etc. Letter dated XX/XX/XXXX states that we " may be eligible for the Home Affordable Modification Program ( HAMP ), part of the initiative announced by President Obama to help homeowners. '' Mailed a complete application XX/XX/XXXX. XX/XX/XXXX submitted yet another application. XXXX XXXX, XXXX Sent handwritten letter to XXXX and loss mitigation dept showing expenses and reasons for hardship along with another application. Received letter dated XX/XX/XXXX stating Green Tree is " unable to offer you a Home Affordable Modification because your loan did not meet one or more of the basic eligibility criteria of HAMP. Reason box checked was " We service your loan on behalf of an investor or group of investors that has not given us the contractual authority to modify your loan under HAMP. '' XX/XX/XXXX received a letter stating that our application for loss mitigation assistance " is incomplete because we have not received all of the documentation to complete the evaluation. '' I HAD sent a complete application! They stated what was missing. I resent the stated information. Letter dated XX/XX/XXXX stated that a submitted loss application was yet incomplete. XX/XX/XXXX received a letter of yet another account representative. A few days later, received an undated letter stating that to better service us " GREEN TREE SERVICING LLC AND DITECH MORTGAGE CORP will combine to form Ditech Financial LLC, known as Ditech, a XXXX XXXX, effective XX/XX/XXXX. Continued to work with our mortgage company to get this resolved. XX/XX/XXXX letter received stating that application was incomplete. received XXXX applications dated XX/XX/XXXX with letter stating we may qualify for assistance. Then XX/XX/XXXX received letter stating that we did not qualify because " the investor, investors did not give contractual authority to modify under HAMP ''. XX/XX/XXXX received a letter stating that yet another application was incomplete, I have copies showing a complete packet. XX/XX/XXXX letter states that they received a complete app. XX/XX/XXXX letter states that by way of income we do not qualify, income was stated incorrectly, filed an appeal letter dated XX/XX/XXXX they received our appeal and we would hear by XX/XX/XXXX. Letter dated XX/XX/XXXX stated that our app was incomplete. Emailed the requested information. XX/XX/XXXX received letter of denial due to income being sufficient. They had figured our income plus our food assistance of {$XXXX} ( which was grossed up by 125 % per investor guideline to {$XXXX} ). Letter dated XX/XX/XXXX states that we may be eligible for the following loss mitigation options : Modify, sell our home or refinance our loan. Letter dated XX/XX/XXXX states another new representative. Received letter dated XX/XX/XXXX stating received app for loss mitigation but app was incomplete, with no letter stating what was needed. This nightmare is still continuing!
12/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80904	Web
When Ditech bought my mortgage from XXXX, trouble started.Many calls and lots of frustration about incorrectly posted payments, escrow record problems and etc. Customer reps seem indifferent and do n't resolve the problem. I would refinance but my house is paid for in a couple of years.Possibly the worst company I have dealt with in my life. My loan was sold from XXXX to Ditech soon after a death in the family ( my ex-husbands suicide ). I have sent death certificates ... divorce settlement papers ... every document needed to get my deceased ex-husbands name off the loan and yet they continue to send me documents with his name on them monthly and my wrong name too ... sometimes XXXX to XXXX times a month years after his death. This is very disturbing considering I have children who get the mail and it is very disturbing seeing his name and my old married name on the envelopes. Trying to pay for a home due to death and having more financial burden than I should, I became late on payments. I have since re-married and we are still experiencing financial difficulties. I just want simple changes made to the mortgage ... like just my name on the deed and explanations as to why and where they are shifting my payment monies to and finally ... why my monthly payments continue to grow without explanation. Ditech calls me all hours of the day, talking nasty to me, acting like I am a criminal. Reps are pushy and rude. They even call me from different numbers because I started avoiding their calls. I called once I knew exactly when I could pay and was told that unless I was paying " today '' to just mail my payment. Some of the payments have been " lost in the mail ''. I get off the phone and XXXX minutes later another phone call from Ditech. I 'm now past due and they act like it 's been months. I bet they 've called me over XXXX times in the past week. My payments have shot up over {$150.00} in the past year with no explanation as to why. Unexplained added fees and taxes have been added also based upon sales tax and escrow accounts. Very unprofessional, rude, mean, nasty, customer service. The worst I have ever experienced. I think if this company is not stopped they will continue to take advantage of the middle class people and drive people from their homes just so they can make a quick profit. These people are crooks. To make a payment over the phone costs {$20.00}. If you mail it magically gets lost or detained every single month so they can charge a late fee and they wo n't let you make payments online unless you are caught up on payments. This is an awful company. I ca n't find a single satisfied customer! They add fees, makeup fees, fraudulently document charges just to keep milking you and me. Class action lawsuit - AGAIN! {$64.00} XXXX was not enough to teach them. Greentree ( XXXX ) just changed their name to Ditech ( also a XXXX ) and continued to use the same illegal practices. I 'm sure that Ditech is stealing more money from us all and committed more fraud than just what we have caught! There is not XXXX positive review about Ditech. What that tells us that they are corrupt company that are affecting our everyday lives. We all deserve justice. So instead of just ignoring the problem it will never get resolved and we will continue to be the victims of XXXX of the most horrible mortgage companies in business. Having a terrible time with this Ditech / green tree ever since they took over my mortgage they have constantly hounded me over the phone and by mail for more money every month every time I turn around I get the stuff in the mail, and it 's always for a larger amount of money. Somehow or someone legally needs to get to the bottom of this company and figure out that they 're scamming customers. CLASS ACTION SUIT!!!!!
06/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	IA XXXXX	Web	Servicemember
i have been going through my payments to Ditech aka Greentree and have noticed a major trend. whether my payments were paid on time or not, Ditech/ greentree did what they wanted with my payments as far as applying to principal, interest, forced insurance or other fees through the years causing overage in actual payments made up till i made my final payment, thank goodness i kept my payment receipts. this needs investigated. why you say, because you fraudulently changed the account prior to your bankruptcy to a new account and then saying that i owed over {$8000.00} more dollars. this has caused damage to myself and family. i paid through the nose dearly when i fell behind in payments in XX/XX/XXXX and even when i wasnt behind with this company by having neighbors called, constant harassment letters stating that your company was going to take my home constantly, representatives of your company coming to my home and giving me a hard time and threatening that your company was going to take action against me, having your representative drive by and take pics of my home. during all this harassment that i and my family had to endure you got your money, every penny but it wasnt applied like it should have been.due to your harassment i was forced into bankruptcy to keep my home and even after bankruptcy, your company 's harassment didnt stop. you took me to court saying i wasnt making my payments in which i was of {$280.00}, but then i find out that an agreement had been made apparently through my attorney that raised my payment {$33.00} a month to {$320.00} and you made me pay {$2600.00} to keep my house which only a very small amount was applied to principal in which it all should have been, because payments for the time period had actually been made. also, since i had bankruptcy, i had reaffirmed my home so that constituted a new contract, which i had signed blank in my attorneys office being naive that you would be honest with me. that money was paid by me until XXXX to end of contract. when i contacted your company Ditech for final payoff, i was informed that i still owed over {$7000.00} at which time i balked and stated my disagreement and asked for payment information for the last few years, which i never received. so again being naive, i asked for a loan modification with extension to meet your demands of payoff against my belief of being already paid. your company sent me the paperwork, which i filled out and XXXX to your office that was listed and signed off on for delivery. i was told that it wasnt receivied in time so i filed a complaint and suddenly i was given the modification for extension and a lower payment of {$250.00} a month after complaint filed with CFPB. which i paid up until i sent in payoff amount.this modification also constituted a new contract. since XXXX end of contract, my payments were marked late and invoices were also marked late. now we are headed into the fraudulent reporting of my payments. all my payments from end of original contract XXXX, under a new modification contract stated by your company had been reported as late up until my final payment of $ 1900+. by reporting my payments late when actually were received and cashed, to me, seems like fraud and intent to harm me financially. all these payments since XXXX end of contract had been marked 30, 60, 90 days up to 240 days late even when received on time, there wasnt any payment i sent that was 30 days late during the XXXX end of contract to final payment XX/XX/XXXX. if there was it was because payment was held without cause to create more revenue for your company Ditech/Greentree. i will be sending a copy of this email and also filing a complaint with the bankruptcy court. XXXX XXXX XXXX original account # XXXX unauthorized account # XXXX
05/25/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	LA 700XX	Web
To whom this may concern, my name is XXXX XXXX. My husband & I have a home in XXXX XXXX, La. We are terrified that our mortgage servicer, Ditech is forcing our mortgage into foreclosure without giving us an opportunity to avoid foreclosure. They have issued a sale date of XXXX XXXX, XXXX. We have done everything we know to do to avoid this from happening but Ditech insists on taking this into foreclosure because of our substantial equity position. We owe approx. XXXX and our home is currently valued at around XXXX. My husband has some XXXX illnesses which, at this time, the doctors are unable to diagnose exactly what is wrong with him. His XXXX is XXXX at this time and compounded with the XXXX of losing our home is putting his health and our family in feelings of hopelessness. Since we got the loan in XXXX, this mortgage has been bought, sold, transferred, mishandled, mismanaged and now steered into foreclosure by Ditech for no other reason than greed and intentional manipulation of documentation submitted over & over by us. The loan was originated by XXXX, XXXX XXXX XXXX ; their CEO still sits in a federal prison. It was transferred to XXXX XXXX, and although appearing to be defunct, The name " XXXX XXXX XXXX '' still appears on the monthly statement from Ditech. Different sheep 's clothing it appears. From XXXX. XXXX XXXX to XXXX to Greentree to Ditech, that 's where this debacle continues. We have been harassed and verbally abused by XXXX XXXX, Greentree and now Ditech. Fair Debt Collection Practices Act FDCPA 806, Harassment or abuse 15 U.S.C. 1692d - Ditech has been very rude and somewhat threatening when communicating with me regarding my mortgage. I do n't understand why Ditech feels the need to talk down to me or treat me so poorly. They treat me like a deadbeat and have no sympathy towards our hardship. We have sent in numerous modification packages to Ditech only to be told they did not receive or that the packages were incomplete. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' Why ca n't they keep our paperwork straight? 1024.41 ( b ) Receipt of Loss Mitigation application - " A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' 1024.41 ( b ) ( 2 ) ( B ) " Notify the borrower in writing within 5 days after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' The last time we were denied Ditech told us that the reason for denial was because of lost paperwork but they 're the ones who lost it. We have been shuffled around to different account mgrs. and now we find out that they have issued a sale date while we were still in the modification process. 1024.41 ( g ) Dual Tracking is prohibited. " Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure. The original loan was {$50000.00}. and now the balance is {$56000.00}, 11 years later. 1024.39 Early intervention requirements for certain borrowers - I do n't feel that Ditech has ever provided me with a " Fair Review Process '' for a modification, as required under the Dodd-Frank Wall Street Reform & Consumer Protection Act. We need someone to step in, contact Ditech and intervene in this obvious attempt to foreclose on our home that we love. Please help us, XXXX XXXX XXXX XXXX XXXX XXXX, La
07/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07016	Web
Well where do i begin with this company!!! I got this mortgage 2yrs ago XXXX XXXX and come XXXX XXXX i had noticed that i was charged an advanced corporate fee for {$5.00} .. I called to ask what that was and noone could give me an answer spoke to several people and said it was to check on back taxes. I said what is there to check?? you pay my taxes and all has been paid. They then told me to write to the corporate office asking to explain the fee and if it could be adjusted. Well weeks late i recieve a letter from GreenTree staying that it is a valid fee and will not be refunding me at this time. Well i called and said to the next rep how does a company return a letter stating it is a legit fee being charged and I have to pay it without explaining to me what it is?? Could n't get an anwer from her either transferred me to a supervisor who could n't explain to me either. I asked to speak to the dept that was charging me this fee and i was told they ca n't do that they do n't speak to customers. I then go fed up and just pd the {$5.00} well now XXXX XXXX came around and i see i got charged again the {$5.00} so i got a rep that said we are checking on back taxes. WHATTTT??? i continued to say you pay my taxes with my escrow account how could this be?? Well she suggested i call my tax dept and when i did I asked them " if my mortgage company is requesting copies of the tax bill and you are charging them and if so what is the fee??? '' Well got my answer {$5.00} ..so i called greentree back asked to speak to the tax dept and finally got a person that somewhat knew what she was talking about so i come to find out that my tax office in PA does not send the tax bill to the mortgage co. they send it to me and I have to forward it to Greentree. Now i had to figure that all out on my own. Out of the XXXX ppl i spoke to and the letter i recieved not XXXX person or not XXXX sentence in that letter was able to tell me that. So now it is XXXX XXXX and pay the {$5.00} up front and mailed the tax bill and was told that it would now end and would n't get another fee and not surprised i got the next month bill and sure enough they were still charging me and the month after that and the month after that well i call again and say what is going on? I get a women who said she saw where the error was getting her supervisor to work on this immediately transfers me to him and as i was explaining to him everything, he was rude, obnoxious and lauging at me and hung up on me I want to say his name was either XXXX or XXXX ... I call back and someone tells me that it will be taken care of ASAP!!!! Well i get my XXXX XXXX and it is still there i make my XXXX pmt after calling and saying what is going on explained myself for a 1 yr and 3 months and she says this will be the end of it i see the problem and will be fixed, yeah sure ok. lets see how that goes!!! Well by no surprise i get a notice from the post office that i have a certified letter there and ready for pick up XXXX/XXXX/XXXX and yesterday XXXX/XXXX/XXXX i get my regular mail and there are XXXX letters from Greentree so i open it immediately and every letter said thank you for your most recent payment of {$5.00} but you must pay {$9600.00} something like that do n't have the letter in front of me but it was definitley {$9000.00} something you are at risk of FORECLOSURE!!!!! WHATTTTT?? I call i get a rep XXXX in Texas that said I do see you make your payments and I see where they fixed the {$5.00} issue but they did something wrong here while adjusting that charge. She said i am having my supervisor look at this and should be resolved in 2 days huh!!! Lets see about that ... NOT XXXX PERSON IN THAT COMPANY IS WORTHY!! THE COMPANY NEEDS TO BE INVESTIGATED AND CLOSED DOWN BASED UPON ALL THE BAD REVIEWS..
03/31/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OH 43512	Web
In XX/XX/2016 I was laid off temporally from my employment. I notified my loan servicer Ditech and asked for a special unemployment deferment that the HUD Servicing Center told me I was entitled to due the type of loan I had. The ditech rep ran a survey and said that I was technically allowed to get a deferment for the unemployment but he was not going to process it because he did not want to see me have to make a lump sum payment. He said I could just wait it out and when I got back to work in a month or so make a little larger payments for a month or two and be caught up. Well when I went back to work I called in and was informed that unless I made 50 % of the amount due they would not be able to except any payment at all. I was unable to pay that much at that time and asked for an application for loss mitigation and was told that it I was not eligible until the beginning on the following month which was XX/XX/2016. I then applied for the Hardest Hits Fund Program through my state while waiting to be able to get the loss mid. app sent to me. They still would not except a payment. I was approved for the Hardest hits program in XX/XX/2016, and they were going to catch me completely up on my payments. They sent the file to Ditech. After a few days I contacted Ditech to follow up on the Hardest Hits Program documents that was electronincly sent over. They said they were unable to receive them. Ditech being unable to open the electronic file went on until XX/XX/2016 50 days. Up to that point I was working daily with XXXX XXXX an executive assistant to one of the directors in Texas. She was finally able to get them to open the electronic file. It was a font issue I was told. The State of Ohio was also working with Ditech to get this resolved. While this was going on I was able to receive the loss mid app. and sent in via secure upload to ditech which they lost, then by fax which they lost, then by fax two more times before they received the paper work but not my paystubs so they wanted all of those sent again. I was told to do the loss mid app by ditech to keep it from going to legal while they figured out the computer issue with Ohio. Well about 40 days into the loss mid app they finally said they had everything they needed to have a complete package. But a week later never mind they lost my paystubs please resend. All the while Ditech is having computer issues and can not open the file from Ohio. This was all going on at the same time up to this point. Once they were able to open the file they also said I had a complete package for the Loss Mitigation. Remember they said the Loss Midigation would cancel once Ditech signed the Hardest Hits Fund Forms from Ohio. Well they got the file opened but they could not sign them electronically for some reason and could not print them because of another font issue. In the mean time the loss mid went through for a hamp but with no term changes or anything with a trial payment. I said I wanted to do the Hardest Hits Fund program, they said just make the first trial payment and by the time the second came due they would have everything back to Ohio and the HAMP would cancel out. Well I made the payment and the very day it cleared Ditech solved all their computer issues but said sorry since you made the trial payment we are not going to allow you to do the Hardest Hits Fund Program now. Ohio had been working with Ditech and had an agreement that when everything on Ditechs end got worked out that they would waive all the late fees that were building up, and they would back date my credit report payment history to show current from XX/XX/XXXX forward. All this is documented in writing with the Ohio Housing Authority and they told me to contact this agency to see if you could help get a resolution.
06/08/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75243	Web
In XXXX I contacted my mortgage service provider ( Ditech Financial LLC ) about the requirements to cancel my PMI. They informed me that if my home appraises over 20 % of the loan value I would be able to cancel my PMI. They instructed me to submit a request in writing to cancel PMI, and agreeing to the {$500.00} appraisal fee. I was also informed that this process should only take two weeks from the time the request is submitted. I submitted this documentation both in printed and hand written form during the 3rd week of XX/XX/2018. I received a letter saying that I had not filled out the correct paper work, and my request was being denied. This was the first mention of specific paper work or additional forms. I promptly submitted the newly informed correct forms, and an inspection took place in mid to late XXXX. Weeks later ( only after I followed up ) I was informed that the home was appraised at over {$220000.00}, which was {$5000.00} over the {$210000.00} minimum amount required to cancel the PMI. I still have not received a physical copy of the appraisal, and I only received a digital copy after demanding from a supervisor at Ditech. However the request to cancel PMI was still denied. They sighted a " lack of structural improvement ''. I pointed out that 100 % of the flooring in the home had been replaced, a wall between the living room and dining room had been replaced, some electrical had been updated, new water heater, new HVAC and the entire home had been updated with LED lighting. They requested I provide documentation of these updates. After submitting over {$30000.00} worth of home improvement invoices, I have been informed again that my request to cancel PMI has been denied. When asked why, they said " the improvements to the home was not the cause for the increase in value ''. They also informed me that these decisions to deny PMI approval was directed from the loan owner, XXXX XXXX. I spoke a representative at XXXX XXXX, who escalated this issue. Both the original contact and the supervisor informed me that all customer documentation and communication needs to go through my service provider, Ditech. Even after I informed them that Ditech directed me to speak with XXXX XXXX, they said Ditech would still need to be the point of contact, but they would escalate the issue. I have now reached back out to Ditech, and requested justification for denying cancellation of PMI. I specified saying I would like to see the finical report, guidelines, and mathematical break down of why my request was not approved. I also suggested they call out exactly where in the contracts I signed that I have agreed to these terms. As a paying customer I feel I have rights to this information about my account. Ditech has continued to under inform me each time I requested information, and I feel is intentionally dragging their feet to resolve this issue so they can continue collecting fees from my PMI. This process has now been ongoing for 3 months, and I have spent hours of time on the phone with them as well as spent hours of my own time finding and submitting additional documentation. At each turn point, I have met every single individual requirement requested to cancel PMI, and each time Ditech responds with a new detail required, without providing and proof of process, or a defined list of requirements and regulations to cancel PMI. The most frustrating part of this process is that I did not agree to work with Ditech, but I am forced to because they purchased my loan. If I was not financially trapped in this business relationship I would terminate it. I would also like to add that I have submitted several negative customer service reviews to Ditech, which have not been posted on their website review, nor have they responded to.
04/22/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MN 55305	Web
My mortgage loan was discharged in bankruptcy several years ago but we continue to make payments and plan on staying in our home. In XXXX, XXXX XXXX sold our loan to Green Tree Servicing. We are able to make our monthly payment once per month, however, had to miss a payment many months ago due to an unexpected expense. We continue to make one payment per month but the payment being made is for a previous months payment ( i.e. pay XXXX payment in XXXX ). We hope to be able to come up with extra money to make two payments at one time but that has n't happened yet because my husband 's income was cut dramatically a couple of years ago so we 're just able to meet our monthly expenses with little to nothing left over. XXXX servicing was great about this. I spoke to them a couple of times and they were very helpful. However, once Green Tree took over it was totally different. The paperwork was the same with the standard notices and options being mailed to us but that is where the similarities end. I received a phone call at work from a rep at Green Tree Servicing which I could not believe. I 'd never been called at work by XXXX and understandably so, because our mortgage was discharged in bankrupty and I had communicated with XXXX our situation. I advised the rep I could not speak at the moment and would call back. I then called back when I could go somewhere to speak freely. When I called to explain our situation I could not believe my ears. The rep was abrasive and even said I was being non chalant about making payments and that how we were handling our account was not acceptable. Remember, our mortgage was discharged in bankrupty so GT is not even supposed to be trying to collect on the debt. She stated that was probably why XXXX sold our loan to GT ( yeah, right ). I explained to her our situation and that XXXX had all this information in our file but she said they have no information from XXXX regarding communications between them and me which makes no sense at all. I was so upset about the way I was being spoken to I asked to speak to the rep 's supervisor. He was no different and actually made a comment about how people in this country need to understand when they have a mortgage loan they are obligated to make their payments. Again, my mortgage was discharged in bankrupty and I explained we 're basically living on one income and I thought were doing pretty well considering. During that first conversation with the GT rep she stated she would remove my work number so they would not call me there but they have called me at work again. I do n't answer because I have caller ID and can tell it 's them by the number. They also call us at home several times per week during the day and in the evening. We have our ringer off and the calls go to voice mail but the number of times they call is ridiculous, especially since they know our situation and should not be trying to collect any money in the first place. I 'm in the XXXX and used to work in XXXX back in the XXXX so I understand how collections should work and what my rights are. What really gets me is I just read today, XXXX/XXXX/XXXX, how Green Tree just settled with the FTC and you, the CFPB over allegations they were engaged in illegal debt collection practices ( and other things ). I had thought about reporting my situation to you after this all happened but never did however when I read about the settlement I knew I had to share this with you because THEY ARE STILL DOING IT!!!! And, my mortgage was discharged in bankruptcy. I ca n't imagine how they treat folks whose mortgages are n't discharged but who are behind 1-2 payments. I no longer answer Green Tree 's calls and wo n't be calling them, that 's for sure, but wanted you to be aware they have not changed. Thank you.
08/22/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 279XX	Web
On Thursday XX/XX/XXXX, I called Green Tree XXXX to ask what type of modification was available for my loan in response to a letter dated XX/XX/XXXX from Green Tree XXXX. This had been issued because I asked who the " investor '' was on my loan after being denied a HAMP that I had n't applied for. I asked for extension XXXX XXXX XXXX as indicated on my letter as my assigned single point of contact. I was told that extension was invalid and my point of contact was XXXX. I asked told XXXX about the letter I received and asked XXXX things XXXX ) Who is my lien holder if Green Tree is only my servicer -- XXXX stated that she could n't tell me that. When I asked why she said that Green Tree services for a lot of companies and asked who I signed my mortgage documents with. I told her I signed with XXXX who was bought by Green Tree and therefore Green Tree should be my lien holder and she said they were n't. She could n't tell me who my lien holder is or who the " investor '' is. But she did tell me that if I do n't make my payments ( which by the way I gave no indication that the XX/XX/XXXX payment would not be made ) that Green Tree will take my home. 2 ) What type of alternative modification is being offered by the " investor ''? XXXX told me that my loan is not eligible for any type of modification because it is a mobile home. Then why did I get this letter? That letter is just a form letter that goes out to people like credit card companies send out letters offering credit cards and just because you are preapproved does n't mean you 're going to get the credit card. Excuse me!!!!! No, these letters do n't just go out to people! XXXX indicated that it was simply system generated! Then why was it dated on XXXX well after my deferment was completed? It was just spit out by the computer XXXX indicated. So if I complete the packet that was included and return it you 're telling me I 'm wasting my time???? XXXX says yes -- because you ca n't get any sort of modification because you have a mobile home. What???????????? The exchange between XXXX and myself was less than pleasant, I do not appreciate the tone with which I was spoken too. Nor do I appreciate XXXX 's lack of willingness to answer my questions without basically telling me that there is no modification available even though I have a letter in front of me that says there is! XXXX then proceeded to take information to submit for a possible modification. Does XXXX have any clue what she is doing??? She tells me that no modification is available then says she will submit for a short term rate modification???? When asked how short term is short term she said she could n't tell me that. What can XXXX tell me????? XXXX tells me that she has to verify that my lot rent is current. Mind you this was just done in XXXX by XXXX XXXX when I got the deferment. XXXX says that this has to be done every 30 days! No it does n't!!!! I have had this loan for 14 years, been in difficulty before and it never had to be verified every 30 days before!!!!!!! I also XXXX the mobile home park where my home is for 8 years -- I did not receive phone calls from Green Tree every 30 days!! I have been trying to get this loan modified since XX/XX/XXXX with no success - just deferrals of payments to the end of my loan. XXXX needs retraining! Her attitude and refusal to offer or disclose information violates FTC & CFPB regulations. When I called the XXXX number on the letter, I spoke with XXXX -- who was VERY helpful, indicated that they received documents from me and would be working on a permanent rate modification ( Which XXXX said did n't exist ). XXXX also told me that Green Tree holds my mortgage -- not just services it. Surprise! I more or less knew that but XXXX could n't tell me that?!?!
06/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80260	Web
I purchased a condo on XXXX XXXX, 2015 closing my loan with XXXX XXXX XXXX meeting all the necessary requirements including hazard insurance coverage. On XXXX XXXX, 2015 ( date of letter ), I was notified that my loan was transferred to Ditech Financial LLC. On XXXX XXXX, 2015 ( date of letter ) Ditech sent a letter titled " Need Hazard Insurance Premium Payment Information Escrow Account. '' The letter essentially requested that I provided my hazard insurance policy, premium, and account information. On XXXX XXXX ( date of letter ), I received another letter from Ditech requesting hazard insurance policy, premium, and account information. I called XXXX XXXX and requested that a declaration page be sent to Ditech and that the declaration page should list my loan number as requested by Ditech. Within the XX/XX/XXXX, XXXX XXXX attempted unsuccessfully to reach Ditech on my behalf due to tele-prompts and authentication steps. I obtained the information from XXXX XXXX and forwarded the information via USPS to Ditech using the address provided. On XXXX XXXX ( date of letter ), I received yet another letter from Ditech with the subject line reading " The Evidence of Insurance Coverage You Provided is Inadequate. '' In this letter, Ditech now describes what they were trying to obtain in the first place which is my Condo 's XXXX, which was provided initially when I closed the loan and should have been obtain with the service transfer. On XXXX XXXX ( date of letter ), I received a second notice from Ditech requesting insurance information. On XXXX XXXX ( date of letter ) I received notice that Ditech lender placed hazard insurance with Green Tree Insurance agency, dating back to XXXX XXXX, 2015. After numerous back-and-forth calls, I contacted my HOA and the Condo 's insurance carrier and obtained a copy of the XXXX declaration page citing coverage all the way back to XXXX XXXX, 2015 and faxed it to Ditech using their emergency fax line on XXXX XXXX. On XXXX XXXX ( date of letter ), I received a letter from Ditech notifying me that the lender placed insurance was cancelled. My XXXX statement ( dated XXXX XXXX ) showed my XXXX payment the same. However on XXXX XXXX ( post lender placed insurance cancellation ), I receive a statement from Ditech with an increase to my monthly payments ( adjusting my escrow amount ). I then received addition statements with increasing payments. I continue to make my normal payments and called Ditech numerous times -- all to no avail. On XXXX XXXX, I requested a full audit of my account and was told this would take 60 days. I continue to make my regular on-time payments. However, I noticed my payments were not being applied to my account on-line. The payments were being placed in some " un-applied funds '' account. I called Ditech to discuss. They assured the audit is in place and no negative credit report would result. On XXXX XXXX, I checked my credit profile and discovered that Ditech reported me late for 60 days, crushing my credit score. On XXXX XXXX, I called Ditech and was told I could dispute the late payment reporting with each of the credit bureaus. As of XXXX XXXX, my payments have not been adjusted and the audit is still at large. But I do see that Ditech is now selectively applying funds from the " un-applied funds '' account. Again, throughout this entire debacle I 've may every regular payment and on-time. I simply want my payment amount to return to where it should. Secondly, I want the negative credit reporting removed from my credit profile. And lastly, I 'd like to cancel escrow altogether with Ditech and pay my interior condo insurance and property taxes on my own. Given the nature of this complaint this impacts the mortgage servicing of my loan AND fair credit reporting.
01/28/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	IN 46205	Web
In XXXX of XXXX, I became aware that my local accessor 's office was assessing my property tax rate at double what I should be charged. On XXXX XXXX, XXXX I was given an escrow letter, reflecting that my tax liability for XXXX was XXXX, rather than XXXX that I had previously been billed. I was refunded the overpayment that had been made to the county. On XXXX XXXX, XXXX, I called Ditech ( account XXXX ) and asked how to update my escrow information. I sent my letter via fax. It has been confirmed several times that Ditech received that letter in XXXX. My escrow and payment amount was not updated. I requested an escrow analysis in early XXXX. I received a check for overages in my escrow account of nearly {$1200.00} dollars, but neither my tax amount or payment amount had been adjusted to reflect the changes in my tax amount. XXXX XXXX, XXXX I spoke to Ditech 's tax department and spoke to XXXX. He said that the taxes likely had not been updated because the escrow letter had not reflect the bi-annual amounts the mortgage company pays. They would contact my assessors office and then update. This process would take 21 days. On XXXX XXXX, XXXX, I called back. I was told that a note was made on my account on XXXX XXXX, XXXX that someone had contacted my assessors office, had been told my XXXX taxes had not been issued yet. The task was closed out. This did not address my issue. I was told that my account would be manually updated, and again it would take 21 days. On XXXX XXXX, XXXX and spoke to XXXX. She indicated that she could see all of this in the notes, but was not sure why no action had been taken. She sent a note to a supervisor and the escalations department. She said to call back Monday or Tuesday for an update. I called back on XXXX XXXX, XXXX. I spoke to XXXX, who told me that he could not do anything because escalations take 3-5 days. I asked to speak to a supervisor. I was sent to XXXX XXXX. He told me my taxes had been updated in one system, but that he would have to have it updated in a second system to correct my escrow and my payment amount. We discussed that the amount of my taxes was updated to {$700.00} bi-annually, rather than the {$730.00} that should have been update based on the letter sent from the assessors office. He assured me this would be fixed and that I would have my new payment amount prior to XXXX XXXX, XXXX. On Thursday, XXXX XXXX, XXXX, I called for an update, and spoke to XXXX. Nothing had been done on my account. After an extended amount time on hold, I was sent to XXXX XXXX 's voicemail without comment. I left a message with my information and phone number and request a return call. I never heard from XXXX XXXX. On XXXX XXXX, XXXX, I talked XXXX. I was told that the tax amount still reflected the incorrect {$700.00} amount, but that she would send me to customer service to update my account anyway. The customer service agent told me my account would be updated in 5-8 business days. I was told as a matter or certainty that I would be able to pay my new amount before XXXX XXXX, XXXX. On XXXX XXXX, XXXX I called for a status update. I was told by XXXX that my escrow had been updated on XXXX XXXX, XXXX. That I had been sent a check for {$700.00}, and that my new payment amount was update to {$870.00}, but would not be effective until XXXX XXXX, XXXX. I explained that I had been assured several times that I would be able to pay the new amount in XXXX. She promised to get it updated and follow up. She called back about 20 minutes later to tell me that a new escrow analysis would have to be performed to update my payment, that this would create a shortfall, and that my payment would go back up. I said no. I made my payment of {$990.00}, so that I would not be penalized.
08/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30066	Web	Older American
Green Tree Servicing and Mortgage ( GT ) has put me in a vise. They have fraudulently billed me for a debt I do not owe, and have filed a complaint to at least XXXX credit bureau, making it impossible for me to contract with another mortgage company. At the same time, GT is refusing to apply my on-time mortgage payments until their completely-fabricated debt is paid. I have provided GT with proof that this debt is not owed. I am now half-way to the number of days, of non-applied payments, before GT can foreclose on my home. I sent these non-applied payment, on time, to GT via certified mail. I have owned XXXX homes and have never been late with a mortgage payment, insurance payment or taxes. I have never had the least problem with a mortgage holder before GT. On XX/XX/XXXX, XXXX XXXX sold my mortgage to GT. On XX/XX/XXXX, GT billed me for {$1300.00} with no explanation other than " for expenses. '' I responded with a letter asking for an explanation and itemization of expenses. I got no response from GT, so I followed up with a similar letter in XX/XX/XXXX. In a letter dated XX/XX/XXXX, GT stated the amount was for insurance paid by my previous mortgage servicer. It is ridiculous to imagine that my previous servicer, XXXX, would have covered such a debt and never mention it to me. If GT is trying to use the {$1300.00} to establish an escrow account, to which I never agreed, they are ignoring my mortgage contract, which contains an escrow waiver. To supposedly substantiate their claim, that I own them {$1300.00}, GT enclosed a GT-generated spread sheet with a highlighted line. The only thing on the line was date XX/XX/XXXX, and a negative - {$1300.00}. I responded with XXXX XXXX Declarations Pages, which is incontrovertible proof of my on-time insurance payments since owning the home. In my correspondence, I referenced my mortgage contract waiver for an escrow account. GT has a copy of my contract. I sent the correspondence and Declarations Pages to GT via certified mail, as I have all my correspondences to GT. They DID receive the evidence. They NEVER acknowledged it. GT continued to bill me for {$1300.00}. Each time I received a bill, I responded that they already have proof of on-time, monthly insurance payments since owning my home. I discovered, XX/XX/XXXX, that GT filed a complaint with at least XXXX Credit Bureau, stating that I have an outstanding debt of {$1300.00}. Before this bogus complaint, my average credit score, among the XXXX major Credit Bureaus, was XXXX. Despite a lifetime of developing good credit, Green Tree 's complaint makes it impossible for me to get another mortgage company. My XX/XX/XXXX statement from GT included the legitimate XX/XX/XXXX payment amount, a fee of {$25.00} ( towards the {$1300.00} they fraudulently claim I owe ), and an illegitimate charge for my XX/XX/XXXX payment, with a late-fee added. As with all my mortgage payments, all my life, the XX/XX/XXXX payment was made on-time. On this XX/XX/XXXX statement, GT stated they are not applying my mortgage payments until I pay the {$1300.00}, or make payments towards that debt. They made this non-application retroactive to include my XX/XX/XXXX payment. In Georgia, foreclosure can occur after 120 days of non-payment of mortgage. At the time I received this XX/XX/XXXX statement, I was already half-way to the time required, before GT can foreclose. I sent the XX/XX/XXXX payment with a demand that they apply the XX/XX/XXXX and XX/XX/XXXX payments. I did not include the {$25.00}, towards the {$1300.00}, because I can not agree that I owe it. Green Tree 's practices are fraudulent, exploitive, and have done deep damage to the lives of many people. Even more disturbing, is that they seem to get away with it. Something is very wrong!
09/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20721	Web
XX/XX/2016 - Seen a vacant notice on my door, was instructed to call Ditech. XX/XX/2016 - XXXX called Ditech to request no more vacant notices be placed on my door because my home is occupied. Also requested an address to put in writing. Initially I was told there was no address to send a request, after rephrasing my question a couple of times I was placed on hold and later given the address of XXXX XXXX SD, XXXX to send my request. I was told my account was two months overdue. As the conversion continued I agreed to two payment arrangements 1 ) {$440.00} ( draft ) + {$400.00} ( escrow/held ) dated for XX/XX/2016, and 2 ) {$840.00} ( draft ) conformation # XXXX dated for XX/XX/2016. XX/XX/2016 - XXXX Left for vacation. XX/XX/2016 - XXXX returned from vacation and found the following : Garage door jamming, would not open. The original locks on my front door removed and replaced with new locks and a lock box. A notice on my front door instructing me to call XXXX XXXX. I spoke with XXXX service rep XXXX, was told she needed permission from my mortgage company Ditech before giving me access to my home, and asked me if I had a place to stay for the night. After being placed on hold, I was informed there was no answer from my mortgage company. XXXX placed the call on a second hold, upon returning, XXXX apologized and stated, it was obvious my home was occupied after reviewing photos taken from inside, she seen clothing hanging on the door, an ironing board setup in my bedroom, and food in the refrigerator and freezer. XXXX told me she would grant me access to my home. I was given the lock box code along with instructions on opening the box, what I would find upon reentering my home, and scheduling a contractor to do a " reversal '' which entailed changing the locks on my front door again. XXXX told me I would find the food I purchased in my refrigerator and freezer gone and cabinet doors and drawers open. This was exactly what I found along with mini blinds and front door damage, tool box, underwear drawers, and bathroom personal hygiene products in disarray. XXXX - I made a second call after reentering my home and spoke with XXXX concerning problems with my garage door not opening. XXXX made a request for an appointment to have my garage door repaired. I was given a reference #, and told I would hear from the gentleman who made changes to my garage door, no call or message received. Was told my home was entered twice, once on XX/XX/XXXX and a second entry on XX/XX/XXXX. XX/XX/2016 - XXXX spoke with XXXX rep XXXX concerning lock changing and garage repair, was told I had an appointment scheduled for XXXX XX/XX/2016. XXXX - Received a call from XXXX XXXX a XXXX subcontractor. Informing me he was outside my home. I was at work at the time and asked if he would wait 25 minutes, he agreed. XXXX XXXX and associate XXXX replace the XXXX front locks ( less sturdy ) and repaired my garage door by taking a pair of pliers and bending my garage door track back in place. XXXX - Called my mortgage company Ditech spoke with XXXX, asked why Ditech had XXXX to enter and change the locks on my home. I was told the following : My previous account manager XXXX authorized the " Re-key site visitation '' on XX/XX/2016 because the property was vacant. XXXX informed me XXXX thought the notes he added to my account per our conversation on XX/XX/2016 would stop the " Re-key '' but it did n't. XXXX also informed me Ditech would not grant me access to my home until my account was current/payment made. XX/XX/2016 - XXXX my doorbell rang it was XXXX XXXX from XXXX XXXX XXXX ( subcontractor for XXXX ), another attempt to harass me. I told her she was trespassing and sent her aways. I also contact the attorney general 's office
05/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28348	Web
There was a modification done on my house earlier this year through Ditech. I have been making my regularly scheduled payments with my attorney guiding the way.Once the modification was complete my lawyer was no longer involved with speaking with Ditech and that 's when they began doing a lot of unethical things. Ditech has been the most difficult company to deal with. I made a payment XXXX/XXXX/2016. I set up the payment through bill pay with my bank. Ditech claimed that they never received the check. Therefore I made a payment online with Ditech. After consulting with my bank they stated that Ditech was paid and placed a stop payment on the funds that I initiated through Ditech 's site. I called Ditech and spoke with XXXX and his supervisor XXXX. I was lied to numerous times. XXXX stated that they never received the money from my bank and that the funds that were stopped by my bank was due to an NSF. I got a fax number from her and had my bank to fax the information over to her however XXXX claimed that she never received the paperwork. I ended up allowing them to draft my account and they ran the payment three times which caused several problems with my bank account. XXXX told me that I could still use the bill pay with my bank but the payments would need to be made by the XXXX of each month to ensure that there were no late fees. So I set everything back up with my bank and waited for confirmation on XXXX 's payment being made on Ditech 's site. Finally XXXX XXXX rolled around and according to Ditech 's site they still had n't received payment. So on XXXX/XXXX/16 I called back and spoke with both XXXX and XXXX again it was the same situation. XXXX told me that the payment would had to be made by the XXXX not to incur any late charges and they had n't received anything from my bank. She in return stated that if my bank would fax her where the withdrew the money from my account she would erase the {$16.00} in fees. The following day I went to my bank and they faxed the paperwork. My bank also suggested that a cashier 's check be sent off with tracking from the post office since Ditech denies getting the funds. So we got the cashier 's check and proceeded to send everything off. I received confirmation from the post office that the check was signed for on XXXX/XXXX/16. Ditech did not post my payment so I waited a few more days. Finally on XXXX/XXXX/16 I called Ditech and spoke to XXXX and he said that they never received a payment from me, he basically told me that I was lying about sending the payment. I told him that the envelope was tracked and they did receive it. I faxed off a copy of the cashier 's check stub, the receipt and confirmation from the post office and called them back within 30 minutes of sending the fax. I was left on hold for about 20 minutes and XXXX came back to the phone and said that they had researched it and that they had lost my payment but they found it and it would be applied. XXXX was put on the phone and she apologized and stated that she would back date the payment to XXXX. When I checked my account with them the next day they posted my payment for XXXX. I called XXXX back because she did n't do what she said as far as removing the fees and posting the payment for XXXX. Now she will not return my call. My payments are normally {$590.00} and now they have this month 's payment set at {$620.00} because of all of the fees that they have racked up on my account. They have lied about receiving my payments and my bank has supplied everything to them that shows when the payments were sent. I have been charged late fees that I do n't owe. I think this is a scheme to get more money out of people. I have paid my payment on time and they have refused to post it when they receive it.
02/10/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AL 36116	Web
I have filed a number of complaints with your company concerning GreenTree/ Ditech and absolutely nothing is been done to correct my account and the horrible practices the company is using. As explained before I was receiving assistance with my mortgage previously before my loan was transferred to Green Tree. Once my loan was transferred to GreenTree in XXXX XXXX I advised them to update my account because I no longer received assistance and this information was updated by XXXX the previously lender. I have contacted a number of people within this organization advising that I do not receive assistance but it 's like talking to a brick wall. On my statement it was listed that my payment was {$230.00} and that I receive subsidy for {$310.00}. I make my entire payment of {$550.00} each month with no assistance. I have been waiting for XXXX XXXX mortgage interest statement and as on XXXX/XXXX/XXXX have not received this document .Upon calling Ditech on XXXX/XXXX/XXXX inquiring on the XXXX XXXX I was told there was a delay in those statements printing. That 's not the issue, my issue is that the rep advised that my interest was {$390.00} for XXXX. There is no way possible that this is correct. I have been making a payment of {$550.00} for 12 months and after viewing my monthly statement dated XXXX/XXXX/XXXX the interest paid to date at that point was {$3500.00}. How do you go from {$3500.00} to {$390.00}? No one at this company has the knowledge of explaining this to me how this is possible. I was advised by XXXX a Manager and XXXX a Team Lead ( not sure what region or branch ) to fax something stating that I no longer receive assistance and my account would be coded correct and XXXX revised and sent to the IRS and myself. As requested I faxed a letter from The Montgomery Housing Authority on XXXX/XXXX/XXXX stating that the last subsidy payment was made XXXX/XXXX/XXXX. I have called a number of times since then and confirmed on XXXX/XXXX/XXXX that the letter along with a statement voiding the cease and desist be lifted so that contact can be made during this time so that I can have a update once my account has been updated. As of today, I have yet to receive a call from Ditech and when I called today the rep advised that a Supervisor advised there has n't been a decision made on my account. It 's not up to this company whether they decide to correct their wrong, I 'm demanding this be correct. This has to be against the law.I have also been advised because of this XXXX up on Ditech 's part my account was reported 30 days past due to the credit bureau because of the issues going on and the way my account tis coded. I make my payments by the close of business each month via online and have never been 30 days past due. My payment of {$550.00} is sitting in a unapplied account as we speak but Ditech drafted my account on XXXX/XXXX/XXXX. This needs to be corrected ASAP there is no more room for error with this company. The VP of the horrible company needs to be advised of the service that the company that he/she represent is presenting. My loan has been transferred 3 times and I have NEVER had any issues until now. I need my account coded correct because I do not receive assistance, I need my XXXX XXXX correct because I need to file taxes and would appreciate the correct information to give to my tax preparer. This has taken a toll of me emotionally and this is unacceptable on all levels. This is the final dispute I 'm filing, the next time Green Tree will be hearing from my attorney. I plan on suing this poor excuse of a company for all the little that they 're worth. This is fair to homeowners but I promise once my attorney is finished with them they 're going to wish they responded in a timely manner. Thanks
10/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 773XX	Web
We have been corresponding by certified mail with Green Tree in regards to Green Tree Account # XXXX. We were not unable to pay, we just needed verification from Green Tree of lawful right to collect on debt and so as of XXXX, 2014 payments were held on the account until the dispute is resolved. Green Tree never stopped collection activities the entire time even though we were in dispute. Since XXXX 2014, I have sent close to XXXX Qualified Written Requests to Green Tree CEO, President and Customer Service Representatives by certified mail asking for valid documentation that I may verify they have the lawful right to collect a debt from me. Attached Exhibit A are some of the letters asking for valid chain of title, certified copy of endorsed original note, etc., to prove that they are holder in due course and a party of interest. We tried to solve this administratively through letters and Affidavit of Truth requiring Green Tree to provide the documentation to verify their claim. They never answered any of our Affidavits or provided us with the necessary documentation that would verify their claim. The President and/or CEO never responded. The Customer Service Representatives sent many letters, and other papers, but did not provide to me verifiable proof ; never provided any legal debt verification. All of their correspondence indicated they were sending me proof but that they were not going to provide what I asked for. A certified copy of the original document was never provided to me. Since I was not given opportunity to inspect the original note as provided in the Uniform Commercial Code, they have not shown me valid beneficial interest or standing to foreclose. They sent a barely readable photocopy of a note. GreenTree was not a party on the note, and there was no endorsement and No loan funding detail records were provided that would prove I ever received any money or loan. Green Tree was collecting payments two months before they were " assigned '' the loan from XXXX XXXX XXXX. Green Tree admitted that they are a XXXX party collector, only " servicing '' the loan for XXXX and never purchased, owned, or held any interest in the note ; that a deed of trust was assigned to them ( which bifurcated the note and deed, rendering the deed unenforceable as a security instrument ) Since Green Tree was collecting, Green Tree should provide the documentation which was requested in all of the several verified written requests we sent and they received by certified mail. Green Tree has foreclosed on our property without proof of claim or due process of law and while we are still in dispute. They foreclosed non judicially, without a court order, depriving us of due process and our right to defend in court and our right to verify their claim. Our property was " sold '' at an " auction '' and a deed was recorded at XXXX XXXX with no notification or proof that there was ever a sale or that they had the right to sell at all. Other than the courtesy notice sent to us by XXXX XXXX recorders office, and our tenant renting the house telling us she was threatened with an eviction, we the owners of the property were never notified of the sale. Additionally, we being the Grantors, did not authorize a change of Trustee but it was changed to XXXX XXXX XXXX. XXXX XXXX XXXX have been notified of the dispute and the fact that Green Tree has been in dishonor, violating state and federal laws but XXXX still proceeded to administer a Trustee sale and granted, even though they 're not the Grantor, and sold the property to XXXX, alleged owner of the loan for amount of the balance of XXXX which apparently was paid to themselves. There is no record that XXXX loaned us money and no record that XXXX purchased the alleged note.
08/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OR 97219	Web	Older American
This is issues we are having with Green Tree Servicing LLC. Our house is located in XXXX Oregon and we are presently scheduled to attend a mediation conference administrated by the State of Oregon, on XXXX XXXX, XXXX. Green Tree Servicing is the sub servicer and XXXX XXXX XXXX servicing is the Master servicer. Since XXXX XXXX, we have been attempting to obtain certain mortgage documents for our review for the scheduled meeting. As of XXXX XXXX XXXX, we finally received the documents for our files from Green Tree servicing. However, the majority of what they sent, are not usable or do n't pertain to the requirements outlined by the State of Oregon in what was expected from the beneficiary. Since XXXX XXXX we have sent several QWR ( I have attached my copies ) and Green Tree has n't addressed the issues in which we have outlined and were very specific on the errors concerning our mortgage loan. We have been in our home since XXXX and this current issue started after we received a refinance loan in XXXX XXXX that was transferred to XXXX mortgage for servicing in XXXX XXXX. Everything was paid as agreed until the economic crisis that started in XXXX. In the spring of XXXX, we inquired to XXXX about getting our payments reduced in order to stay current with our mortgage loan. During the spring and summer, XXXX indicated they were willing to do a loan modification and in XXXX and XXXX of XXXX, we attempted to get things competed. During those two months, XXXX added our past due property taxes to a TARP modification and at the end of XXXX of XXXX, created a modification that added those past due amounts to our principal mortgage loan. The problem with our payments still existed, since the property taxes were added, but the payments were n't reduced and the XXXX rate still remain the same as what we had on the original loan in XXXX XXXX. So we continued to ask for a reduction in payments and interest rate. XXXX did review again and in XXXX XXXX, we received a Step Rate modification loan that reduced our payments from {$4100.00} to {$2500.00} per month. We signed those documents in XXXX and our first payments were to begin on XXXX XXXX. XXXX added interest expense for XXXX, XXXX and XXXX of XXXX. That increased our principal balance by around {$12000.00}. During that same time frame, XXXX was purchased by XXXX XXXX XXXX and that 's when everything started going downhill. When we made our payments starting in XXXX XXXX, we noticed that the payments were posted as " Misc Adjustment '' on our monthly statements we received from XXXX and then XXXX XXXX XXXX. We inquired as to why but never received any answer back from XXXX XXXX XXXX. We even sent a letter on XXXX XXXX, XXXX so we would have it in writing. No response was ever received from XXXX XXXX XXXX. We continued to make those payments and then in XX/XX/XXXX/XX/XX/XXXX we were notified that our escrow for taxes had negative balance and we would be required to increase our payments from {$2500.00} to over {$6100.00} per month. So that was the beginning of where we stand today. We stop making payments in XXXX XXXX since we could n't get anyone to make the necessary adjustments. So here are the major issues as it relates to our mortgage and the upcoming mediation meeting on XXXX XXXX XXXX. XXXX XXXX XXXX servicing and Green Tree Servicing refuses to acknowledge and provide the documentation on the time frame from XXXX XXXX through XXXX XXXX. No explanation has been given as to why the payments that we did make in XXXX XXXX through XXXX XXXX were posted as MISC adjustments, rather than interest as called for in the step rate modification ( copy provided ) Our mortgage loan was supposed to be a part of a XXXX XXXX XXXX Certificates XXXX XXXX.
12/29/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NV 89147	Web	Servicemember
Ive had XXXX XXXX XXXX XXXX different loan servicing companies within the first six ( 6 ) months of my loans inception. I have written to each one, called, and yet they have all either ignored me or sent me a computer generated letter and have NOT resolved the issues. I have written no less than XXXX XXXX XXXX ) certified letters concerning, mainly, the negligent accounting of my payments-without any help, without them even trying to resolve the issue. I have been to the doctors XXXX all because of these companies intentional neglect to contact me or even try to resolve and update their records. My loan has been passed around so much, I cant believe this is legal! How does the government allow them to pass around my loan and information so often and so fast?? XXXX of the servicing companies refused to pay my property taxes and even stated that they were NOT responsible for paying my taxes and NOT until I faxed them proof from the loan did they even consider to pay them. I started contacting them about my taxes before they were due and continued to prove that they owed the tax bill and still they did n't pay my taxes until they were late! They are ruining my credit, and I know this is the only thing that they can take your home away from you for, late on paying your taxes! When we, myself and the seller, sat down to sign the loan documents we XXXX did so with only a notary public in the room with us! We XXXX had questions that the notary public was not able to answer for us, and stated that they were only hired to come there that day to notarize our signatures on the loan documents as we signed them. When applying for this loan with XXXX XXXX with XXXX Mortgage, who originated this loan, she assured me that I could pay my monthly payments XXXX half at a time and as I payed each half payment it would be applied toward my loan and this would help with lowering the interest paid through the entirety of the loan, and YET after the loan was sold the new servicing companies stated that they placed my first half payment of each month into an " UN-applied funds account '' until they received the second half payment. I repeatedly made mention of this mistake and asked them to not do this and to apply the funds immediately to the loan to help with the life of the loan interest in lowering the total amount paid. These companies, since it has been sold from XXXX Mortgage, has been inaccurately accounting for my payments. They all show me to be behind on my payments, they all send me statements showing me being behind on my payments. I 'm sure once you confront them with my complaint they will state, " yes we have received XXXX XXXX complaint and are looking into it. '' HOWEVER, they just continue sending me statements showing me being behind on my payments and amount that 's due! They NEVER call me to ask about it, they NEVER send me correspondence that they are sorry and will fix it! When they sell a loan the last company is responsible for forwarding and making sure that, for XXXX after selling, they keep the new company informed and up to date with payments paid and their responsibility for taxes and homeowners insurance! THEY ARE BREAKING THE LAW!! If I broke the law they would prosecute me, take my home and sue me for additional funds and place a lien against me. WHAT IS BEING DONE FOR ALL OF THE LAWS THEY ARE BREAKING?? HAVING A NOTARY DO MY LOAN, XXXX THAT IS ONLY HIRED FOR THE DAY AND NOT ON THEIR PAYROLL!! NOT KEEPING A CORRECT ACCOUNTING OF MY PAYMENTS AND CONSTANTLY SENDING ME INACCURATE STATEMENTS LEADING TO MY PHYSICAL PROBLEMS! NOT PAYING MY TAXES AND MAKING MY CREDIT SUFFER-WHICH IS XXXX!! I have several problems and you ONLY ALLOW me to chose XXXX from the options below, WHY????
06/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 78132	Web
XXXX XXXX had a loss of income when his XXXX slowed down dramatically. After that he made mortgage payments from savings, hoping his income would recover until he found himself having to take on the role of taking care of his grandson which took a toll on his savings causing him to fall behind. Also, due to medical issues which include : XXXX issues ( that stem from XXXX ), and XXXX due to XXXX XXXX. His wife had to take a considerable amount of time away from work to provide care as needed for XXXX XXXX. Not to mention his XXXX son lives with him. XXXX XXXX is usually the XXXX for him during most of the day, but when XXXX XXXX was was ill he was not able to do as much as necessary. XXXX XXXX is showing signs of improvement in his health issues, and has gotten his financial situation under control. He and his family just had some setbacks and look forward to being on track again paying their mortgage once modified. Please help them overcome this set back. Their home is everything to them. Since this hardship that XXXX and XXXX XXXX endured his business has picked up and his income increased. He now has the adequate income to afford his mortgage. He has had previous modifications in the past, which he has defaulted on due to the circumstances above. On XXXX XXXX, XXXX XXXX XXXX received a letter form Greentree stating that the XXXX qualified for the Department of Justice Settlement and could reapply for another modification due to that settlement. The XXXX 's applied multiple times and was denied every time because the lender would claim documents were needed or missing. The XXXX 's are asking for XXXX more opportunity to keep their home under this particular settlement. LOAN MOD RUN-AROUND, DENIAL OF INFORMAION, AND LIES ABOUT AVAILABLE OPTIONS XXXX/XXXX/XXXX Client called, stated he received a certified letter stating he has a SALE DATE of XXXX/XXXX/XXXX. ***Told him we would do an analytical report, and update P & L , paystubs, and XXXX most recent bank statement. XXXX/XXXX/XXXX spoke to XXXX ( XXXX ) / GreenTree Tentative Sale date of XXXX/XXXX/XXXX XXXX/XXXX/XXXX Spoke with XXXX ( XXXX ), never been modified before with Ditech. XXXX/XXXX/XXXX Spoke to lender/XXXX ( ID # XXXX ) SALE DATE XXXX/XXXX/XXXX MODIFICATION DENIED due to debt to income ratio is less than XXXX %, Tried for HAMP TIER 1 : denied die to previous modification, HAMP TIER 2 : NPV Test Failed. I asked if we could appeal, she said yes. XXXX/XXXX/XXXX Fax Transmission Results Here are the results of the XXXX-page fax you sent from your phone number ( XXXX ) XXXX : Name Phone Number Date and Time Result XXXX ( XXXX ) XXXX Tuesday, XXXX XXXX, XXXX at XXXX Sent Your fax ( es ) included the following file ( s ), which were rendered into fax format for transmission : File Name Result XXXX HR letter req from lender, YtoD, payroll docs, XXXX, XXXX XXXX Success XXXX/XXXX/XXXX Refaxed HR letter lender requested with Year to dates explanation, the XXXX, and XXXX payroll, XXXX 's paystubs. XXXX XXXX/XXXX/XXXX Fax Transmission Results Here are the results of the XXXX-page fax you sent from your phone number ( XXXX ) XXXX : Name Phone Number Date and Time Result XXXX ( XXXX ) XXXX Tuesday, XXXX XXXX, XXXX at XXXX Sent Your fax ( es ) included the following file ( s ), which were rendered into fax format for transmission : File Name Result XXXX HR Letter re year to date.pdf Success XXXX/XXXX/XXXX Spoke to XXXX XXXX who spoke to XXXX and he said he Needs correct Year to Date on paystubs. explained it was sent on XX/XX/XXXX but they said it did n't add up. SO They are requesting a written letter from HR stating they can not change the year to date, need Verification of Employment, start date, Year to Date gross for XX/XX/XXXX and th
10/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 160XX	Web
In XXXX of 2015 i lost my job I contacted my mortgage company and explained my hard ship and that I am the only one that works. well they wanted me to borrow from any one i new as long as they got their money .I told them I will not trouble my family with my problems when they do n't have it any ways. I finally got a job on XX/XX/XXXX,2015 I called my account manager who was in charge of my account and told her that I would be making a payment on XXXX/XXXX/15 then XXXX on XXXX/XXXX/15 and XXXXpayments on XXXX/XXXX/15 and XXXX more on XXXX/XXXX/15 and that would bring me current on my next payment on XXXX/XXXX/15 she was happy that im back working and agreed that my payment arrangement will work. so when I called in on XXXX/XXXX/15 and talked with XXXX she said she had something better for me so I would n't be cutting myself short, she told me I qualified for a home modification because i was 90 days behind and had good reason for my hardship, she explained that this would benefit me a a lot better, I figured she was helping me in the long run saying how it will lower my payment and interest rate and help me get back on my feet with the rest of my bills, Now my call in that day was to make a payment that she would not accept because she said it would throw the modification off and she took some information from me how much i made an hour ect and she mailed me a packet for the modification and i filled it out and made all necessary copy 's of documents and sent back in 3 days well 2 months go buy and XXXX calls me and says i did n't check a box on the tax form for the to get a transcript but I signed it, I told her that I sent a transcript of my taxes since i had them so it would n't hold things up, she said she will look into it and get back with me if theirs a problem, another month went buy now it XXXX she finally gets back to me I told her that Ive called her 5 times left message on her machine asked her why nobody there that i talked to could tell me anything about my case, XXXX tells me that now she needs new pay stubs due too they did n't have the year to date on them, at this time I was feeling that something was n't right this is a new job they had all my pay stubs add them up i told her i mean how ridiculous is this well I sent her new ones and waited to here back from her and i did call after every time I faxed a copy to make sure she got it so 2 weeks go by and i get letters in the mail saying that I have a new account manager and that green tree is now Di tech so i tried to reach this new manager her name is XXXX I left XXXX messages on different days and never got a call back and when i called into the customer service dept i would explain this matter to them and said they could not discuss the matter of the modification only my case manager could and then they would transfer me to her and I would leave another message then in XXXX I receive another letter saying how now Di tech is here to help me and that I have been assigned another account manager his name is XXXX XXXX so I call him 6 times leaving messages and no call backs at all .On XXXX XXXX 2015 I received XXXX letters basically saying that I do not qualify for any modifications because I make to much money, I gross XXXX a month support XXXX people on that now they want XXXX to bring my account current, they destroyed my credit and talked me into this nightmare I should have done what i wanted to do in the first place i would be current this looks like a force foreclose and now Di tech is carrying out green trees actions and that 's not good business now whose breaking the law they put me in this position not me I believed what they were saying their the bank guess you cant trust no one these days. thank you for your time
10/11/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	WA 98106	Web
I have been trying to terminate the Private Mortgage Insurance cost from my escrow payment for nearly six months, as a result of rising comparable sales and real estate values in the area. The property attached to the mortgage has easily surpassed the value needed to reach the threshold required to do so. The mortgage servicer, Ditech mortgage servicer, which I never chose to begin with ( original XXXX loan being sold to GreenTree servicing, then later merging with the current servicer ) has repeatedly stalled and obstructed my attempts to cancel the P.M.I. Customer service agents routinely offered no help and simply instructed me to fax their escrow dept. ; they allow no contact with that department directly. Despite several successful fax sends, I was told they could find no report of it. Finally, after receiving and processing a fax, I was delayed an appraisal by nearly three months for various reasons, e.g. no signature on the fax, failure to write a specific phrase on fax, no fax received, etc ... Often I would be relayed inconsistent information with the previous customer service agent. I was never allowed to deal with the same agent, either. Every successive agent gave me information or updates contradicting the previous person or previous letter I had dealt with, including most importantly : that I would need a loan-to-value ratio of below 80 %. This is key, for otherwise I would not have necessarily committed to an appraisal, as I would be held responsible for the cost. Following the appraisal, I received a letter which included a copy of the supposedly " independent '' appraisal. Even though I met with all the requirements given me to have this P.M.I. cancelled, they decided to then reveal new information. Apparently, because my refinance of my original 2006 loan was less than 5 years old ( currently it is 4 ) I would no longer just need a & lt ; 80 % ratio ; now I will need a & lt ; 75 % ratio. At no time was this information ever presented to me previously. Add to that, their calculations made no mathematical sense, and no customer service agent could even explain it to me. The appraisal set up by the company, not me, approximated the value at {$240000.00} while comparable sales in the local area PLUS a county assessment put the real estate values at a MINIMUM of {$260000.00} ( county values being traditionally lower than market rates ). In light of these incongruent discrepancies, I called for what must be the 100th time over the last six months in order to inquire about possibly using a more reliable appraisal. For example : the county assessment of {$260000.00}. After spending a half hour trying my best to convey this idea to yet another customer service agent who knows nothing about my case, she then put me on hold and transferred me to a " supervisor ''. Immediately upon her answering ( she never revealed her name ) she proceeded to shout at me recited responses before I even got a chance to ask anything. As soon as I began to speak, she would shout over me some more and ultimately informed me that there was nothing either they or I could do at this point, so " have a nice day '', and then hung up on me. Clearly this company, Ditech, is not willing to work with me in any way, and I have yet to figure out if they are operating with total incompetence, or worse, they are bad actors dealing in less than a transparent fashion. After the recent events regarding XXXX XXXX, I am inclined to lean to the latter ... As a result of this treatment, which barely even highlights what I have had to deal with, I am stuck paying a monthly fee for the foreseeable future, even though by any rights I should not have to ; I have never missed a payment in 10 years of holding this property.
05/29/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	OR 97068	Web
Dear CFPB, I would like to file a formal complaint with Ditech Financial LLC, a company that recently purchased my mortgage from the XXXX. The first payment to Ditech in the amount of {$1800.00} for XXXX was processed on XXXX/XXXX/XXXX. As a person aware of Ditech deceptive and unfair accounting processes, I wanted to make sure my next payment arrives exactly on the due date - XXXX/XXXX/XXXX, which happens to be Sunday. The check was sent by the XXXX XXXX XXXX and, as the bank 's records indicate, the payment was received and processed on XXXX/XXXX/XXXX. Yet, the Ditech records show that the payment was applied on XXXX/XXXX/XXXX. The issue is the entire payment was applied towards the principle. The problem I have with the assumption made by Ditech is, assuming that XXXX/XXXX/XXXX was the date the payment was received, it would still be logical to treat it as a regular payment ( not extra payment ) for the following reasons : a ) the check arrived on Saturday and the payment was due Sunday - USPS does not deliver regular mail on Sundays and b ) the payment was for the amount due rounded up to the nearest dollar. I understand that extra payments are always applied to the principle. In this situation, I would have expected Ditech to make a contact to ensure the payment is not mishandled. I have received a phone call from Ditech on XXXX/XXXX/XXXX trying to collect the " past due '' amount and the late fees. I have, however, declined a generous offer of making a full payment that covers not only the " past due '' amount but also a late payment fee and {$19.00} convenience charge. After providing the dates of when the payment was sent, received, and processed, the agent agreed that the funds were applied incorrectly and stated that the issue will be resolved within 2-3 business days. On XXXX/XXXX/XXXX I receive a letter dated XXXX/XXXX/XXXX stating that I am past due and the late payment fees of {$0.00} are included in the total amount I have to pay ( {$1700.00} ), which does not match the amount due on any of the statements - my total due ever month is {$1800.00}. Moreover, the payment history on my account # XXXX also shows a payment of {$1800.00} processed on XXXX/XXXX/XXXX {$1700.00} of which was applied towards my principle, escrow, and interest and {$110.00} allocated to " unapplied amount '' bucket. Both dollar figures add up to the monthly amount due and suggest that Ditech failed to apply an arbitrary amount of the payment I did not make. It is worth mentioning that this payment did not decrease my overall balance. Currently, I have a payment of {$1800.00} scheduled to be delivered and processed on XXXX/XXXX/XXXX for XXXX. Today, XXXX/XXXX/XXXX, after noticing that the misapplied funds problem was not resolved, I took the following actions on Ditech 's website : 1 ) Submitted a complaint to Ditech 2 ) Made an additional payment of {$1800.00} to avoid delinquency reporting to credit bureaus The extra payment made several hours ago still appears as " pending '', which raises a concern that I my credit history may still be affected as Ditech 's poor accounting practices. The confirmation number for the payment is XXXX. In summary, I have made an extra payment for the total amount due for XX/XX/XXXX on XXXX/XXXX/XXXX after paying it in full on XXXX/XXXX/XXXX. The company failed to resolve misapplied funds within 2-3 business days as promised on XXXX/XXXX/XXXX, forcing me to make yet another payment. I have received a letter asking me to pay past due balance of an arbitrary {$1700.00}. I have also noticed and documented fictitious payment transactions on my account that do not decrease my overall balance. How can Ditech be XXXX compliant with such poor accounting practices? Thank you.
03/15/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VT 057XX	Web
We have two mortgages with Greentree Servicing now Ditech Financial. My husband and I fell behind with payments on two of our rental properties due to lost wages and income. The first property we 'll call Building A & the second, building B. The foreclosures started for both properties in XXXX XXXX. Since then, we have tried to work with Greentree/Ditech but they are not very helpful & are consistently rude. In addition to poor customer service, they continue to break the law by breaking into Building A. We have since brought Building A out of foreclosure as the bill was paid in XXXX XXXX. Ditech keeps hiring companies like XXXX ( a preservation company ) to break into Building A. We have just mailed two months of payments & this house IS NOT IN FORECLOSURE. They have broken in 3 times without a Writ of Possession which is required by Vermont State Law. The other property ( Building B ) is still in Foreclosure as we are trying to raise the funds. XXXX XXXX & Ditech broke the law on XXXX XXXX, XXXX when they forced entry into our property ( Building A ) which is rented commercially. They left notices in the building broke several locks by using power tools & left the property damaged and unsecured which ironically their paperwork said it was the " initial secure '', when in fact, they never secured anything, the doors were left without locks & doors wide open. Remember, this is rented commercially with business inventory inside. On XXXX XXXX, XXXX we reported this incident to our local Sheriff 's Dept. On XXXX XXXX XXXX, XXXX forced entry into the building again resulting in more locks destroyed. The sheriff 's Dept was called again. XXXX XXXX was the officer who returned our call. He informed us that the state 's attorney was notified & XXXX XXXX also called XXXX XXXX & the Ditech 's attorney. During this time, this property was scheduled for an auction sale on XXXX XXXX, XXXX. We were trying to get a total figure from the bank for over two weeks as we believed we had the total amount due. We contacted Greentree/Ditech several times asking for a balance due. We also contacted the Ditech 's attorney several time with no response. Everyone at Greentree said contact the attorney, the attorney said to contact Greentree. We were getting the total runaround. Remember the sale was set for XXXX XXXX, XXXX Because we were n't getting anywhere and we believed we had enough money, I submitted a REQUEST FOR MOTION TO CANCEL FORECLOSURE SALE on XXXX XXXX, XXXX. The plaintiff 's attorney finally responded and said the sale was cancelled and there will now be a hearing unless we pay & agree to file a motion to cancel the hearing. So, now we are left with trying to bring the other house current ( Building B ) but with the frustrations of the bank contracting people to break into an occupied building ( Building A ) they have left us no choice but to shine some light on this company 's practices of threatening intimidation and deceit. Ditech was told the property was occupied before all the break-ins. We have never been compensated for our lost time from work, damages to the property and locks destroyed or the emotional impact of Ditech 's actions. In addition, the door jams on two exterior doors will need carpentry work to be secure again. This is nothing but harassment and it caused a tremendous amount of stress for both my husband and myself. It seems to me that Ditech wanted to have an auction sale on the property without giving us the opportunity to bring the loan current. We have police records of these break-ins and we are starting a suit against the company. Greentree 's purpose was to help people keep their property, not undermine consumers efforts to make good on their commitment.
12/14/2016	Yes	Mortgage FHA mortgage	Settlement process and costs	VA 223XX	Web	Older American
I technically began the process to refinance of my loan for a HUD type mortgage with Ditech on XXXX XXXX, 2016 and I my Ditech Loan Officer knew then that my credit rating, XXXX, qualified me for the HUD loan, if my appraisal came in at least {$410000.00} and it actually came in at {$470000.00} ... so, we were pleased and knew that I would qualify for the new refinance. However, months and months went by ( i.e., XXXX thru early XXXX 2016 ) and my personal financial situation became more tight ( due mainly to child support payments and divorce related expenses ) and ultimately my situation became even worse, given my outlay of {$4100.00} per month for housing, and {$1200.00} per month for child support and after school care ... .until five months later I receive Ditech XXXX notice of Adverse-Statement of Credit Denial-Termination. I 've been informed by my XXXX XXXX XXXX XXXX that my current score is now : XXXX. I know that Ditech 's long 5-month ( XXXX to XXXX 2016 ) oversight and delay in approving my application directly contributed to the ultimate down-grade in my original and qualifying Credit Rating of XXXX ; and thus the Ditech 's basis on XXXX XXXX, 2016 to suddenly decline my application for refinance of my current XXXX and XXXX XXXX, with Ditech ; and XXXX XXXX XXXX XXXX, respectively. I was totally shocked by Ditech 's adverse action, because I was then finally expecting to be informed of the actual closing date on my loan, hopefully before XXXX. The completed appraisal by XXXX Appraised value of {$470000.00} for my home and land, and my current combined trusts debt of approximately {$280000.00}, I currently have about {$190000.00} equity in my primary and only residence. After a grand total of 5 months, Ditech finally concluded processing my application and made then made an adverse decision, but by that late date my credit took a hit over a 30-day late paid mortgage, and now I face possible foreclosure on my home in the near future, or at least selling it at far below its current value just to pay off the mortgages, but lose virtually all the equity I 've worked for years to create for my family and my retirement. I feel " strung out and played '' by Ditech personnel and management. In addition to the Loan Officer, a woman assistant in the Ditech XXXX, Florida office was primarily responsible for timely processing documents with the underwriter, but on many occasions I could not reach her for status of the loan, and I personally sought the assistance of XXXX XXXX on several occasions to contact her, or her supervisor to ensure she was adequately servicing my refinance application. I would apologize to the Loan Officer for seemingly being anxious, given my stressful and deteriorating financial situation, but his comment was, " You have every right to be concerned. Send her an email, and copy me, which enables me to contact her supervisor. '' Ditech failed to provide me notice that I had the right to appeal their decision not to approve my application ; nor did Ditech provide me notice that I had only 14 days to appeal their decision not to approve my application. Ditech 's negligence and failure to timely process my application has created unnecessary and harmful XXXX to my personal health and has caused me to have extremely XXXX, which is currently being treated by my physician with XXXX ; and is prolonging my current financial hardship by directly contributing to a down grade in my personal credit rating. I telephoned Ditech last week for contact information on female assistant 's supervisor and was informed that she is no longer employed by Ditech. The Ditech representative provided me with the name and contact information for her supervisor.. I have placed a call to him.
02/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 305XX	Web	Servicemember
Ditech, through acquisition of Greentree, was assigned as the servicing agent on my mortgage, which is backed by XXXX. XXXX XXXX XXXX, through acquisition of XXXX, was the servicing agent prior. Requests through XXXX / XXXX XXXX XXXX were processed in a timely manner with typically no issues, including cosigning checks from XXXX XXXX cleanup. Ditech / Greentree, however, has made numerous mistakes on processing requests ; takes, at a minimum, 30 days to make any decision ( including whether or not to call a point of contact at XXXX that has requested them to call ) ; and, even refused to cosign the lone remaining check from XXXX XXXX cleanup, which I had to return to the insurance company, and forego needed repairs on the property. Some extreme examples of failure include : 1. In XXXX, I submitted a short sale offer on the house and land that are secured by the mortgage for $ XXXX less than the $ XXXX owed on the house at the time. Due to post-XXXX conditions, this offer was approximately $ XXXX above the current market value based on price comparisons from over XXXX similar houses that had recently sold in the area. Greentree requested an appraisal for the wrong house - a house next door to the house secured by the mortgage - that was in the final stages of repair from the flood, which, of course, would have a much higher value. They used this false valuation to submit to XXXX, which resulted in my short sale being rejected, even after I notified them that they had appraised the wrong house. Two subsequent short sale offers were rejected based on the same false valuation. 2. In XXXX XXXX, I received an offer on a lot that is adjacent to the house and land secured by this mortgage. During the sales process, we discovered that the title company had incorrectly filed a lien from the mortgage on both properties by using the wrong legal description from a joint survey of both properties ( the city recognizes the two separate lots as a single address because they have the same owner, even though they are separate properties with separate tax bills, so there are two legal descriptions for the property that is secured by the loan. ) We notified Greentree of the issue, and requested that they sign a county-provided form to change the legal description that was filed with the mortgage to that which was stated in the mortgage Security Instrument. The mortgage Security Instrument clearly lists the legal description of the single lot in the " Rights of Property Transferred '' section. Greentree refused to sign this, and stated we needed to handle as a partial release of mortgage. We submitted this per their request in XXXX XXXX, and they rejected the request in XXXX XXXX. We challenged their rejection to XXXX, and received an email from XXXX that this should not be handled as a partial release of mortgage because it was a title defect caused by an origination error that should be corrected as we had originally requested - changing the legal description. Greentree refused to act on Fannie Mae 's guidance, so I submitted a complaint to the XXXX Ombudsman, who listened to both sides from XXXX XXXX until their decision in XXXX XXXX, which said that Greentree had 30 days to resolve the title defect. The point of contact in that group has requested a 3-way call between Ditech and me, but Ditech refuses. I submitted formal requests to their customer service, which referred me to legal ; to their legal, which then deferred me back to customer service ... just to have a phone call, and each request takes 30 days for them to make a decision on whether or not to talk to someone at XXXX enforcement. How is this legal? Ditech is a servicing agent for XXXX, and my mortgage is being mishandled. Please help!
01/31/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	VA 220XX	Web
We had filed a complaint # XXXX on XXXX/XXXX/XXXX. We are stating the complaint again with clarifications : - -Our Primary home mortgage loan was originated in XXXX by XXXX who owned the original Adjustable Rate Note. -It was transferred to XXXX , then XXXX and then transferred to XXXX with a 40 year interest only loan modification note executed in XXXX, and then transferred to XXXX. ( see letter dated XXXX XXXX, XXXX ), and then XXXX in XXXX XXXX. -We had no option but agree to take this inherently harmful high ARM rate loan in XXXX. -As our income reduced, the high interest only loan became difficult for us. -We have been applying for a hardship loan modification since XXXX. -We want to live in our home and now have become desperate to save it from a mortgage default. We are a family and pay about 50 % of our income for mortgages only, even with an austere living. -We consumed monies from our past savings to stay current on the mortgage and now we have no savings to depend on to pay our mortgage for the primary residence. -We have made 10 petitions for a loan modification to XXXX , GreenTree and Ditech . -All our petitions are rejected by the lenders/investors/servicers giving some reason or the other such as : - 1 ) We are told by Greentree that we do n't have sufficient income. ( but we still are current on the interest only mortgage by struggling and a loan modification would only help us avoid a foreclosure and allow us to keep our home ). 2 ) We are told by Ditech that XXXX /XXXX is not a party to the National Mortgage Settlement for our loan. ( but it is a fact that loans of XXXX/XXXX/XXXX were distributed to Greentree, now Ditech ). 3 ) We are told in XXXX that the Loan is owned by XXXX XXXX ( Mortgage Pass-Through Certificates XXXX ) and deny us a modification. ( We were never informed of any pass-through certificates by XXXX in XXXX and until XXXX ). 4 ) We believe that XXXX were/are part of the same group with their investors. The fact that our loan was distributed to GreenTree ( now Ditech ) proves that it was part of that group or their successors ( see letter dated XXXX XXXX, XXXX ). 5 ) They are trying to dodge granting us an affordable mortgage loan modification for our primary home by saying our loan is not qualified under the National Mortgage Settlement. 6 ) Secondly, our dealings with GreenTree and Ditech have not been positive. Whenever they call us they tell us that we must pay whether we borrow from others or sell some assets. 7 ) Instead of modifying the loan, they made 2 months mortgage payment deferment and added the amounts to the back of the loan. 8 ) They threaten that if we do n't pay they 'll report to credit bureau for non-payment and our employers will see that, which will affect our employment. ( refer conversation on XXXX/XXXX/XXXX ). 9 ) On XXXX XXXX, XXXX the representative told us even if the lender gave us 1 % rate, we wo n't qualify. 10 ) On XXXX XXXX XXXX the representative in calculating our eligibility for modification, told us they object to each of our family member having mobile phone expenses and a car to go about our work or college. 11 ) When we submit documents by uploading them online or sent by fax they say pages are lost or the documents are not legible ( even though they are original copies and legible ), thereby delaying and causing frustration and a more expensive process. Many times their faxes are not able to receive the documents or the Web site do n't work to receive the documents. 12 ) They are forcing us to go for a deed-in-lieu or short sale. We WANT to live in our home. None of this is helping is to stay in our home. Please let us know if any additional information is required to help us stay in
06/25/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 93536	Web	Older American
XXXX XXXX XXXX, I received notice from Green Tree that they had been assigned my existing loan. I called them before my first payment was due to let them know I am on Social Security and my pay date is the XXXX. XXXX of every month. Occasionally I have to make my mortgage payment after the grace period and when I do I include the late fee. I always pay by check and when my XXXX XXXX check had not cleared my bank by the XXXX, I called Green Tree and spoke to representative. She was very argumentative and told me I need to sign up with their automatic payments which I declined. Next she tried to insist that I use their XXXX or XXXX XXXX to make my payments from now on and I must pay an additional charge of {$12.00} every month to use this service. When I declined that too, she got angry with me and raising her voice so I hung up. I went to my credit union and stopped payment on the lost check and issue another. Starting the next month, XXXX XXXX and every month after that I was hounded by Green Tree! For the next XXXX months, soon after the XXXX of every month, the calls from Green Tree started up again. I received XXXX-XXXX phone calls every single day starting at XXXX until XXXX. At first I 'd answered to find out why they were calling. They hounded me for information about why I had not sent my payment to them. It did n't matter what I said at that point, they were so nasty to me. I had to stop answering my own phone but they started using cell numbers to get through which made me quit answering my phone altogether. The calls continued each month until they received my checks. All that year I was reluctant to answer my home phone until I heard who was on the other end of the line. When I had guests, I 'd unplug all my phones. XXXX XXXX, I completed a LOAN MODIFICATION with my XXXX mortgage and I called and asked Green Tree if they would consider doing on a modification my XXXX. I was told they do not do modifications at all. In XXXX XXXX, the calls were still coming so I decided to use their website to ask what the " Unapplied Amounts/Funds '' category, which appears on my statement, is for? The only response to my question was an email to say they received my email. I never used the website again. I still needed to know where my money was going so I called a few days later after receiving the non-response email and spoke to my representative. I told her about the email I sent and asked her about the unapplied funds? I really did not get an answer but instead she told me I had to pay {$26.00} to go to late fees. At first she was going to charge me another {$12.00} processing fee but she checked with her supervisor who waived the fee. I insisted on her mailing me a receipt, thinking it would have an explanation on the receipt of what the {$26.00} was but there was no explanation plus it is unsigned. The receipt only has the date of transaction and amount. This is still unexplained but I did pay it. On my XXXX XXXX Statement I have {$42.00} in my, " Unapplied Amount '' and I have no idea why it sits there for months and where it goes from there or why I need to pay to move it. Dealing with Green Tree has been one of the most degrading forms of abuse. I feel I 'm being punished for being a homeowner. The treatment I received from this company has been totally and completely unprofessional. All the embarrassing phone calls I 've had to put up with in my own home are outrageous! I feel I was treated like a criminal when I did nothing to deserve that! I am asked to pay for non-existent fees and when I pay a late fee, it sits in a bogus account called unapplied amounts even though I 've written " late fees '' both on my check and on the remittance portion of the statement.
03/02/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 95901	Web	Older American
Ditech Financial LLC has mismanaged my escrow account for my FHA loan. They have mis-appropriated funds and refuse to correct this. The following is a portion of a letter I sent them today : I contacted your office by telephone on XXXX/XXXX/XXXX to verify payment of my upcoming tax bill, due XXXX. It was discovered that you were preparing to send the wrong amount of money to the wrong county for the wrong address ; I advised your representative not to do that. Your representative assured me that, even though it might take 14 to 21 days to get right, your company would pay any late fees incurred on my account which was due XXXX. I asked her to have her supervisor call me back. On XXXX/XXXX/XXXX I called the Escrow Dept. and spoke with a man whose name was unclear XXXX XXXX XXXX, XXXX? XXXX. He informed me that the " escalation '' was completed incorrectly by " research '' on XXXX and he assured me he was " escalating '' it and it should take 7 - 10 days and re-iterated that Ditech would be responsible for any late fees. I asked him to have someone call me in 10 days then. On XXXX/XXXX/XXXX I called you and spoke with XXXX. She informed me that in fact the wrong amount of money ( {$880.00} ) went to the wrong place ( XXXX County ) and they did not bother to pay my taxes to XXXX County for XXXX XXXX, making my taxes on my home delinquent. A month earlier I had warned your company that you had a problem with my account, but you failed to take any reasonable action. I asked XXXX where to write with a complaint and she offered me a fax number. This will do as much good as phone calls. I asked that she have her supervisor call me. On XXXX/XXXX/XXXX I personally verified with the XXXX County Tax Collector that in fact you had failed your responsibility to pay the property tax. On XXXX/XXXX/XXXX I sent a message via Ditech.com. requesting someone call me. On XXXX/XXXX/XXXX I sent another message via Ditech.com requesting someone call me. On XXXX/XXXX/XXXX I spoke with the XXXX County Tax Collector in person and confirmed that the you finally made the delinquent payment and the late fee which they received on XXXX/XXXX/XXXX. Also around XXXX I received a letter from you dated XXXX/XXXX/XXXX stating your company had received my question about my account on XXXX/XXXX/XXXX and that I would " receive a written response within thirty ( 30 ) days from the date we received your correspondence. '' Also provided was the number for Customer Service. On XXXX/XXXX/XXXX after discovering yet another unauthorized disbursement I called your Customer Service number provided with your letter and spoke with XXXX. She informed me that it looked like on XXXX/XXXX/XXXX you sent {$460.00} to XXXX County for a tax lien. She could tell me nothing else, including why your employees refuse to call. I asked her to have her supervisor call me and she transferred me to Tax Dept. where, after a 3 minute wait, I spoke with XXXX. XXXX got my account number and then asked to put me on hold. About 4 minutes later she came back on and said she saw there was a problem, I asked her specifics and she started to double talk. I asked her how and why you had not fixed a problem you were made aware of on XXXX and she did not know. She then stated that money would not be restored to my account until the third parties who received the funds you took from my account returned them. I am not sure how your malfeasance is someone else 's problem. I requested she have her supervisor call me back. On XXXX/XXXX/XXXX I received a letter dated XXXX XXXX, XXXX stating that you were " ..in the process of reviewing your written request ... '' and " Our research is not concluded. '' This is colloquially referred to as " XXXX ''.
07/02/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA XXXXX	Web
On XX/XX/XXXX I rec. 'd notice of servicing transfer from XXXX XXXX XXXX XXXX XXXX , XXXX ) to Ditech Financial LLC, XXXX. XXXX XXXX, XXXX, CA effective XX/XX/XXXX. On XX/XX/XXXX XXXX received last payment in the amount of {$2100.00} ( check # XXXX ). On XX/XX/XXXX I rec. 'd final escrow account disclosure statement from XXXX from XXXX XXXX through XXXX XXXX for an actual amount of {$1800.00}. On XX/XX/XXXX a loan history from XXXX was received indicating the principal balance is {$310000.00}. On XX/XX/XXXX a welcome letter was received from ditech, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, stating ditech will begin posting payments to our account on or about XX/XX/XXXX, and that we should be receiving our first statement from Ditech by mail the week of XX/XX/XXXX. On XX/XX/XXXX, a payment was posted by ditech in the amount of {$4200.00} ( check # XXXX posted from my bank account XXXX ). On XX/XX/XXXX, I received the first statement from XXXX indicating next payment is due XX/XX/XXXX, showing an escrow balance in the amount of {$640.00}, late fee balance in the amount of {$1500.00}, Corporate Advance Balance in the amount of {$330.00}. On 5/27/16, a payment was posted by ditech in the amount of {$2100.00} ( check # XXXX ). On XX/XX/XXXX, a payment was posted by ditech in the amount of {$2100.00} ( check # XXXX ). Since the beginning of dealing with Ditech ; they have been posting or may not be posting any of " paid mortgages '' towards the principle/interest/escrow. Instead Ditech is posting towards other fees that are not making any sense. When I first asked to provide documentation /verification to explain related fees, Ditech provided a copy of a contractual agreement with XXXX XXXX. ( auto loan that I once had ) stating this was the reason for applying fees. When I questioned it further, Ditech has not been able to provide me a " detailed answer '' as to how they got a hold of this auto loan and misapplied information towards the mortgage account. I keep receiving notices that are not related to any of my inquiries or they will provide statements stating " they are investigating further ''. In addition, I have repeatedly asked for copies of the original mortgage statements beginning in XX/XX/XXXX when escrow monies were transferred, and how the fees were to be applied. They have failed to do so. When I make monthly mortgage payments, Ditech applies it to " unapplied funds ''. Then they state it is because I modified a loan with them, which I NEVER DID! The loan was mortified way back with XXXX. Since modifying the loan, it has been transferred to many mortgage servicers, never have I received charges that are related to the modification that they are implying to. Then when they ca n't explain it, they make up another story as to why it is being charged. When I make monthly payments for the principle, interest, and escrow amount, and request on the check that it only get applied to such and nothing else, Ditech instead will apply the funds to " unapplied funds '', " corporate advance balance '', " deferred balance '', or other misc. charges that are being fraudulently charged. This is being done even though I specifically write on the check how I want the funds to be paid ( principle, interest, and escrow ). In addition, they are reporting to Credit Bureaus that I am late in my payments. Please investigate this further, there is something seriously wrong with this company. I also looked up if they were licensed and they are not. In addition, when they call, they disclosed themselves as a " debt collector '', which is even more complicated as they are not following FDCPA guidelines. I have written many letters and emails to this company and I am getting nowhere!!!
09/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91006	Web	Older American
We have tried to work proactively with Di-Tech to resolve our loan. Situation : We have lost the ability to earn income, are XXXX and XXXX years old, and can no longer make our payments. We asked our children to provide money to help us make payments for the past year and fix our house so we can sell it to repay the debt. We shared this information in writing to Di-Tech and voluntarily put our home on the market to sell it. We have provided information in a timely manner to Di-Tech. At first, they ignored our request for a single point of contact. That appears to be resolved after asking the CFPB to help. Di-Tech asked for information to confirm our income and sent us forms to fill out. We did that and clearly demonstrated that our monthly expenses and our monthly income do not allow us to meet any portion of our housing cost. We have had a very reasonable and simple request. Do not increase the cost of this loan, do not charge high fees, we are selling our house to resolve the debt so that, hopefully, some money will be left for potential medical bills and so we can find a place to rent. Our home is in escrow, but it has a contingency and is located in a slow moving market. They received all the information requested ( financials, tax return data ) and instead of considering that information and coming up with a reasonable plan to waive a few months of payments, as soon as they noticed they could money off of the home they sent a denial letter the same day and hired an attorney the next day to put us on the street ... .and this is when we are trying to sell the home voluntarily. It 's outrageous that they have not offered a single alternative to elderly people trying to do the right thing and get this debt repaid. We filled out whatever forms we sent them, and if they would spend even a few minutes reviewing the information not to check a box but to try to work with a person everyone would be better off. Our cash flow has been negative every month now for several years, and without our children providing us cash we could not have improved the property, made payments and had even a little cushion for emergencies. Now, instead of working with us when we are trying to the right thing, they are attempting to foreclose quickly. This also could result in our attempt to sell the property being lost - if the buyer finds out how desperate we are - why buy the property? It 's a slow market. We are beginning to believe they want to foreclose, take the property, kick out XXXX XXXX people, and make fees and money in the process. We asked to have the escrow released on taxes and insurance so, with the help of our children we could keep these current. We can not afford high cost or risky force placed insurance, but they declined to do this. Why ca n't they release these funds and let us continue that insurance? After getting these most recent letters immediately after providing proof of our hardship and proof the home was in escrow we are very concerned they never intended to try to work with us. We were told they would take 3 to 4 weeks to consider this and that collection efforts would stop - but instead we get a letter from an attorney that they are foreclosing. Now we believe it was a mistake to let them know the home was in escrow, maybe they viewed this as a way to grab whatever equity is left for themselves. We hope not and that this is some type of mailing mistake or oversight. The single point of contact XXXX seems reasonable, but then we get letters that are the opposite of what is said would be considered we are afraid. Please help us. We believe the actions we are taking are the most responsible ones possible and will result in the most rapid repayment of the debt.
03/09/2017	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 91601	Web	Older American
This complaint against Ditech Financial LLC has to do with increasing origination fees during the loan application process, and that I had to pay an upfront appraisal fee which was to be reimbursed when the loan went through. After promising no closing costs to me to refinance an existing loan, Ditech loan officers stalled the loan process, increasing loan fees at each contact even though no new information was requested from me. In XX/XX/XXXX I got a letter from Ditech advertising that I could lower my existing loan interest rate at XXXX closing cost to me. After receiving the letter from Ditech, and I called about it and spoke with XXXX. XX/XX/XXXX I activated an online account and signed all the forms and provided all the necessary paperwork Ditech requested. XX/XX/XXXX I received the loan papers and the loan estimate. The origination fee was {$130.00}. I questioned about the fee and the loan amount and she said that all would be updated and I would not pay any fees at the closing. I also asked if they needed more financial information. I have other checking accounts and cash assets, stock accounts etc. and she said " No, the amount of money in my main checking account should be enough ''. I agreed to pay the appraisal fee, which was to be reimbursed at the closing. I also asked that they be sure I would get the loan before I did this. She said they would try their best that I did not loss the appraisal fee and the rate was locked in for 60 days ( XX/XX/XXXX ). XX/XX/XXXX I received an " Approved by Ditech '' email. At this time I heard from another Ditech person, XXXX, that an appraiser of their choice would call me. XX/XX/XXXX An appraisal was done on the house. I had to pay up front for the appraisal, {$450.00}. XX/XX/XXXX I received a new Loan Estimate. The origination fee was now {$390.00}. XX/XX/XXXX Origination fee is now up to {$600.00}. XX/XX/XXXX Two days after the 60 day lock in date expired, I received yet another Loan Estimate with the origination fee now {$1000.00}. No new information had been requested from me since XX/XX/XXXX. During this time I wondered why this was taking so long. Looking for information on loans, I found this story : " Improperly charging them to extend their promised interest rate when their mortgage paperwork was delayed. The employees say the delays were usually the bank 's fault but that management forced them to blame the customers. '' " Here 's how the process works : A loan officer starts a loan application for a client ... The loan officer then prepares a credit memo to submit the entire file to the processing department and underwriting department for review. The process should not take more than 60 or 90 days ... During this period, the bank allows customers to " lock in '' the quoted interest rate on the mortgage .... If the deadline is missed, and rates have gone up, the borrower can extend the initial low rate for a fee, typically about {$1000.00} to {$1500.00}, depending on the size of the loan. '' XXXX I waited to hear from them and finally I emailed XXXX. XXXX She got back to me that they had recalculated my income and it was not enough to qualify for the loan. She suggested I put my spouse 's name on the loan to combine our incomes. My credit rating is XXXX and spouse 's is XXXX. XX/XX/XXXX One quarter of a point was taken off the origination fee after I complained about it again. {$760.00}. XX/XX/XXXX I called and asked why was n't it back to the original promise of no fees? XX/XX/XXXX We both received a email denial notice from yet another person named XXXX. The reason for denial was " Excessive obligations in relation to income. '' They did n't have the courtesy to call me directly.
11/02/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30005	Web
On XXXX XXXX I contacted GreeTree and spoke to XXXX ( mortgage account agency for my account, XXXX ) regarding a letter I received from the Home Owner Association regarding past due association due, and the foreclosure notice for my property at XXXX XXXX XXXX, XXXX, XXXX XXXX MN XXXX. I asked the young lady about Green Tree about paying the back dues, and add the monthly dues to my monthly mortgage payment. She told that she would check into the issue about the foreclosure and paying the outstanding dues and call me back. I did not receive a call back and decided to call again. This time I reached another individual because my account rep ( XXXX ) was not there. I explained to the customer service rep the issue and he told me the fax the information over to the office and they would submit it to the foreclosure area, and they would contact me within 7 to 10 business days. I communicated that I did not have 7 to 10 business days and asked if they could rush the process. I called back on XXXX and they confirmed that they received the information. I called back on XXXX and spoke with another rep. who contacted the foreclosure division and he communicated that the people we need to speak with are not in the office. However he would send an e-mail to the young lady in the foreclosure area regarding the issue, and he asked me to fax over a copy of the letter that was initially sent. I did ( number XXXX ). On XXXX I spoke with the young man again and he communicated that there was nothing on their books showing a foreclosure. I asked them to contact the HOA regarding this issue and agree to pay the back dues. I also told him that I explained in the letter why I believed it was important for GreenTree to work with me to prevent foreclosure. He agreed. On XXXX the individual called me back and communicated that there was no need to worry about the foreclosure because they will take care of it. After this conservation I believed that they did and would. About 2 weeks ago I was told that the home was auction off and sold for {$4000.00}. GreeTree communicated that they were /had taken care of the issue with the HOA, and I believed them. They lied and I have lost a home that I paid approximately {$580000.00}, and was valued at approximately {$520000.00} when it was auctioned off. - XXXX/XXXX/2015 XXXX XXXX XXXX XXXX- XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX. XXXX XXXX ( Fax ) - XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX. XXXX XXXX ( Fax ) - XXXX/XXXX/2015 XXXX XXXX p.m. XXXX XXXX/XXXX/2015 XXXX XXXX p.m. XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXXThe phone log above illustrates my contact with GreenTree to resolve this issue. On XXXX/XXXX/2015 I received a call from GreenTree stating that they had spoken with the foreclosure division and there was no need to worry about the issue with the HOA. That it was taken care of. I contacted GreenTree ( XXXX ) and told her that they lied about the foreclosure. She stated that I have until XXXX to pay the HOA. However I communicated to her that GreenTree lied about what they were going to do regarding the foreclosure action. I wanted to prevent the foreclosure process, and therefore contacted GreenTree, and I was told that they had taken care of the issue. I want GreenTree accountable for my loss regarding the home. The hold was auction off for {$4000.00} dollars and I lost current and potential equity in the house ( {$30000.00} ).
09/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 222XX	Web
I had success when I recently sent in a complaint regarding my mortgage servicer ( case number XXXX ) and unfortunately problems continue to exist. The result of my previous complain was that the mortgage servicer was gong to finalize my modification, I received the modification after XXXX XXXX, 2015. I phoned GreentTree Servicing ( GTS ) on XXXX because I had a question regarding my XXXX/XXXX/2015 statement that showed I owed {$3200.00} to bring my account current, the representative ( XXXX ) I spoke with confirmed the amount and also told me that by making the {$3200.00} payment my next payment would be {$1400.00} for the XXXX payment. I began to schedule weekly payments of {$810.00} so that I would have the full amount paid by the end of XXXX. When he began to confirm the payments I was notified that each payment would incur a {$12.00} fee, I cancelled the payments and told him that I would schedule them through my bank to save the fees. I also inquired about the modification, he told me the payments would be {$1900.00} per month, I confirmed that if I paid the outstanding amount in full that I would be able to return back to my pre-modification payments of {$1400.00} per month, he confirmed that I could revert back to my original loan by making the {$3200.00} payment and that my next payment would be in XXXX but would be a little higher due to escrow, he also told me I would have to cancel my modification in order to proceed. I was transferred to another CSR who explained to me not to make payments on the outstanding amount until I received confirmation of the cancelled modification so that the monies I paid would not be applied to the modification payment, but would be applied to my outstanding amount. I received notification that my modification was cancelled on XXXX and submitted my first {$810.00} payment that same day, I decided to call GTS because I received a new statement that now stated I owed {$7200.00}. I spoke with XXXX again, the same one who told me that by paying the {$3200.00} that my next payment would be in XXXX, that is when he started to backpedal, I was extremely upset as I wanted to know how in 1 month there was an additional {$4000.00} added to my account this was the story I was told : the previous statement did not include escrow, this XXXX does, late fees were applied, it includes the amounts now due from the period where I was told to wait until they prepared and delivered my final modification. I also noted that there was {$700.00} in legal fees added from the period where they initiated legal proceedings for a supposed missed payment, when they ( in their own words ) had a transmission error and failed to apply my payment received on time, therefore they cancelled my modification and put my account in default status, even though they had he payment in hand. I was very frustrated trying to speak with the CSR. I have made a total of {$4200.00} ( {$1000.00} toward my XXXX mortgage payment ) in payments for the {$3200.00} I owed. I need some help in understanding how their statements can fluctuate so wildly month to month, how the CSRs continue to give erroneous information and I get penalized for it, and to get a reversal of late fees for the time period I was told to first wait for them to finalize the modification ( through XXXX ) and to complete the cancellation of the modification ( through XXXX ), and removal of legal fees for something that was caused by their error. I am hoping to get some help towards those ends. By the way my XXXX statement said I owed {$10000.00}, my XXXX statement said I owed {$3200.00}, and my XXXX statement says I owe {$7200.00}, I shudder to think what the XXXX statement will show. XXXX
04/21/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AZ 859XX	Web
XX/XX/XXXX my husband and I bought a new house. We signed the paperwork in XXXX XXXX, with the first payment due XXXX XXXX XXXX. I made the first payment XXXX XXXX XXXX ( XXXX ) through my bank 's ( XXXX ) website with the payment coupon provided in my mortgage paperwork. I paid XXXX and XXXX XXXX to the same mortgage company. I received no contact from XXXX. XX/XX/XXXX, I received a call from Ditech Financial ( DF ) claiming they were my mortgage company. Initially, I thought it was a fraudulent call because XXXX had not notified me of any transfer and DF wanted my Social Security number to pull up my account. I did not give them my SS number and immediately called XXXX. They confirmed that the mortgage had been transferred in XXXX XXXX to DF. XXXX stated they had sent me a letter in XXXX XXXX ; I did not receive a letter. After investigating, we found that they sent the letter to my street address and not the PO Box mailing address provided to them in the closing paperwork in XXXX XXXX. I live in a rural area and do not receive mail at my street address. XXXX never attempted to call me. XXXX assured me that all payments had been forwarded to DF. XXXX did send me the transfer notice after my phone call in late XXXX XXXX. I immediately called DF back and made sure they had my correct mailing address. I was not made aware of any late payments at that time. After I made the XX/XX/XXXX payment to DF through my bank 's website ; I received my first statement from DF which stated that I was past due and was being charged late fees. I also found that two late payments had been reported to the credit bureaus and were showing on my credit. When I called them, XXXX stated their records showed I was behind, although they could not tell me which payment was missing without an investigation. On XXXX XXXX XXXX, I filed a payment dispute and provided them with copies of my bank statement for XXXX XXXX, XXXX, XXXX, and XXXX XXXX showing the payments coming out of my checking account. DF stated they would investigate and follow up with me in 30 days. On XXXX XXXX I had not yet heard anything from DF and wanted to make the XXXX payment. I was told that the payment would be applied to XX/XX/XXXX because their records showed that I was missing a payment. I paid the XXXX payment on XXXX XXXX. When I had still not heard anything form DF by XXXX XXXX, I called. I was told that XXXX had not forwarded the XXXX XXXX payment. Supervisor XXXX told me the bank statements showing the payments coming out of my account was not proof of payment. She told me I needed to provide proof XXXX cashed the check before any attempt would be made to reverse the late fees or correct my credit report. XXXX was already closed. When I called XXXX on XXXX XXXX, XXXX stated they had no record of a XXXX XXXX payment and once again the bank statement was not proof. My Bank has faxed over copies of the canceled checks to XXXX for the XXXX XXXX, XXXX, and XXXX XXXX payments. The customer service I have received, from DF in particular, has been poor at best. In summary : I was never notified of the transfer of service of my mortgage I was never notified the XXXX XXXX payment was not recorded I have provided XXXX different forms of proof of payment I am being charged late fees Late payments have been reported on my credit I have spent more than five hours on the phone trying to rectify this situation I have done nothing wrong With this complaint I am including : My phone call record The payment dispute sent to DF Letter from DF acknowledging the payment dispute and cessation of all collection activities Collection letter from DF The transfer of service letter from XXXX received in XXXX XXXX
09/17/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NY 117XX	Web
We have been struggling to keep our mortgage payment current since my husband was diagnosed with XXXX XXXX XX/XX/XXXX. XX/XX/XXXX, my mortgage was held with CitiMortgage. I was in default one month and had an agreement with CitiMortgage to commence a repayment plan. XXXX advised at XX/XX/XXXX, in a recorded message that my mortgage had been sold and that I would be receiving notification of the new servicer. XX/XX/XXXX, I was advised that my mortgage was being serviced by Green Tree Servicing, LLC I advised Greentree of a previous agreement with CitiMortgage to set up a repayment plan. Greentree ( XXXX-my account representative ) advised me not to do anything, they would forward me documents regarding a modification, that this was a new loan and that there were so many more options available to us ( which was untrue and misleading ). I called weekly and was always informed that they did not have any paperwork from my former mortgage company and to be patient. Waiting over a month for Greentree to receive my documents, I filed my first application for a modification on XX/XX/XXXX. I called weekly to see if any further documents were required and every time I called, I had to re-fax documents because they always indicated that they never received them. When I finally spoke to a modification specialist ( XXXX XXXX ), she advised me that since I previously filed for a modification back in XX/XX/XXXX, the terms of my loan would to change : increase in my interest and the term would now be 40 years. I was unaware of this and no one ever from Greentree advised me of this prior to submitting the application for a modification. I advised Greentree that I did not want to proceed with the modification, and to proceed with the repayment plan which was recently offered by XXXX. Greentree set up a repayment plan and my first payment was to commence on XXXX XXXX, XXXX. In mid XXXX, XXXX, after finding out that my husband 's XXXX, I immediately called Greentree and advised them of this and that we would not be able to go ahead with the repayment plan since my husband would be out of work for a couple of months. I spoke to XXXX XXXX and advised her that we would have to proceed with the modification. She advised me that the application for the modification had been closed and that I would have to file a new application. On XX/XX/XXXX, I again applied for a modification. I again called weekly and was always told there were missing documents and I would refax all documents immediately to them. They continuously advised me that I had missing documents. I was advised by XXXX XXXX to continue to make my monthly mortgage payments so that I would not fall even more behind which I did. I still continued to call weekly and was told that my application was complete. On XXXX XXXX, XXXX, I received a phone call from Greentree ( new account representative -- XXXX ) and was advised that since I failed to submit all documents to Greentree, my modification was denied. On XX/XX/XXXX, I again reapplied for a modification. At this time, my husband was on XXXX recooperating from his XXXX XXXX. On XX/XX/XXXX, I called Greentree to get the status of my modification, I was again advised that my modification was denied. Greentree was well aware that my husband was on XXXX and have always been misinformed of the truth. I advised Greentree that my husband would be returning to work XX/XX/XXXX. I again reapplied and again denied. The told me to re-apply in XX/XX/XXXX when I could provide further income for my husband. The modification specialist ( XXXX ) advised not make any further payments that Greentree would NOT ACCEPT THEM. They are leading us to foreclosure. THEY MUST BE STOPPED!!
02/13/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 293XX	Web	Servicemember
XXXX we got a loan from XXXX XXXX. The loan amount was XXXX. XXXX sold to Greentree. There started our problem. When the market crashed, my husband lost his job and I lost my business. WE started the " Modification '' process with XXXX during the transition to Greentree. Greentree lost the paperwork 3 times. There was a program offered by our state that would pay up to 20 thousand to assist the people losing their homes. Greentree advised that they had completed the paperwork and that the money coming from the state wouldn't be arriving " in time '' to save our home and the only option was for us to do a modification which would be express delivered to us for our signatures. Greentree also stated that they would eliminate all the additional fees incurred and that the only money to be " placed on the back of the loan would be mortgage payments. '' I notified the state and they couldn't advise us if this was the case so, with no other options we signed. important to understanmd here that I advised them I didn't understand the paperwork and the loan amounts were off and they promised they would check it out and still I have no answers. I have tried NUMEROUS times to have them investigate what happened. They ask for a written letter in order to " fully research '' the issue. I I sent this leter to their address and they never followed through. It has still, to my knowledge, never been done. Our current payoff is now MORE than the original loan amount after 20 years.. our original loan was only for 25 years ... When I spoke to them today they say the maturity date of the loan is XXXX. Most recently - I entered into a payment plan with them XX/XX/XXXX to catch my loan up to date. I was told IF I made the payments as laid out ( and post dated ) that there would be one month that was still in arrears and at that point they would " work with me '' to bring me current. Note : The person I spoke with said " IF you make these payments and I don't think you can '' - The verbal abuse has been an issue since the first time I spoke with them. I made every payment they requested. they were as follows :. XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX That left the payment for XXXX that they said they would " work with '' and my next payment should have been XXXX. I spoke to a rep and they said they would look into it but that my home was in foreclosure. I sent XXXX and they say now that they returned it however, I have not received a check from them although they say today they sent me back {$1200.00}. I have not received these funds from them, and they have been deducted from my checking account. They even show online that my last payment to them was XXXX. They would not accept payments and now say I owe them XXXX to bring my account current. Im not sure how they arrived at this number since my monthly payments are XXXX ( or XXXX ( depending on whether you look at the bill or online ) and this has been going on for 6 months. The number is twice what it should be. I have every payment I owe them and they refuse to accept it. they have been verbally abusive in every conversation with the exception of the last one where she said I wouldn't qualify for a modification and they wouldn't change the amount to reinstate my mortgage. In payments I owe them now since its XXXX and another month has passed I should owe them XXXX. ( this is using the bill not the online amount ) I can not imagine what the additional XXXX XXXX is for. I need help. They sent a letter in the mail, I received it today about a court hearing today at XXXX. I feel like they are TRYING to take my home and I have no recourse. Please advise as soon as possible. Thank-you
05/03/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 93257	Web
I would like to send documentation regarding Errors that occurred in my mortgage payment history from Green Tree/Ditech Mortgage account that has yet to be resolved. The first was from XXXX XXXX for payment {$390.00} to my escrow acct. that was not applied. I have all supporting documentation for wrongdoing & I believe, profiteering by Green Tree mortgage from their neglect to resolve their errors made on my account & in doing so, allowed them to add and collect late fees to my account monthly.This has snowballed into thousands of dollars paid to them for their disregard of my initial & constant complaints of their errors. Specifically the second time was in the amount of {$1200.00} paid on my mortgage for XX/XX/XXXX that was not & has not been credited on my account in the years that followed. I have been a victim of Green Tree 's harassment from their constant threatening phone calls to what they thought was a past due payment. Especially in times such as these when the world seems at a standstill with isolation, hardships ; financially & emotionally, if there is goodness in this world I am asking, pleading to you to please do the right thing to help finally resolve this matter to get my account up to date & credited properly. I have been through 4 different mortgage companies throughout the years since XXXX due to the resale/transfers of my mortgage loan. With each new lender I have tried countless of times to resolve these Errors from Green Tree Mortgage since XX/XX/XXXX when the first error occurred when they took over my account. With each new lender I have to go through the repeated steps ; only to never get my account up to date & the issues resolved because my account is sold again. Ive sent emails, made countless phone calls & spoke to numerous operators of Green Tree with no resolve & have in the past, received an attempt of default notice which has been a nightmare.The aftermath from this wrongdoing has snow balled into additional thousands of dollars in fees that have continued to add up over 7 years totaling over {$2500.00}. Ive received harassing phone calls & notices of default, ignored requests from Green Tree & threats of losing my home so much over time that anxiety has caused medicated health issues from the actions of their shenanigans. Because of the unfortunate COVID19 pandemic & the required self-isolation, I have had more time to gather all of my bank & mortgage statements over last 7 years for proof of their wrongdoing. I do have all the supporting documents to supply for my case in a Plea to get my account credited where it is due as I have been a Victim of wrongdoing. Payments were made, deducted from my checking account but never applied to my loan causing excess in late fees & an appearance of default. My over payments were used for late fees instead of going towards additional mortgage.The errors that have occurred from Green Tree & the issues of not being corrected puts my account to what appears to be behind in payments. In addition to those past errors, alongside my regular payments, Ive made over payments ; additional monies that were intended to help decrease my future mortgage & reduce interest charges.Those prior funds were put in an Unapplied Fund Account for the intention of making extra loan payments, but because of the error & the alleged past due payments, portions of the extra payments were used towards late fees that had accumulated over time, also instead of paying an additional loan payment it was repeatedly applied for an alleged past due payment. Please note that there is 7 years of documentation of proof for your review including Bank & Mortgage Statements. Thank you in advance.
04/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30813	Web	Servicemember
In XXXX, XXXX, my wife and I refinanced our mortgage with Green Tree Servicing LLC. Our first payment was due on XXXX XXXX XXXX. Some time between XXXX and XXXX XXXX, XXXX, Green Tree Servicing reflagged as Ditech, A XXXX XXXX. I went to my local servicing finance office ( XXXX XXXX, Ga, where I am stationed, XXXX ) to set up the allotment. All the information was correct with my allotment ; the funds were removed from my end of month XXXX pay and sent to Ditech. On XXXX XXXX XXXX, I called Ditech to verify they received my funds. They told me they did not. I was told to call back again in five or six days. I called back after the suggested wait period to find out the status of my payment. I was told they did not receive my mortgage payment. I asked Ditech to search for my missing funds. I was told to fax over a copy of my end of month pay stub ( XXXX XXXX ), which I did. I further included an explanation of how to read the LES along with a request for a search on my missing funds. I was told to call back in a few days to verify the documents were uploaded to my account. I called back and was informed they received my request and XXXX. A search was initiated on my missing funds. During the month of XXXX, I went to my servicing finance office and verified, telephonically, with Ditech the three " company codes '' on file with the XXXX ( XXXX ). I was assured by the Ditech representative if the funds were sent to any of the three addresses provided they would receive them. I called on XXXX XXXX XXXX to verify Ditech received my next allotment. I was told they did receive the payment but I was still 30 days late on my mortgage. In the month of XXXX, I continued to call Ditech, on average of three times a week. I also received two to three collection calls a week. With each collection call, I had to remind the representative to review the notes on my account. During each call I was assured my payment was being looked for. Between XXXX and XXXX, XXXX, I spoke with over 30 different representatives, rarely the same one twice. I was told I had a designated account rep but I spoke to her only once or twice in the entire time. Finally, I was transferred to someone who seemed to actually care about the status of my account. I was told she would personally follow up on my account, which she appeared to do. In early XXXX, I submitted a complaint to the XXXX, which seemed to light a fire under Ditech. I was called by the helpful rep and told they collection calls at work and my home phone would stop. They were aggressively trying to find out what happened with my payment. In late XXXX ( on or about the XXXX ), I was told they found out what happened with my account. I was told they received my payment but for some reason did not cash it. Rather, they returned my payment to XXXX on or about the XXXX of XXXX, XXXX. I was told XXXX would reissue the payment and that my account would be brought to a current status when those funds were received. In mid XXXX, XXXX, I was told they received the funds from XXXX. This month, I notice my end of month pay was {$1600.00} more than it should be. I spoke with my finance office. I was told these were the funds from the missing XXXX payment, additionally I was told they would never reissue a check. The funds would be returned to me in order to make payments as necessary.. I called Ditech to find out what happened. I was told there was a " processing correction '' on my account in XXXX for {$1100.00}. It seems Ditech directly contradicted themselves in their conversations with me. My confidence in their ability to service my loan is shot and my belief in their ability to remain honest is also shot.
01/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ XXXXX	Web
I have written to GreenTree Servicing multiple times over the past year and a half requesting them to remove this account from my credit report due to it containing incorrect information, effecting my ability to attain a higher paying job, and effecting my qualification to purchase a home. Each time they have procrastinated, taking months to reply, or retaliated by changing the account to a more negative wording. In XXXX XXXX I was offered a job at a major bank, I was offered a position with an annual salary of {$18000.00} more than I currently earned, plus bonuses which could be another {$15.00} to {$20.00} XXXX per year. However, after performing a background check, they discovered that I had an account with GreenTree which was closed with a balance in early XXXX. After calling to determine what the specifics of that account were, they recinded the offer due it being a foreclosure. After I wrote to GreenTree requesting to lessen the negativity of the account on my credit report in hopes of retaining the job, they took three months to come to a determination that they do not remove information from credit reports, and retaliated by updating my credit report with more negative terms. With that change to my credit report the account appears to have been updated more recently, thus my credit score was lowered. Account background : Back in XXXX, we tried to work with original lender ( XXXX XXXX ) and GreenTree Servicing to avoid foreclosure. When I lost my job in XXXX XXXX we notified the original lender ( XXXX XXXX ) the first week that we were unable to make the $ 1750 monthly payments on our {$200000.00} mortgage. They were unwilling to work with me on new payment terms or allow a short sale. They threatened foreclosure, and we moved out of the house in XXXX XXXX. The account then went to GreenTree Servicing. We attempted to short sale again, we even had an offer from a buyer to purchase the home, which had been on the market for several months, but GreenTree declined. We also offered the keys/deed in lieu of foreclosure, and were denied after multiple requests. We were never offered any reduced payment terms, or any alternative to foreclosure. The foreclosure was completed in XXXX XXXX. I later found out that they denied short-sale and deed-in-lieu because we no longer lived in the house, which was ironic as we moved out after they notified us they were foreclosing. My credit report shows a monthly payment of only {$610.00} for this account. Ironically, if I had been offered those reduced payment terms then I could/would have kept the house, even without finding new employment. That incorrect monthly payment amount makes me look very pathetic, like I abandoned a {$600.00} a month mortgage. I requested GreetTree to fix this incorrect amount. After a few months of waiting, they declined again saying they do not remove information from credit reports. According to the Fair Credit Reporting Act, 15 U.S.C. 1681, negative accounts are legally reportable for a maximum of 7 years, XXXX XXXX for this account. Now that the maximum time for this negative account to appear on my credit report has been reached, the account terms are listed incorrectly, GreenTreen gave no alternatives to foreclosure, and GreenTree retaliated after my initial request, I demand this account be removed from my credit history in all major credit bureaus. As GreenTree is again ignoring my written requests, I am working with the CFPB to get this resolved quickly so I may purchase a home. Removing this account from my credit report does not harm to them, I do not understand why this company continues to act like such a stubborn, stuck up, jerk.
08/21/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 928XX	Web
Please refer to the attached documents which establishes that I continue to be harassed by XXXX and XXXX a debt collector pursuant to FDCPA laws claiming to be attorneys upholding the XXXX XXXX, but then in same breathe filing fraudulent documents on my home located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX is operating under a name XXXX XXXX XXXX XXXX " XXXX '' -- -also a DEBT COLLECTOR governed by FDCPA. XXXX knows it is working with another debt collector GREEN TREE SERVICING LLC a Debt Collector who is not a servicer and not a creditor. I have asked Green Tree Servicing LLC many times to provide PROOF of the accounting as in XX/XX/XXXX - XXXX admitted XX/XX/XXXX to me that the defunct company XXXX - originator on my mortgage papers DID NOT ADHERE to XXXX UCC laws which govern lawful written negotiable instruments. XXXX took my {$7000.00} in XX/XX/XXXX and admitted that it would be collecting bad debt with my paid from my funds Private Mortgage Insurance and would apply my monies sent to XXXX and XXXX to discharge the debt - all refunds to be refunded to me. This never happened. Instead, XXXX sold the bad debt in non-compliance to XXXX UCC laws making the alleged mortgage defective and now paid -- - to Green Tree Servicing LLC. Please refer to the attached Assignment of Deed of Trusts whereby the debt collectors XXXX and Green Tree Servicing LLC try to give the public a appearance that they have some kind of beneficial interest in my home located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Green Tree Servicing LLC IS NOT A CREDITOR as reflected in the False, desceptive and misrepresentation Fraudulent Assignment of Deed of Trust ( s ) ( they are not assigning a note or deed of trust ) NOR is Green Tree Servicing LLC a Servicer -- -- GREEN TREE SERVICING is a DEBT COLLECTOR pursuant to FDCPA and is prohibited to execute all it has done 1. Broke into my home and srtipped my home - AC/Heating unit and stripped doors. 2. Changed my locks whereby I could not enter my XXXX home and was required to hire lock smith to enter my home. 3. Window Screen damaged. 4. The Debt Collector claiming to have a contract with XXXX -- - again -- -- I was informed that this account was discharged due to its defective status -- -so how is it that Green Tree Servicing has a contract with XXXX ? I have sent Green Tree Servicing LLC proof of accounting pursuant to FDCPA and UCC XXXX to date Green Tree Servicing and XXXX and XXXX aka XXXX XXXX XXXX XXXX -have refused to prove their right to seize my home unlawfully. Please refer to the Fake Assignments used and which do nothing to allow these debt collectors from taking my home - A. XXXX Assignment Notice signer did not sign in front of the Notary- this is the Assignment which the Debt Collectors are using to steal my home on XXXX completed by XXXX employees masquerading as employees of a Dead Company B. XXXX Assignment XXXX XXXX and XXXX XXXX both were hit with fine of {$15000.00} to XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX lost his notary due to criminal document XXXX Penal Code Section 115.5 - see attached documents to prove check paid out to Powers. I do not have any relationship with Green Tree Servicing LLC and no amount of false papers will make Green Tree Servicing a Creditor or Servicer. If the Name XXXX XXXX comes up - not that she has been included in XXXX Police Department and soon XXXX Sheriff Department due to her behavior in helping these debt collectors. This is not viable debt. I have demanded proof of their accounting only to be attacked by XXXX and XXXX, XXXX and XXXX in XXXX both Debt Collectors working with debt collector Green Tree Servicing LLC.
12/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 851XX	Web	Older American
In the fall of XXXX I applied for a mortgage modification from XXXX XXXX XXXX. I was laid off XXXX XXXX of that year and decided to just retire. After over a year and a half I finally received the signed documents from XXXX in XXXX of XXXX. It was pure XXXX the entire time working with them. As soon as I received the signed documents XXXX sold my mortgage to GreenTree. GreenTree would not acknowledge that I had a modification and finally in the fall started foreclosure procedures on me. I continued to pay to GreenTree the amount each month that XXXX had come up with in the modification papers. GT would not go back to XXXX and verify that I had a modification and XXXX would not help me at all because they no longer owned my mortgage. What a bunch of deceit these mortgage companies are able to get away with. I finally got fannie mae involved and between them and proving to GT lawyers that I indeed had a legal modification and that I had never been late on any payments, at all times doing exactly what XXXX told me to do and pay what they told me to pay, GT agreed that I was telling the truth and sent me a letter in XXXX of XXXX stating what they wanted me to start paying. {$640.00}. My Principal balance was XXXX on my XXXX XXXX statement. For about the next year GT kept putting a dollar amount in my statements under the heading of XXXX XXXX XXXX. When I inquired about it they kept telling me it was lawyer fees. I fought that for about a year and finally got fannie mae back involved the beginning of this year. XXXX. GT finally said they paid me back all the lawyer fees that I had paid to them. I had no way of knowing what that was because when I asked them to show me all the money I had paid they sent me this multi page report that showed all the transactions up to that point. It was so convoluted with additions and subtractions for each month with dollar amounts that had nothing to do with PITI and never once used the words lawyers fees that I could not make heads or tails of it. I just had to take the word of a very deceiving company. After getting fannie mae involved early this year, all of a sudden, from my XXXX/XXXX/XXXX statement to my XXXX/XXXX/XXXX statement my principal balance went from {$100000.00} to {$100000.00}. Over {$2500.00} with absolutely no notice to me. I did n't even notice it myself until this last summer when all kinds of really crazy things started happening. After many calls and a few letters to GT, they told me that my mortgage had not been officially completed in their system. A year and a half after they sent me the letter confirming what I needed to start paying them according to the modification. The {$640.00} amount. Then in XXXX they said they had finished and that I did n't owe another payment until XXXX XXXX. Then in XXXX they starting calling me and asking if I was going to make my payment. That I was late. When I told them about not having to make a payment until XXXX they said that was a mistake and they I needed to make the payment. I did. And then in XXXX or XXXX they once again said they completed whatever it was that needed to be completed and that I did n't owe a payment until XXXX XXXX. When I tried to get an explanation about all this they just stoned walled me. In my XXXX statement my principal balance had gone up more to {$100000.00}. Based on my XXXX XXXX XXXX statement and based on what I pay in principal each month ( a little over {$100.00} XXXX my principal balance should be around {$100000.00}. Also, recently I inquired about refinancing just to get away from GreenTree now Ditech and found out all the negative info about the foreclosure is still on my credit report.
06/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NM 87109	Web	Servicemember
I am trying to help my mother pay down the principal on her mortgage payment and have been sending extra payments to help with this. Each time since XXXX , any extra money gets applied to future interest and I have had to call each and every time to get the money appropriately applied to principal. It happened to the payment in XXXX 2017 ( e lectronic payment th at STILL h as NOT been applied to principal ), another in XXXX that was finally rectified ) and the one in XXXX also had to be fixed. I stopped sending electronic forms of payment because they still have not fixed that amount that was sent in XXXX and instead have been sending checks since then - ea ch one wrapped with a note saying " PRINCIPAL ONLY '' in black sharpie. The last check sent in XXXX also had this written on the check in two plac es- I have an image of the check I can submit. She has electronic statements so there is no payment coupon that I can indicate for principal only on. So I have now kept records of each and every phone call that I have had to make starting on XXXX XXXX , 2017- called about {$310.00} that was again misapplied and asked again about the {$40.00} sent on XXXX XXXX electronically that has STILL NOT been applied to principal. They said they would fix and would take up t o 10 business days. 10 business days seem illegal. Also asked for a supervisor to call me because there should have been a note indicating any additional payments go to principal - I never received a phone call. ( this was a 15 minute phone call ) XXXX XXXX , 2017 - account now showing it is a partial payment. The representative supervisor, XXXX ( ID is XXXX ) told me that they have until the XXXX to do a reallocation, but that they would expedite it. Also inquired about the electronic {$40.00} that still had not been applied correctly. Told again that there would be another note indicating any extra should go to prinicipal. This is now th e THIRD note that should be on this account indicating this ( 25 minute phone call ). XXXX XXXX , 2017 - funds still not reallocated. They eventually were. XXXX XXXX , 2017 - received an email indicating that the funds I was inquiring about in XXXX were for payment not principal and that 's why they were applied as such. I never questioned the XXXX payment of {$760.00} dollars that is my mom 's PAYMENT. I understand that, and never inquired about it. It also said that moving forward, that any additional payments would be applied to principal. XXXX XXXX , 2017 - the check they received has " PRINCIPAL ONLY '' written on it in 2 places, it was also written numerous times on the note it was wrapped up in. I can retrieve images of the check from my bank if need be. Moving forward I will also be taking pictures of how exactly the check is wrapped in a note indicating PRINCIPAL ONLY also. This again was applied to interest. Called Ditech again, and this time it took them longer because they could not find the account number, they could not find the account with parents phone number, they finally found it after I gave my father 's social security number. I was told it will take 5 business days for them to reallocate the funds, and there will be a note indicating that any extra should go to principal - so now 4 to 5 notes indicating this and it still does n't help? Each day t hat Ditech illegally misappropriates funds is more money that they make because they are charging interest on the principal. I have never had any kinds of issues with my mortgage company, but then again they are n't of questionable business and moral business practices.
05/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA 98404	Web
To whom this may concern, my name is XXXX XXXX. My husband, XXXX XXXX & I reside in XXXX, Washington. We are terrified that our mortgage servicers, Greentree L.L.C., a.k.a, Ditech Financial have deliberately and systematically foreclosed on our property on XXXX XXXX, 2016, without offering us proper notification and never offering us an alternative or any other option to avoid that foreclosure ; ie., modification or some kind of repayment plan. This loan is guaranteed by XXXX. The last few years for us have been XXXX financially devastating for us. I was diagnosed with XXXX XXXX 3 years ago and underwent the whole grueling barrage of medical treatments. XXXX. I was also involved in XXXX XXXX accidents, neither my fault. These are not excuses for falling behind but circumstances that resulted in falling behind on many of our bills including our mortgage. One of the drivers that caused an accident had no insurance so we were, and still are, stuck with much medical debt. We are trying to figure why Ditech and/or Greentree did not offer us any alternatives to foreclosure when there are many programs out there that are designed to help struggling homeowners like ourselves that have realistic and genuine hardships as we have had. Each time I would contact them I was told that the full arrearage had to be paid and that was it. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. " Why were n't we told of a modification program or get us into a repayment plan, something that would enable us to avoid foreclosure? 1024.41 ( b ) Receipt of Loss Mitigation application - " A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' We never knew of a " loss mitigation dept. '' that existed ; if we had been told that we could have applied for mortgage assistance instead of being told that we had to come up with the entire balance or face foreclosure. What is now more alarming that we were n't offered help but now the foreclosure has occurred without us getting an opportunity to postpone or stop the foreclosure. Since we can afford our payments, we could have gotten in a Chapter XXXX to pay the mortgage and the arrearage to keep our house that we desperately do n't want to lose. Why were n't we notified of the sale or auction date? We never received documentation from a law firm or from the courthouse? This has been a complete travesty ; instead of giving us an opportunity to avoid the worst possible scenario that has occurred. 1024.39 Early intervention requirements for certain borrowers - I do n't feel that Greentree/ Ditech has ever provided us with a " Fair Review Process '' for a modification, as required under the Dodd-Frank Wall Street Reform & Consumer Protection Act. " CFPB 's mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure '', " borrowers should n't be surprised by the start of a foreclosure proceeding until they have had time to explore all available options ''. We strongly believe that the foreclosure occurred unlawfully ; without proper notification without any alternatives to said foreclosure. We are pleading for someone to intervene and contact Greentree, Ditech & XXXX to get the sale date of XXXX XXXX, 2016 rescinded and get the mortgage put into modification or a repayment plan so we can stay in our home that we love. Please help us anyway you can, XXXX & XXXX XXXX and family
09/19/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX XXXXX	Web
I started my mortgage with XXXX XXXX back in XX/XX/XXXX. Around XX/XX/XXXXXXXX XXXX XXXX pick it up then the mortgage got transferred to Green Tree then around XX/XX/XXXX Ditech picked it up. Finally on XX/XX/XXXX my mortgage was once more in the hand of another who 's XXXX. My original loan is $ XXXX month, at a fixed rate interest. I 'm responsible for homeowners insurance and yearly property taxes. My loan carries no Escrow. For personal and unexpected reasons my payments were falling behind but I always managed to catchup specially when I had to reinstate my home owners insurance. For some reason when GreenTree exchange my information to Ditech and I fell behind now they were claiming that I was behind over 120 days. I could n't understand why since I would make monthly payments of more than $ XXXX month. I would sometimes send $ XXXX month. I decided to question them. No one would give me the correct answer. My husband was also helping me make payments and we managed to pay more than {$3000.00} one month to no avail. The mortgage statements would have a record of the payments but for some reason the mortgage balance would be the same and the past do amount would also increase. They would tell us that I was still late because I was only making partial payments. My monthly payments are {$480.00}. I never send them less than that. During this ordeal in around XX/XX/XXXX my credit score also got ruined. I could not refinance my home. I was also not in need of a modification because I was afraid my poor credit score at the time would mean that my monthly payment was gon na go up. I 'm comfortable with my monthly payment all I need is a refund for what they claim I owe. I also need them to apply my payments to my loan for some reason Ditech was not applying my payments and I just know of several that they did n't apply I have proof. I know I was sending {$500.00} a month to them from my bank. I hired a third party to dispute charges and errors on my credit report because I need to fix my credit that 's when I found out that Ditech had accelerated my loan. I did n't receive a letter I had no knowledge that my mortgage had been referred to Forclosure. When I called Ditech. Ditech informed me of the situation and gave me a name of the lawyer firm in XXXX that was gon na foreclose on me. I asked for a telephone number and they did not have it so I had to look for that information on my own. I finally called and the lawyer could not understand why Ditech was having us and other people call them when they were Ditech 's hired Lawyersrs representing only Ditech. I had to get my own help so I XXXX for Forclosure assistance and I found XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX one of their so called paralegals took my {$1900.00} and assured me that they were gon na dispute on my behalf. I have not gotten an answer from them yet since XX/XX/XXXX. Then in XX/XX/XXXX. Ditech transfers my loan to XXXX. I also had no knowledge. I have n't gotten any information on the status from XXXX Plus XXXX Caused my mailing address to change. Ditech also made an error in changing my address to a New York address that belongs to XXXX. XXXX is not a good company they are bad at communicating and just took my money all they wanted to do was submit a modification loan. I could have submitted it my self free of charge. I was able to get a hold of XXXX and they gave me my new account number they also told me that I have a 60 day grace period so that I should resolve my dispute with Ditech and get the payments applied correctly. I hope I do get the help I desperately need. XXXX also told me I 'm not under Forclosure at this time.
08/31/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 27610	Web
In XXXX 2016, I reached out to my mortgage lender and asked if there was any assisting program that was available to me to help me keep my home since I was falling behind in payments and the payments where becoming overwhelming to me since I have so many other student loans and debts that I was also obligated to pay. The lender stated there was really no other help than possibly offering them a settlement to purchase home. As time went by I had to come up with money that I did not have and was loaned the money by a friend. First, I offered {$5200.00} what I thought was a good offer based on the information provided to me by XXXX XXXX, NC Property Tax assessed value of the mobile home. I faxed on XXXX XXXX, 2016 to my account rep. XXXX what was required a summary that the amount I offered was available in my account. After a couple of weeks the offer was declined. Next, I spoke to another representative with Di-Tech that gave me the answer of the settlement being declined. This representative stated that I needed to come up with 50 % of the balance owed which is {$10000.00} which my current representative XXXX never made me aware that I needed to start off with that amount. I have went back to the person that loaned me the money before to see if they could loan me another {$5200.00} and they did. On XXXX XXXX, 2016 I faxed an account summary that showed I have the {$10000.00} available in my account. Now, Di-Tech has required that they send someone out to take photos of the home as they did prior for the first offer, but no one ever showed and one Di-Tech a manager said we could try to submit the settlement with out the pictures. Well, that did not work and now they are requiring the pictures for sure this time. They get a technician from XXXX XXXX to come out on XXXX XXXX, 2016 to take the pictures and the technician stated it would only take 1 day for the pictures to be uploaded. The week of XXXX XXXX I called my rep XXXX everyday and they did not get the pictures. My rep XXXX stated her supervisor said it will more than likely be Monday XXXX XXXX. On XXXX XXXX, 2016 I called my representative XXXX and she stated they received the pictures of my home but I 'm missing XXXX thing the new bank summary with the {$10000.00} showing in my account. I have a fax memory transmission report *Successful Tx Notice from XXXX XXXX, 2016 that confirmed the fax went to its destination. Now, my representative XXXX says its going to take a few more days to get the fax because it does not come directly to them but to a different customer service building all together. I feel like I have been misinformed purposely to stall and prolong the settlement process and do n't think it is fair for the home owner to be dragged for months trying to conclude on this settlement process. I also am a victim of predatory lending from this same account that was at first owned by XXXX XXXX because I never saw the amortization schedule before signing the agreement and was not aware that an interest rate of 18.5 % was so high at the age of XXXX. I was not mailed the amortization schedule until a few years after I had lived in trailer. I have lived in this trailer for 15 years trying to maintain it and it has become overwhelming with all the repairs and maintenance to keep it up. I have paid over {$60000.00} in interest alone and did not know that I will only be paying on the principal after I have stayed in the home for 10 years. Please help! Please help! I feel like I have been just given the run around in this whole process. The XXXX lenders would not even modify the loan XXXX XXXX, Green Tree Servicing, neither Di-Tech.
07/22/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	TN 379XX	Web
I am filing this complaint against Green Tree servicing for what I believe is harassing and unlawful debt collection practices. Today I called Greentree to speak with someone about changing the date that my payment would post. I had originally scheduled a payment for XXXX/XXXX/15 but due to some unforeseen circumstances I was not going to be able to procure the funds necessary to cover the payment. When I called I was connected with a male customer service representative ( did not get his name ). I requested that I set up the payment for XXXX/XXXX/15 for both XXXX and XXXX 's payments. I was told by the representative that it was not an option to delay XXXX 's payment. He then proceeded to tell me about an option where we could defer the payment. This option would tack the XXXX payment onto the end of the loan and allow us to skip the payment in XXXX. I was told by him that my husband would need to provide XXXX paycheck stubs, all copies of 2015 's tax returns and a written letter from me stating that I am unemployed. I then asked him where I needed to send the these documents. He then connected me to his supervisor, XXXX XXXX. When XXXX got on the phone with me she immediately started grilling me about why we were not going to make XXXX 's payment. She asked me how much money my husband makes and when he gets paid. She also asked if I was employed. She then, in a VERY harassing tone, said that we had been able to make payments before so what was different now. I told her that my husband had had less income this month and that we just did n't have enough money to cover the bill. She then continued to harass me by stating that we had XXXX days to procure the funds to cover the payment and she wanted to know what we were going to do to get the funds. I was shocked by her rude and harassing statement and requested that I be connected with a different representative. XXXX ( did not give a last name ) got on the phone with me. While she was not as rude and harassing, she was unwilling to come up with any other plan other than for my husband and I to agree to take the deferment or make the payment on XXXX/XXXX/15. My husband then got on the phone with her and explained that he did n't want to to the deferment and would not have the funds until XXXX to cover XXXX 's payment. XXXX again stated that was not an option. My husband needed to get back to work so for no other reason than to get off the phone and get back to work he agreed to setting up the payment for XXXX/XXXX/15. We will not have the funds to cover this payment and GreenTree is fully aware of that. We thought we were doing the right thing by calling GreenTree and trying to set up a payment for XXXX and XXXX 's premium on XXXX/XXXX/15. For the record, this is not the first time we have been harassed by Green Tree. We have never been able to make our payments on the XXXX of the month. I called GreenTree Servicing and requested a due date change but they would not allow it. This particular month my husband and I had a friend who was very ill and in the hospital near death. We were gone for over a XXXX almost all day and night and we were not getting GreenTree 's phone calls. Our payment was not even a full XXXX days past due but on the XXXX of the month I got phone calls from XXXX different neighbors telling me that someone from GreenTree Servicing called them wanting to know of mine and my husband 's whereabouts. GreenTree Servicing had google searched me and found people who lived around me and obtained their contact info and then called them to inquire about me. According to my lawyer this is highly unethical as well as illegal.
07/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 40241	Web
I had filed for chapter XXXX in XXXX and did not include my mortgage company there have been numerous issues with this Ditech Mortgage and I 've tried for a few years to resolve. I could n't get anywhere with them so I entered a dispute on my credit report that the account status and loan type after my bankruptcy had been discharged with a note of missing payments. I wanted them to correct everything. I have copies of my loan yet they say it is n't correct ... umm Whatttt? What happens next blows my mind. My entire mortgage was removed from my XXXX credit report and they placed a XXXX on my XXXX with still the wrong loan type. I 'm not sure what is going on with XXXX, have n't checked it because it is n't on XXXX XXXX ... this has seriously affected my credit. Even with my bankruptcy I had a score of XXXX 's, I was never late on bills before we filed. My current mortgage is fixed rate with interest only payments ( was setup to be for 10 years, XXXX is the 10th year ) for years then changes to include P & I payments. We want a better interest rate and to get away from Ditech. Ditech is sabotaging us and holding us hostage to them because we ca n't get a better rate with all of the mortgage issues we are facing on our credit reports. It still appears on my husband credit with all the same issues as mine had and has. I told him to leave it for now until I can get some help to resolve our issues because of what has happened to me. I 've contacted Ditech so many times on my issues and made them aware the mortgage has been removed, I was told they will get it corrected and for me to call back in a few business days for an update. I 've called back each time and spoke to the manager because the my account manager is a joke.. ( it appears the manager is as well ) ... tickets are closed and unresolved on my credit. Twice the manager opened a new ticket, both closed shortly thereafter. I 've even received a letter in the mail that they acknowledge my case but then the last ticket has been closed and not one person is contacting me back because my last call I stated I 'm tired of calling and getting the run around. Before this happened they had changed my loan type and rate. We did n't file against them, we have never been late and we only filed when the economy crashed and my husbands income was drastically affected. I feel like there 's no hope and I 'm stuck with these company. I called their refinance department to get rates thinking if we refinanced with them it would fix the issue and then refinance again with another company once the credit was restored ... they see my account within their system but could not see it on my credit report and told me it was my fault for having filed bankruptcy and that they have the option to not report. Yet when i called before to open tickets they said they were reporting. I 'm exhausted with this and I 'm running out of time, we are paying a lot in interest and we need to lower our payments, this should also be our right to have a better experience and not to be punished. I 'm want to receive compensation at this point for our damages and have them correct this quickly so we can leave this company. Let me be clear, we did not go to them for a loan it was sold to them from XXXX XXXX XXXX before our bankruptcy. GreenTree Mortgage is aka DiTech Mortgage ... same company the problems i found when searching GreenTree are the same as with DiTech ... They should be fined, audited and shut down. This is not regarding making payments this is regarding handling my account, there was no other option close for the correct selection of what my issue is related to.
11/09/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 48088	Web
On XXXX XXXX, I contacted Ditech to see what I could do about our mortgage. I would have called sooner but I had knee XXXX XXXX XXXX and I was in a lot of pain. I beleived I spoke with XXXX. She told me not to contact a lawyer and told me a list of documents ( see attached ) I needed for a loan modification. I was under the impression that when I sent the documents in my account XXXX # XXXX ) would be put on hold. I faxed documents XXXX. A couple days later I called back. My account was not put on hold. The person I spoke to told me I need Uniform Borrower Assistance Form and 4506-T form. They then told me 24 hours after they recieved the 4506-t form that they would put my account on hold. They were very specific in this statement. I faxed the requested documents on XXXX. I was still unable to walk without crutches and was still in a lot of pain. On XXXX I called to see how the Load Modication was coming. I was told that my house was scheduled to go to sale tomorrow. I asked to talk to a supervisor. She said that it was up to her to do a loan modification but she would not do it. She said all I could do was show up XXXX with {$6200.00} and that they would stop the sale. She gave me a Massachusetts address and we live in Michigan. I learned that they have an office in XXXXXXXX XXXX XXXXhich would take only XXXX minutes to get to. I called XXXX at least XXXX times. I left message for XXXX and I spoke to XXXX. XXXX told me if we email them proof of funds that they would stop the sale. At around XXXX XXXX, my mom and I went to my mom 's bank XXXX XXXX XXXX. My mom told me she would lend me the money. We spoke to the bank 's XXXX XXXX XXXX about the situation. I told her I was n't comfortable sending account info to XXXX without verifing it first. XXXX the Bank 's XXXX called XXXX from Ditech. XXXX said that if we went proof of funds that they would postpone the sale. We also told him that we could make a payment right now. He said that we had to make a payment to XXXX and that it would take about 3 days to get a statement with the amount to them. I told him that I was willing to make a payment for a larger amount but they would not take it from us. He also said that he could n't send a statement to XXXX because our property was scheduled for sale. We sent the email to XXXX. I also asked them if the would accept a larger payment but they sould no. I figured they could send us a refund later or apply towards the next mortgage payment. They said evan if we had the exact amount due XXXX which I was given the day before ) that they would not take a payment until they received a statement from Ditech. They told me that they forwarded the e-mal to Ditech at XXXX XXXX. Monday we had a noticed posted on our door that the property was sold. I called XXXX XXXX court at XXXX XXXX XXXX XXXX. They said that they had all day Friday to stop the sale. XXXX after the time of sale they had all day to call and post pone it for a week. I spoke to the following people at Ditech ... .XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX supervisor. I have the following phone # ... ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX my account # is XXXX. I spoke to XXXX & XXXX XXXX from XXXX. There account # is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Pleas Help!!! We are desperate!!!! I have a son in XXXX XXXXl and a mom ( whom I take care of ) who is XXXX XXXX XXXX and lives XXXX minutes away. I can be reached at XXXX XXXX XXXX XXXX. Please leave a message because we have been screening calls. Just an XXXX, my husband is looking for work and selling crafts. THANKS FOR YOUR HELP!!!
10/20/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77550	Web	Servicemember
Ditech Financial, my mortgage servicer, offered " assistance '' for people affected by XXXX XXXX. I had called in because I was concerned about cash flow in my small business because, although I was not directly impacted by the storm, I live in the storm area. I was told Ditech was forgoing late fees and all negative reporting to credit bureaus for XXXX days for people in the affected area. I asked them to stop my auto-pay for XXXX. I was told I could just go online and make a payment and re-start Auto-Pay whenever I wanted. Just a few days later, I received a collection letter stating that my account was late. I immediately made a payment, still within the usual grace period, and called Ditech. They assured me that they were foregoing negative reporting, but I insisted on having something in writing. They refused. They said they " could not '' give me anything in writing. I fought up the chain of supervisors and finally got some statement in an email. Shortly thereafter, I got a form letter laying out their storm policy. The next month, I went online to make my mortgage payment and re-start Auto-Pay. I was given an error message that said my account was " ineligible for Auto-Pay. '' Again, I spent quite some time on the phone with customer service and was told they would have to re-set my account for me to be able to enroll in Auto-Pay. Today, about XXXX weeks later, I received a XXXX letter from Ditech laying out the reasons they dis-enroll from Auto-Pay. The problem is n't that I was disenrolled. The problem is that I was told I could re-enroll whenever I wanted and that was simply not true. I had to spend valuable time fighting with them on the phone, never received an adequate answer, and now, finally, today, was able to re-enroll. Right before XXXX XXXX, I made some changes to my home insurance policies, which are paid through my mortgage servicer. Shortly after XXXX, I received a refund of flood premium check. I verified with my insurer and deposited the check. Then, I received another refund check, for home-owners. I verified with my insurer that this check was okay and not some error, was advised it was good and deposited it. A couple days later, Ditech stopped payment on their check to my insurer, causing my insurer to stop payment on their check to me. I and my insurer both incurred bank fees due to Ditech 's actions. My fees were {$12.00}, my insurer 's {$30.00}. I have spent hours on the phone trying to get Ditech to credit this {$12.00} to my account. It is a matter of principle! If they found an error they should have handled it a different way - i.e., asking for funds to be deposited to the escrow account. They should not have simply stopped payment on a check and caused all the headaches down the road. My overarching concern is that Ditech is going to harm people in my community by their offer of " help '' on mortgage payments. Getting a collection letter that my account was late was terrifying and stressful - I have NEVER made a late payment in nearly XXXX years!! I think it is horrendous that people severely affected by the storm may have gotten such letters, too. Ditech rep, XXXX, with customer service 's response when I called in was, " Sorry you are inconvenienced by having to throw a letter away! '' THIS IS NOT RIGHT! I also simply do n't trust them now - are they really foregoing reporting and late fees? Are people going to encounter problems when they do try to pay, problems caused by Ditech, and then be penalized for that? I want someone to check them out and make sure they are not harming people under the guise of " helping '' them!
06/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02050	Web
In XX/XX/XXXX, my mortgage company XXXX notified me that the mortgage on my home had been transferred to Green Tree Servicing LLC as directed by the federal government. In XX/XX/XXXX, my home sustained a lot of damages from ice dams and falling ice blocks, including water dripping into the house from melting ice from the ice dams on the roof and a broken deck and heating system etc. A roofing company had to remove the front gutter to stop the dripping of water into the house because they couldn't break and remove the ice dam from the roof. A heating/plumbing company came to my rescue after XXXX days of being without heat and repaired the broken heating system. An insurance adjuster came the day the back gutter fell under the weight of the ice block and broke the deck. Though he couldn't get to the back of the house due to blockage of the doors by ice blocks and several feet of snow, he was able to put together a claim package. The insurance checks that I received had XXXX my name and that of the mortgage company Green Tree Servicing, so, I called Green Tree and was instructed by the representative to sign the back of the checks and send to them by next day delivery and to ensure that I enclose a prepaid next day delivery envelop for the return of a replacement check from them. So, I did as I was instructed by signing the backs of the XXXX checks in the amounts of XXXX and XXXX and sent to Green Tree by next day delivery with a prepaid next day delivery envelop enclosed on XX/XX/XXXX. Rather than do what they told me they would do on the phone, Green Tree Servicing sent me a package instructing me to send a quote for the repairs from a contractor along with a completed lien waiver and a form XXXX They also insisted that I send canceled checks for any work for which I've already paid and a bill along with completed lien waiver and form XXXX from any work already done but unpaid. On XX/XX/XXXX I sent Green Tree a bill for XXXX from the plumbing company along with a completed XXXX form and a canceled check in the amount of XXXX and a bill marked paid from the roofing company. It took several phone calls from the plumbing company and me before the plumbing company was paid and till this day, I have yet to receive a reimbursement for the XXXX I paid the roofing company. It was very difficult to find a contractor who was willing to complete a form XXXX for work they have yet to do but on XX/XX/XXXX, I sent a quote for the repairs from a contractor along with a completed form XXXX and a completed lien waiver to Green Tree Servicing. Rather than send the money for the contractor to start the repairs, Green Tree sent a response, demanding more things that were never on the list of items. It is summer and I can't open my windows or the sliding door that leads to my deck. The deck is also broken, so, I can't use it and the house has no gutters in both front and back, while the areas where the water dripped into the house may have mold building up within the walls. In addition, the shed in the back of the house is almost broken in the middle because the weight of ice on it caused a depression in the middle. Basically, I can't repair my house because Green Tree Servicing, LLC has refused to send me the money I sent to them in XX/XX/XXXX for their signature. Out of the XXXX I sent to Green Tree Servicing on XX/XX/XXXX, only XXXX the amount paid to the plumbing company has been disbursed till date. I need to repair my home as soon as possible. Please help me ensure that Green Tree Servicing sends me the remaining XXXX to repair my home as soon as possible.
08/05/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	PA 154XX	Web
My loan is serviced by DiTech/Green Tree, held by XXXX The original equity line of credit on my home was taken with XXXX. I filed a complaint in XXXX of XXXX concerning how this account has been handled. Rather than making an attempt to rectify the problems, DiTech and XXXX has taken steps to mock my concerns in the original complaint. In XXXX, final payment was made on a bankruptcy case in which this loan was listed as a creditor. While most payments were cashed throughout the bankruptcy case, there were several that were returned and subsequently placed in a holding account with the bankruptcy court in Ohio. There is more than {$2200.00} that still remains in that account, which is now going on two years just collecting dust. My original complaint demanded that DitechXXXX take the proper legal steps to receive the payments from the court, thus significantly reducing my current loan balance. I had also requested that they remove my late husband 's name from their mailing list, as he passed away in XXXX of XXXX. They were sending " Privacy '' letters/statements to me in my now-remarried name, and a separate letter to my late husband. A representative at DiTech told me that they were required " by law '' to send those letters to anyone listed on the loan, including the deceased. Since the initial complaint was filed in XXXX XXXX, I 've experienced more difficulties with DiTech, and I 've had no problem verbalizing my complaints with their reps. I 've mailed XXXX checks that have n't been cashed, so I 'm in a position that I must call or have my payments perceived as " nonpayment. '' When I call to make a payment, I am transferred and transferred, on occasion up to five times, before being placed with someone that is " allowed '' to take my payment. In my XXXX XXXX complaint, I stated that Green Tree/DiTech and XXXX have known that more than {$2200.00} sits with the court since approx. XXXX XXXX. They 've known about this money and, until my last complaint, had taken no steps to retrieve it from the court. After my complaint, XXXX and DiTech have childishly mocked my complaint in an incredulously egregious manner. First of all, the less-flagrant games came with the " Privacy '' letters. They stopped sending them to me and now I only receive them for my DEAD husband - the opposite to their response. Secondly, and outright mockingly and deceptive, in my opinion, they filed a petition with the bankruptcy court that had NO supporting documentation showing their right to this money. According to the bankruptcy court 's denial of the petition, there was no supporting documentation attached at all. In XXXX of XXXX, I gave them 30 days to properly file the petition for these payments or expect a civil lawsuit, and a request to the bankruptcy court to deem this loan paid in full. I 've also been told that I can make a payment with anyone that answers the phone, but, thus far, even that has not taken place. I do n't understand why I ca n't make a payment online like non-bankruptcy customers. Being allowed to make payments without having to deal with this company directly would be much easier and more efficient than calling, as I actually know what I 'm doing and I would n't have to deal with the continual runaround that these companies seem to enjoy engaging in every time I call. I am not the only person that 's having problems with DitechXXXX, and this is n't their first go-round with Bankruptcy courts. Knowing that makes me want to bypass this complaint process and just start a lawsuit, but I will give them XXXX last chance to fix their childish behavior.
06/25/2015	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	MD 20886	Web
Back on XXXX XXXX, XXXX I took out a mortgage for 30 years with XXXX XXXX Mortgage with it being transferred to Green Tree around XXXX XXXX, XXXX. The first 10years/120 are Interest only at 5.5 % with the rest of the loan, 20 years/240 months an Adjustable rate. On XXXX XXXX the XXXX change date of the Mortgage has the rest of the loan based on the current Index for the one-year-LIBOR rate. The Note Holder calculates my new interest rate by adding 2.250 % points to the Current index, then round the result of this addition to the nearest 0.125 %, subject to the limits of no less than 2.250 % and no greater than 10.500 %. Then the Note Holder then determines the amount of the monthly payments for that year that would be sufficient to repay the unpaid principal of what I am expected to owe at the Change Date in full on the Maturity Date of XXXX XXXX with limits on my interest rate would not be greater than 10.500 % for the first Change Date. Thereafter my interest rate would never be increased or decreased on any single Change Date by more than 2.000 % from the rate of interest I have been paying for the preceding 12 months and the interest rate would never be more than 10.50 %. My Mortgage document does state that I am supposed to receive a document with my new current rate 45 days before the change date, XXXX XXXX. Green Tree Servicing LLC did send me a document with the New Rate which I received just after XXXX XXXX, XXXX. The information on that document has correct and incorrect information ( please see attachment XXXX ) Monday, XXXX XXXX, XXXX I received my statement for XXXX XXXX with the amount I owe of {$22000.00} and that it is due by XXXX XXXX, XXXX and it still had my old interest rate of 5.5 %. The next day, Tuesday, XXXX XXXX, XXXX I called Green Tree and asked about the errors of {$22000.00}, the old interest rate of 5.0 % in XXXX 's statement, and the errors on the change document. After checking with the supervisor I was told that they have to investigate. Friday, XXXX XXXX, XXXX I called Green Tree Servicing LLC back since I had not heard from the supervisor like I was told. This time I spoke with XXXX and brought her up to date. XXXX did see that I had called in Tuesday, XXXX XXXX, XXXX and told me she was now putting it in for a review/investigation. I asked her was n't that already in the notes and she said all that was in the notes was for a supervisor to call me back. I was asked this time to Fax the information I had which I did this same day to the number provided. Since then I have kept in touch with Green Tree. Monday, XXXX XXXX, XXXX I called asking for an update on the investigation and I was told that they had sent out a letter XXXX XXXX, XXXX stating that the accelerated payment of {$22000.00} was incorrect and that my interest rate is 3.000 %, also they said that my credit report is correct and if it is not to send the information to them. As of XXXX XXXX, XXXX, I have yet to receive the letter sent XXXX XXXX, XXXX and that for the credit report information, Green Tree Servicing LLC got it back on XXXX XXXX, XXXX ( Faxed ) and XXXX XXXX, XXXX ( Sent to them ). I have received a letter stating they are investigating, but I have yet to receive the letter sent back on XXXX XXXX, XXXX, stating that the information of accelerated payment of {$22000.00} was incorrect and that my interest rate is 3.000 %. Attachments : *CFPB_Full_Letter ( Too much to enter online ) Letter Faxed to Green Tree Servicing XXXX XXXX by Certified Mail to Green Tree Servicing LLC with return XXXX Faxed and XXXX XXXX XXXX XXXX New Info ) XXXX
10/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ XXXXX	Web	Older American
Consumer Financial Protection Bureau Complaint XXXX This complaint deals with the complaint that I filed earlier. I did not know how to go back to that complaint and add to it. I filed a complaint against Ditech mortgage company for harassing procedures involving notifying me of non-payment, late payment, etc. I was receiving many automated calls telling me to contact them and that I was being assessed late charges. This has escalated. I am still receiving calls. In addition I am getting harassing letters, which include notifying me that I am late ; that I should consider loan modification, refinance, or sell my home and find housing that is more affordable. Each time I call them and a representative tells me that I am not delinquent. In fact, I have always been on automated payment through my bank ... so I know that I do not miss payments. I have asked to talk with a supervisor on numerous occasions to be told that there is not one available. That I can have one call me. I have not had anyone call me. In addition, I was told to submit an application for biweekly payments. I was told to e-mail the first one. It got lost. The said they never received it. I faxed the second one. I filled it out under the direction of the company representative. I then received a notice from Ditech notifying me that they denied my application because I requested that they set the due dates outside of when they take payments. They told me to resubmit ... but did not inform me as to the parameters of the dates. I called again, and again I completed the application under the direction of the representative. I received 3 letters informing me that I was late and threatening a fine. I had an " Urgent '' message taped to my front door informing me to call them to arrange a meeting to discuss my account. I called the name and number of the representative assigned to me. I called and was told that I could not speak to her because I was not delinquent and she would only talk to someone about load modification. Since I was not delinquent, she would not take m calls. I am finding discrepancies in their billing and application of my payments. They are not crediting my account on the day that they received payment. They wait until later when they think that I have a complete payment. They added a {$2700.00} adjustment to the principal of my loan. They said that they had overpaid my principal. They are reporting that I am paying more interest each year. There is a significant difference between reported interest and the principal amount. My payments + the reported interest do not match the proposed increase in principal. I am unable to work with anyone who can help me. I have tried to contact someone who can help, but am unable to get past the general customer service people and they tell me that everything is fine .... And they refuse to move me to the next level. I asked for a history of all of my payments and principal amounts that correspond to them. I was told that I had to request that in writing. ( Their on-line records only go back 1 year ) I am XXXX years old and am trying to pay my mortgage down quickly by making bi-weekly payments that exceed the normal monthly payments. They are not crediting me the correct amounts for interest .... Which they are overcharging and not applying the correct amounts to the principal. I believe that they have put tactics in place that are abusive, illegal, and unscrupulous to allow them to continue their predatory practices to cheat consumers. I can not work with them because they refuse to even acknowledge me. Please help me.
03/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 472XX	Web
On XXXX XXXX XXXX i lost my job. I was with out a job until XXXX XXXX XXXX. I fell behind on my mortgage and was unable to catch it up. Luckily i learned of a program in my state called the hardest hit fund. They paid my mortgage up through XXXX/XXXX/XXXX at this point i would start making my regular payments. so on XXXX/XXXX/XXXX i called to make my payment and The Gentleman that was the representative for DITECH Servicing told me there were still {$1700.00} just sitting and waiting to be applied to my payments he said once this happened i would need to make a payment of {$74.00}. once this was done this would pay me current until XXXX XXXX XXXX. I said are you sure because i thought the hardest hit fund was only going to pay me up until XXXX/XXXX/XXXX. He said yes Sir I am completely positive im sitting right here looking at it. I said well ok so he ran my card for {$74.00}. I got home told my wife what had happened she then called them and spoke to a lady representative and asked how much we owed for this month, the representitive said Mamm you are paid up until XXXX XXXX XXXX she ok are you sure we do not owe any thing she said i am 100 % certain. So my wife hung up. We assumed the system had messed up when they were applying the funds from the hardest hit fund. We recieved our statement in the mail it said paid up until XXXX/XXXX/XXXX. So we thought everything is ok. Well on XXXX/XXXX/XXXX i received a call from the representitive with DITECH Servicing and she told me that i needed to pay my account and that it was almost 60 days behind. I said how is this possible they said the only payment they had received was a payment of {$74.00} i still owed {$1700.00}. They then told me that the {$1700.00} in funds was in a check that a gentleman from California wrote and just so happened to be for the amount of what my house payment was for and he had written my account number on the check. They realized it was a mistake and so they reversed that payment leaving me now owing the {$1700.00} and they want it paid immediately. So i asked for my Designated account rep to give me a call so i could speak to one person about all of this. She did so on XXXX/XXXX/XXXX she said it was very confusing and would need to do some research on it. so she called me back XXXX/XXXX/XXXX and tells me there is nothing they can do for me that i must pay these funds i said there is no way i can t=do this i do not have the money. i said shouldnt be responsible for a mistake on your companies side. So she transfers me to her supervisor the supervisor was so rude it wasnt funny she said Sir what would you like to happen out of this? Just make this amount disappear make it vanish? I said well yes i think you guys should eat it this is not my fault and you have said that but now im left oweing for 2 months worth of payments. and you guys do not care. She said the best we could do is split these payments up into 4 months and you will {$430.00} on top of your current payment each month. I said how in the world am i supposed to afford the extra {$430.00} a month? Then she said if you do not except foreclosure proceedings will continue and will stand have a nice day sir goodbye. Now i do not know what to do or how i will afford it?? Please help!! After all of this i have started looking online and Ditech Used to be called Greentree Servicing and now their are law suits against both companies right now pending and tons of complaints for the same problems i am going through right now. This is unreal! Can not believe i am going through this and could loose my home over it!!??!!
11/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95008	Web
I have a 30 year fixed-rate mortgage that is currently serviced by Ditech. Ditech has serviced this loan since XX/XX/XXXX, and the fixed monthly payment since that time was {$2000.00}. Some time around XXXX of XXXX, Ditech apparently increased the escrow portion of the monthly payment, increasing the total monthly payment to {$2100.00}. I never received any notice of this change via US mail or email. In fact, I had never received any mail communication from Ditech since they started servicing my loan. I had received information about the servicing transfer from the prior servicer, and had used that information to have my bank automatically send the payment every month. It turns out that Ditech was sending all correspondence to the property address, rather than my mailing address ( this is a non-owner occupied property ). So that is perhaps why I never received any notice from Ditech about the escrow payment change. So, I continued to pay the same payment amount of {$2000.00} on time each month. Ditech received my XXXX payment on time, but did not credit any of it to my account. Instead, they held it all in suspense and considered the entire monthly payment to be late. They did not refuse the payment, so I had no indication from my bank that there was any problem. Ditech did not contact me by any method to inform me of the " late '' payment. I received nothing by mail, nothing via email, and no phone calls. I accidently discovered what was going on a couple months later when I logged into the Ditech website to check on something else, and saw that there was a late payment fee on my account. I called and spoke to a representative ( XXXX, ext. XXXX ) and explained the situation. She discovered that they had the wrong address for me, and had been mailing correspondence to the property address, and not my personal address. She talked to her manager and agreed that this was their fault, and that my payment should not be considered late. They removed the late charge for the month of XXXX, and I sent in an extra payment to cover the short escrow amount ( {$150.00} payment on XX/XX/XXXX). I assumed everything was fixed, and they claimed that my mailing address was updated. The problem is that Ditech is still reporting this to the credit agencies as a delinquent payment, which is affecting my credit scores adversely. I do not feel this is fair at all, since I sent in my payments on time every month, and it was their mistake in not informing me about the payment change. This is clearly not a normal case of delinquent payment, and should not be treated as such. I have called Ditech multiple times asking for a written letter to give the credit agencies in which they state that the problem was their fault, they reversed the late charge, and that my payment should not be considered delinquent. They refused to provide me a letter. I also requested that they directly contact the credit agencies and fix this problem. They will not allow me to talk directly to anyone who can make a decision, and only say they will review the problem, but that they think the late payment is valid ( which makes NO sense, they already admitted it was their fault and reversed the late charge 4 months ago ). Not only was it their fault, but during my most recent call the agent discovered that they STILL had my mailing address wrong!!! Supposedly it has been corrected ... again. Attached are the XXXX and XXXX account statements that show the change in payment amount, the late fee initially assessed, and the XXXX statement that shows the late fee was removed.
07/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 73130	Web
1. I purchased a home in XXXX of XXXX and acquired a fixed rate mortgage from XXXX XXXX. XXXX handled my loan until they were bought out by XXXX XXXX XXXX. In the XXXX+ years these XXXX financial institutions handled my mortgage loan, my payment, including principal, interest, escrow, and PMI , was {$760.00}. In XXXX XXXX, I received a letter from XXXX XXXX XXXX ( XXXX ) stating my loan was being transferred to Green Tree Servicing, effective XXXX XXXX, XXXX. I was also assured that the transfer would not affect any terms or conditions of my loan, and my monthly payment would not be affected by this transfer. For the first XXXX months, my monthly loan payment ranged from {$1200.00} to XXXX. Each time I called Customer Service I got a different reason for the confusing payment amounts, but was assured they would have it straightened out shortly and the amount would return to the original amount of {$760.00}. Finally, in XXXX XXXX, the payment returned to the original amount. When I received the first Annual Escrow Account Disclosure Statement from Green Tree in XXXX XXXX, it showed a net surplus of {$620.00} ( plus a " cushion selected by servicer amount of {$220.00} '' ), and I received a check in the amount of {$620.00} shortly thereafter. I called Customer Service XXXX times to determine what to do. I was told each time that there was no mistake, the check was mine to spend. Sure enough, I received a letter from Green Tree on Apr XXXX, XXXX advising me my escrow account would have insufficient funds to cover my property taxes and insurance payments unless I returned the check, so I did. My payment stayed {$760.00} until I received the XXXX Escrow Account Statement, dated XXXX XXXX, XXXX, which stated I had a shortage and/or deficiency in my escrow account in the amount of {$1200.00}. I had the option of paying the amount in full by XXXX XXXX ( impossible on my fixed income ), or the amount would be added to my monthly mortgage payments. My payment increased to {$840.00}. Again, I called Customer Service and was told the increase was due to increases in my insurance and property taxes. Is this even legal? How could I go from a surplus in my escrow account to a deficit of {$1200.00}? There was also a line on the statement " cushion selected by servicer - {$530.00} ''? Customer Service rep could n't explain this. The next Escrow Statement I received ( XXXX XXXX, XXXX ) showed I now had a shortage in my escrow account of {$1600.00}. Again, my option was to pay the amount by XXXX XXXX, XXXX, or the amount would be added to my monthly loan payment - which was now {$900.00}. And again, the " cushion selected by servicer '' of {$640.00}. How the hell can my escrow go from a surplus to a deficit of {$1700.00} in 2 years? At this rate, my loan payment will be {$1000.00} within the next couple of years. I ca n't believe XXXX and XXXX handled my loan for XXXX + years and never had to raise my payment, and I 'm quite sure my insurance and property taxes increased during that time. I am medically retired and live on a fixed income from retirement and XXXX XXXX. My medical retirement check does n't even cover my mortgage payment now. I sent a " qualified written request '' using your sample letter template to Green Tree, dated today. I do n't know what else to do or who else to complain to. I just know I wo n't be able to afford my mortgage payment if it continues to increase each year the way Green Tree is doing it. I appreciate any help you can offer me. I have all of the documents referenced above and I will fax them to you if need be.
08/15/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33137	Web
Our clients, XXXX and XXXX XXXX, who have lived in their home located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( with loan number XXXX ) since XXXX was granted a trail period plan from their former servicer Green Tree, which caused Green Tree 's attorney 's to file on XXXX XXXX, XXXX a motion to cancel the foreclosure sale. The XXXX XXXX sale was cancelled ; and on XXXX XXXX, XXXX and XXXX received an offer to modify their loan, albiet, initially, on a trial period plan ( TPP ) basis. After accepting that TPP, executing it and making XXXX timely payments with good funds, but before issuing a permanent loan modification, which ostensibly they were required to do, Green Tree transferred the servicing rights of the XXXX 's loan to Ditech/BOA, which refused to honor the Green Tree agreement and refused issue a permanent loan modification. Instead the Dalids were required to submit a new request for mortgage assistance together with a complete financial disclosure package, as if they were starting the loan modification process all over again from scratch ( which ostensibly breached Green Tree 's implied covenant of good faith and fair dealing, which would have required Green Tree to issue the XXXX 's a permanent loan modification agreement. Once again the Dalids completed the requested forms and obtained not a permanent loan modification agreement, but another, this the second, TPP commencing on XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, attorney for plaintiff, filed a motion to cancel the XXXX XXXX sale, but this time Judge XXXX XXXX XXXX, senior judge, denied the motion and on XXXX XXXX, Ditech/XXXX through its attorneys, proceeded with the sale resulting in the Clerk of the XXXX XXXX in case no XXXX to issue a certificate of title of the XXXX 's property into BONY-M 's name, as Trustee for the Certificateholders of the XXXX, XXXX, Asset backed certificated, XXXX XXXX, despite the fact that the XXXX 's continued to make their TPP payments in XXXX, XXXX and XXXX XXXX/Ditech and their counsel failed to dismiss the lawsuit, instead on XXXX XXXX, XXXX lender 's counsel continued prosecuting the foreclosure case seeking to have the XXXX 's removed from their home in clear contravention of the CFPB guidelines. Then, the XXXX XXXX hearing on Plaintiff 's motion to for a writ of possession was rescheduled with the expectation that the lender and its counsel would simply dismiss the foreclosure case ; however, rather than dismissing the case, DITECH/BOA and its counsel rescheduled the hearing on the writ of possession for XXXX XXXX, XXXX, after the XXXX 's filed an objection to the foreclosure sale, issuance of certificate of title and motion to vacate and/or set aside the foreclosure sale and memorandum of law in support. Lender 's counsel failed to show up at the hearing on XXXX XXXX and therefore the court entered an order deferring the hearing on the Motion for Writ until XXXX XXXX, XXXX. Prior to the hearing, the XXXX 's filed proof of payment of their XXXX trial period plan payments together with an affidavit. Nonetheless, rather than staying the proceedings or dismissing the case, as CFPB guidelines require, lender, through counsel, moved forward with its motion for writ of possession. The judge ruled in favor of the XXXX 's and denied the motion for the writ and rescinded the sale and vacated the certificate of title. The court then entered an order granting the XXXX 's their attorney 's fees and costs. The XXXX 's were recently notified that their lender 's refuse to pay the attorney 's fees and costs.
02/08/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CT 06489	Web
To whom it may concern. This is an extension of the complaint that I filed against Ditech Mortgage on XX/XX/XXXX. Please revert to that complaint for your reference. After my last complaint I was contacted by Ditech and was finally approved for a deed in lieu on XX/XX/XXXX. Since then I have relived my year long battle/nightmare with Ditech. I have tried to sell my home. I have tried to short sale my home. I have tried to do a deed in lieu. All of this started in XX/XX/XXXX. Ditech took responsibility in their response to me in the last correspondence I had with them, i.e. there constant foul ups lasting a year. I have applied for a short sale 3 times, then deed in lieu an additional 5 times. Reason being the account reps would either not know what they were talking about it when discussing my application or the account reps would flat out lose my application. That being said I was relieved on XX/XX/XXXX when I finally got a letter from Ditech stating that I was approved for a deed in lieu. Of course I had to be able to provide marketable title. I began my relationship with the deed in lieu department and a rep named XXXX. We started off great and she was professional, and that all changed Friday XX/XX/XXXX. I had spoken with XXXX right before XXXX and she alerted me that there was a lien on my property and I needed to clean up before my deed in lieu could be processed. I said no problem and contacted my property management company to find out what this lien was and how much I owed. When I spoke with XXXX XXXX XXXX, they explained to me that there was a loan taken out by our condo association from XXXX XXXX XXXX to put up new vinyl siding about 5 years ago. I asked them how much I owed and was told that I owed XXXX dollars which I paid off that week. XXXX in the deed in lieu department then told me that I needed to get a partial release from the lien holder in order for XXXX XXXX to sign off on my deed in lieu. XXXX then said that it had to be recorded in a county courthouse as well. This is when all the problems started. I am not able to get such a letter. The reason being is that even though I paid off my portion of the loan on my condo, the lien/loan is spread across all 82 unit owners in my association. Obviously I can not force all 81 other owners to pay off there portion owed. Therefore, the condo association could only give me a letter saying that my portion of the loan was satisfied. XXXX XXXX XXXX can not give a partial release because the loan is not satisfied due to the other homeowners still owing for the loan. When I explained this to XXXX it seemed like she was working with me up until XXXX. Then the communication stopped. She finally called me back after weeks of calling on XX/XX/XXXX and rudely and unprofessionally explained to me that I was in a " catch 22 '' and since I could not provide what XXXX XXXX wanted that there was nothing else I could do. She also told me I was done and could not speak with anyone else in the department because she handed of my file to the closer. I am incensed. No one can make a call to XXXX XXXX or the title insurance company and explain this to them? I am sure it is not the first time this has happened. It is absolutely ridiculous to me the way that everyone I have come into contact with at Ditech is incompetent or just not interested in doing the right thing and helping someone who is clearly in financial hardship and needs help. I am hoping someone uses common sense here and helps me out. Now I call all around the deed in lieu department and no one calls back. Please help.
03/01/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 63114	Web
Complaint # XXXX Ditech- Re-occurring Issue New Complaint My home loan was Originally with XXXX then Greentree now being serviced by Ditech, .I believe XXXX XXXX thru today XXXX. I have been expeirncing much difficulty with this company.. In the Months of XXXX Thru XXXX of XXXX I have been seen discrepancies I am on a BI-Monthly payment which is every other Friday deducted out of my XXXX bank account. I started to notice in XXXX, XXXX Late charges being applied to my account, when I called they said it was a computer err and would ask that the fee be removed, Again the following month another Past due charge was applied ... I called again ... " They will request this be waived '', Computer err my account is in good standing ... Then come XXXX ... I get a NON so Nice man Beating on my door, handing me a notice to Call Ditech.. I call they say, well that 's strange nothing 's wrong your account is in good standing ... then I receive a letter notifying me that there has been a collection agent assigned to my account XXXX at XXXX ... PLEASE CALL " This communication is from a Debt collector. I call .... They say well that 's strange, your account is in Good Standing ... THEN on XXXX I receive a Notice : This letter is to inform you about a Loss Mitigation : Temporarily Forbearance Agreement, which gives you time to pay your monthly obligation, If I are unable to make my payments, my best option was to call XXXX to find more AFFORADABLE Housing or loss Mitigation .... Again This communications is from a Debt collector Ditech- In an attempt to collect a debt, the longer you wait or the further you fall behind on your payment, the harder it will be to find a solution. Every time I call Ditech, I have to start from the beginning to be transferred to a supervisor only to be disconnected ... After 10 Calls or MORE, I spoke with XXXX a supervisor and explained the letter I had received in reference to the Forbearance, he said well that 's strange your account is in good standing. When I asked that this letter of collection be retracted he clearly declined saying that last letter was only a sales tool and did NOT need to be retracted. I explained to XXXX I am a XXXX and working for a XXXX that I know what a forbearance agreement is, He stated : I DON '' T want or need to hear again that you 're a XXXX and do n't need to know that you know what a Forbearance agreement is, this was just a sales tool to allow us to refinance you loan with Ditech. NO WE WILL NOT RETRACT THE STATEMENT your account is in good standing Now in XXXX XXXX, I mailed Ditech a check in the amount of {$850.00} as an Escrow payment due to changing my homeowners insurance, Clearly Marked " ESCROW '' Ditech received this payment on or about the XXXX, they unapplied the payment then took the funds as a future payment, but my Principal balance continues to Increase not decrease ... Before they applied this payment my Balance on XXXX/XXXX/XXXX was {$38000.00}, the statement of XXXX/XXXX/XXXX shows XXXX The pay-off quoted to me on XXXX was {$39000.00} which did not include any XXXX or XXXX Payments, as they tried to tell me that the {$850.00} went toward the XXXX payment so I canceled them from withdrawing any more funds from my XXXX account and mailed them my payment for XXXX XXXX well before the due date. Now ca n't they show me where the {$850.00} payment went or how it was applied, when again my account was in Good Standing and they take Bi-Weekly withdrawals out of my XXXX Checking account ... When I call them all I get is transferred many times and hung up on
05/12/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	FL 33781	Web
Last year I filed with CFPB a complaint that XXXX XXXX XXXX committed fraud. After filing my complaint XXXX did file a Motion to Vacate the Final Judgment, Certificate of TItle, Cancel the Foreclosure Sale, Dismiss the action and Release the Lis Pendens, Order dated XXXX XXXX, XXXX. XXXX county CIrcuit court Case Number XXXX. XXXX XXXX, Specialty Servicing Advocate II Social Media Team Office of the CEO and President of XXXX XXXX XXXX XXXX XXXX, Phone XXXX, extension XXXX had told me that XXXX would help me giving me with a Loan Modification, he asked for my husband, XXXX XXXX, who died on XXXX XXXX, XXXX, death certificate along with any income I may have. He kept informing me with weekly calls that ( I have all recordings ) telling me do n't worry XXXX wanted to help. After sending the death certificate, along with my income they wanted me to sign a Assumption of Mortgage. On the original Note, My deceased husband was the only one who signed the Note, the Deed/ title was in both my name and my late husband. He did not leave a Will, there was no Estate filed, he did not have life insurance. XXXX XXXX XXXX Loan # XXXX, under Florida Law the title should be in my name since the Deed was in both our names and it was homestead property. I did not sign the Assumption of Mortgage because the title should be in my name, I do not owe XXXX anything because the Note was not signed by me, it was signed by my late husband. Before my husband 's death, there was a Trial Loan Modification for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which the payments were made, the representative who handled it was XXXX XXXX, Customer Relationship Manager, XXXX with XXXX, XXXX XXXX, XXXX all the income information was faxed to him, he handled it from there with the payments for the Trial period. XXXX, XXXX the representative told us we were approve for the modification, she said do n't worry the foreclosure hearing will not go through on XXXX XXXX, XXXX, underwriting for XXXX said we would receive our payment booklet at the end of XXXX, XXXX, payments were approximately {$1200.00} monthly. Unfortunately, my husband, XXXX XXXX died unexpectedly on XXXX XXXX, XXXX, XXXX days before the hearing, I was devastated, and under duress we were married for thirty years. We have a daughter who is XXXX I have to take care of she has XXXX. This is my homestead, the title should be in my name, right of survivorship. XXXX XXXX, XXXX XXXX sold the mortgage to Green Tree, Account Number XXXX, when I called them and explained everything they said they could not talk to me because my name was no where to be found. XXXX failed to let them know that I am on the deed, XXXX never sent them the death certificate or told them about the Loan Modification in XX/XX/XXXX. We had a bad storm which took off some of the roof of the house, XXXX was suppose to have insurance on the home. Green Tree sent a letter to my late husband stating that there was no coverage on the home at the time of the storm. Now they are sending billing statements, XXXX can not get away with this FRAUD the Government has to do something to help me get the TItle back in my name, please research this for me I have asked XXXX for months to refund the money for the Trial Periods we paid to them in XX/XX/XXXX, but they keep ignoring me, they are taking advantage of me, Please have President Obama read this I need help to get my homestead back I have been living here since XX/XX/XXXX. Thank you. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX is a illegal bank and will continue to do this to people.
12/31/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 93063	Web
I have been trying to find a way to re-finance my home. My current loan is current but I have exhausted my resources because of an illness and I do n't have the money to pay my XXXX payment. I am XXXX and I became very sick around mid XXXX My sons have moved out on their own and my income has decreased. currently I make XXXX per month ssi. I contacted Hud several times over the past few years trying to get ahead of my income changing and was told to sit tight as I had the best rate available. Most currently XXXX XXXX .... Hud referred to a loan counselor over that time and none offered help as I was working with an already modified loan at 2 %. But my loan only fixed for 5 years which has since passed. Now the rate is going up every year by 1 %. It is currently at 3 % and moves to 4 % XXXX. The most recent effort to refinance or re-modify. I have met all terms of my Loan Mod. So I called Hud and was referred to another counselor to help with the servicer of my loan. Most recently XXXX. client id XXXX. XXXX XXXX XXXX. She took my financial information, and told me that because I had completed my loan mod payments on time that I should qualify for the principle reduction program. We made a conference call and while holding we were cut off. I have been trying to call the servicer for weeks now as well as the counselor ... and no one is calling me back. I want to keep my home as I am XXXX on a fixed income. I would not have enough money if I sell as rents are even higher than my mortgage. I do n't have anyone except a my XXXX sons who live in the same town to help me with my XXXX issues. There is NO affordable housing in my area. I was told by the housing counselor I had NO CHANCE of getting section 8. and there are no other alternatives for me but to sell my home which I owe XXXX and is worth about XXXX. I have lived here for almost XXXX. My son now would like to help me keep the house as well. But I cant get thru to XXXX. He makes about XXXX per month. My Servicer is Ditech my account number is XXXX and I was given the name XXXX XXXX XXXX along with a customer id XXXX. My original loan was with XXXX but they tranfered it to a company called Greentree, then Just a few months ago to Ditech. I have called all three for help. I have called and held for XXXX at Ditech many times ... at least XXXX, and have called springboard back to help me get thru. We were cut off and now they have not returned any of my phone calls. NO ONE is responding over weeks of frustration ignored messages and plain ol just letting me drown out here. Just to add ... XXXX forced me to sell my home of XXXX when I became XXXX ... .this was in XX/XX/XXXX during the crash. Because of the crash I lost XXXX of dollars on my home and most of my equity ... but I finally sold and moved here. It was bank owned and I was not informed of the many many MANY repairs that drained my savings account. I had not been notified of a special assessment on my Home owners association dues so they were XXXX dollars a month higher and I had health issues which cased great strain on my budget. My son has now become a XXXX. he has a steady income and wants to help me keep my home by participating either in a refinance..or simple contributions to the home to help me. He is a XXXX but he this is his home where he lives when he is not on base. I have been trying to talk to the bank about this as well as inquiring about the principle loan reduction program XXXX XXXX at XXXX said I qualify for. I have drained my savings entirely ... and I need help. Please feel free to call me.
11/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60202	Web
We had submitted a previous complaint about Ditech Financial. They responded, but Ditech Financial was erroneous in their response and again we believe we have been a victim of illegal business practices by Ditech Financial and are requesting assistance from CFPB. We had requested that an Escrow Account NOT be applied to our mortgage. Ditech said that under the Illinois Law, XXXX XXXX requires that an Escrow Account be attached to an account if taxes are late or delinquent. We contacted XXXX XXXX, and they said this was NOT true. Initiation of an Escrow Account for late taxes, " is at the discretion of the company/Ditech ''. We were customers in good standing, and Ditech refused this request, even after we paid our taxes in full and produced documentation. We requested in XXXX, XXXX, XXXX and XXXX for them to contact the XXXX County Treasurers office to retrieve their unapplied tax check, but they have refused to do this. They stated they sent a tax check in XXXX two weeks before we paid our taxes, and this is also erroneous. The enclosed documentation clearly collaborates that our tax bill was paid by us on XXXX/XXXX/15, and that Ditech 's check was received on XXXX XXXX, 2015 - two weeks AFTER our taxes were already paid. Their check has remained there since that date. My husband visited the XXXX County Treasurer 's Office, and as of XXXX XXXX, 2015, Ditech Financial had never contacted or requested that the check be returned. Instead, they have held our account hostage. They will not close out the account because they are " waiting for the check to be returned '', yet they have not requested it. This is not our problem, it is an internal problem within the company, and we should not be penalized. Since XXXX, we have written, called, faxed this company over and over asking them, telling them to get their check back from the XXXX County Treasurers Office, but they refused. Another error -- Ditech claims that they sent an additional check for the first installment of our tax bill, but this is an out and out fallacy which can be collaborated by the XXXX County Treasurers Office. The truth is that this first tax check was never sent or applied to our account, and on XXXX XXXX, 2015 this amount mysteriously was credited to our account. Sloppy record keeping and erroneous statements made by this company need to be addressed. We are asking CFPB contact Ditech Financial and request that our account be closed. It is THEIR responsibility to obtain their unapplied tax check that has been sitting idly at the XXXX County Treasurers Office since XXXX 2015. Ditech Financial is now telling us that we will have to wait until they receive the check back from the XXXX County Treasurers Office before our account can be closed, which could be 8-10 weeks! This is unacceptable. The Escrow Account did not have to be opened, as they implied. Ditech refused our requests to stop the Escrow Account, and then they mismanaged their own monies and our monies. Our taxes were paid in full by us. Their unapplied tax check should have been retrieved in XXXX 2015. It is now almost XXXX 2015. We are requesting that CFPB contact Ditech Financial, and request that this account be closed as it should have been in XXXX 2015. We sent the principal balance payment of {$31000.00} to Ditech on XXXX/XXXX/15 requesting that they close the account. Instead, they refused, stating that the Escrow funds needed to be retrieved which they have refused to do. This company has a history of fraudulent behavior and this is a further example of it. We need your help.
09/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AL 365XX	Web
I had a mortgage with Green Tree from XXXX XXXX thru XXXX of XXXX and went thru pure XXXX. I quit working in XXXX XXXX to file for XXXX for multiple issues and was able to pay my mortgage until XXXX XXXX when I started calling Green Tree to see what options I had. After NUMEROUS packets were returned to them and document after document being mailed and faxed and MULTIPLE calls to names of people, dates/times of when I spoke with them, I continued to be told either I did n't include " something, '' or they " never received '' my paperwork, or some other excuse, Green Tree started a " Deed-in-lieu-of sale '' that I NEVER AGREED to. LONG STORY SHORT, I went to a local attorney when Green Tree CONTINUED to charge me fees AFTER I borrowed money from a family member and brought my acct CURRENT in XXXX XXXX, for cutting my yard ( which I have documentation that somehow my lot of XXXX XXXX GREW to XXXX with a small cottage with front and back decks ), for them to " winterize '' my home on XXXX XXXX AFTER I had just spent the weekend of XXXX XXXX there, cut the grass and took care of everything. I was charged attorney 's fees by Green Tree during ALL of this AFTER MY ACCOUNT had been brought CURRENT until it FINALLY STOPPED in XXXX XXXX! The local attorney sent a complaint to Green Tree, BUT they denied any wrong doing and as a result my attorney told me she was not equipped to handle these cases. I contacted a " pro bono '' type place in XXXX, and never could speak with an actual person. I gave up and finally refinanced with XXXX XXXX as SOON as I could in XXXX of XXXX, 4 months AFTER being awarded XXXX, and 3 months AFTER being diagnosed with XXXX. I know that last part is " not relevant '' but it was one thing after another. I went thru a lot of emotional issues and XXXX ALL documented by my family XXXX PRIOR to XXXX. I 'd rather have XXXX again than deal with Green Tree. I did receive a check today for {$21.00} which I did n't know anything about, but THEY owe me some XXXX behind that amount. My XXXX children had to hear a lot of conversations that took place UNFORTUNATELY. They were so excited when I refinanced ; that 's just sad, BUT TRUE! I have all my paperwork that 's about an inch thick, including some stuff from Green Tree I received that was sent out " accidentally '' by a GT employee, which I was told by XXXX these were " for internal use only '' within GT. They showed the amounts I was being charged for my " expanding lot, '' and debris removal, and additional charges. Where do I go from here? Is there someone I can be referred to? How do I get an attorney to handle a case like this when I was stone-walled before? How can I recover more than just {$21.00} when I was literally CHARGED for services and told LIES ( at one point XXXX with GT told me in XXXX XXXX that the City of XXXX XXXX filed a " complaint '' against me b/c my grass was " too high ( which I had NO such notice at the location ). '' After going to C. of XXXX in XXXX XXXX and inquiring about this, they said they had never heard such a thing and they do n't do things like that. They have " no way of knowing what mortgage company '' someone uses if any and there have to be multiple complaints and allow the property owner a chance to fix the issue ( at which point I went around the neighborhood taking pictures of " jungle lots '' that had not been touched in years. ) Sorry so lengthy. You have no idea! I knew these things would come up and I have been waiting PATIENTLY. Please help me and let me know what I need to do from here. Thank you, XXXX
08/04/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 93638	Web
This complaint is being submitted on behalf of the borrower by his advocate. There is an executed Third Party Authorization form uploaded to this complaint, along with supporting documents to the claims being made. The borrower was awarded {$32000.00} in Californias Hardest Hit Funds : Keep Your Home Californias Principal Reduction Program, on or about XX/XX/XXXX . Per the servicer 's AGREEMENT FOR MODIFICATION, RE-AMORTIZATION, OR EXTENSION OF A MORTGAGE ( HFA Modification Assistance ) ( modification ) dated XX/XX/XXXX , the borrowers new Unpaid Principal Balance would be {$78000.00} and the monthly payment of principal and interest would be {$590.00} effective XX/XX/XXXX . Attached hereto is the modification for reference. For an unknown reason, Ditech begun holding monthly mortgage payments on a suspense account beginning XXXX , based on the loan billing statements. Additionally, the servicer has been misreporting the mortgage debt status to the borrower, both in writing and verbally, leading one to be concerned about what is being reported to the credit agencies. Furthermore, as if the billing statements are not of concern enough, the servicer sent the borrower notices implying the borrower is in imminent default. One of the notices was placed on the borrowers door, presumably, by a servicer representative. The borrower has attempted to address his concerns to the servicer numerous times. He specifically attempted to speak with his account representative on more than one occasion. Her extension was provided on his XXXX loan billing statement, informing him : Your account is now past due. For payment arrangements, please contact your account representative, yet she was never available to speak to him. The representatives that were available to discuss his concerns told him not to worry about it, despite the continued misrepresentation of the debt owed. The borrower is very concerned of being wrongfully foreclosed upon even though he is not in default. Attached hereto please find the borrowers proof of mortgage payments for reference. The servicer settled a claim with the Consumer Financial Protection Bureau and the Federal Trade Commission on or about XX/XX/XXXX . It has been previously alleged that the servicer had misrepresented account status to borrowers and credit reporting agencies. It has also been previously alleged that the servicer has failed to honor loan modification agreements. And lastly, it has previously been alleged that the servicer failed to investigate accounting errors disputed. Past homeowners have been wrongfully foreclosed upon based on errors made by the servicer. The servicer has the responsibility of applying funds adequately. The servicer is also obligated to provide borrowers correct information, both in writing and verbally. The borrower has a right to understand the debt s/he is obligated to pay back. The servicer agreed to maintain a comprehensive data integrity program to ensure the accuracy and completeness of data and other information about consumers accounts [ and to stop ] making material misrepresentations. It appears that the servicer, based on this borrowers experience and supporting documents, continues to be in violation of the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and the Real Estate Settlement Procedures Act. There is an additional concern that the Homeowner Bill of Rights may be in violation due to the single point of contact not being available to properly inform the borrower of any action plan in place to address his concerns.
07/25/2018	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA XXXXX	Web
I made a complaint against Ditech Financial f/k/a Green.Tree Servicing. I made a dispute with XXXX and XXXX on XX/XX/XXXX in which Ditech Financial said was not corrected on XX/XX/XXXX. Due to their response to XXXX they re-aged my account and decreased my score by 62 points. I did not make a payment per dispute in XX/XX/XXXX. They went into my XXXX report as of XX/XX/XXXX, and reported I made 50 percent of payments per XXXX XXXX payments. Ditech Financial went into my credit report who I hadn't disputed under XXXX yet and under remarks that I was 180 days late. On XXXX XXXX, they changed my credit report again under XXXX in which I am waiting for credit report by snail mail. As I reported to the CFPB in XXXX, they took the response from Ditech Financial and closed my complaint automatically. In a letter from Ditech Financial on XX/XX/XXXX, they write from Ditech, XXXX XXXX, Minnesota, that Ditech confirmed that your loan was reported to the credit bureaus as " in foreclosure '' from XX/XX/XXXX, " repossessed '' from XX/XX/XXXX, to XX/XX/XXXX, and charged off, in XX/XX/XXXX. My foreclosure was on XX/XX/XXXX. They can not by California law show that it was repossessed from XX/XX/XXXX, to XX/XX/XXXX. It's either a foreclosure which was reported on two credit bureau reports and on XXXX, Ditech representative tried to tell me it will stay on my credit report for 8 years. You can not report foreclosure on two reports and report 1st major deliquency in XXXX. It's either a foreclosure or repossession in Californa. And by the way, we don't do sheriff sales In California. In my case it was a foreclosure due to Green Tree Servicing constantly harassing me and double billing me before my payment was due. What Green Tree did was drop payments from my account on my credit report and then when Ditech Financial LLC took over they put my accounts with the credit bureaus with reposession from XX/XX/XXXX, through XX/XX/XXXX. I want the 1st major deliquency reported removed from XXXX dated XX/XX/XXXX. These people in this company don't know what their doing and each of my credit reports is different. They show last payment XX/XX/XXXX, and then show a payment for XX/XX/XXXX. I'm sick of them their the same company Ditech Financial f/k/a Green Tree Servicing as of XX/XX/XXXX, and what happened Green Tree got fined XXXX XXXX dollars. I know it's easier for you to pay a fine than to pay what you actually owe. The only way legally you can put anything on my credit reports if I dispute a specific credit bureau. You illegally went to my XXXX report which I did not dispute on XX/XX/XXXX. So I'll be seeing you in court showing all the documentation and how you continually changed my credit reports along with Green Tree Servicing. I'm sick of you and all I was doing was trying to remove the XX/XX/XXXX payment that was not made to have my foreclosure removed in XX/XX/XXXX. Ditech is full of XXXX. You would like to destroy somebody whose already been through on XX/XX/XXXX, and by XXXX your changing my report to repossession. By the time I'm done with you you'll wish you never reported to a credit bureau repossession. Good luck with the FBI Crime Fraud Unit which checks into your IRS write off of XXXX, which I have proof of your dishonest behavior. The CFPB will take your answer and close it but I know exactly what to do. So, would the CFPB take a closer look at my complaint instead of just closing it. Maybe the Attorney General of California would be the one to contact. I'm tired of dealing with this credit reporting inaccurately.
01/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OK 730XX	Web
in XXXX I received a letter from XXXX. telling me my XXXX checks would be stopped because of over payment. In XXXX XXXX I applied for HARP, also I applied for other loan modifications. Which I was turn down. In XXXX XXXX, and XXXX of XXXX I was rejected for a loan modification again. In XXXX my wife received her Income tax return. With her income tax money, and a voucher from XXXX XXXX that would paid for 2 months payments, and the other 4 months payments from the income tax money which would make us caught up. Green Tree refused the vouchers. So, in the first of XXXX XXXX XXXX sent Green Tree a check in the amount of {$1900.00} which {$1400.00} was going towards my payments. We explain to Green Tree that a check from us would be sent for the rest amount owned. Green Tree told us not to send our check for the rest of the late payment, because Green Tree could n't accept XXXX forms of payment it need to be on a single check. So it was agreed that when GT received the Check from XXXX XXXX. GT would send check back to the XXXX XXXX, and then the XXXX XXXX would issue another check to us, and then a single check from us would be sent for the payments. XXXX XXXX XXXX GT cashed the XXXX XXXX check. Around XXXX the XXXX GT was asked if they received the check, and GT said no. Everyday in XXXX except weekends GT was called about the check, and answer was always no check from XXXX XXXX. On XXXX the XXXX GT filed a Summons, and a Petition for the Home. On or around XXXX the XXXX GT said they received the check, and was sending it back to the XXXX XXXX. We waited everyday of XXXX for XXXX XXXX to receive the check back from GT, and everyday that we talked to a GT person we was told that the check was sent out. It was n't until XXXX XXXX that GT finally sent the check back to XXXX XXXX. In court documents GT claims that on XXXX XXXX GT did n't receive a check from Choctaw Nations for {$1400.00}, and was n't until XXXX XXXX when the check was received by GT. So GT has the legal right to foreclose on the house. On XXXX XXXX we applied for the XXXX XXXX XXXX to help us out. GT claim that no one from XXXX contact them until XXXX when XXXX sent paper work to GT in XXXX, and XXXX. Around XXXX the XXXX a GT lawyer contacted XXXX and notified them that our manufactured home was n't real property, but personal property, and personal property did n't qualify for modification loans. ( which the manufactured home is real property the GT lawyer lied. ) The XXXX XXXX stopped helping us. On XXXX the XXXX court papers filed after GT received the XXXX XXXX check. XXXX XXXX court papers filed after GT received package from XXXX. XXXX XXXX. I missed my court date at XXXX thought it was at XXXX GT received a default judgement. GT claims {$3300.00} not the {$2700.00} owe for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX at XXXX monthly payment. GT claims they did n't have the {$1400.00} check until XXXX XXXX not on the XXXX XXXX date as arranged (? ) so GT sent the check back to XXXX XXXX on XXXX XXXX ( not after XXXX XXXX GT sent check back. ). GT claims a true correct copy of the note is with the court. GT 's true correct copy of the note has signatures, check marks in boxes, dates, and other info added, which is n't on my copy of the note. GT added another {$1000.00} on the note at {$39000.00} and not the purchase agreement price of {$38000.00}. GT charged late fees. GT charged forced insurance when insurance was already bought. GT charged the {$12.00} transation fee. GT would n't give the correct amount owed. GT
04/02/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 774XX	Web
After researching laws and analyzing my situation, I now feel that for the last 15 years, I 've been a victim of predatory lending on my mortgage. At the time of signing the contract, I was targeted as a XXXX year-old vulnerable XXXX XXXX women with limited resources, who was not only young, but inexperienced and uneducated in purchasing what I thought was a home at a good deal. In regards to being vulnerable, I explained that I was married, a mother of XXXX small children, and my husband could not be in attendance because we were struggling to make ends meet and it would cost if he missed work. Also, I explained that I had been going back and forth to the doctor w/my husband who had recently been informed that he had XXXX. XXXX. Prior to gaining this knowledge, I explained to the salesman that we had moved out of our apartment which we had being living w/a family member for quite some time in hopes of purchasing a from this manufactured home dealer in XXXX, TX. I also mentioned we were not getting along with the family member. In the mist of this situation, the dealer in XXXX was giving us the run around for so long - we did n't know - until one day the dealer moved all their homes from the premises and never told us anything. We went to check on the status of our new home, only to find they were gone. The gate was locked down and all our information and/or money we had put down, if any was taken also. It was approximately 1 to 2 weeks later when I went to XXXX, TX and entered into this mortgage contract I am speaking of. After explaining this situation and what I had gone through with the previous manufactured home dealer, I feel the salesman and/or Mortgage Company ceased the opportunity to take a negative advantage of my financial needs. I was presented w/a deal to buy a used trailer " As Is '' with " No Warranty '' at a fixed simple interest rate of 17.75 w/a XXXX month mortgage term and XXXX being the amount financed. I was pretty much told that because of my credit situation, I did n't qualify for a " New '' trailer, but a " Used '' trailer and more than likely ; no one else would give me a deal. I now owe approximately {$34000.00} due to deferments tacked on to the end of the note when I had financial hardships as well as legal fees from delinquent taxes and for homeowner 's insurance purchase through the Mortgage Company. Also by signing this contract, I was unaware that I was being misled into what you call " Forced Arbitration ''. My benefit of true homeownership and/or making a good investment was misleading and it 's been destroyed. Over a 15-year period, I 've paid approximately {$84000.00} already for this home and I still have 10 more years to pay ; this is nearly triple the amount I purchased the home for. My mortgage note is {$460.00} ; on an average, I roughly pay {$400.00} to {$430.00} in interest monthly. In order for the mortgage to decrease on a reasonable basis, I would have to almost double my mortgage payment which I can not afford nor was I told this when I signed the contract. Unfortunately, with the information that I 've presented, I feel that I was clearly taken advantage of. It was unfitting, not necessary nor realistic and/or fair to impose this type of mortgage terms and/or interest rate at simple interest on an individual regardless of their credit situation on a new or used trailer that only cost {$31000.00}. In reality, this is a car note that could 've been paid off in 72 months had the interest rate and terms been fairly set forth.
03/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 62269	Web	Servicemember
This e mail is in reference to complaint number XXXX. As per that complaint I have had ongoing problems with my mortgage company in that they were paid extra money to set up my mortgage on an automatic withdrawal from my bank account. As previously stated they have Ditech has on several occasions not taken the money out on the pre-determined date or attempted to take extra money causing my bank account to accrue overdraft fees. the last time this happened last summer I spent several hours on the phone with various representatives and sent them all the information the requested in order to recover the bank overdraft fees which they freely admitted was their error. This was a lie as several months later another representative with Ditech said that they would not refund my overdraft fees. My mortgage payment is set up with my bank such that Ditech is authorized to take out {$1000.00} every two weeks. This include the amount of the mortgage payment due and an extra {$120.00} X 2 every month that is designated to go towards the principal. On the XXXX of XXXX Ditech was scheduled to take out {$1000.00} which they did not. Because they did not take the money out and thus did not get paid they assessed a {$30.00} non-payment fee. After several phone calls I was assured that yet again that this was a " Computer Glitch '' and that they would correct it. Later the next week the assessed {$60.00} more in fees for non-payment. Again I spent several hours on the phone with them and they assured me that they would correct the problem and that correct amount would be withdrawn from my account. I was even told the exact amount of money that they would be taking out of my account in order to " Catch everything up ''. The next day I received a collection notice from Ditech in the mail. It is my opinion that these people are attempting to set me up for a fraudulent foreclosure. way back in XXXX when I logged onto my bank account I discovered that amount of money they attempted to take out of my account was not only incorrect but greater than what was quoted. An amount that they placed back into my account as a credit. Yet again the mortgage was not paid as a result of their error. Yet again I have incurred another {$27.00} overdraft fee as a result of their error. After numerous phone calls over a month and a half ( During which DiTech mysteriously lost all my payment information, causing me to have to resubmit all my information again ) Ditech did refund my bank overdrafts and waived their internal fees, however 4 months later they still have not allowed me to successfully set an automatic withdrawal on my bank account. The reasons cited for not doing so is that I have had returned payments which they freely admit is because of their mistakes subsequently which has locked me out of their system. Over a period of three weeks I have left numerous phone messages with multiple supervisors at Ditech to try and straighten this issue out, to no avail. A quick search on the internet reveals that Ditech has a habit of improperly foreclosing on people and given the amount of equity we have built up in our house I am in fear that that is what they are setting me up for. I need help with this issue. Please, Please have a representative call these people and put some pressure on them. The representative that has been most recently assigned to me to set up my automatic withdrawal is named XXXX and her phone number is XXXX extension XXXX. Thank you for your time XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX
03/03/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	VT 057XX	Web
We have XXXX mortgages with Greentree Servicing now Ditech Financial. My wife and I fell behind with payments on XXXX of our rental properties due to lost wages and income. The first property we 'll call Building A and the second, building B. The foreclosures started for XXXX properties in XXXX XXXX. Since then, we have tried to work with Greentree/Ditech but they are not very helpful and are consistently rude. In addition to poor customer service, they continue to break the law by breaking into Building A. We have since brought Building A out of foreclosure as the bill was paid in XXXX XXXX. Our problem with Ditech is that they keep hiring companies like XXXX XXXX 's ( a preservation company ) to break into Building A. We are currently only 30 days behind and this house IS NOT IN FORECLOSURE. They have done this 3 times without a Writ of Possession which is required by Vermont XXXX XXXX. The other property ( Building B ) is still in Foreclosure as we are trying to raise the funds. XXXX XXXX and Ditech broke the law on XXXX XXXX, XXXX when they forced entry into our property ( Building A ) which is rented commercially. They left notices in the building broke several locks by using power tools and left the property damaged and unsecured which ironically their paperwork said it was the " initial secure. '' When in fact, they never secured anything, the doors were left without locks and doors wide open. Remember, this is rented commercially with business inventory inside. On XXXX XXXX, XXXX we reported this incident to our local Sheriff 's Dept. A Deputy responded to the call. On XXXX XXXX XXXX, XXXX forced entry into the building again resulting in more locks destroyed. The sheriff 's Dept was called again. XXXX XXXX was the officer who returned our call. He informed us that the state 's attorney was notified and XXXX XXXX also called XXXX and the Ditech 's attorney. During this time, this property was scheduled for an auction sale on XXXX XXXX, XXXX. We were trying to get a total figure from the bank for over two weeks as we believed we had the total amount due. We contacted Greentree/Ditech several times asking for a balance due. We also contacted the Ditech 's attorney several time with no response. Everyone at Greentree said contact the attorney, the attorney said to contact Greentree. We were getting the total runaround. Remember the sale was set for XXXX XXXX, XXXX Because we were n't getting anywhere and we believed we had enough money, I submitted a REQUEST FOR MOTION TO CANCEL FORECLOSURE SALE on XXXX XXXX, XXXX. Well, what do you know, the plaintiff 's attorney finally responded and said the sale was cancelled and there will now be a hearing unless we pay and agree to file a motion to cancel the hearing. So, now we are left with trying to bring the other house current ( Building B ) but with the frustrations of the bank contracting people to break into an occupied building ( Building A ) they have left us no choice but to shine some light on this company 's practices of threatening intimidation and deceit. We have never been compensated for our lost time from work, damages to the property and locks destroyed. It seems to me that Ditech wanted to have an auction sale on the property without giving us the opportunity to bring the loan current. We have police records of these break-ins and we are starting a suit against the company. Greentree 's purpose was to help people keep their property, not undermine consumers efforts to make good on their commitments.
08/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 493XX	Web
This is the XXXX complaint I 've filed with CFPB against Greentree Servicing LLC over the servicing of my mortgage. The previous case numbers are XXXX and XXXX. In summary, it has been a nightmare dealing with this company since my mortgage was assigned to them following the bankruptcy of XXXX. Below I will identify highlights of the significant issues I have been dealing with relative to their improper charges, accounting practices, collection actions and excessive rude behavior. The current issue I am working with them is the fact they have assigned me flood insurance and nonrefundable fees despite the evidence I have provided them the home is not in a flood zone. While researching how to respond to this latest issue, I became aware of the $ XXXX judgment against Green Tree and the fact that $ XXXX was set aside to compensate customers for the exact behavior they have been providing for the servicing of my loan. When I questioned Green Tree why I was not provided compensation for this behavior, they stated that the CFPB made the decisions on which customers were due compensation. Is that true? Below is a summary of the issues I have been dealing with since Green Tree began servicing my mortgage : - Soon after taking over my loans, their harassing calls began. I have NEVER been 30 days late on this mortgage since inception in XX/XX/XXXX. Their calls became so harassing that I filed a formal " Cease and Desist Letter '' as they were calling my work cell phone. - Even with the Cease and Desist letter, the harassing calls continued for several years, although much less frequently- In the XX/XX/XXXX, I was being rudely treated by a CSR and asked to speak to a Supervisor. The supervisor was even ruder and actually screamed at me " Pay your XXXX mortgage! '' and then terminated the phone call. Based upon this, I called and made multiple complaints and essentially begged Green Tree Management to review this phone log. - Many times upon calling in I would be asked to provide my phone number, which I refused to do as they were often violating the Cease and Desist letter. I agreed to any other verification method, but when I refused to provide a phone number they would tell me that they could not continue the call and process my mortgage payment. - My bills are consistently wrong and have been so for years. I pay late EVERY month, but ALWAYS pay the late fee. The bills show the late fees as unpaid and an equivalent amount sitting in unapplied principal. I 've asked for this to be corrected for years without resolution. - When paying late in the month, I would always be charged the convenience fee but without any notification. Sometimes, they would require that I pay the following months ' bill as well or they would refuse to take the current month payment. - The have invoked mandatory flood insurance on me along with non refundable fees. I disagree with this insurance and provided proof the home is not in a flood zone. There are more issues I could relate. If CFPB still has internal access, I ask you to review random calls from me to Green Tree and listen to how I was treated. I also ask for the accounting of my bills to be reviewed. As a reminder, I always paid late but was never 30 days late. Finally, I have years of issues with this company involving improper charges, harassing treatment and mis-management of my mortgage servicing. How could I possibly not be one of the customer determined to be due some compensation for their inappropriate behavior and business practices?
12/15/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 33543	Web
On XXXX XXXX, XXXX, I was served by Ditech Financial, LLC, with a summons and complaint naming me as a defendant in a foreclosure action on mortgage loan that is not even mine, and seeking from me, personally, repayment of an outstanding balance on the promissory note, Ditechs attorneys fees and costs, plus for amounts Ditech claims to have advanced to pay for property taxes and casualty insurance. Ditech is being represented by XXXX XXXX XXXX, XXXX. of the law firm XXXX XXXX XXXX XXXX, XXXX, of XXXX XXXX, Florida. The complaint was also purportedly verified by one of Ditech 's employees, Document Records Specialist XXXX XXXX, who acknowledged such under oath on page 5 of the complaint. The mortgage loan at issue belongs to my deceased grandparents, XXXX and XXXX XXXX. As paragraph 3 in the attached copy of the complaint shows, even Ditech acknowledges the fact that this mortgage loan was executed by my grandparents and attached copies of the promissory note and mortgage lien to the complaint showing this, which are also attached here. Ditech is also aware of the fact that both are now deceased and even gives their correct dates of death in paragraphs 9 and 10. However, instead of naming my grandmothers estate as the defendant, since that is the correct party against whom Ditech should proceed against, in paragraphs 6, 8, 11 and 14, Ditech goes on to assert the aforementioned claims against me personally, even though I did not sign the promissory note and mortgage lien and have nothing to do with this loan whatsoever. In paragraph 12 of the complaint, Ditech also wrongly claims that I am the owner of the real property, but as the attached record from the county property appraisers office shows, my grandmother is still listed as the owner of record. It would have taken all of 10 seconds for someone to research this online, as well as verify that the allegations in the complaint conformed with the attached evidence, but apparently neither XXXX XXXX or anyone employed by Ditech could be bothered to do so. In addition, I received a letter from the county tax collectors office directed to my grandmother, also attached here, showing property taxes have not been paid since her estate made its last payment at the end of XXXX, so Ditech has not advanced any money for this, even though it claims it may have in the complaint. Also attached is the most recent monthly statement from Ditech that is directed to my grandfather, so Ditech is fully aware that the correct identity of the borrower is not me. Approximately a year prior to this, I was the petitioner in a probate case of my grandmothers estate because I was one of the named beneficiaries in her will. The petition proposed surrendering the real property to Ditech, or rather, its predecessor Green Tree Servicing, LLC, to cover the outstanding balance on my grandparents mortgage loan. The court agreed with this proposal because it discharged the estate, and under the implicit assumption that Ditech would foreclose on the correct party to recover the property, and not the named beneficiaries. In addition, in or about XXXX XXXX, I had to file a separate complaint with the CFPB because Ditech was calling me up to 5 or 6 times per day to harass me personally about a past due payment on my grandparents mortgage loan. Nobody then seemed to want to understand that the monthly payments on the loan were not my personal responsibility, and with this foreclosure suit, Ditech and its legal counsel seemingly have not yet comprehended that.
09/14/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	ID 838XX	Web
On XXXX XXXX I submitted an application by fax to Ditech at the following number : XXXX. I was told it would take about 24-48 hours for the faxed documents to be imaged and appear in my account. I called again on XXXX XXXX to be sure that the documents were uploaded to the system. It took until XXXX XXXX for Ditech loss mitigation representatives to see the documents. I was then told that a tax form I faxed in was filled out incorrectly. I faxed the tax form to Ditech five times. After the fifth time it was finally correct. I was then told in early XXXX that loss mitigation was missing several documents. I immediately faxed those documents, however Ditech reps were unable to find the documents. I waited another two days. Again, I was told to fax the same documents. I faxed all the same documents and also told Ditech that they had the incorrect address on file. By XXXX I provided proof of my homes legal address. I called in at least XXXX more times to be sure the address was correct, and I was told several more times that I needed to fax the same exact documents that I had been faxing since XXXX. On XXXX XXXX the address was still not changed. Ditech reps told me that as long as I got a complete modification/homeowner 's assistance package to loss mitigation, then the attorney 's fees would stop, and the attorney would not do any more work on the file. I was told this by two different Ditech reps. I called in offering to pay the past due amount, however it was too late, more attorney 's fees were added. I complained to a supervisor in XXXX that I was still being asked to send in the same documents that I have sent in a dozen times. Still there was not a complete package, as Ditech reps were unable to find the actual documents that I faxed. Each Ditech loss mitigation rep would look in different folders to find the docs I faxed and uploaded. I was told again several times to send in more documents. Each time I sent in a new document I had to wait 24-48 hours for the document to appear to loss mitigation. My address was not changed correctly until I spoke with Ditech 's Customer Service Manager XXXX XXXX, whom finally updated the property address while I was on the phone. On XXXX XXXX XXXX XXXX contacted underwriting and told me I should have an answer in regard to a modification or homeowner assistance within about a week. Now it is XXXX XXXX, and I still have not received XXXX phone call from my account manager, or a Ditech representative. I have called Loss mitigation nearly every day for two months and still loss mitigation reps were unable to submit my complete application package for assistance. Now the amount of money I will need to pay to reinstate the loan is over {$12000.00}. I called in in XXXX to pay the past due and I was told not to worry and to wait for the underwriters. I was told this nearly every time I called in. I do not believe that I should need to pay attorney 's fees when I was able to come up with money to reinstate my loan, yet being told to wait another week for almost three months. Now I do not have enough money to reinstate my loan. I received a settlement payout from Greentree for {$43.00}. This was in a settlement for the same exact issue that I am having now with Ditech, whom I understand is the new Green Tree. I need an answer about whether I will be receiving help, waiting has caused my family a great financial loss. I also want Ditech to forgive attorney 's fees as I was given false information for two months from various representatives.
05/01/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 77088	Web
I contacted Ditech in XX/XX/XXXX following Hurricane Harvey. Ditech offered a 90 day forebearance and stated they would send me out forebearance documentation. As of XX/XX/XXXX, I never received the forebearance documents but instead began receiving foreclosure notices from an attorney out of XXXX stating my home is in foreclosure and I had 30 days before I loose my home. I informed the attorney 's office that I was not aware of a foreclosure due to being in a forebearance and she suggested contacting Ditech to remedy the problem. I contacted Ditech several times ( two to three times a month dating back to XX/XX/XXXX ) after that and was told the foreclosure code was an error and would be escalated to a manager to correct ; however, Ditech never corrected the error resulting in me receiving all types of solicitation notices about the home being in foreclosure. Due to Ditech 's error and the company constantly stating not to make a payment until the error was fixed has me now with over a {$5000.00} mortgage payment. I have started the process for a loan modification, which again I do not received any correspondence from Ditech and the only way I know of what's happening with my loan is when I call. I sent the paperwork for the loan modification in XX/XX/XXXX and when I called to get an update I was told I was missing documents. I was levied and explained to the agent that I had not received anything from Ditech informing me of the missing documents. I also told the agent the same thing I've been staying for months, which is I do not get mail, phone calls, or any type of notification from Ditech and I feel the mortgage company is purposely trying to take my home. As of today, XX/XX/XXXX the error code is still showing in Ditech 's system even though every agent has stated the error would be fixed. I spoke with XXXX and then the supervisor XXXX on XX/XX/XXXX. They were rude and unprofessional on the phone and insulted me throughout the call. I explained to them the error but was told my both of them that I was mistaken and the foreclosure was correct. I told XXXX if he would read the notes from XX/XX/XXXX to present he would see the error and I told him about Ditech 's lack of communication regarding anything with my home. He stated I will never receive anything other than informational documents due to never reaffirming the property after a bankruptcy I had over 7 years ago. This is the first time I am hearing of this and I told him that. He finally read the notes and saw where the forebearance was approved in XX/XX/XXXX and the code was entered in error. My complaint is I believe with 100 % of my heart and mind that Ditech is fraudulently trying to foreclosure on my home. I asked XXXX what legal recourse do I have against them foreclosure if I am never informed that there is a problem. He could not answer me. These fraudulent tactics can not continue! The government needs to do something about this company. I am a XXXX XXXX survivor and have been in remission for a little over a year. This stress is unhealthy and unwanted by me. This is the second time Ditech has tried a malicious attempt to fraudulently foreclosure on my home. Enough is enough. I filed a company with CFPB in XX/XX/XXXX when they kept returning my mortgage payment I mailed to them for three months and then Ditech started the foreclosure process for nonpayment. I contacted CFPB and they corrected their fraud and now this. Please help consumers stop this company from all of these illegal practices.
02/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78589	Web
In XX/XX/XXXX I was sent notification that XXXX XXXX, which had purchased my mortgage from XXXX XXXX 5 years prior had sold my mortgage note to Ditech Financial. For over 12 years I have paid my bill by automatic payment directly from my bank account. However, the new company said my bill was due on the first and they ( the customer service agents from the XXXX ) would only allow a 14 day grace period. I couldnt set up the payments for the XXXX because they wouldnt over extend themselves. I continued for close to 10 monthes making the payments online on the XXXX of every month without any late fee being assessed to my account. Then on the XXXX month I began receiving daily phone calls to pay, everyday until I either answered and made a promise to pay on the XXXX or the payment was made. The following month on the XXXX the calls would start again. I finally answered one call for the second attempt to set up payment with a supervisor on the XXXX of every month, I explained that as a XXXX I get payed on the XXXX and have been billed on the XXXX for over 10 years without issue. The supervisor suggested I pay double in order to get one month ahead and when I told him I didnt have that kind of disposable income he suggested that on the XXXX of every month I loggin to make a promise to pay online since the company Ditech would not accept any " late payments ''. The issue was seemedly resolved with a fix that was bothersome but not impossible, however I was put off with the new collection practices of the new servicing company. Finally this month, the XX/XX/XXXX I went online like I have been for a little over a year now only to find that I was assessed accelerated interest and late fees for the surpassing the 14 day grace period for payments. When I called to speak with a supervisor the company representative said that I should have been charged the late fee for the monthes past and that it was a company oversite and that the " original note '' signed in XXXX said payment would be made on the XXXX of every month and that I needed to comply with the original note. I told him my mortgage broker assured me that all payments would be deducted on the XXXX without issuee. I told him that XXXX and XXXX collected ALL payments on the XXXX. The supervisor was short with me and irrate and only after I said I was recording the phone call did they offer to remove the one and only late fee this once and suggest I contact the servicer of my mortgage XXXX XXXX. I was surprised to hear that this is the Financial Institution and not Ditech I mean XXXX XXXX no I mean XXXX who I have my original Mortgage contract with servicing my mortgage, Im so confused! They didn't provide me with any contact or further information for resolve but only suggested I XXXX it after he made comments that it would be " useless to request a change of date ''. They said I had less than one week to contact XXXX XXXX about my issue because they would need to collect payment for the month of XX/XX/XXXX on the XXXX or I would be issued a late fee 10 fold for all the monthes I was never charged one by mistake. They threatened to compile all the late fees and if need be proceed with penalties if I couldnt keep up with the date of the XXXX. Ditech financial is currently servicing my mortgage and I am having issues with their collection practices amongst many other things. I want to know if I have a choice on who is servicing my mortgage or the due date that seems to change with the change of financial institutions.
04/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33467	Web
Green tree is the holder of our mortgage loan. They have engaged in fraud and illegal conduct and have attempted to auction our home, even though we were in good standing through an approved loan modification. We have tried on multiple occasions to get some type of explanation or understanding or transparency from Green tree but have made no progress. We have copies of our approved modification ; proofs of all payments made, and understand the terms. However, when our loan was transferred from XXXX to Green tree they bluntly stated that they would not honor this modification that we had paid on for more than a year and that they were raising our payment nearly {$600.00} a month. Since that time we have been fighting to get answers and save our home but have made no progress. Green tree has not reviewed us for options to resolve this issue ; they have not assigned a contact to work on our case and have never given us any explanation as to how and why this has happened. I want to file a formal complaint against Green Tree. We have owned our home for XXXX plus years and refinanced in XX/XX/XXXX through XXXX so that we could remodel the kitchen and lower our monthly payment. We were a bit suspicious when the people at XXXX said that they did not want to put my husband on the mortgage loan, even though he was the only XXXX working at the time. I do n't know how they were able to make this work, how I, who was not employed at that time, was the sole borrower on this loan and how it made it through quality control at XXXX. They told us not to worry about it ; they knew what they were doing. My husband had worked at XXXX for 23 years when the owner of the dealership passed away and new management was brought in and they laid off all XXXX. My husband was able to find work at other XXXX due to his experience, but the financial crisis was rolling at that time and not many XXXX were getting sold so his income dropped significantly. This resulted in us defaulting on the mortgage payment. We began dealing with XXXX regarding this issue and after a lengthy process were approved for a modification that required us to make a lump sum payment of {$33000.00}, and make payments of {$1200.00} a month with an interest rate of 2 %. XXXX deferred {$180000.00} of the principal balance in order to make the payment work for our income. The payment was to be fixed until XXXX XXXX, XX/XX/XXXX at which time it would increase about {$100.00}. We paid as agreed on this modification through the trial period and it became permanent. The court filed paperwork dismissing our foreclosure and we made our payments for over XXXX year with no issue. Then the loan got transferred to Green tree. We were informed that our modification agreement would no longer be honored, and that our new modified payment would be {$1800.00} a month. No explanation was given, no paperwork detailing why or how the new modification would work. We tried repeatedly to call in and get answers but Green tree was very deceptive and elusive. We do n't understand how or why this happened. Apparently, no one at Green tree can tell us. We talk to a different person every time we call in. We are given a different story every time we call in. Green tree would not review us for any options or alternatives, they would not assign a dedicated contact they would not work with us in any manner whatsoever. Not only that, but after they moved us into foreclosure their agents LIED to us about the date of our foreclosure sale.
01/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY XXXXX	Web
I am four months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) behind on my rental property with Green Tree Servicing now named Ditech Financial LLC. I was contacted by the insurance company regarding repairs to the house, and was informed by the agent that the above company has started foreclosure proceedings against me. I informed him, that I was n't served any paperwork at my home address or notified any other way about a pending foreclosure. I called Green Tree/Ditech on XXXX/XXXX/XXXX to inquire about this foreclosure proceeding and they claimed they did not know why the agent gave me that information and according to their system, they have no pending sale date in the system. Now, during this same conversation with them on Wednesday, XXXX XXXX, XXXX, I was informed that the locks had been changed at the property by their company XXXX XXXX and the property was winterized. I was never notified that this was taking place in writing or a phone call, and never heard of a company locking you out of your property that you are still required to make mortgage payments on. I spent some time with XXXX reps on the phone that told me the house appeared vacant and debris in and outside of house. I have a tenant that was still moving his personal belongings out of the property, he 's taking a long time to do this ; I asked him to go check on the house yesterday Wednesday, XXXX/XXXX/XXXX, and he informed me that the locks had been changed. How is this even legal for them to do? We just had a major snow storm in which I planned to go to the property to clean up snow, so that I do n't get a fine, and I 'm glad that I did n't because I would not have been able to enter the property, and was n't made aware that locks were being changed and a lockbox put on the door. So if someone fell in front of the house, I guess that I would be the one to be sued for not cleaning in front of the house. This is the same thing that a slumlord would do to a tenant before the tenant can legally be locked out of the property. They claim they would give me the code, but I and previous tenant feel violated, because Green Tree/Ditech had someone enter the property without my knowledge and change the locks. Suppose something is missing of the tenant 's because of this ... are they prepared for a lawsuit for what they 've done ; who is to blame for missing items. I did n't have to notify Green Tree/Ditech that a past tenant was still in the process of moving their belongings from the property. I also asked them for the report in which I was told I would have to request in writing on what the company Safeguard did to the property as well as request the pictures taken of contents, etc. I was also told by Green Tree/Ditech that I will be charged for this. Why do I have to pay for something that I was n't aware would take place..they have my contact information, in which they could have called me or sent notice in writing. I spoke to them XX/XX/XXXX, or XX/XX/XXXX, and told them of my intent to keep the property, what right did they have to go to the property on XXXX/XXXX/XXXX and change the locks, and still during those past conversations I was never informed that any of this took place or that is company policy. What if I had planned to show the property to another prospective tenant? None of this makes any sense. I want Green Tree/Ditech to remove the pinpad locks or locks and replace with new locks, or I would like them to reimburse me for having to put on new locks on the property.
10/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WI 544XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WI XXXX XXXXXXXXXXXX XXXX/XXXX/XXXX To Whom It May Concern : I would like to file a complaint against Ditech Financial LLC. Telephone number for customer service is XXXX. Since I was unable to get a helpful response from Ditech Financial LLC to participate in foreclosure mediation as I 'm turning to you as a last resort. My case is in XXXX XXXX, WI with case number XXXX. A quick history of the mortgage as has to do with a XXXX sub prime loan that originated with mortgage broker XXXX. The mortgage got transferred several times as transferred to XXXX, XXXX XXXX Mortgage, XXXX, and finally XXXX XXXX XXXX. The servicer got transferred Green Tree XXXX to Ditech Financial LLC which I was unaware that it happened without any notice to me. I did not receive a welcome letter from Ditech Financial LLC I did receive a letter from plaintiff attorney J XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX that my servicer Ditech XXXX is agreeable to mediation. The current plaintiff attorney is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX telephone number is XXXX XXXX XXXX XXXX. At time of receipt of letter I was unaware that Ditech was the servicer as I was working with Green Tree Financial that I was interested in foreclosure mediation but I tried a couple of times as they were not willing to participate as I even paid the fee to XXXX foreclosure network. I did send a couple of letters to plaintiff attorney XXXX XXXX if she had contact info for Ditech as I did n't have a single point of contact for servicer Ditech. I did not get a response back from XXXX XXXX. But I did get a notice from XXXX XXXX XXXX XXXX XXXX that a sheriff sale schedule for XXXX XXXX and I still did n't have contact information for Ditech. I finally did an online search and found out Customer Service line for Ditech. That number is XXXX. I called numerous times and got different reps, XXXX rep told me to call XXXX XXXX XXXX XXXX XXXX to setup the mediation. I left several messages for XXXX XXXX XXXX XXXX XXXX and online requests to call me but never received a call. I did get an account number from XXXX of the reps which is Ditech # XXXX and finally got a contact from Ditech which is XXXX XXXX. Left her several messages to call me and finally returned my call on Friday afternoon XXXX XXXX just before the XXXX holiday weekend. Told me could do a loan modification but nothing about foreclosure mediation as I tried to postpone sheriff sale that was scheduled for Tuesday XXXX XXXX right after XXXX XXXX. I did leave her voice mails as I needed more time to get loan modification completed but she never returned my call and sheriff sale happened on XXXX XXXX. I do n't know if A private person had the high bid or retained my mortgage company. I did see on XXXX confirmation of sale hearing scheduled for XXXX XXXX. My main goal was an opportunity to participate in foreclosure mediation and to settle the matter but never got a chance. At this might do n't know If I have any recourse. Another concern I have is as the mortgage got sold several times and the original mortgage note did not move in the transfer. My understanding to foreclose the mortgage company must have original mortgage note. I believe XXXX does n't have standing. I would like to thank you for your time and for reviewing my complaint. If you have any questions or concerns, please do n't hesitate to call me at your earliest convenience at XXXX XXXX XXXX XXXX XXXX. Sincerely, XXXX XXXX XXXX
10/15/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95758	Web
In XXXX XXXX, I received an offer for mortgage recast from Ditech which would have reduced my monthly payment by about {$400.00} under the the U.S. Treasury 's Making Home Affordable MHA-HAMP. I signed and returned the documents on XXXX XXXX, XXXX ( Attachment XXXX ). Ditech did n't acknowledge my response. Then, 2 months later when I called to check what happened, a very rude supervisor started arguing about balloon payment even though my mortgage does n't have such a requirement. In a letter dated XXXX XXXX, XXXX, Ditech stated that it had received full {$5000.00} from the U.S. Treasury MHA-HAMP to recast my mortgage and reduce my mortgage payment from {$2100.00} to {$1800.00} per month effective from XXXX XXXX, XXXX ( Attachment XXXX ). Yet, the XXXX and even thereafter the XXXX statements did n't reflect this change ( Attachment XXXX ). Unfortunately, the XXXX XXXX, XXXX letter was sent when I was on a one month vacation abroad ( XXXX XXXX - XXXX XXXX ) as shown in Attachment XXXX. Due to a XXXX, I was n't able to check my mail until XXXX XXXX when I opened the recast letter, signed it and immediately put it in the mail box. For nearly two weeks Ditech did n't acknowledge my response. Then, on XXXX XXXX, XXXX, I called to check whether I should send the new recast payment of {$1800.00} or the usual amount of {$2100.00}. A staff who assisted me courteously told me she could n't do anything about the payment of XXXX but sent a request to her supervisor to change the payment of XXXX to the new reduced recast amount. She then asked me to call back on XXXX XXXX. However, I asked her if I could speak with her supervisor because I did n't want to wait till XXXX and have my payment late. Very disappointingly, the supervisor turned out to be a rude and senseless person who insisted that the XXXX XXXX letter should have been returned by XXXX XXXX even though I fervently explained to him that I was out of the country from XXXX XXXX XXXX ; and as such it was n't humanly possible for me to meet the XXXX XXXX deadline. What I find ironical and extremely disingenuous is that Ditech could send a letter on XXXX XXXX with the recast effective only 6 days later on XXXX XXXX. How did Ditech expect me to receive the letter, sign it, and have them review/approve the recast within only 6 days for it to effective from XXXX? Secondly, if the recast was to be effective from XXXX XXXX and I was required to sign and return the letter by XXXX XXXX, was Ditech planning to refund me or apply to the XXXX payment the overpayment of {$370.00} for the month of XXXX? Most importantly, in both the XXXX and XXXX recast letters, the primary requirement by the U.S. Treasury 's MHA-HAMP for a homeowner to qualify for the recast was that the mortgage account had to be current and not lost good standing under the HAMP for more than 90 days. As a matter of record, since my mortgage was modified by XXXX in XXXX XXXX, I have not been late a single month. So, why should a rude and obnoxious supervisor deny me my rightful benefit just because I was out of the country to receive or respond to the XXXX letter? If Ditech could n't fulfill the recast start date within 6 days as stated in its letter, then what legal or moral ground does it 's supervisor have to deny me the recast even though the U.S. Treasury under the guidelines of HAMP deposited in full MHA funds with Ditech? Honestly, I find this type of corporate greed to be not only fraudulent but also reprehensible.
11/07/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77092	Web
XXXX/Ditech Complaint concerning XXXX I purchase Hazard and flood insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX underwrites hazard XXXX underwrites flood insurance See attachment # XXXX XXXX XXXX send {$1300.00} bill for flood insurance escrow pays marks payment as hazard See attachment # 2 pg XXXX XXXX XXXX XXXX XXXX sends {$1300.00} bill for flood I insurance escrow pays See attachment XXXX XXXX XXXX XXXX XXXX sends notice of bill to homeowner marked Do not pay we have billed your mortgage company See attachment # 4 XXXX XXXX XXXX sends bill for hazard insurance to Ditech escrow does n't pay See attachment # 5 XXXX XXXX XXXX sends bill for hazard insurance a second time to Ditech escrow does n't pay again XXXX XXXX cancels hazard insurance XXXX Hurricane XXXX hits XXXX damage to my home XXXX/XXXX/XXXX Receive letter from Ditech dated XXXX/XXXX/XXXX informing me I dont have hazard insurance and they are buying insurance for me at higher rate. See attachment # 5.5 XXXX/XXXX/XXXX Call to XXXX ( my insurance broker ) informed no hazard policy in place XXXX and XXXX They will investigate why. XXXX/XXXX/XXXX XXXX explains that the hazard insurance was not paid in XXXX XXXX XXXX/XXXX/XXXX call to ditech told story " they will look into it and call back '' XXXX/XXXX/XXXX Call to Ditech cust service XXXX XXXXook time to look into situation while I hold Comes back on and explained that yes Escrow made an error and transfers me to Insurance dept. Cut off XXXX/XXXX/XXXX call to Ditech Customer service XXXX she figures out what is going on transferred to insurance dept. XXXXXXXX XXXX write a Quick Claim Policy Gives me Claim number XXXX Say I will be contacted by claims XXXX/XXXX/XXXX call to ditech XXXX XXXX voicemail msg give claim number XXXX/XXXX/XXXX Call from Claims XXXX XXXX still waiting for policy to be written XXXX call to Ditech Claims dept XXXX XXXX waiting on policy number ( three call like this ) XXXX/XXXX/XXXX XXXX Calls to Ditech Insurance Dept spoke with XXXX then XXXX then XXXX transferred to Claims Spoke with XXXX then XXXX then XXXX XXXX/XXXX/XXXX Call to Ditech XXXX checked facts transfer to insurance spoke with XXXX. Assurant to write policy decision is with upper management XXXX/XXXX/XXXX receive call from XXXX XXXX informed it will cost me {$3900.00} to get a policy in place. Ditech has decided its not their fault. Asked to speak to supervisor. No was the answer XXXX/XXXX/XXXX receive call from XXXX XXXX XXXX I asked what the deductable and coverage was. The response was " you wont know until payment for policy is received '' I ask for supervisor Not available XXXX/XXXX/XXXX I discover that XXXX is the parent company of Ditech, and XXXX XXXX XXXX XXXX/XXXX/XXXX received email from XXXX with address for payment. No information on whom to make check out to or policy details. Replied asking for additional information. See attachment # 6 XXXX/XXXX/XXXX Call from XXXX adjuster XXXX XXXX XXXX comes by and looks at my home. I give him the short version of what is going on and he remarks Youd be surprised how often this happens XXXX/XXXX/XXXX I am awaiting a response from XXXX and filing this complaint. Bottom line is am being required to send {$3900.00} to a XXXX XXXX for a policy without knowing any of the policy details ( deductable or coverage ), for a mistake Ditechs escrow department made back in XXXX in order to get the hurricane damage to my home repaired Does this seem right to anyone?
04/29/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91764	Web
We can not get our XXXX mortgage out of BK status. It has been a year since our discharge and our loan servic er, Ditech LLC, will not correct th e problem. Our Chapter XXXX Bankruptcy was discharged in XXXX XXXX . During the BK, our loan was serviced by XXXX . We received a letter from Ditech dated XXXX XXXX , XXXX stating that our loan had been transferred from XXXX to Ditech. On XXXX XXXX , XXXX , I called XXXX to confirm the transfer of our loan. I spoke with XXXX , a Ditech CS Rep in XXXX TX. I informed XXXX that we had just recently had our BK discharged and wanted to make sure they were aware of it. XXXX said that we were in " Pre-Board '' s tatus and it would take 1-2 we eks for Ditech t o receive our file from XXXX . A couple of months later, I noticed that our loan was still being treated as a BK so on XXXX XXXX , XXXX I called Ditech to straighten out the mistake. After a two hour phone call and approximately four phone transfers between th e BK dept and customer service, I was told that they were aware of the BK discharge but could not fix it. Each department stated that the other department would have to change the " codes '' in their system to correct the problem. Everyone I spoke with entered notes in my file and said I would have to wait ano ther 1-2 m onths for our account to be corrected. In XXXX , when trying to make my mortgage payment online, I noticed that my payment had been increased but was not informed of the change. So, I called Ditech again. After making calls on XXXX XXXX , XXXX and XXXX nobody could explain the reason for the increase and I was also informed that our account was in a loan modification, which we were NOT. ugh! All three phone calls lasted 1-2 hours each with no positive results. During the final call on XXXX XXXX , CS Rep, XXXX - ID # XXXX , said she put notes in my account to fix the problem and she also requested that the BK supervisor, XXXX , call me back the following day. I never received a call from XXXX . I called again in XXXX , XXXX and experienced the same problems as before. However, when I dialed the phone number on my " statement '' I was immediately routed to the XXXX XXXX XXXX , a 3rd party vendor called XXXX XXXX XXXX ( XXXX ). XXXX said they could see evidence of the BK discharge in their system but they could not do anything to remove me from BK status. They can take payments but can not assist with correcting any problems because they are a 3rd party. They have no way to transfer me to Ditech nor can they give me a phone number to call XXXX to speak with them directly. XXXX ' suggestion was to mail a letter to Ditech. Really?? I called Ditech again this morning, XXXX XXXX , XXXX and got the same run-around. I can only connect XXXX and guess what ... .they are closed today! I called every phone number listed on any correspondence I have ever received fro m Ditech but I was always routed to NBS. I tried everything I could to try and " trick '' their phone system to put me through to Ditech but nothing worked. Please help me get this corrected. I am extremely frustrated and I feel that I have been more than patient. I have done my due diligence to work with Ditech to correct their error. I have even considered driving to their office to deal with this in person but I believe they are located in South Dakota and I am in California.
09/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84096	Web
My mortgage is with Ditech. The short summary of the problem is within this calendar year, Ditech has misreported on XXXX different occasions to the credit bureaus. The result of their continued errors is XXXX " 30 day lates '' on my credit report which has essentially destroyed my credit score and is preventing me from refinancing my loan. Since the start of the loan I have never been late on a payment. My payments have always been set to auto draft from my checking account. The long explanation is the following : In XXXX of XXXX, my escrow was re-evaluated and without my knowledge, my payment was increased by {$180.00} per month. Despite my regular payments continuing to be made on time, the payment amount was falling short. No efforts were made to contact me despite Ditech having my email address and multiple phone numbers on record. I was made aware of this discrepancy in XXXX of XXXX with a note posted to my front door. I immediately called Ditech to gain an understanding of the situation. On my first phone call I was told nothing was wrong and Ditech was simply trying to up-sell me on services. Not feeling right about receiving a notice on my door, I decided to check my credit report the next week and discovered a 30 day late was posted on the report. I called Ditech again and escalated to a supervisor to discovered the escrow situation and explained it to me. After understanding I immediately submitted a payment to make up the difference in the escrow adjustment and was verbally told the negative report would be corrected. I adjusted my regular monthly payments to the new amount and continued to follow up on the situation. Despite being told by multiple Ditech supervisors the XXXX negative report would be corrected, it was never removed. I then discovered a second " 30 day late '' report was posted for the month of XXXX. After multiple additional calls, Ditech finally discovered they misallocated my makeup payment from XXXX and the account continue to show a past due balance. They committed to correct the internal allocation mistake and again correct the credit reporting. After additional months of following up with dozens of phone calls, Ditech assured me the mistakes have been corrected and all should be well with the credit bureaus. My account finally shows current with them. In my most recent credit report check, the XXXX " 30 day late '' was removed, but a new " 30 day late '' shows for XXXX in addition to the remaining XXXX " 30 day late ''. All the while, I have been attempting to refinance my home in order to improve my financial situation. These past 7 months have been a nightmare trying to have them simply report accurately to the credit bureaus. I have spent countless hours speaking with dozens of different representatives located in separate offices across the country. It seems their internal communication between departments is non existent and I get no response. Again, I have never missed a payment, nor have I ever been late on making my payments. I simply desire to have the negative reporting removed from my history so my credit worthiness is reinstated. I should also mention my loan was with Green Tree Servicing who was absorbed by Ditech. The original derogatory credit reporting happened on my Green Tree account number. Ditech has changed systems and assigned new account numbers which does not help in correcting the negative reports on the old account number. Please help!! Thank you.
08/20/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92879	Web
We fell behind in our mortgage payments due to two factors. The first was excessive vet bills for our family dog XXXX the time that the mortgage was due, and second a XXXX which seemed minor before our close of escrow, however, resulted in additional medical bills and ultimately XXXX XXXX causing my husband to go on XXXX for three months. We contacted Ditech for temporary assistance - once the XXXX payments started we were able to make payments but not catch up. XXXX XXXX we made a payment which was to cover the XXXX payment - however Ditech left this amount in a suspense account and did not apply until we called seeking assistance and the customer service rep noticed it had not been credited. This was at the end of XXXX. In XXXX XXXX we submitted a complete modification package and then sent a revised XXXX on XXXX XXXX. Ditech did what is referred to in the industry as a " quick kill '' and declined our request on XXXX XXXX. Reason stated was that loan was not 12 months old. In their letter of decline they did not mention anything about an the FHA Partial Claim against the MIP. This was not included in the FHA Loss Mitigation Waterfall. During a phone call with Ditech is was agreed that we would enter into a repayment plan. We were to pay {$3800.00} with the first payment being due on XXXX XXXX. this payment would continue till XXXX. Payment was made - however did not arrive till XXXX XXXX. As of XXXX XXXX, payment had not been applied to account. The amount would have covered the XXXX payment more than half the XXXX payment. On XXXX XXXX a call was placed to Ditech and we were informed that payment had been placed in a suspence account because we did not meet the terms of the repayment plan. When asked why the payment had not been applied to the XXXX payment, no response was given other than they would send the request to apply funds. This will take 5 days. We agreed to also send in the remaining amount needed of {$970.00} to complete the XXXX payment. While this would keep us at 60 days late till such time as we could find another solution, it would avoid foreclosure and any notice of defaults being filed. this payment was issued XXXX/XXXX/2016. When we asked about the Partial Claim option - XXXX # XXXX stated that this was an FHA loan and she had never heard of this. We even had to point out to here the MIP payment that is part of our mortgage payment as she said Ditech does not even collect or charge for such a thing. We were transferred to XXXX at ext XXXX who had no idea what MIP was and said that Ditech did not participate in the MIP program. A certified letter dated XXXX XXXX arrived stated that a notice of default had been filed. Letter stated we were behind 120 days on our mortgage. However given that we had made a payment in for XXXX, more than half the payment for XXXX and XXXX was not yet over, we were not 120 days late. Even without the above-stated payment we would have been a little over 90 days, though this was not the case. The hardship encountered was temporary - verified and outside our control. As a result of Ditech not crediting the payment, I also started getting harassing calls from the broker who did our loan stating that Ditech was demanding money from them due to early default because we had gone 120 days late. Had the payment been accurately credited to our account this would not have happened. All we were looking for was some assistance. Our mortgage is affordable.
05/18/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CO 80219	Web	Older American
XXXX is the case number involving a complaint in which an escrow shortage pertaining specifically to homeowners insurance arose just after my husband and I contacted XXXX XXXX in XXXX, XXXX Our agent, XXXX XXXX initiated a conference call with our mortgage company Greentree Servicing LLC , who purchased our loan from XXXX XXXX XXXX . We had always escrowed our taxes and insurance in every loan we ever had, and the call was to set this up and have the lender placed insurance removed and XXXX XXXX added. We were about to save money and were convinced that the XXXX companies had done what we were asking them to do. We began making our new payment, which was still more than the payment we had when we modified our loan with XXXX XXXX XXXX in 2012, a fixed rate at 2 % for five years. We heard nothing until 4 months later, XXXX XXXX sent us a notice saying that we owed {$420.00} because Greentree had not paid them. The purpose of the call was to set up the insurance escrow with XXXX XXXX, so we were at a loss to understand why it had not been and where the money we sent Greentree went. Greentree gave us no answers, so we proceeded to use a new insurance company associated with XXXX, who insured our automobile. That company was XXXX. Our insurance was going to cost more, but we knew we were aware of XXXX 's excellent reputation. We began making a higher payment after finally getting noticed by XXXX that Greentree was paying them. This took longer than it should have, and we received several inquiries from XXXX alerting us that they were still waiting for monies to be distributed. We were a bit irritated that Greentree fumbled a few times in getting this right as well, but again, we felt convinced that the account was being handled the way we expected. Not too long after that, we were told by Greentree that an escrow " shortage '' had developed and that we were required to pay an additional {$140.00} over 16 months to make up for the " shortage, '' which had developed EVEN THOUGH we were making a HIGHER payment than the loan terms dictated. We are convinced that the money was being collected in XXXX department and shoveled somewhere else. In the meantime, getting no satisfaction from Greentree, we called XXXX and told them we wanted to remove the escrow and pay the insurance ourselves. We were told to call Greentree. We called and told them we wanted to pay taxes and insurance ourselves, but they said we could not without addressing the " shortage, '' which should have been a surplus based on the fact that our payment never went below the amount Greentree told us to pay when the loan was sold by XXXX XXXX XXXX. Being thoroughly displeased with Greentree and distrustful of them, we made XXXX individual payments of {$530.00} covering principal and interest. Our representative with Greentree, in fact, had instructed us to pay this amount XXXX time previous to this. Only a month ago, an unnamed paralegal from Greentree sent us notice of default with intent to cure, saying we were XXXX months behind. We believe this is criminal and that our loan is being deliberately sabotaged by Greentree while they avoid addressing the issue we addressed in filing the complaint cited in Case # XXXX. We are afraid of being displaced from our home. Meanwhile, Greentree continues sending encouraging us to call their loss mitigation department. We are tired of being victimized and do n't know what else to do except contact an attorney.
04/12/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 92131	Web
Green Tree again has and continues to violate certain RESPA laws surrounding the servicing and collections practices of my particuliar loan with them and maybe others. I am disputing the response they gave to my compliant below last year. As i have a doucumented letter stating and showing from my understanding to be A ERROR RESOULTON AND iNFORMATION REQUEST PROVISION OF THE MORTGAGE SERVICING RULES. ( 1024.359 ( a ) and ( 1024.369 ( a ) the letter indicates a unpaid principle balance error, amount paid to principal errors, amount paid to interest, amount paid to principal and interest errors, AMOUNT PAID TO ESCROW AND DISBURSED FROM ESCROW ERRORS. The letter shows payment reversals of XXXX principale and interest payments and XXXX other payments made to the account all dated XXXX, the letter also shows payment reversals dated XXXX and XXXX,. i spoke with my representative and she nor her supervisor or any one i spoke to could make sense of this. The peculiar reality about the math or speculative voodo math used is that while it may be performed without the intetion of being appied, the rigorous deductive resoning is abandoned, degraded and disreaged, or forgotten, resulting in only a mind numbering erntertainment excerise. I have attached the for proof of my compliant the letter sent to me on XXXX to dispute their response to my 1st compliant submitted XXXX XXXX. Green Tree has in my research and understanding of the CFPB rules and regulations has violated certain RESPA laws surrounding the servicing and collections practices. The Act of Interplay between the servicing rules, bankruptcy code, and the Fair Debt collection Practices ) : Communications with me as the Borrower under the Early Intervention Rule.the interplay between certain of the XX/XX/XXXX RESPA and TILA Servicing Final Rules and the Fair Debt Collection Practices Act. Error Resolution, Information Requests, and Loss Mitigation RulesXXXX. I have attached documentation from XXXX whom i started my loan modification with and was approved and while making and completing my trail period payments my loan was transferred to Green tree which they do n't seem to want to adhere to the disclosed approved loan mod they gave after 6 months of waiting for them to approve it. During this time the communication regarding the set monthly payment amount by XXXX was challenged by Green tree as they did not want to honor the agreed amount set by XXXX. From this point i have been in a constant battle with them to do the right thing by keep the agreed loan modification agreement sent and approved by both XXXX and Green Tree, dated as of XXXX XXXX XXXX i am now receiving threatening letters of notice of Default when my loan was current. Per the agreement in the summary it summarizes the New Principal Balance, any past due amounts including escrows will be added to the balance, INTEREST RATE, DEFERRAL OF PRINCIPAL, PRINCIPAL FORGIVENESS, ESCROW SHORTAGE, PAYMENT SCHEDULE, AND FEES. In conclusion, Green tree states that i owe a balance due to fees which the agreement states their are no fee or other charges for this modification, thee escrow shortage clause states that at the time they were aware of a shortage and that the shortage may be paid over a 5 year period and payment has been include in the monthly escrow as of the date of the agreement XX/XX/XXXX. Your help and attention to this matter is greatly appreciated my contact phone number is XXXX thanks again!
06/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08724	Web
I have been trying to apply for a mortgage modification for the past few months. I used a non-profit organization called XXXX XXXX to assist me in contacting the right department at the mortgage servicing company. XXXX XXXX was on a few of the conference calls with the mortgage servicing company when I would contact the mortgage servicing company. This is a key aspect because the conversations were recorded. To start the process for the mortgage modification application, I needed to complete a checklist. The first time around, I sent the items on the checklist certified mail to the mortgage servicing company. The package contained all of the required items on the checklist. I did not receive the signed return receipt for about XXXX weeks because they let the items sit in their XXXX XXXX for two weeks. The mortgage servicing company sent me a letter saying that they did not receive the items in the required time so they were cancelling the mortgage modification application. When I called them, they said the cancellation letter crossed in the mail. So they told me over the phone the items that I was still missing or incomplete. This time around, I uploaded the items directly on their network server over the internet. Again, I received another cancellation letter saying the items were not received in time. I contacted my assigned account representative at the mortgage servicing company that was on the documents and after explaining the issues that I was having with getting all of the documents to them, this person told me that all of the documents were uploaded on their server and to check back for a status. So I called the mortgage servicing company with the non-profit organization on the phone with me on a recorded line by the non-profit organization. Right away, the mortgage servicing company went right back to their bread and butter answer that all of the documents were not received. After telling the mortgage servicing company that my account representative had told me in a prior phone call that all of the documents were already received, the representative put me on hold for a few minutes. When they got back on the phone, the story changed and now not only did they confirm that all of the documents were received and the application will be processed now, several copies of each item were received. This was on a recorded line by the non-profit organization that was on the conference call with me listening in. I called about a month later to get a status and again, the mortgage servicing company went right back to their bread and butter answer that all of the documents were not received. After telling them that my account representative had told me in a prior phone call that all of the documents were already received and that the next person that I followed up with also confirmed the documents were received which was on a recorded line, they still stuck to their story that all of the documents were not received. They told me that my account representative was not authorized to tell me that the documents were received because that representative was not the person assigned to my account any longer. When I mentioned about the second person from their company acknowledging receipt of the documents on a recorded line, they had no answer and still stuck to their story that all of the documents were not received. They are asking me to resend the missing documents to start the application process.
09/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27609	Web
We have been trying to get a loan modification with Green Tree, since according to the girl that I spoke with at Green Tree two days ago, since XXXX!!! I think that it has been longer than that!!! Either our account representative or the person that the phone call rolls over to, voicemail is full or we never get the courtesy of a return phone call!!! I have received XXXX phone calls from XXXX different people at Green Tree, not even our account representative saying that they need to hear from me that day and all they leave is a name and phone number, no extension!!! I call them back that day before XXXX EST and either leave a message or attempt to leave a message and never hear back from them!!! They are located in Texas, XXXX time zones different from ours, so they should have plenty of time that day before they leave, I would imagine at XXXX, to return my phone call, if it was so important that I call them that day!!! We sent them all the information that they requested and received a letter back from them asking for paycheck stubs that we had already sent them!!! The letter gave us 30 days to get the paycheck stubs back to them! I called them XXXX times during that 30 day time frame to find out what paycheck stubs they needed this time, my wife 's paycheck stubs, my paycheck stubs or both of our paycheck stubs!!! I never heard back from them via phone or email, so on the XXXX day I emailed them the paycheck stubs!!! They had originally said that it would take about 30 days to do the loan modification, so 30 days after the last time I sent them the paycheck stubs, I called my new account representative and of course could n't get a hold of him either!!! I did get a hold of a girl who told me that the last paycheck stubs that they had received had to be received within 2 weeks of all the other information that they had already received!!! Nobody told me that verbally or by email!!! Why did n't they mention that in the letter that they sent me requesting the paycheck stubs??? How much sense does that make??? If they would have done that then I would n't have waited the whole 30 days that the letter said that I had to get them the paycheck stubs!!! If they would have cleared out their voicemail so that I could leave a message or returned a phone call when I did leave a message, then I would have known to send them them information in a 2 week time frame, not the 30 day time frame, stated in the letter!!! We originally had an account representative who come to find out was the manager of the department and then we received a letter stating that he was our new account representative!!! How much sense does that make??? He was already our account representative!!! The very next day we received that exact same letter dated one day later than the one we received the day before, that we have a new account representative with the same phone number, but a different extension!!! Today we received certified letters that said we are to appear in court the middle of next month for foreclosure proceedings!!! If Green Tree would have communicated better with us, they could have kept this from happening!!! The very first day that I spoke with our Green Tree representative, he told me that the Federal Government does not want another foreclosure, but it sure does look like they are going to get XXXX!!! I certainly hope that they do n't get ours after all that we have been through to try and save it!!!
04/21/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	DE 199XX	Web
In 2004 following a divorce I was in a position where I had to file bankruptcy. I did file and I did a reaffirmation on my vehicle and also I thought on the home mortgage. After the bankruptcy was discharged I learned that for some reason the mortgage company did not accept the reaffirmation. Part of the issue at the time is that the mortgage companies were switching. At the time of the bankruptcy discharge the mortgage company was Green Tree Mortgage. I continued to faithfully pay my monthly payment and in the past 12 years have not only made my payment but also did an additional payment to principal. I have been assured by the mortgage company as long as I continue to make my payments when the loan is paid in full the house would belong to me. Unfortunately, during this time the mortgage company continues to carry on my credit report that I am in bankruptcy and it does impact my credit. I am getting ready to purchase the land the home is situated on and want to make sure my credit is in good standing. I reached out to the new mortgage company Dietech and researched once again the possibility of doing a reaffirmation of the loan. I explained to the representative I was talking with the situation and the fact that I have a copy of the original document for reaffirmation that was not followed through with. I also researched that it was not necessary to open the bankruptcy up again to do a reaffirmation. Dietech at the time agreed that if I provide them with the information we could get this done and I could get removed from my credit report the bankruptcy information. I submitted all the information, they received it and I received a letter they were working on it and give them 4 weeks. It has now been longer that 4 weeks and I called and spoke to a representative and was told that they would not do it unless I filed through the courts and opened the bankruptcy -which would do further damage to my credit. I am extremely frustrated and disappointed in the way I was treated - I feel it was unfair of them to lead me on to think I finally could resolve this long standing issue only to be told they would not go through with the reaffirmation. I feel that I am being continually pointed out for the bankruptcy that occurred approximately 12 years ago. I feel I have no recourse at this juncture and to file a complaint may help in someway. I am not in the position to hire an attorney to continue with this - and again, when I researched through the bankruptcy court site - I did not have to open up the case again to do a reaffirmation. Their customer service in my estimation did nothing to assist in understanding their position - they just read the remarks that were made on the account. Just knowing that I have been a faithful customer all these years to the point if I continue paying the way I am - I can have the house paid off in 5 years approximately 7 years earlier than the 30 year term. Why they will not work with me on this issue is beyond my understanding. I am not sure why they are making it difficult for me to do a reaffirmation - it truly benefits them on their end ultimately. The only thing I fear now is after all these years of making my payment when I paid the loan in full - they will try and take the house or tell me I do not have any rights because of the failure for a reaffirmation. I would greatly appreciate any assistance I can get on this issue. Kind Regards XXXX XXXX XXXX
07/29/2015	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	FL 32773	Web
My real estate agent is doing a short sale on my home. Green Tree hasa XXXX lien on the property. They gave us an approval letter on XX/XX/XXXXgiving us XXXX weeks to close. My agent called them to ask for XXXX weeks so thebuyer would have time to process his loan. She was told if XXXX whoholds the XXXX lien gave us more time, Green Tree would give us anextension. XXXX said, we needed at least XXXX days to close on the file. Agent called back left message with no response from GreenTree. Agent kept calling/emailing every few days with no response. Agentcalled and tried to email GreenTree directors but emails would n't go thru.. XXXXAgent left messages on other GreenTree phones to no avail. After XXXX weekone GreenTree personal called back and told agent that loan wasscheduled to be charged off on XXXX/XXXX/15 and to resubmit paperwork to faxnumber on the approval letter and call XXXX hrs afterwards to confirm receipt. Agent kept calling every few days leaving messages to no avail. Agent called and got a live person and asked to speak to a manager. Manger came on the line, agent told manger the problem and thatmanager gave her the manager XXXX XXXX phone number to theLoss Mitigation Department. Agent called Loss Mitigation managerand left him a message. No response from manager. I called and left hima message also with no response. Agent called him back next day andhe answered the phone. She explained the situation to him and hisresponse to her was. " A good agent could get this closed in 2 weeks. Agent responded that the buyer needed more than XXXX weeks to processhis loan and if it was a cash buyer, XXXX week was doable. Managersresponse was, '' they close cash deals in XXXX days and a good agentcould get it done and that was the bottom of the barrel ''. Agentresponded the buyer needed XXXX days to close and XXXX wanted XXXX daysto close also. Manager said he was emailing another manager to see ifthey were going to charge off the loan on XX/XX/XXXX and would get backwith agent. Agent asked him if he would call back that day or Friday thenext day and he replied no, I will call you back on Monday. Monday camewith no response from Manager so agent and I called and left managermessage asking him to call back. No response. Agent called back later inthe afternoon and manager answered phone and stated they werecharging off loan on XXXX/XXXX/15, but if agent could get manager XXXX notcharge off the loan he would give us until XX/XX/XXXX or XX/XX/XXXX to close on the file. Agent and I have been calling XXXX, for the last XXXX weeks with noresponse from her. We have left messages for other GreenTree personalwith no response from them. On XX/XX/XXXX agent called customer service, talkto XXXX and asked for a manager. He responded none were available. she explained the situation to XXXX and he said XXXX was at lunchand would be back in XXXX minutes and he emailed her asking her to callagent. No response as of today XX/XX/XXXX from XXXX or anyone else. Wehave worked so hard to bring this file to the closing table and we onlyneed GreenTree to allow us XXXX days to close the loan. If Green Treewould have given us XXXX days to close when they issued the approvalletter on XX/XX/XXXX we would be closing on this file on XX/XX/XXXX. We have tried forthe last XXXX days to resolve this issue with GreenTree and have had NOresponse from them. We need help! Thank you in advance for all your help!
11/03/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	OR 97304	Web
I have this account for 22-years. Ditech assumed servicing this account some years back. Until XX/XX/XXXX, for 22-years, this account has been paid on time each month. Then, in XX/XX/XXXX of this year, my headache with Ditech began. As best I can discern, in XX/XX/XXXX the firm moved my account from one internal system to another, thus deactivating my ACH payment. Apparently a letter was sent to me, but my accountant does not have record of having received it. In any event, in early XX/XX/XXXX, while reconciling my financial statements, my accountant noted the Ditech payments had not been withdrawn from my account. Payment was immediately sent to cure the deficiency and a request was made to resume the ACH payments. The Payment in XX/XX/XXXX was applied, according to the firms letter of XX/XX/2019 ( See enclosed ), to a suspense account and not properly applied to my account while we completed account maintenance. After my contacting your firm on XX/XX/2019, the funds were reversed and applied to my account. In the intervening time your firm reported this account as delinquent to national credit reporting bureaus. Your firm noted in your letter of XX/XX/2019 that Ditech reported the XX/XX/2019 due date as 30-days past due as payment was not received until XX/XX/2019 - despite the fact that simple math shows that this payment was not 30-days late by their own admission. In that same letter, the firm refused to correct the false reporting to the credit bureaus. The larger point is that the XX/XX/XXXX payment was not posted timely to my account because it took several calls to the company to have funds moved out of the suspense account and properly credited before we could ascertain the correct amount due. I initiated payment over the phone on XX/XX/XXXX once Ditech representatives verified the amount due. At that same time, I reset the process that was suppose to ensure ACH payments for future payments. This brings us to XX/XX/XXXX and XX/XX/2019. After receiving Ditech 's letter dated XX/XX/XXXX, I called the firm and sought to verify that the account was current and to set-up ACH payments. I initiated a telephone payment for the amount claimed due of {$190.00}. On XX/XX/2019 I was notified that the firm again reported my account as 30-days delinquent to national credit reporting bureaus. I again contacted the firm and initiated a payment in the amount of {$400.00}, which when combined with the XX/XX/XXXXpayment, I understood ensured that the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019 payments were made. Now comes XX/XX/2019. On XX/XX/XXXX, I was notified by the national credit bureaus that the firm again reported me 30-days late. I called the firm on XX/XX/2019. I was told in that conversation that the payment of {$400.00} I made in XX/XX/XXXX was being held in a suspense account and had not been applied to my loan account. The Ditech representative was unable to explain to me the amount due, if any. The amounts discussed ranged from Im not sure, to over {$1000.00}. It is obvious that there is something fundamentally flawed inDitech 's business processes, and, more importantly, they have damaged my credit reputation by their inability to 1 ) maintain my ACH payments due to their business process changes, 2 ) properly record my payments when made, 3 ) and have systems that allow for consumers to have timely and accurate information about the status of their accounts.
12/05/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30041	Web
Refinanced my house in XX/XX/XXXX. Mortgage has been sold and transferred to a number of companies including XXXX XXXX XXXX, GreenTree and now Ditech. Any late payments over the years have been addressed and the loan/mortgage is current.. You will notice the history of pages 6 & 7 of the attached document. The mortgage with Ditech has been current since the XX/XX/XXXX history started. No notices of problems or late payments. Ditech allows payments to made online and are not considered late until XX/XX/XXXX. I utlize the online payment portal. XX/XX/XXXX when I went to make my payment, the online system said I owed back payments of $ XXXX. When I contacted Ditech, they told me it was a system error and all I owed was my normal payment of {$1500.00}. Since XX/XX/XXXX, I have received several notices ( copied attached ) that I am behind on my mortgage and subject to foreclosure. Note on page 1 of the attachment, dated XX/XX/XXXX. " We are sending this notice to you because you are behind on your mortgage payment. We want to notify you of possible ways to avoid losing your home. We have a right to invoke foreclosure ... .. '' Note : Payments are NOT late until XX/XX/XXXX and as of XX/XX/XXXX, I was NOT late. Please refer to the attached payment history. Letter dated XX/XX/XXXX : Provides notice that I had a specific account rep who can reached at extension XXXX. ( Subsequent attempts to reach this account rep have failed. The phone system does not recognize the entry of this extension ). Letter dated XX/XX/XXXX : Says I owe $ XXXX and indicating payments had not been received going back to XX/XX/XXXX. WRONG. Letter dated XX/XX/XXXX : Says I owe {$1500.00}. WRONG. I did nothing to pay off the previously stated $ XXXX and I did nothing to pay off the previously stated $ XXXX but I did pay my regular payment on XX/XX/XXXX. According to their history, this payment ( taken via phone on XX/XX/XXXX ) posted on XX/XX/XXXX - but now I owe {$1500.00}? WRONG. Please note on the history the activity on XX/XX/XXXX : Reallocation - Principal ( {$4900.00} ) Interest ( XXXX ) Escrow ( {$6200.00} ) - Principal balance increase by {$4900.00} Please note on the history the activity on XX/XX/XXXX : Reallocation - Principal ( {$3800.00} ) Interest ( {$10000.00} ) Escrow ( {$1600.00} ) - Principal balance increase by {$3800.00} Please note on the history the activity on XX/XX/XXXX : Payments - Principal ( {$3000.00} ) Interest ( {$4200.00} ) Escrow {$850.00} - Total Payment {$1500.00} - Principal balance increase by {$4200.00}. Please note on the history the activity on XX/XX/XXXX : Payments - Principal {$33.00} Interest ( {$33.00} ) Escrow {$17.00} - Total Payment {$00.00} - Principal balance decrease by approximately {$33.00}. From XX/XX/XXXX to XX/XX/XXXX - my principal balance increased by {$11000.00}. Why? Where did this come from? Please note page 8 of the document : Current loan details shows I am current. I do n't owe a payment for XX/XX/XXXX? Why? I have not paid for XX/XX/XXXX. My principal balance is {$240000.00} ( already addressed ). Why the increase? Maturity date of XX/XX/XXXX? Over 36 years from now? I do n't remember ever refinancing my house for more than 30 years. I do n't remember any refinance or modification since XX/XX/XXXX. I would like an explanation with supporting documentation provided for this manipulation of the numbers and these issues FIXED.
08/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48219	Web
household finance moved mortgage to XXXX. This was a 'pay on time and get reduced interest each year ' loan. i had auto payments so my payments were never late in XXXX XXXX years household finance held the mortgage. In XXXX XXXX account number changed when it went to beneficial, auto pay payments for mortgage were misapplied and i was charged late fees and interest. That issue was never cleared up. XXXX charged me for paying property taxes that i had already paid and i provided proof. However they had the wrong amount to begin with and the wrong parcel/land information and apparently the county sent the 'money ' back to XXXX. In XXXX the extra monies taken from my checking account for the erroneous property tax issue and regular mortgage payment, were never applied to my account. This money sat in an " unapplied funds '' account and i was charged late fees and interest on this as well as the misapplied mortgage payment prior to this. i was assured on several occasions that it would be cleared up and it was n't. I did n't make payments based on the amount of money they had already collected. i sent XXXX payment in XXXX which was cashed, XXXX XXXX payment never cleared, XXXX payment in XXXX returned showing account in default. when questioned where the payments were, i received a detailed billing ( in 3pt font ) in XXXX. XXXX XXXX i was sent a bill and again in XXXX XXXX i again questioned missing payments and if i was in default, why did they cash the XXXX check, why was I being billed and not in foreclosure, etc. In XXXX XXXX I received a letter from XXXX XXXX that Green Tree had my account and to continue sending payments to them. However, i had NO account number, or billing statement. I contacted Green Tree and they never took any information from me but said my account was being 'boarded '. In XXXX XXXX, XXXX XXXX, not XXXX, sent me a lien release. XXXX XXXX XXXX XXXX sent me a zero dollar balance statement of my account. XXXX XXXX, XXXX Green Tree 's collection agency sent me a collection letter that they acquired my account XXXX/XXXX/XXXX for alleged mortgage amount with option to dispute amount and fees, taxes, etc would be settled up once they received that large lump sum. I checked with the county deed 's registrar 's office and household finance shows my lien was released in XXXX. The XXXX XXXX letter is also the very first time I was ever provided an account number. No one has addressed why XXXX finance did n't put property tax money in escrow, where the misapplied funds are and how much my true balance is based on the errors in XXXX. Not one foreclosure notice from either agency. All i know at this point, XXXX released the lien 11 years prior to moving my mortgage in XXXX, never cleared up the account issues and nullified the action of account with them being in default by cashing check in XXXX. It appears that in order to avoid further issues, XXXX XXXX sold the mortgage in a 'batch ' and let Green Tree settle. However, Green Tree could not provide information ( XXXX & XXXX ) never took my name or social security number to research and I was told by a representative that she could n't help me until after i received a special letter or she would be fired. I want them to release the debt that XXXX has already written off as bad debt, which was actually due to their error they never fixed, and remove it from my credit report and leave my home and well being alone.
05/03/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	ID 83854	Web
My daughter, XXXX XXXX XXXX, obtained a loan on or about XX/XX/XXXX to purchase a manufactured home from XXXX XXXX, a XXXX XXXX, Title Number XXXX, VIN # XXXX, XXXX XXXX XXXX XXXX XXXX, Description : XXXX XXXX, to which XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, placed a lien on the title issued by the Idaho Transportation Department. In XX/XX/XXXXmy husband, XXXX XXXX. XXXX, obtained a loan through XXXX XXXX in XXXX XXXX, Idaho, on 2.66 acres of land and the manufactured home originally purchased by my daughter as described in the paragraph above. This transaction paid the XXXX XXXX off and should have satisfied the lien that XXXX had placed on the manufactured home. My husband, XXXX XXXX. XXXX, died XX/XX/XXXX ; and I, XXXX XXXX XXXX, was appointed by the Court as Legal Representative. In XX/XX/XXXX or XX/XX/XXXX, exact date is unknown, I paid the loan with XXXX XXXX in full. XXXX XXXX issued a Deed of Reconveyance on the land and presumably on the manufactured home which my daughter, XXXX XXXX XXXX, had signed off interest in when XXXX XXXX lent the monies in XX/XX/XXXX. XXXX XXXX failed to provide the original Title issued by the Idaho Department of Transportation when the loan was paid in full, so it can not be verified that XXXX had signed a release of lien on the title to the manufactured home ; but, I can not imagine a lender wouldnt have demanded a release of lien upon providing funds for the payoff. XXXX XXXX has now been assumed by Ditech and XXXX XXXX has been assumed by XXXX XXXX. Neither Ditech nor XXXX would have had to service a loan on this manufactured home because the monetary obligations had been satisfied prior to both assumptions. Ditech was notified on XX/XX/XXXX, that they needed to provide a release of lien to the Idaho Department of Transportation on the manufactured home in question. On XX/XX/XXXX, after no response to my request, I again contacted Ditech and they asked for an Idaho Title Search to try to identify the original loan. The title search was provided the same day. On XX/XX/XXXX, Ditech wrote a letter stating they could not locate an account and I needed to provide them an address for the manufactured home and a complete social security number. I called Ditech at ( XXXX ) XXXX and talked with XXXX ( extension XXXX ) and she tried to connect me with the Manufactured Home Department without success. She said that she would submit the requested information which I had provided ; but, also gave me a direct number to contact the Manufactured Home Department myself ( XXXX ) XXXX. On XX/XX/XXXX, I again attempted to contact Ditech to resolve the matter. I was unable to talk with any human, but did leave several messages on their recorder. I also tried the original number given and encountered another brick wall. I read on the internet that Ditech is having financial problems which makes prompt resolution of utmost importance before another financial entity becomes involved. On XX/XX/XXXX, I also attempted to resolve this problem through XXXX XXXX who had assumed XXXX XXXX. XXXX XXXX having failed to return the Title to the manufactured home when the loan was satisfied. They were unable to identify the loan with my husband ; and, they told me that they were only required by law to keep the information for 7 years and since this loan was paid off in XX/XX/XXXX or XX/XX/XXXX, they didnt have the information any longer.
09/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60563	Web	Older American
I already setup a previous complaint under XXXX on XX/XX/XXXX. But, this one will be more in line with what the problems I have been having because attachments are avaioable which has already been sent to the lender 3 weeks ago. The most difficult thing is that my mortgage company has not corresponded with me throughout their purchasing commitment of another lender during all of last year and until this year XXXX XXXX. They caught me off guard by sending out my very first mortgage billing statement attempting to collect a debt of over {$12000.00} on top of multiplying my first mortgage by over XXXX % from the original {$1000.00} amount that we 've paid since XX/XX/XXXX when we financed our loan that we were sure that the taxes were included under the XX/XX/XXXX loan purchased. Needless to say, it was not and we started out paying the tax separately until I got sick with a XXXX XXXX and I requested them to escrow mymy taxes so that I could afford to pay them starting in XX/XX/XXXX. The original Lender promised that they would do this and I corresponded with many people in order to make this happen. Lender then drug their feet for years on this and many tmes said they would start doing this back in XX/XX/XXXX and XX/XX/XXXX. The taxes ballooned out of sight due to my situation and then left to protect their purchase the new lender decided to pay all 4 years of back taxes that balloned out of control and then send us ahuge billand called it a Corporate Advance for the entire amount without a record of payment/receipt. This was not the way we requested it be done over the past 6 years and they had no records of the amount of payments and the notification of the easy payments that we ask them to set up for us over the entire length of the remaining balance because they allowed penalties and interest to incur yearly and some for 4 years where we would n't have had that prblem if they did what they promised. Also, the penalties caused them to incur {$10000.00} in excessive debt to my accouint that should not have, they were not reducing our principal balances ( due to set up as unapplied funds ) because they showed us not paying an exaggerated schedule of mortgage debt that was never reflected or sent to us and therefore the mortgage payment was determined to Not be paid in ful for over years. We need for them too reduce the estimated mortgage balance by {$35000.00} or more based upon our evaluation and lack of notifications, lost paperwork and estimations of penalties, interest, taxes, lack of escrow and other mishanlding that occured regarding our mortgages. The principal balance shou ; d have been reduced every month and the inetrest on the account should have been dropeed to a resectable 3/875 % as I refinanced with another lender so I can save over {$1800.00} per month based up the interest rate and overall mortgage balance of {$200000.00}. This should be the highest of the entire mortgage balance as estimated by another lender and the payments should not be over $ XXXX@3.875 % they offered with escrow taxes included under the payments combined with the homeowners insurance or PITI in total. And, lastly due to all of the hardship caused by the credit filing reflecting more than 8 months behind all of a sudden this problem mus bring us back to good reating and can not ever show up on our Credit Reports again causing us to lose refinancing options offered to us. Thank you
06/16/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30088	Web
Green tree XXXX what you want to call it is a disgrace to mortgage lending. lets go back to when i refinance with then green tree/XXXX. in XXXX i was doing fine in a HUD loan paying XXXX monthly. we decided we wanted to do some home repairs so we were going to get a XXXX mortgage through green-tree/XXXX, i was told that we could get a loan of XXXX paying XXXXmnth. after a long wait for the funds we told we had to refinance. biggest mistake ever on my part. i agreed. not knowing about balloon payments, pre payment penalties, and all the tricks. we fell victim to green tree 's predatory lending practices and it did n't take long for us like many other to be " underwater '' in our loan, we owed more than the home was worth. went went from paying {$880.00} to paying XXXX with 11.5 % INTEREST RATE. it was too much for our income which by the way the green-tree XXXX broker provided false XXXX and pay-stubs to further set us up for failure from the get go. eventually we got a couple months behind and our loan was sent to the collection department. wow! where should i begin. XXXX it was so much dishonesty and corruption all the agents used the XXXX and XXXX in the beginning. different people, same name. they would call XXXX in the morning up till XXXX at night demanding payment sometimes XXXX a day. they would call family, friends and neighbors. they would give personal information to third parties.it seemed there goal was not to collect but put us in worse situation, example we would be a month behind, they would refuse to take that months payment if we did n't pay the upcoming months payment which was n't due yet. if i sent it to them they would send it back. then demand three months payment and then threatening foreclosure cause now the loan is in " default '' by there standards. understanding we were over our heads we attempted to sell the property but could not cause of their prepayment penalties. we were stuck. I paid green-tree XXXX and refinanced to a still outrages 8.9 % now paying XXXX over the next couple of years although we struggled paying that amount we did. green tree got worse with there collection practices. threats. unreasonable demands for money, often telling me to borrow the money from strangers, refusing money one month then taking it the next month. then they began to harass my elderly mother. i warned them that she was not healthy and to deal with me only but every chance they got they called her. XXXX confusing her head with threats of having her removed from the home immediatelyXXXXin recent years i eventually had to file bankruptcy protection paying {$220.00} to them while still paying mortgage. my mother is XXXX yeas old a very comfortable where she lives thas why we fought so hard for this property. but its been a constant struggle with green tree and there blatant non professionalism and unfair collection practices. after all these years we finally got our mortgage to a affordable rate and monthly fee but my mother fell victim identity theft and a check was returned. it went to collections although by then we settled with the bank and were willing to pay what we were behind, green tree sent it to foreclosure. eventually cancelling it. right now where in limbo. they wont except what we are behind. they want money from before the bankruptcy. over XXXX we are just sick and tired of this company and feel something needs to be done. starting now!
01/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28358	Web
My wife and I originated first home loan with XXXX XX/XX/XXXX after we were married. When the loan was originated the company offered XXXX % financing with the stipulation that we pay Preventative Mortgage Insurance ( PMI ). We were told by the lender that the PMI payment could be eliminated from the payment once the loan was paid to XXXX % loan to value ( LTV ). Additionally, the XXXX statements we received each month had a statement on the back, stating that we could request in writing to have the PMI removed when the balance was paid down to 80 % or the PMI would be automatically removed once the loan reached XXXX % LTV. During the life of this loan, it has been sold numerous times to different companies and is currently with Ditech. Around XX/XX/XXXX, our estimates have that the loan was at or below XXXX %. We called and requested that the PMI be removed and the customer service representative stated that we needed to do so in writing, and so we did. They declined our request due to a late fee that had been charged to our account in the amount of {$10.00}. We explained that we have never been late with a payment and that the payment is automatically drafted out of our account. After researching, during one of the transitions of financial companies owning our mortgage, they did not take out the payment on the due date and caused us to be late. They agreed that this is what happened and agreed to remove the late fee, but to this date the late fee has not been removed. After the late fee issue was resolved, they stated that we would need to pay $ XXXX-XXXX for a new appraisal on the property to determine if the LTV was at or below 80 %. We decided not to incur the expense and wait until the the LTV to reach XXXX % and just fall off. Around XX/XX/XXXX we started calling to inquire about the PMI and the removal of the late fee. We were sure the LTV was well below XXXX %, but they were adamant that I provide the request in writing. The written request was sent XX/XX/XXXX. They responded that my PMI would not be removed until XX/XX/XXXX as their records show that is when my LTV would be at or below XXXX %. After numerous calls, I finally reached XXXX who was the agent on my account. We had a discussion concerning these numbers : Origination amount {$68000.00}, current payoff as of XXXX/XXXX/XXXX {$50000.00} ( round up to XXXX to account for late fees and anything else they come up with ) and the formula of orig / payoff = XXXX % LTV. Once he realized that I was below the XXXX % threshold he changed his tune and stated that they could n't remove PMI until XX/XX/XXXX because that was the date on the original amortization schedule for us to pay the amount down to XXXX %. I responded that this was never disclosed to us in any fashion and further we were told the PMI would be removed once the LTV was at XXXX %. He acknowledged the LTV was below XXXX %, but that he was unable to remove the PMI without an appraisal at our expense. I 'm requesting that they research my account and reimburse me the additional paid PMI that I paid while the XXXX was at XXXX %. I also request that they remove the PMI from my payment immediately. This practice is unethical and misleading. My research has concluded this company has thousands of complaints against them and I 'm unsure how they qualified for HARP funds and the bailout with such unsavory business practices. Thank you, XXXX XXXX
08/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 463XX	Web
In XXXX XXXX, Green Tree Services purchased our mortgage from our lender XXXX XXXX XXXX. We had never been delinquent nor had any issues with XXXX XXXX XXXX loan servicing. In XXXX XXXX we had filed Chapter XXXX Bankruptcy, 100 % full payback but the mortgage was paid outside the bankruptcy by us every month. Upon purchase we started to make payments to Green Tree. There was never an instance where we were ever 30 days past due and we paid our mortgage religiously. In XXXX XXXX our bankruptcy was discharged and fully paid. My issues with Green Tree are as follows:1. They refuse to remove it from the bankruptcy division and allow us access that other paying clients have on their website. Such as instant pay offs. 2. Their statements they mail to my home never contain information on payments received previously or interest/escrow/principal details that would be on a normal statement. They claim those statements are mailed to my bankruptcy trustee, but they were not. 3. We are in process of selling our home now and getting a payoff letter takes literally weeks and several phone calls. And they refuse to fax or mail the letter to us personally. However, every other Green Tree customer, who is not managed by the bankruptcy department, can obtain an immediate payoff via the website. I requested one payoff in XXXX XXXX and I had to make XXXX phones calls and threaten to sue before I finally was able to obtain a payoff letter. The sale was postponed due to Green Tree error with property taxes. So, on XXXX/XXXX/XXXX, I faxed a second request. Today, XXXX/XXXX/XXXX, I called and spoke with XXXX in the Bankruptcy division, who told me they did receive the request on XXXX/XXXX/XXXX but no one ever bothered to process the request. Even though the request had a deadline date of need for Friday, XXXX/XXXX/XXXX. He stated he would request a rush but could not guarantee it. 4. The reason of the delay was I had called Green Tree on XXXX/XXXX/XXXX to find out status of original payoff request and informed them the property was being sold on XXXX/XXXX/XXXX. They agreed to send over the payoff letter immediately. I logged into their website that afternoon to print off my escrow balance and payment history. My escrow balance at that time was positive {$520.00} and change. When I logged in the next morning to check on something else, my escrow balance had went to a negative {$400.00}. Because they had paid the XXXX half of the property taxes. When I asked why they would pay when the taxes were not even due until XXXX/XXXX/XXXX and make the escrow negative, knowing that I called in to state the property was closing and being sold, they could not answer the question. 4. They refuse to report to the credit bureaus our payment history and are affecting our credit scores. My husband and I have managed to re-establish credit and raise our scores into the high XXXX XXXX. Their refusal to report is affecting that because the payment history would have a positive impact on our scores. Their mismanagement of my requests for payoff, refusal to report to credit bureaus and early payment of property taxes has affected our financial security and well being. They will affect our ability to obtain financing on future homes by their actions. They are causing extra, undue financial expense with their failure to respond timely to requests and affecting our ability to close on the sale of our house.
10/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95966	Web
Account number XXXX : Originated with XXXX, to XXXX to Green Tree. On or about XX/XX/XXXX, I requested a loan modification from XXXX XXXX XXXX who held my XXXX on my home ; and from Green Tree Financial who held my XXXX. XXXX XXXX was owed {$130000.00} at 5.25 % and Green Tree was owed {$180.00}, XXXXXXXX7.0 %. My home at the time was valued at {$250000.00}. The issues I had were loss of income via a divorce and I was medically retired from an XXXX. XX/XX/XXXX, I hired XXXX XXXX in effort to modify my loans so I could afford my home, which was court appointed to me from the divorce. On or about XX/XX/XXXX, XXXX XXXX agreed to extend my loan to a XXXX year mortgage in effort to drop my payment which I accepted. XX/XX/XXXX, A XXXX XXXX from XXXX XXXX worked with Green Tree mustering a deal that I pay {$2600.00} and {$600.00} a month for XXXX months. He went as far as calling Green Tree telling them he was me and accepting the deal without my knowledge or permission. That deal did not happen and XXXX just walked away without any notice to me.. Green Tree closed the second on my house, which I am paying them {$900.00} a month on the principle only payments. They also refused to modify my loan prior to closing it. In XX/XX/XXXX, XXXX XXXX XXXX sold my XXXX to Green Tree Financial. I knew the XXXX would start again based on the all the issues I had with them before and it did n't take long. My bank XXXX XXXX XXXX automatically makes my house payment. I made my payment from my bank to Green Tree on XX/XX/XXXX. On XX/XX/XXXX Green Tree without permission took a XXXX mortgage payment out of my bank. I immediately put a stop payment on the funds Green Tree illegally took from my account. Since then I have had several conversations with Green Tree representatives including a XXXX XXXX. Green Tree has taken the position that I did not make my payment in XX/XX/XXXX, which I had. The payment I made to Green Tree they posted, but not to my first. This was admitted by XXXX in words such as and in summary, we misappropriated your funds, I see where you made the payment and it went into another fund area. XXXX went on to say that I owe them an extra {$330.00} for something but could n't say why. He demanded a telephone payment for that and I refused. XXXX said he would get the funds placed in the right place. On XXXX XXXX, XXXX I received a call from a female representative telling me my payment was late. I told her it was sent to Green tree via my bank on XXXX XXXX, XXXX ; per my bank records. She said that payment was applied to me missing payment I missed in XX/XX/XXXX. Once again I argued with her that my payment was made and I was not late. She insisted I did not make my payment, that the payment was cancelled. I explained the is to her that Green Tree took an extra payment and it was cancelled by me. She tried to say I set up automatic payment through Green Tree which as I explained to her I did not. She did everything in her power to get me to admit to setting up automatic payments on my XXXX, which did not happen. I have received XXXX telephone calls from Green Tree including several computer calls, up to XXXX. I continue to receive bills from Green Tree indicating that I am a month behind which I am not. I have all supporting documents as to the facts I am presenting. The harassment I have received from this institution over the years is ridiculous and unwanted.
07/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 34212	Web
Green Tree Servicing LLC has taken so long in processing the short sale of my property that I 've had XXXX buyers walk away from their contracts which they 're allowed to do after a set amount of time. Greentree has several departments ( Customer Service, Foreclosure, and Loss Mitigation ) that were interfacing with me, but not with one another. I completed all the required documentation and forms and provided all the requested info to pursue the short sale. All this stuff was submitted to Greentree via my attorney who was authorized to represent me. Greentree continued to pursue the foreclosure process and they continued to contact me about not making mortgage payments. The folks that my attorney were working with seem to be the only ones that knew what was going on. I continued to receive letters assigning me new customer account reps as well as letters stating that they need more info. I sent every XXXX of these letters to my attorney and my attorney assured me that she was talking with the loss mitigation department XXXX times a week and they said they had everything they needed. I received XXXX or more letters stating that my short sale request was declined. XXXX of them was when all the info was already reviewed and submitted XXXX for review. Why would I receive a letter stating that my request for a short sale was denied due to no response from the seller 's agent when the packet was already completed and submitted to XXXX for review? I have a mountain of documentation from Greentree that I 've been collecting since XXXX of 2014 with all the communications that show they were pursuing foreclosure and the short sale at the same time a third department was continuing to ask me for my mortgage payments. The few times I contacted my assigned customer account rep they did n't even know what was going on with my account. I had to tell them to look in the computer to see what it says for my account. And then they acknowledged that my attorney 's name and my real estate agent 's name was in the computer and that I 'm pursuing a short sale. They would automatically call me to harass me for money without even looking at the account info to see that I was pursuing a short sale. Last week I received a complete packet from Greentree with options for staying in my home or leaving my home and avoiding foreclosure. I have n't been in my home for the past year and a half and I 've been working with Greentree for the past year or more and this packet they just sent me is starting the process from the beginning like they have n't been working with me. I 'm stuck in an endless loop with Greentree. I do n't understand why this type of behavior is legal. I pursued the short sale due to personal and financial hardship, but at this point it seems obvious to me that the short sale is never going to happen because Greentree 's internal departments continue to crash into XXXX another and I 'm suffering the consequences. My house should have been sold before the end of 2014. I 'm convinced that nothing I do or give them will move the process to completion. The house has been on the market for almost a year and a half and if I am lucky enough to find a third buyer, I have no confidence that Greentree will be able to process the short sale to completion. At this point Greentree needs to take ownership of this house via deed in lieu of foreclosure so I can get on with my life.
11/06/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 45356	Web
Ditech and their 3rd party Vendor, XXXX, 1 ) Created an escrow account for my loan when I paid extra interest % to NOT escrow my taxes or insurance. Verified with XXXX County Treasurers office, Taxes never late or delinquent, and provided ownership details on other parcels paid for with my funds. All taxes paid on time for my parcel since XX/XX/XXXX, per XXXX County Ohio. 2 ) Attached 4 additional parcels to this escrow account that I do not even own. 3 ) XX/XX/XXXX, Automatically withdrew {$3000.00} for a mortgage payment of {$1100.00} 4 ) Failed to refund excess funds withdrawn for 30 days ( {$1900.00} - funds due on another loan ) while this issue was being " escalated ''. This forced me to dispute payment with my Financial institution 30 DAYS after the error occurred, and they would not refund my money. ( I immediately paid the correct amount of {$1100.00} as soon as funds posted back into my account ) 5 ) Blamed each other ( and me ) for errors while failing to fix the situation and refund causing me to fax tax parcel ID from my mortgage documents as proof. ( sent XX/XX/XXXX ) 6 ) This error ( and their interference with my taxes ) occurred with my parcel in XX/XX/XXXX, but county sent funds back, as taxes were paid in XX/XX/XXXX. 7 ) Refused to request funds paid to county on my parcel, per my request, XX/XX/XXXX. " Reverse all parcels and let me pay my taxes to the county, as my mortgage states ''. Idea was to reverse entire situation, and start over. 8 ) I have made payments each and every month since in the amount of {$1100.00} but Ditech has failed to apply them to the loan since XX/XX/XXXX. These payments are being held in an " unapplied funds '' account. 9 ) I ( and my ex spouse ) have had derogatory information provided to the credit bureau by XXXX. 10 ) No dispute was initiated until XX/XX/XXXX, which is totally unacceptable!. 11 ) Dispute resolution letter received XX/XX/XXXX fails to address any of the issues and is TOTALLY UNACCEPTABLE. It fails to address my more than 40 contacts to try to resolve this issue. This resolution was sent electronicly, but attachment would not open or download. No Mail delivery of notice until requested XX/XX/XXXX. Ditech was made aware in XX/XX/XXXX that I received something I could not open. All other notices have been delivered by mail. 12 ) After another ( and final ) reach out by XXXX County to XXXX XXXX at Tax Department for XXXX XX/XX/XXXX with no response, I paid tax funds in question on XX/XX/XXXX to Ditech. 13 ) Still no response from Tax department forced me to submit the following A ) Letter to Refute their dispute resolution, B ) 17 pages of documentation of the error to the fax number provided on the dispute resolution letter on XX/XX/XXXX. I left a detailed message for " XXXX '' my account representative of record. To date, No response. 14 ) As of XX/XX/XXXX, The automated system has not updated to reflect my payment of the taxes, and my mortgage payment for XX/XX/XXXX. It still indicates an outstanding balance of {$2000.00}. I have NO FAITH that Ditech will resolve this issue, explain how it happened, and will not accept any responsibility for an error they created. I have gone through their dispute process, with no resolution or assurance that it wont happen again. I have been dealing with for 7 months now, and believe my rights in this case have been violated.
05/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AL 36801	Web
This is a copy of the letter sent to green tree. Dear Green Tree Servicing, I am writing this letter to ask for consideration for a loan modification. I have been out of work since XXXX XXXX, XXXX. I was injured XXXX on my job. My worker 's compensation was denied and my case is currently in litigation. I have suffered a loss of income which has produced a severe financial hardship. I have an upcoming court date later this year reference to my job injuries. My attorney is XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I have been unable to work because of my injuries and because I have been under the care of XXXX XXXX. I am under certain work restrictions and limitations because of XXXX XXXX, XXXX, XXXX, and a XXXX. My employer refused to allow me to work under light duty job restrictions. I had to retain an attorney. I was injured on XXXX XXXX, XXXX and XXXX XXXX, XXXX. My employer documented the XXXX injury but not the injury in XXXX. After my XXXX was denied, I found out that my employer was insured by XXXX different insurance carriers when my job injuries occurred. After the doctor documented my accident in XXXX and XXXX, it was determined that my employer had placed responsibility on the previous insurance XXXX because my employer did not document my XXXX injury. Employers coverage expired on XXXX XXXX, XXXX. As a result, the first insurance carrier, XXXX claim Number XXXX, was being held financially responsible for an injury that took place outside of their coverage dates because the second injury occurred in XXXX and took precedence. A different XXXX, XXXX of XXXX, XXXX, was the XXXX in XXXX of XXXX. My employer lied and hid the injury. This is why my case is in litigation. I have not been able to work since XXXX XXXX, XXXX and have been unable to earn any income with my employer or been in a position to work due to my injury. The only reason I have been able to make my monthly mortgage payments in the past was because of savings, and help from my family and church members. My attorney and I had anticipated that this matter would be cleared up by this time. However, due to multiple delays by my employer 's attorney, a ruling for my employer on XXXX of the injuries, and another court hearing scheduled for later this year, I have depleted all savings and I am not in a position to keep borrowing. I have been advised to and have filed for XXXX because I am not employable nor able to work. I have an attorney, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, for my XXXX case. I have done all that I can to keep my mortgage payments current despite being without an income for more than XXXX ( XXXX ) months. Even though I am now in arrears, I have made a good faith effort and I respectfully ask that you consider this request of modification which can allow me to keep my home. I am currently working with a XXXX representative. I have sent paper work in to green tree several times. Green tree has come back and asked for additional documents XXXX. They have yet to give me or the XXXX rep an answer. This is sickening. I contacted them in XXXX XXXX, months ahead of time, to let them know that I would be unable to keep making payments in XXXX. Green tree still did nothing! They are stalling and refuse to work with me. I did not miss a single payment until this year. They need to be shut down. The WORST mortgage company on earth! XXXX XXXX XXXX
06/15/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 207XX	Web
I was behind on my mortgage and was working on paying the arrears and trying to bring it current. I would call the mortgage company, Ditech.com, and speak with a representative to have them take my payment over the phone. At no time, until today, did any of the representatives tell me that I was in danger of going into foreclosure. They would accept the payment and I would be on my way. My sister offered to pay all of my arrears and bring the mortgage current with me then owing the XXXX XXXX payment. We called, conference call, the mortgage company today and spoke with XXXX . She gave us the information regarding how much was owed in actual payments and how much was owed in late fees, providing us with a total amount due to bring the mortgage current. She took my sister 's payment information and actually processed the payment. She provided me with the email showing the processed payment. She said since it was after XXXX when the transaction was processed, that my sister could look for the payment to take as long as Monday to show up in her account. My sister then proceeded to ask her other questions regarding the loan, such as pay off information, etc. It was during the asking of those questions that XXXX using her system to search for the answers that she all of a sudden noticed that my account had been sent to the attorney, according to XXXX the account had been sent today, for foreclosure processing. She subsequently backed out the payment she had just processed and send an email showing this payment cancellation. It was at this point that we asked to speak with her supervisor, XXXX , to ask if the paperwork could be pulled back from the attorney, since it just went in today. XXXX then tried to backtrack and say the paperwork had actually been sent yesterday and an attorney had been assigned today. So he was n't sure if it could be pulled back without any attorney fees being attached to the amount already owed. He said he would see if that was possible to do. We also asked that no additional late fees be attached to the payment being made because since it was already the XXXX and late fees are charged after the XXXX , if they waited until tomorrow to pull it back we did n't want to have to pay a late charge for XXXX XXXX because we were trying to resolve the problem before a late fee would be due for XXXX XXXX . XXXX then tried to assert that no late fee would be assessed until the XXXX ; however, the contract calls for late charges to be assessed AFTER the XXXX . Here again I was being misled to believe that I would not be subject to a late charge while they try to pull the account back from the foreclosure attorney. I dont trust that Im being told accurate information by the individuals working in Ditechs collections department. Part of the issue is that no notice, other than one they said they had sent in XXXX XXXX , or verbal communication with their representatives, was sent saying that as of yesterday the mortgage would be placed in foreclosure. The company has also not contacted me about any mediation process, as required by law, to resolve the problem prior to sending the account to the attorney to file foreclosure proceedings. If we had not called today to try and clear everything up, I think my house would now be in foreclosure and I would shortly have a sale date on the property.
08/19/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	FL 33578	Web
On XXXX XXXX, 2015, I applied to refinance my mortgage through my current mortgage company Green Tree Mortgage ( Servicing ). I spoke with XXXX XXXX who introduce me to a HARP program which could lower my interest rates and loan term. He advised, since I had my current loan with them that I could use the balance of my escrow to put toward the amount of the loan or have it refunded to me. He quoted me a new loan amount of {$120000.00} with a payment of about {$990.00}. I then spoke with the loan processor, XXXX XXXX. I asked him about having my current loan escrow balance refunded to me. He first stated that it will be applied to the principal loan. I asked if I had a choice for it to be refunded to me. He said yes, but it will cause your loan to be increased and payments would be higher. ( Enclosed are copies of the emails re-conversation ). He then stated I will send you a copy of the Settlement Statement showing how the escrow balance will be applied to the principal. On the original settlement, Line XXXX ( Principal Reduction Payment to Green Tree- {$300.00}. Line XXXX ( Principal Amount of new loan ) - {$120.00}, XXXX. Line XXXX-Total paid by borrower- {$120000.00}. I still insist on him refunding me the balance because the increase in loan balance and payments would be minimal and I can use the money for other obligations. He said I already did the closing settlement and we are schedule to close XXXX. I will have to re-do closing settlement and re-schedule for Friday, XXXX. He re-did settlement increasing my loan balance {$120000.00}. He said that Line XXXX shows my escrow refund- {$2100.00}. Line XXXX New Loan Amount- {$120000.00} and line XXXX Total Paid By Borrow- {$120000.00}. ( Both copies of closing settlement attached ). My payment increased to {$1000.00}. He stated that I would be getting refunded within 30 to 60 days after the loan closed. Around XXXX, I decided to call to verify the status of refund and learned that they had applied the escrow to the principal. I complained and was giving the run around. I called the processor XXXX and was told he completed the paperwork correctly but it was keyed in the system incorrectly. I asked for top manager in charge and was given the run around. When I finally spoke with a manager to asked why I ca n't get my escrow refund after they have increased my loan amount and payment and no refund. I was told you signed the paperwork and could have disputed within 3 days. How was I suppose to know within XXXX days that the loan processor did n't do what he suppose to had done. He explain the above lines to me to show that he was refunded me the money. You all are the professionals and I as a consumer are relying on you to give me the correct information. Since I saw the amount of my escrow and the increase in loan amount, I assumed that he did what he said. So when I got my mortgage statement for the XXXX payment, they took my loan amount of {$120000.00} subtracting escrow balance- $ XXXXXXXX-new escrow payment- {$2100.00} & $ XXXX= {$120000.00}. Based on the original settlement without the escrow refund my loan amount should have been {$120000.00} subtracting escrow balance $ XXXX= $ XXXX- {$2100.00} & $ XXXX= {$120000.00}. So they added about {$2200.00} to my loan for nothing. I did n't get an escrow refund. This is fraudulent. My loan amount should be at {$120000.00} and not {$120000.00}.
01/06/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48348	Web
19 years ago I took out a loan for the purchase of a mobile home which is my primary residence. Over the years the loan has been sold and was eventually acquired by GreenTree who later became merged with a company called Ditech that shared their parent company. For the last few years we had an automatic payment online set up electronically with our bank to make our monthly payments. Over the last year or so we have also been consistently making extra payments to pay down the balance quicker. For every payment sent, Ditech would show the ACH payment posted to the same day. On XXXX XXXX, 2016 I called Ditech and received a payoff balance of {$10000.00}. We then proceeded to send XXXX payments through our normal payment method on the same day, which equaled that payoff amount, see attached. On the next day we call Ditech automated telephone system to check on balance, which did not reflect the payments. Over the course of the next week and a half we made multiple phone calls and talked with several individuals who stated that the payments were not showing up on our account. We also contacted our bank and had them confirm that the payments had gone through and verified the Transaction numbers. On XXXX Ditech took an additional payment of {$390.00} through their auto-payment program. We again called them, spoke with a XXXX and a XXXX, who asked us to fax over a statement from the bank for the " Finance Dept '' to review our account, do an " Internal Audit '' and we 'd hear back within 72 hours. On XXXX/XXXX/16 we faxed Ditech confirmation from our bank that the payments had been made, see attached. On XXXX/XXXX/16 we spoke with a XXXX who said that " our account shows a " XXXX balance '' and they would " do an analysis of the account and send us our refund of the payment that they took ( including the interest ) '' We were charged {$74.00} in interest on their XXXX statement to us. After not seeing any changes on our Ditech online account, we called and spoke to a XXXX who, along with a supervisor named XXXX XXXX, both agreed that the payments were showing as applied. but it did n't affect our principle balance and they would also refer this to their " Finance Dept ''. I called XXXX XXXX, XXXX, Ext. XXXX on XXXX and he stated the first he had heard of the situation was a week ago and would call us back in two days after looking into the situation. After a week, XXXX XXXX, I called him back and he was still unable to provide us with a resolution and stated " these things take time ''. He asked us to call back in two days, which we called back the following week, left several messages on his voicemail over several days but he never returned our calls. To this date, the XXXX payments do not reflect on our balance. In the two months since we have made our XXXX payments we have realized that Ditech has a policy of how they should receive a loan pay off which we did not follow. However that still does not account for the fact that these XXXX payments, made the same way as all of our other payments and " pre-payments '', still were not credited to our account. At this point, we 'd like to : 1. Receive a pay-off letter stating that the loan has been completely paid off with no balance due ; 2. Release their lien on our property ; 3. Refund the additional payment of {$390.00} taken from our bank on XXXX/XXXX/2016 and ; 4. Close our Ditech account
06/03/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	NC 28787	Web
A mortgage for a mobile home ( no land included ) that was originally with Green Tree servicing but was later sold to Ditech matured in XXXX of XXXX. At that time, Ditech claimed there was a remaining balance of approximately {$5100.00}. In XXXX, my husband ( his name was also on the loan ) had to file personal bankruptcy. This loan was not included in the filing and remained current during that time period. Perhaps it was due to my husband 's bankruptcy, but Ditech no longer sent correspondence that included his name, only mine. However, they would not talk to me, even though I was not in personal bankruptcy. When the loan finally matured, and they claimed we still owed thousands, I inquired about the charges. I could never get anyone to help me. I called, left messages, sent emails, wrote letters. I never received a response. Eventually, we received a letter from an attorney 's office ( debt collection agency ), and I tried again to call and email. I never received a response from the attorney 's office. I was not trying to avoid paying any debt that I owed, I just wanted an explanation of the charges since I did not understand how we could owe that much at the end of the mortgage term. Ditech went bankrupt apparently, and now the account is with XXXX XXXX. I received a notice in which I could dispute the validity of the debt. So, I did this in writing. In response, I received a transaction summary in the mail from the company. This gave me hope. In my correspondence, I stated that I wish to pay and settle this account, but I simply need to know what I am paying. In the summary, there were several charges for an inspection of the property ( to determine occupancy status ). This must have been due to my husband 's bankruptcy, but this property was not involved. There was also a charge of almost {$800.00} for the residence being " vacant '', but it has never been unoccupied. This could be proven with utility statements, if necessary. Many, if not all, of the charges that are left on this account are not legitimate, but I still can not get anyone to discuss them and to settle this issue. By now, I am willing to pay money that I do not owe in order to end this. It has had detrimental effects on my credit, as it is reported on my report only, even though my husband was first on the account prior to his bankruptcy and we never put it solely into my name. I have explained this situation to many people over the past couple years, but I have never received any assistance in determining the validity of the charges on the account. I have saved the money to pay it off, and now they will not accept payment because they claim it is in the process of foreclosure. This account was just recently sold to XXXX. And, I was hopeful that I could settle it with them since I at least had some success with correspondence. But, this was unfortunately not the case. The residence is an older model mobile home with no land included. I am not sure how they can foreclose. We obviously do not want this to happen due to {$5000.00}. I just want this to be over. I am an honest person who wants to pay what I owe, but who can not afford to pay additional fees as they accumulate on this account. I want to pay whatever I need to in order to settle this. I have pleaded with both companies. I have been unable to get anyone to listen and help end this nightmare. Please help.
04/24/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA 99336	Web
That DiTecT provide by Hawaii law that the address and person of contact to the location of it 's office in Hawaii see XXXX ( XXXX ). That the loan is currently being dual tracked per starting a re-modify attempt with DiTech. Restrictions on foreclosure proceedings while borrower seeks a mortgage modification : Referred to as " dual-tracking, '' servicers will no longer be able to start foreclosure proceedings on borrowers while they are actively seeking a loan modification or other alternative to foreclosure. To give borrowers time to apply for a modification, servicers can not file the first foreclosure notice until the borrower falls at least 120 days behind on payments. XXXX Additional duties of a mortgage servicer ; good faithand fair dealing ; disclosures ; payments, accounting, and records ; assignment of servicing rights. ( a ) A mortgage servicer licensed or acting under this chapter, has a duty of good faith and fair dealing in its communications, transactions, and course of dealings with each borrower in connection with the servicing of the borrower 's mortgage loan. ( b ) In addition to any other duties imposed by law, a mortgage servicer shall : ( 1 ) Safeguard and account for any money handled for the borrower ; ( 2 ) Follow reasonable and lawful instructions from the borrower consistent with the underlying note and mortgage ; ( 3 ) Act with reasonable skill, care, timeliness, promptness, and diligence ; ( 4 ) Disclose to the commissioner in the servicer 's license application and each yearly renewal a complete, current schedule of the ranges of costs and fees it charges borrowers for its servicing-related activities ; ( 5 ) File a report with each yearly renewal statement in a form and format acceptable to the commissioner detailing the servicer 's activities in this State, including : ( A ) The number of mortgage loans the servicer is servicing ; ( B ) The type and characteristics of loans serviced in this State ; ( C ) The number of serviced loans in default, along with a breakdown of thirty-, sixty-, and ninety-day delinquencies ; ( D ) Information on loss mitigation activities, including details on workout arrangements undertaken ; ( E ) Information on foreclosures commenced in this State ; ( F ) The affiliations of the mortgage servicer, including any lenders or mortgagees for which the mortgage servicer provides service, any subsidiary or parent entities of the mortgage servicer, and a description of the authority held by the mortgage servicer through its affiliations ; and ( G ) Any other information that the commissioner may require ; and ( 6 ) Maintain an office in the State that is staffed by at least one agent or employee for the purposes of addressing consumer inquiries or complaints and accepting service of process ; provided that the mortgage servicer 's business constitutes at least a XXXX per cent share of the portion of the total mortgage loan service market in the State that was serviced by mortgage servicers licensed under this chapter within the previous calendar year ; and provided further that nothing in this section shall prohibit a mortgagee as defined by section XXXX or a mortgage servicer from contracting with a licensee that maintains an office in this State in conformity with this section for the purposes of addressing consumer inquiries or complaints and accepting service of process.
09/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 21244	Web
The Mortgage servicer that collects my monthy mortgage, illegally filed a Vacancy Liscence on my house when I was a month late paying my mortgage. They have been billing " me '' for the cost of the fraudulent Vacancy liscense. I never realized that the extra fee was on my monthly statement and when I noticed it I called mortgage servicer to ask what the fee was for. That is when I was told it was a fee for a Vacancy Liscense. My home was NEVER vacant and the servicers knew this because they CALLED ME EVERYDAY AND CALLED MY REFERENCES EVERYDAY. Needless to say they definitely spoke with me on a regular basis. This company even called me on XX/XX/2014 and I requested to speak with a Supervisor when they called on XXXX XXXX. I sat and discussed with him the discrepencies that were taking place when my servicer was switched from XXXX to this new servicer, Green Tree Servicing also calling themselves XXXX. Although they said I missed a payment, I had an unusually high amount of money in my escrow account at the end of the year? As this Supervisor pretended to understand the issue, I was told that all records had not been completely updating from obtaining them from XXXX. At this point, I had been with Green Tree for XXXX months and they still werent organized with paperwork and they REFUSED to place money being held in my escrow balance toward my mortgage! A few days later someone came out and tried to actually place A LOCK BOX on my door, until one of the children came to the door and asked what they were doing! If EVERYONE in that house had been locked in that house because of there bullying tactics, we could have All been set on fire. I had a contractor in my house during this time replacing a faulty heating unit as well. All lives were put in danger. After I then furiously called Green Tree Servicing, I was told that " the house looked empty because my lawn had too many toys scattered about the lawn and it looked upkept?? That seems like more of a reason to assume the house was NOT Vacant! I then got directions from Liscensing and Inspections on how to remove the ILLEGAL VACANCY LISCENSE. I took a day from work to sit downtown and get the issue corrected and Paid to have the Vacancy Liscense Removed. I have been asking the company to remove the fee from my monthy statement, they refuse to do so! On a monthy basis I DO NOT pay the fees in conjunction with this liscense nor do I pay the late fees associated with me not satisfying this monthly obligation so it is appearing that I am Not paying my mortgage which I am. I have written them letters for the last two months instead of calling since they refuse to remove the fees, I want everything on paper and documented which it now is. Now I NOTICE THAT ALL OF MY MONTHLY PAYMENTS ARE BEING HELD IN ESCROW/ OR UNAPPLIED FUNDS INSTEAD OF BEING APPLIED TO MY MORTGAGE. AT THIS POINT THEY ARE TRYING TO FORCE MY HOME INTO FORECLOSURE, UNDER THE PRESUMPTION THAT I WILL NOT COMPLAIN TO HIGHER ENTITIES. PLEASE HELP IN A HURRY! Too many violations have been committed here from them calling everyday yelling at my mom and I, the attempt to place a lockbox on the door, the illegal vacancy liscense and I was trying to obtain insurance from XXXX then XXXX XXXX and denied from both because of the vacancy liscense. That forces me to keep their PLACED INSURANCE. When does the underhanded bullying stop??
08/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22407	Web
This complaint is with Green Tree Servicing LLC. In particular, how Green Tree collected debt on my mortgage loan, reported my mortgage loan in the major credit bureaus, and came up with the balance of {$93000.00}. In XXXX XXXX, Green Tree sent me a letter ( attachment XXXX ) notifying me that I had been approved to enter into a Trial Period Plan under the XXXX Lien Modification Program ( XXXX ). In this letter, Green Tree told me to send the trial period payments instead of my normal monthly payments. Green Tree set me up with XXXX trial period payments of {$210.00} to be made on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I made all XXXX payments on time. At the conclusion of the trial period, a Green Tree representative informed me that I had met the qualification requirements ; therefore, approved for the XXXX. The representative further indicated that Green Tree Green was awaiting documents from the County before submitting the final modification paperwork. I was told to continue to make the payments of {$210.00} as this was my new monthly payment under XXXX. I continued to make payments of {$210.00} on time. In XXXX XXXX ( almost a year later ), Green Tree sent me a letter of denial and ineligibility for the XXXX Lien Modification ( XXXX ) program. Green Tree indicated the reason for denial was because I did not receive a modification on my XXXX mortgage. I disputed the denial of eligibility for the following reasons, 1 ) I received a modification on my first mortgage in XXXX, and 2 ) Green Tree had already approved me for the XXXX and accepted the new payments of {$210.00} for almost a year. In XXXX XXXX, Green Tree added interest, closed my account, and reported my account in the major credit bureaus as charged off. Next, Green Tree offered me a settlement of {$40000.00} on a debt of {$93000.00}. Later, dropped the settlement offer to {$30000.00}. It is my belief that Green Tree closed my account and attempted to collect a lump sum payment knowing that the entire balance was forgiven as part of the XXXX XXXX XXXX settlement with Department of Justice in XXXX XXXX. In XXXX XXXX, I received a letter ( attachment XXXX ) from Green Tree indicating that I will receive a full forgiveness of the remaining principal balance of {$93000.00} on my Home Equity account. This was a result of my previous servicer, XXXX XXXX XXXX settlement with the Department of Justice in XXXX XXXX. Green Tree indicated that I no longer owe the amount of {$93000.00}. Green Tree further indicated that they will report to the major credit bureaus that my account was paid and closed. As of XXXX/XXXX/XXXX, Green Tree is reporting my account as " charged off ''. As of XXXX/XXXX/XXXX, Green Tree is still trying to collect from me. I am hopeful that your office can resolve the issues I am experiencing. Green Tree had no right to add interest when they placed me on a new payment under XXXX. When my loan was transferred from XXXX XXXX XXXX XXXX Green Tree in XXXX, the loan amount was {$88000.00}. I do not understand how Green Tree came up with {$93000.00}. Green Tree had no right to charge off an account when I was making payments on time. If the XXXX XXXX XXXX lawsuit was settled in XXXX XXXX, why did he take Green Tree until XXXX XXXX to notify me? Why is Green Tree still trying to collect if the entire amount has been forgiven?
06/08/2016	Yes	Debt collection Mortgage	False statements or representation Indicated committed crime not paying	MI 497XX	Web	Servicemember
I 'm filing this complaint because Ditech response was so disingenuous. It is very easy for Ditech ( Green Tree ) to clear this up, on XXXX/XXXX/XXXX Green Tree made very clear, they are not obligated to accept payment arrangements other than those outlined in the contract ... ... That letter states there 's a contract. I want to see it. If there is n't a legal contract to support the loan modification we need to start talking about damages. When I read your ( ditech 's ) response, this is what went through my head. 1. Are you saying we had a " rental '' agreement on XXXX XXXX, XXXX, but before I received anything in writing I had to give Green tree {$10000.00}? Please explain. 2. Are you saying Green tree ( Ditech ) rights under the security agreement give Green Tree ( Ditech ) the authority to turn the discharged mortgage into a Rental agreement? Please explain. 3. Are you saying I was so desperate I would pay rent on your rental unit plus pay green Tree 's property tax and pay interest on the rental? Please explain 4. Are you saying you disclosed an agreement that disclosed I was a renter? Please explain. 5. Are you saying the money 's disguised as loan payments were part of the settlement agreement? Please explain. 6. Are you saying a one-sided response to the state of Michigan in XX/XX/XXXX means anything? 7. Are you saying that Green Tree ( Ditech ) is standing by these statements that the discharged note and mortgage is our agreement? Please explain. 8. Are you saying part of the agreement was agreeing to make payments in order to retain the property or was it collateral? Collateral means ownership. A home owner 's policy was required. Please explain. Without a contract to support Green Tree 's actions, it appears that thousands of dollars was taken under a false pretence. Anything that happened before XXXX XXXX, XXXX is misleading because Green Tree had already foreclosed and became a landlord by creating this rental agreement, which looked like a mortgage agreement. I am respectfully disagreeing with your interpretation of our agreement. I would never agree to an agreement that required me to commit fraud. ( Buying Home Owners Insurance for a rental ) By requiring a home owner 's policy for the rental property has to raise some skepticism. For the record, the reason there was a settlement agreement, Green tree threatened to evict me. Green tree choose to sell me the home at market value, rather than a trial by jury. The settlement agreement was just a sham. Green tree was trying to collect {$250.00}, XXXX with the fake rental agreement but decided to sell the home in the settlement for {$150000.00} .... I could have closed on the home the first month of the settlement agreement. All that had to happen was verification of payments. Rent or mortgage payments. Green Tree would n't call my payments rent nor mortgage payments. That should raise some skepticism. I requested and received my payment history from Ditech ; all the payment had the appearance of mortgage payments. The Payment I paid during the settlement agreement was not disclosed. I called customer service, they told me it would take about a week to find them, I called the attorney that collected the rent, he told me he ca n't talk to me without Ditech 's permission. That should raise some skepticism. We can settle this out of federal court.
10/23/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92308	Web
XXXX Green Tree servicing LLC took my mortgage over from XXXX. The first letter I received from Green Tree was that I was in Default. My payment made to XXXX was never forwarded. I was harrassed constantly for the first few months until I informed customer service not to contact me. I pay my mortgage electronically through my Bank. XX/XX/XXXX I received a check from Green Tree from Green Tree accounts payable dept for {$1100.00} described as not enough to reinstate loan I called customer service they said it should not have been sent to me. XX/XX/XXXX I received another check for {$2500.00}. Once again I called and was told they do not send back checks. everything was fine until XXXX XXXX another check for {$1100.00}. same description. Then again in XXXX XXXX for {$1200.00}. I did receive a letter informing me I was behind on my mortgage. I called and again was told I should not have received a check. XX/XX/XXXX I received a letter informing me I was in default and was going to be foreclosed. I called and was told to write a dispute to customer service. The amount of the default was less than the total of the checks they had mailed. I asked to apply their checks from their bank payable to me back to my mortgage account because I never cashed them. They told me I needed to write a dispute letter to customer service. XXXX XXXX assured me no action would be taken until the dispute had been investigated. Green Tree is now DiTech. Ditech received my dispute letter on XXXX XXXX XXXX telling me they would need aprox 30 days to review my account. On XXXX XXXX XXXX 5 days later they recorded a notice to default and intent to sell my property. I called once again and was told by XXXX XXXX that he would personally watch for my account and no sale date would be posted until we got to the bottom of this. XXXX a customer service rep with DiTech and Green Tree Servicing told me to cash the checks and send them in as payment. I told her the checks were over the 90 day period and I could not cash them to please credit my mortgage account. This was not an option. XXXX XXXX suggested to send me a lump sum check to cash and then send in to make the mortgage current. I have wriiten XXXX dispute letters asking for information and have not a reply as of today. On XX/XX/XXXX I received a check from DiTech accounts payable dept same account number as Green Tree Servicing for {$1300.00}. Those Checks total {$7400.00} I called to ask why they sent me another check and my account rep XXXX nor XXXX XXXX was available. I left a message and no return call has been made. I have had nothing but headaches and complete incompetence and or ignorance since my mortgage was taken over from XXXX. I contacted HUD and a referral from HUD referred me to your bureau. I have been 30 days late once in XXXX XXXX but made a double payment in XXXX XXXX and once in XXXX XXXX Making a double payment in XXXX XXXX. I dont recall why I missed the payment. I would just like to have my payments that they sent back from their Checking account to be credited to my mortgage and for them to waive all the fees and penalties they have charged me for their mistakes with the exception of the XXXX XXXX and XXXX XXXX late fees. In closing I asked why every payment I have made has not been sent back to me since their records indicate I have been in default from day 1 with them
03/16/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08234	Web
This is the second complaint that I have needed to file against Ditech. There have been more negligent actions which I will explain and my original complaint was not even fully covered in the response. I am currently working with a lawyer and the county tax collector to get full transparency on how much this company 's mistakes as caused issues with my lien, mortgage, credit and finances. To start, the first complaint discusses how my property taxes were not paid. The response was, " In response to your concern regarding the payment of your property taxes, please note that your property taxes are paid in four ( 4 ) installments each year. It appears your fourth installment was due on or about the time your account service transferred to us. At the time your account boarded our servicing platform, the information provided to us by the prior servicer did not indicate a payment was due for your property taxes, which suggest the timing of the service transfer may have overlapped with the property tax due date. Please note that a property tax disbursement was sent on XX/XX/2018 to your taxing authority to pay the fourth installment. In addition, Ditech has paid any late fee assessment charged by your taxing authority. '' This does not cover the fact that my property went into a tax sale and was SOLD. It does not discuss that despite it being XX/XX/XXXX in which was not paid, that taxes were not paid until XX/XX/XXXX, AFTER I had to file a complaint. I had been calling about this for two months. At this point, with all of the negligence of this company : 1.Sending me to collections because of their mistake of my mortgage payments, when I was never even late. 2. Taking SIX months to fix this problem, AFTER I filed a complaint. I called several times each month trying to get this sorted out. 3. Not paying my taxes. Causing a lien and tax sale on my home, which was bought. 4. Not contacting my Home Insurance to pay it. This was realized when I received a bill from them. 5. Allowing my escrow to go {$6300.00} dollars in negative without telling me, causing me major financial issues. The company did not even mention my requests for all their faults. Which is that I want to refinance. And I expect them to pay any interest that I gain because interest rates have gone up. I also expect them to pay closing costs. I do not have any confidence this company will pay my bills in the future. Now that there is a bank that has investment in my property because of the tax sale. I am also looking into the property tax numbers and it looks as if Ditech is having ME pay for the fees and interest that was accrued because of the tax sale and late property tax payment. This is against the law. I have spent numerous hours on the phone because to speak with a representative, it is a minimum of 20 minute hold. Then another 30-45 minute hold for a supervisor. I still never heard from the supervisor XXXX XXXX. I spoke with another supervisor XXXX, who kept me on hold for 45 minutes. Was very quip in her tone. And was unable to offer me any help in any of these above topics. I explained how long I wait on the phone and requested a direct phone number, as I have so many issues with the company and she said that supervisors do not get phone numbers, which is another lie. I will be retaining a lawyer unless my requests are met.
02/12/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75056	Web
I am filing a complaint against XXXX XXXX XXXX, Ditech Financial LLC, XXXX XXXX XXXX : The reason for this complaint is because Ditech repeatedly tried to place Lender placed insurance on my property even though there was proof that I had insurance and my company XXXX XXXX XXXX XXXX XXXX XXXX tried to setup an escrow with them for 3 years in a row. I continued to make the payments myself hoping each time they asked for proof and I contacted the insurance company to fax them said proof they would take over the payments, especially when they would threaten me with lender placed insurance and then cancel it. This last time was in XXXX I did not pay it any attention because I had contacted the insurance Company ( XXXX ) to fax them the information. The next thing I know I am getting an ESCROW evaluation saying that I was paying for lender placed insurance and had been since XX/XX/XXXX. This notice came in XX/XX/XXXX saying that my escrow had a shortage of {$390.00}, I called them at the time of receipt and spoke with the call center, because that Is the only choice that you have, I have repeatedly requested call back from supervisors, I guess they do not have any. I was paying {$72.00} per month, {$860.00} per year out of pocket but I was onl short {$390.00} since they placed the insurance or so I was told. I sent in my normal payment since I do not believe I should have to pay for a Condo nor do I pay HOA fees on the property at XXXX XXXX XXXX, XXXX, Texas XXXX. I called the call center because that was the only contact, I could make, and spoke with a representative and requested a callback, did not receive it as usual. And they kept my payment but put it in suspense because I did not pay the additional. In the meantime, they transferred my loan to XXXX XXXX which is another call center type of loan servicing company. They did accept my insurance and escrowed the insurance but guess what the shortage was the same, now I consider that rather strange that the payment would be the same. Since I was paying my own insurance out of pocket. I am including all the annual escrow disclosures for the past four ( 4 ) years and all the request for insurance verification and copies of my decoration pages from the insurance company which is the same one that were sent to Ditech and XXXX XXXX. From the mail I just received from XXXX XXXX, which I am including along with the payment history, I feel Like I am still with Ditech. Another Call Center type no management types to talk with. Just collect money and mess up peoples credit. By the way they are showing my payments late for two ( 2 ) months on my credit report. I have struggle to keep my credit up and to keep my payments on time. I would like my credit report to be updated correctly, I received a notice that I had requested a fraud alert which I never did. Need someone to tell me where the money was going that they needed to pay my lender placed insurance. Also, why they started showing my payments late before the XX/XX/XXXX of the month. I started to notice that my statement date where changing each month. I.e. XX/XX/XXXX due date XX/XX/XXXX, statement date XX/XX/XXXX due date XX/XX/XXXX, statement date XX/XX/XXXX due date XX/XX/XXXX. I am also seeing a discrepancy in the two companies data that were sent on my form 1099 for tax purposes. .
09/23/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 756XX	Web	Servicemember
In XX/XX/2019 I contacted Ditech customer service to inquire about options available as we were struggling to make the mortgage payments especially after the last payment amount increase in XX/XX/2019 due to an error made by the company managing the escrow account. I was provided with an application and instructions for a loan modification request. As for the escrow error, I was told that I could request that the escrow account be corrected but that I must submit a written request explaining the amount. I was told that within five business days of the loan modification team receiving my completed packet I would receive a letter stating that my account was being reviewed and the process could take up to 30 days. The escrow account would be a separate matter, I would receive a letter acknowledging my request to have the funds refunded to my escrow account within 10 business after receipt of letter. The approval or denial of the request would then be determined and an additional letter would be mailed out. I faxed in the completed application and requested documentation for the loan modification on XX/XX/2019 to the designated fax number. I also faxed, to a separate number given for the escrow request, the written request and supporting documentation of the charges posted to my account for an error ( not paying the city taxes ) made by the escrow company. I had been previously assured, at the time the taxes were finally paid, that I would not be charged this money, as it was the company 's error ( Ditech was the mortgage service provider for the previous homeowner as well, and had paid property taxes at this address the previous five years ). I called after I had submitted the fax to confirm it had been received with all of the pages and was told additional documents were needed. I promptly faxed the documents in on XX/XX/2019. I waited to receive a letter from Ditech. Nothing arrived so I again called back and was again told more documentation was needed. Again, I complied and faxed in the documents on XX/XX/2019. I called in to ensure that the documents were received and was told they were. At that time, and every time since then that I have called, I have been told everything is complete on my application for loan modification. I have called two to three times a week since mid XXXX trying to make sure that both requests were being reviewed, as I still have not received any written acknowledgment on either request from Ditech, nor has my loan modification application been reviewed by an underwriter. I have been told by representatives that emails requesting that I be contacted, a letter showing receipt of packet, an email showing the application is in process, requesting to escalate the level of need for my request, etc. were being sent to the respective departments on my behalf. I have spoken to supervisors who have " escalated '' my requests. I have been assigned a designated contact person regarding the loan modification and still have made zero progress. I have reached out the HOPE hotline and requested information on what else I can do to accomplish these two things with Ditech and was given resources to try, this web site being one of those resources. Sadly, after a tremendous number of hours and effort working towards resolving these issues, I still have not even been acknowledged.
11/04/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 782XX	Web
These series of unanswered calls/ messages and not getting direct answers from every single representative started in XX/XX/XXXX when my hardship began. I was told by the new mortgage company at the time " Ditech '' that i would be able to apply for a loan modification ... I proceeded to do so within the following 2 days, due to getting all documents together for modification and needing a signature from at the time my husband which was not available. Faxed all paperwork, called Ditech to make sure it was received and was told no and i had to wait 5 days. Never got a call, email, text or letter until I viewed online that my home was in foreclosure with a sale date in XXXX XXXX I was contacted by a company to help me with the foreclosure having me file a ch XXXX along with making payments of XXXX monthly until my new payment/paperwork with Ditech was completed. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX came around and i never heard from either, but monthly payments were getting deducted out of my checking account. Received a letter from Ditech saying no payments were received and i would be in foreclosure again, so i filled out another application in XX/XX/XXXX and have the message i sent on my account asking if there was anything else pending or missing. Heard nothing, but got a letter from Ditech attorney on XX/XX/XXXX and had 20 days to respond. Faxed my 3rd application/rma paperwork on XX/XX/XXXX and never got a call back.. Followed up and was told they were missing pages and needing to do over but seemed that representative wasn't sure on what was missing. Hung up and called for a supervisor and she claimed that my check stub wasn't readable. Faxed again and nothing. Now it was spring time and again sent an application thru fax on XX/XX/XXXX. I could not get thru on website due to maintenance and long waits on hold. Sent a message on website ( which i have proof of all ) explaining on how many times my apps where faxed and even wrote on cover sheet of how many were sent with my number if anything was missed. In XX/XX/XXXX received a letter from a different attorney to initiate a collection of debt. XX/XX/XXXX another letter from attorney about foreclosure. XX/XX/XXXX a Notice of Acceleration from attorney. On XX/XX/XXXX Ditech sent me a letter and determined my application was incomplete and will evaluate for a loss mitigation option once all documents were received and will then respond to my request in 30 days. My 6th application sent I decided to Upload documents thru website on XX/XX/XXXX in hopes it would be better or faster.. XX/XX/XXXX received a letter of an incomplete application for the 7th time, left a message on website pleading them to contact me directly! XX/XX/XXXX received another letter in different form in regards to my credit score not high enough. XX/XX/XXXX received my message ( this was the Only letter i got in regards to messages on website ) and would be looking into it and will get a written response in 30 days. Since I have been reading online about how this happens often and i feel i was targeted the whole time which is unfair that I tried to get a payment i can afford and stay in home with my XXXX children. My house is set for foreclosure in 2 days and never been so disappointed not to mention worried about not having a roof over my families head. please help
05/14/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	VA 23324	Web
Ditech Servicing LLC AKA as G reen tree Servicing mishandled partial payments sent to them every 14 days intended for mortgage payment. Per Ditech policy when partial payments are received they hold it in an account called unapplied funds until full payment is received and then apply to payments. Ditech is in breach of this practice as evident as multiple attempts made to their company during the time frame of 7 months when funding was noted in unapplied funds and not being applied to payment. This caused multiple late fees to be applied to the account with no notification to me. From XXXX to XXXX multiple attempts were made to Ditech making them aware that errors were noted on my account and was not addressed until XXXX / XXXX / XXXX . Specific dates of attempted notification were ; XXXX / XXXX / XXXX , XXXX . XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX and XXXX / XXXX / XXXX on XXXX / XXXX / XXXX Ditech alleges they went back to the start of the account and re allocated funding correctly. It was noted by my CPA that an error still occurred.Per email from Director XXXX XXXX and conversation with XXXX on a recorded line because if over payments routinely received it would be applied to principle balance resulting in the principle balance to decrease. However, after the reallocation, the principle balance increased as evident in webpage vary principle balance on XXXX / XXXX / XXXX of XXXX and then on XXXX / XXXX / XXXX increased to {$140000.00} Multiple emails and faxes have been sen t to Ditech since the reallocation to question this on XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , on XXXX / XXXX / XXXX I received an email from AVP XXXX XXXX stating that none of my questions will be addressed because from Ditech standpoint they have addressed everything appropriately on XXXX / XXXX / XXXX I received notification from my mortgage insurance company informing me that mortgagee assigned was changed to Ditech Financial LLC, Its affiliates and or assigns. I contact ed Ditech to inquire to disclose named affiliates or assigns to pro vide full disclosure and attached email from AVP XXXX XXXX is the response on XXXX / XXXX / XXXX I received multiple mailing fro m Ditech date d for XXXX / XXXX / XXXX stating they are acknowledging receipt of complaint received on XXXX / XXXX / XXXX , XXXX / XXXX / XXXX stating they are acknowledging receipt of complaint received on XXXX / XXXX / XXXX , XXXX / XXXX / XXXX stating they are acknowledging receipt of complaint received on XXXX / XXXX / XXXX , and an escrow shortage summary dated for XXXX XXXX , XXXX in the amount for {$14.00} On XXXX there intranet demonstrates that my fixed loan now reflect a payment of XXXX rather than fixed payment amount of {$880.00} Since the practice of CFPB is to close cases without giving the victim a chance to respond the response of the company XXXX XXXX - who advocated for your very existence has been involved in this matter along
10/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75007	Web
In XXXX of XXXX I was behind on my account. I was notified by a third party company offering assistance to lower my payment and help with catching up my account. I signed up for their services and found out that the manner in which my payment would be lowered was through a loan modification. Because the account was behind and I needed help with lowering the payment, I agreed to their services. I received notification that the modification was 'pre-approved ' and to expect my trail payments soon. After several months, communication ceased with this company. In XXXX XXXX, I was notified by my mortgage company that the account was behind through their attorneys and that I needed to verify the account for legal reasons. I contact my mortgage company and explained my issue and advised that I had been scammed by the third party company. My mortgage company confirmed that they had been in communication with the third party company and that a cease and desist was established by the third party company on my account. My mortgage company advised that they would work with me on the loan modification in an effort to save the account from foreclosure. They promised that the required paperwork needed for the modification would be sent to me within a few business days. I was also told that I would have time to submit the paperwork and be reviewed for the modification before the foreclosure date. I did not receive the paperwork in a timely manner. When the documentation was sent it was dated for a date well before our correspondence and contained statements suggesting that I was late in turning in the paperwork. I quickly submitted the documentation and began to follow up on the file. In my loan modification paperwork I advised my mortgage company that my delinquency in the account was due to me being scammed by the third party company. I advised that I could now make my payments and was requesting the loan modification on the missed payments on the account. On XXXX XXXX, I was advised that my modification was denied based reasons that had nothing to do with the actual reason for my request. My loan modification was sent through a systematic review instead of being reviewed for the written reasons on my documentation. I had been through a table underwrite instead of being reviewed on the merits of my request. To save my house I was FORCED to file chapter XXXX bankruptcy. Since the bankruptcy I 've experienced a multitude of issues. My insurance has not been paid on through my escrow account. When I call, I 'm on hold for over an hour at a time and then transferred to several departments, before being advised different 'reasons ' as to why it has not been paid. As of Friday, XXXX XXXX, after a 3 1/2 hour call, I was advised that my insurance check would be paid out of my escrow and sent to my insurance company by end of business Monday XXXX XXXX. I called today, Monday XXXX XXXX to follow up. After being on hold for another 2 1/2 hours, I was told that the check will be mailed tomorrow. My insurance was to be paid in XXXX. I 'm now in jeopardy of losing my insurance based on this poor processing and poor customer service. I am self-employed and have had to take off from my appointments for the past 2 days to get this resolved. I will have to take off again tomorrow to follow up on my account.
07/26/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 328XX	Web
My mortgage loan was formally with XXXX. When they went bankrupt, our loan was purchased and serviced by Green Tree Servicing. They were quick to point out that they were not required to adhere to the terms of our loan modification with XXXX and as such would do whatever they felt necessary to ensure they could and would make as much money as possible. Their subsequent conduct made that all very evident. We were subjected to payment demand phone calls, phone harassment, questionable fees and deplorable demeanor. It became clear that unless we were willing to accept this type of conduct, we would need to close out our loan and go elsewhere. It was during this search process we received notice that Green Tree was acquired by Ditech Financial. We had hoped that would bring in a new integrity and proper business protocols. It did not. As such, we continued our search to find a new mortgage holder and decided upon XXXX XXXX. It was during this end process which serves as the cause for my contacting you today. Specifically, when XXXX requested a payoff statement from 'Ditech XXXX, there was an unusual field in the list of payoff requirements. It 's was entitled " Corporate Advances '' and held a payoff figure amount of {$3000.00}. We categorically affirm that to the best of our knowledge, at no time were we ever made aware of anything which would have generated this fee. Furthermore, we have contacted them ( Greentree/Ditech ) on several occasions to get details regarding same and in the last exchange, we were told they 'need not supply the information '. At first, they required a written statement from us which requested this information specifically. That was sent. Then upon a follow-up phone call, they then indicated they had to mail us a new form to then fill out and return. We never received it. Upon a new subsequent call, they once again said they would send it out within 30 days. That too was not received. Meanwhile we attempted to download several forms online which we felt would suffice and mailed those. We also engaged in several 'conference calls between us, XXXX XXXX and Ditech to try and expedite the process and make all the details clear. Even XXXX, which indicated they too have never seen such a thing, was not able to get a proper response as to what this figure was generated from. It is worth noting that during all this time, our pending loan with XXXX was becoming jeopardized and the favorable interest rate offered from them being at risk as well. In the end we faced either cancelling our existing mortgage application with XXXX in order to find out what this 'advancement ' was about or move forward which would have meant paying the Greentree/Ditech payoff as indicated. When they indicated via the last phone call they 'did not need to tell us ', we opted to move forward. It is our contention these charges are not legitimate and they were looking to capitalize on our massive frustrations, delays and desire to get with another mortgage holder that we would 'just pay them ' and be done with it all. Yes, we did just close on the loan with XXXX XXXX and as part of that process, the Ditech/Green Tree loan was paid as presented. But we are far from letting it go. Their business practices need to be stopped. Thank you for your time and consideration in this matter.
12/31/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	NC 284XX	Web
Ditech Financial : After Hurricane Florence damaged our home we were forced to move out until repairs are complete. Insurance adjustors provided detailed information of the damage and the estimated cost of repair. In addition, we obtained estimates for the repairs and provided this information to Ditech as requested. The insurance check was mailed to us and we endorsed the check and then mailed the check to Ditech as required by XXXX XXXX. The cost to remove the old wet material was {$10000.00} which we paid for out our pocket as Ditech would not provide the funds designated by the insurance company. Ditech was provided with lien wavier, XXXX form, receipts. I have canceled checks for proof of pay yet Ditech continues to stall. The roof on our home was replaced with all required documentation provided to Ditech, Ditech will not release the any of the money to pay for the roof repair requiring me to pay for the roof repair out of pocket, this protects the collateral - again the insurance company provided sufficient funds but Ditech will not release the funds. I provided all required documentation for roof repair to Ditech and yet they refuse to pay. Next in line is the company that will install insulation and repair the drywall, ( {$15000.00} estimate ). Upon completion of insulation and drywall repair, we have a flooring contactor lined up to repair the flooring ( XXXX ). The last repair after the flooring is the kitchen cabinets and appliances ( {$32000.00} ). XXXX and I have provided Ditech with the required information to release 50 % of the funds upfront yet Ditech continues to stall. XXXX and I never missed a mortgage payment, never missed an insurance payment, and for XXXX NC insurance is not cheap. My complaint about Ditech is customer service and concern that the company is going bankrupt with my insurance money in some account that they refuse to release. We have provided Ditech with so much information, it appears to be a cash flow problem for the company and they release funds based upon their specific need and not in the interest of the collateral. Every time we comply with a request for information Ditech adds more requests ( stall tactic ). I have canceled checks where payment was made in full to contractors out of my pocket and they still will not release the money owed to me from the insurance that I paid for solely. They are hiding behind a claim that they must protect their investment this appears to be an excuse and is not an accurate picture. We live in the home and the repairs completed must meet a high standard, mine. I actually own more of the home than Ditech - Ditech will not send a person out to inspect, will not meet with me face to face. If they truly wanted to protect their investment they would inspect in person and meet face to face. This company is corrupt at the core and in financial trouble. Their CEO claims that great customer service is a strategic plan to increase revenues and avoid bankruptcy .not an ounce of truth or the plan is being implemented poorly. What I need from this agency is to contact Ditech Sr. Management and investigate - this is occurring to many individuals in NC that use Ditech . Other mortgage companies and credit unions are sending out folks to inspect the work and make the required payments for repair -
05/09/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 302XX	Web
I am filing this complaint against Ditech Financial, LLC regarding my escrow overage. I contacted Ditech on XXXX XXXX , 2017 and talked with XXXX , Ext . XXXX , regarding the overage and she told me that I would need to write Ditech a letter of request to receive my escrow overage. At the time the amount of funds in my escrow account was {$6900.00}. I received a letter dated XXXX XXXX , 2017 stati ng they were looking into the matter and I should hear from them within 30 days. I never heard anything else from them. So I called again on XXXX XXXX , 2017 and talked with XXXX , Ext. XXXX , and was told that an analysis had to be performed and that she would go ahead and request an analysis be performed and would have it expedited. Never heard from Ditech so I called on XXXX XXXX , 2017 and talked with XXXX , Ext . XXXX , she stated that the analysis was performed on XXXX XXXX , 2017 and I should be receiving a refund in the amount of {$7900.00} in five to seven days. N ever received the check, so I called XXXX on XXXX XXXX , 2017 , and talked with XXXX , Ext. XXXX , and she stated that I did not receive my refund because my account was delinquent. I do not remember missing any payments, but on XXXX XXXX , 2017, I ca lled and talked to XXXX , Ext . XXXX and made payment in the amount of {$2900.00} ( atta ched is a copy of receipt showing payment was made ) for the month they said I missed and my current payment due to bring my account to a current status. On XXXX XXXX , 2017, I talked with XXXX , Ext. XXXX , who is the Supervisor and he stated that my account was indeed current and he would have my refund expedited. I called Ditech on XXXX XXXX , 2017 aft er receiving a letter stating that my request was still being investigated and I should hear something by XXXX XXXX , 2017. I never heard from XXXX , so I called on XXXX XXXX , 2017 an d talked with XXXX , Ext . XXXX and the only thing she told me was what I would hear every time I called, you should hear something soon. So I then asked to speak to the supervisor, which happened to be XXXX , Ext . XXXX . XXXX stated to me he would check on having my refund expedited and if I have not heard from Ditech or received my refund I should call him back on Tuesday, XXXX XXXX . Since I knew I would not hear from Ditech or receive the refund check that soon, I decided to give them an extra week before I called back. I called Ditech XXXX XXXX , 2017 and spoke with XXXX , Ext. XXXX , to inquiry about my escrow refund check and she checked with the supervisor, who said she was checking on why I have not received my refund after the analysis was done and after it had been expedited twice and I should give them 24 h ours and call them back. On XXXX XXXX , 2017, I calle d and spoke with XXXX , Ext. XXXX , she could not provide me with any answers except that an email was sent to XXXX and the have not heard from her yet. As of today, my escrow account has a balance of {$10000.00}. I have attached a call log of each time I called Ditech and all correspondence between myself and Ditech. Any help that you can provide me in obtaining my refund for the overage in my escrow account would be greatly appreciated.
03/30/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	TX 775XX	Web
My name is XXXX XXXX I purchased the property from XXXX XXXX. I was set for failure from the get go, when I was placed on an adjustable ARM at 9 % increased to 11 %. In the beginning my payment was affordable at {$850.00}. My Payment adjustedfrom $ XXXX $ XXXXand now $ XXXX.From start to present.That 's 75 % higher payment. I wasnave and the lack of Real estate knowledge and being that my XXXX is XXXX. I felt I was pushed and wronglyadvised by myBroker, to accept these terms. She stressed that I canlaterrefinance XXXX fixed rate.I laterlearned, at the time that XXXXXXXX XXXX, increased the value of thepropertyto cover the closing cost. When the recession hit, my hours were cut and my wife lost her job also, we were negatively impacted financially andin result had marital problems that almost caused us our marriage.. Wereachedout toXXXX for assistance on my mortgage. I went through the loss mitigation process and XXXX early fromXX/XX/2013.I 'm sure you are aware of the devious practices ; theykept losing the paperwork, and closed my file XXXX times. I tried calledlooking for answers, andwas told bythe lender representativesto keep sending the paperwork. Theproblem? Icould n't refinance my mortgage ; the property was now upside down it plummet form {$84000.00} to {$54.00}, XXXX. Unable to REFINANCE the adjustable rate to a fixed rate.The loan had transferred from XXXX TO XXXX XXXX XXXX. I received a point of contact ; an application was mailed out to my residence. I complied but the tedious, repetitive and the lender constantly losing paperwork, lack of communication well turned into a nightmare, I was asked again to resubmit thefile. XXXXXXXX XXXX never assigned single point of contact with Greentree. I want this nonsense to stop and for GREENTREE to review my present situation lower my rate, andbehave like a professional organization. It 's up to GREENTREE step in andfixthe problemthatinitiallytheir COUNTERPART ( XXXX ) set me up for failure offering me the option ARM. ! I called into your Customer Service Department and could not get a straight answer. I began working with a non-profit organizationthatsent over documents. Thesituationremainsthesame, I 'm on the phone constantly withGreentree to fix the problem, but you could n't get it right due to communication issues andtheirinflexible process. Things became progressively worse as the agents proved they are utterly incapable of correcting the simpleproblemXXXX/XXXX XXXX XXXX AND NOW GREENTREE created, they clearly do not understand what a signed contract meansorhow to treat clients with respect, THE OPTION ARM IS DECEITFUL AND JUST PLAIN IMMORAL. A further step down into the abyss occurred whenXXXX XXXX XXXX XXXX XXXX raised my mortgage paymentas explainedearlier XXXX dollars. Nowtheissues to contend with and I could never get a straight answer and the gap between me and GREENTREE began to widen further. The bottom line is that I Now have an agreement with GREENTREE regarding my mortgage payments and GREENTREE has created a huge mess which continues to snowball.Despite the cry for help, and theirlies, inconsistencies and inability to provide me with answers to my concerns. I demand that GREENTREE stop the games, to deliberately stop losingpaperwork, so they have no excuse not to help my famil
01/29/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 344XX	Web	Older American
In XX/XX/XXXX I submitted a loan modication application to XXXX XXXX with the help from my local Housing Agency to insure that all paperwork was in order. It was supposed to be a 90 day start to finish process. I spoke with a Greentree representative in XX/XX/XXXX after getting a 3 month deferment on my monthly payments because she called to let me know that my modification would not be processed until I made my XX/XX/XXXX payment and continued to pay during the modification process. In XX/XX/XXXX I contacted XXXX XXXX to find out what the status of the modification was and was told that they had lost my documents and that I had to reapply. In XX/XX/XXXX I resubmitted all documents and again waited for a reply from them. In XX/XX/XXXX I contacted Greentree to get an update on my modification and was one payment behind at the time of our discussion. I was told by the GT rep that she would throw my modification in the trash if I didn't make my payment via phone that day. By that time I had maxed out credit cards attempting to keep up the payments. I had a family member make payments to the amount of {$3000.00} and also used local services to help with the payments. In XX/XX/XXXX my paperwork for my modification was missing again. In XX/XX/XXXX after using up all resources available I applied for a loan modification with XXXX XXXX and received a letter on XX/XX/XXXX that the received the paperwork. No further information was sent on the results. In XX/XX/XXXX my home went into default and was sent a certified notice via XXXX. In XX/XX/XXXX the house was listed for sale. I diligently paid on the house for 18 years. I filed legal separation papers in XX/XX/XXXX and in the agreement the house was awarded to me. Greentree would not let me know who the title holder of the house was and refused to take my husband off of the loan. In XX/XX/XXXX I applied for a mortgage loan through XXXX XXXX XXXX for a lower interest rates that made my payments {$250.00} less per month and XXXX XXXX denied the request. While attempting to complete the modification process I was continuously redirected to collections department and was denied the right to speak with a representative in reference to my account status. I was threatend with foreclosure, ridiculed, called names and yelled at. I was told that on the XX/XX/XXXX of every month they dressed up like bums during their meeting to represent us losers. There many more things I could report on their customer service tactics but will keep focused on what's most important. It is my belief that XXXX XXXX intentionally forced me into foreclosure by their actions. I lost home, property, upgrades like buildings, fence etc. and belongings and live in a small camper. In XX/XX/XXXXI moved out of the home and signed the house over to XXXX XXXX with the promise that by doing so it would not be reported to the credit bureau. It is on my credit report and I was billed for {$1200.00} for cleaning fees. I hired XXXX XXXX in XX/XX/XXXX to sell the house and it was in excellent condition when I left it. I had 2 offers that were denied. I'm not sure who denied them but thought it needed mentioning. Thank you for your time and service. You help keep these fraudulent companies straight. Most of us have not got the resources to do this on our own.
02/01/2017	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 93292	Web
In XXXX 2016, we received our monthly bill from Ditech. When I opened the bill, our payment was {$1500.00} more than we had been normally paying. I contacted Ditech and we were told that we had finished our interest only term and now our payment went up to pay the principal owed on the loan. We could not afford that payment and asked if we could refinance the loan. We were told by Ditech that we could apply for a modification. We gathered all the information that they requested and returned the documents to them requesting a modification. We were denied the modification on the premise that we could afford the payment based on the information we provided. In the meantime, I contacted other lending companies to see what we could do to refinance our first to include the Ditech second. Since property values and dropped dramatically and they had not fully recovered, we owed more than our property was worth so refinancing was not an option. I called Ditech again trying to get answers on how they determined that we could afford a {$1500.00} payment increase. I finally got to talk to someone who was somewhat helpful and I was told that since the loan was only in my name, I did n't need to include my wife 's income on the modification request and I could resubmit the modification request. I was also told that they would n't even consider a modification unless our payment was past due. This was very hard for us to allow the payment to become delinquent. Our credit is/was impeccable. We had never been late on a payment. During the process of letting the account go delinquent and resubmitting our application for modification. We were bombarded with phone calls from Ditech wanting us to pay our bill. It was embarrassing and frustrating because this was not a position that we would voluntarily put ourselves in, but we had no choice. At the end of XXXX 2016, we were approved for a modification. It was n't what we had hoped for and it was still going to be a struggle to make those payments, but we accepted the offer with our first payment being due on XXXX/XXXX/16. We began making the new payments and have continued to make those payments each and every month since, but I am still receiving letters and phone calls from Ditech offering modification and requesting payment since our account is past due. I have called Ditech numerous times to find out why our account is delinquent and the response I get is that they have received our payments, but they have a " glitch '' in their system that is not recording our payments correctly. I told them that explanation was unacceptable and asked them how they would respond if I told them my payment was late because I had a " glitch '' in my system? They told me that they are working on the issue, but as of today ( almost 8 months later ) my account is still showing past due on the bills I receive and on my credit report. I think I have been more than patient with them and have allowed them ample time to correct this " glitch ''. I am now in a position where I can refinance my home to get a better payment, but now my credit score is tainted by the false information Ditech is providing to the credit bureaus. Ditech is reporting an incorrect monthly payment amount to the bureaus and that we have not made payments in the last 7 months.
01/09/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77357	Web
Hi this is XXXX XXXX XXXX and is call by this financing institution under the name XXXX XXXX XXXX XXXX and is concerning about this recent disaster just happened over four months ago and my house still damaged because the mortgage they does not wants to pay the money in our dueling home and is so confuse and frustrate from them always when we try to speak with is a struggling communication whit them or their intentionally are delaying of release all this full amount of money amount of {$31000.00} dollars pay by their insurance that what stated for them before the hurricane Harvey and it now this mortgage just is seen to me they want to keep all this money amount for their own bad intentionally business and putt me out this home before to resolve this situation in a good manner but hey do n't and acting worse like a bunch of thefts uncaring about this emergency situation my husband and I been trying to according to close this unhealthy damage home whit them but its is impossible because they do n't care we seen only we are represented for their a money bussinees they have to collect anyway when they have the source to resolve this matther in a humanity way but they do n't only they want is keep the money and now they want to deliver my husband to find people to fix our home starting payments from him or us but we or me I am sick and also confuse and frustrated emotionally and fisically because I suffer all this cooling weather on this home and I do n't or we do n't have the money to pay repairs or change this mobile home my husband and I sending back to them this check in full amount of pay off this home but they do n't do nothing and do n't care us in this emergency situation declared by the President and I thinking their are taking Advantage from me and my husband and my pet because both we are sick now and at this moments it is hard or bad for me to find up a good job to pay our home or repaired after this disaster happened I am feeling how is the people laying to us after they cash out the check they never send back to me the half amount like they said after we according thru the cell phone conversation and we really do n't care them and I would like to see their homes how their are healthy and comfortable with advantage from somebody also am speaking by myself what they do this at to this very moment they do not no doing nothing because their all ready have our source of resolve this problem but they do n't care because they all ready have this full amount of money on their pockets .... I have to contact a Lawyer because their ignorance of our situation even also when they have and we do n't have the only thing do I have now is my sickness and my frustration about and the only thing I want is resolve this problem of dead immediately after they keep taking more advantages of my condition because I do n't even have funds to see a doctor for my check out on health XXXX have mercy on me after I been or we been paying this home over twenty years and XXXX use the insurer to pay the full amount remaining on this damaged home but they do n't the only thing they want is keep the money no matter what happened to me or their investment but until now they are not send any help even also when they have the insurance pay off money to keeped all this amount
04/25/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30058	Web
To CFPB My name is XXXX XXXX XXXX, I had a loan with XXXX XXXX XXXX, lost my job around XX/XX/XXXX and applied for a load modification. My loan modification went though, and I was making my mortgage payment with no issues. Then XXXX XXXX XXXX sold my mortgage to Green tree/Ditech. I NEVER MISSED A PAYMENT, ANOTHER FORECLOSURE WAS PLACE ON MY HOME AGAIN ( XX/XX/XXXX ) IM ASKING DITECH TO STOP THE FORECLOSURE ON MY HOME Ditechs records show that you agreed to a loan modification in XX/XX/XXXX, while this loan was being serviced by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). On XX/XX/XXXX, the servicing of your loan was transferred from XXXX XXXX XXXX, to Ditech. The transfer in servicing did not alter or change the original contract. The modification agreement had not been applied to your account as of the date of the transfer. Ditech applied the modification to your loan on XX/XX/XXXX. In response to your complaint, Ditech contacted XXXX XXXX XXXX in order to assist with reviewing the application of your payments prior to the application of the modification. Ditech determined that {$1800.00} had been received prior to the application of the modification and was not appropriately applied to payments due after the effective date of the modification. This left the account past due after the application of the modification. The enclosed payment history shows that you have been submitting payments that are short of the total amount due. Please note that Ditech is unable to apply partial payments to your loan. Any payment received that is insufficient to satisfy one full loan payment is placed in unapplied funds ( UAF ) until enough funds are received to make a full loan payment. The partial payments have also contributed to the delinquency on your account. Due to the delinquent status of your account, Ditech referred your account to foreclosure in XX/XX/XXXX. Once a loan has been referred for foreclosure, Ditech may deny any payments that are insufficient to bring the account completely current. Ditechs records show that funds were returned to you on two occasions after the loan was referred for foreclosure : {$960.00} on XX/XX/XXXX, and {$910.00} on XX/XX/XXXX, for a total of {$1800.00}. Ditech advanced {$1800.00} to your account on XX/XX/XXXX, to correct the modification payment application error at the time that the loan was transferred to Ditech. This amount was applied to the UAF balance on the account. The account now reflects that it is past due {$1700.00}. If you resubmit {$1700.00} of the {$1800.00} that was returned to you in XX/XX/XXXX and XX/XX/XXXX, the account will be brought current. Ditech apologizes for any inconvenience you have experienced as a result of this issue. Ditech has ceased our foreclosure activity, waived any late fees or foreclosure fees, and once we have received the {$1700.00} to bring the account current we will be issuing a correction to the credit bureaus to reflect that your account has been current since the effective date of the modification. Please contact your Ditech account representative XXXX XXXX at XXXX XXXX XXXX with additional questions or concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX Paralegal Enclosures cc : CFPB Portal MONETARY RELIEF AMOUNT XXXX XXXX XXXX Onsite Support P : XXXX Email : XXXX XXXX
07/16/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	VA 24551	Web
Green Tree Servicing , LLC purchased our mortgage from XXXX XXXX XXXX XX/XX/XXXX. Recently, the roof of our XXXX XXXX ( all XXXX units ) was damaged beyond repair by ice. Our personal insurance is with XXXX XXXX who confirmed the damage and issued us a check to cover roof replacement. The check was issued to my wife, myself and Green Tree Servicing. When I contacted Green Tree Customer Service, they instructed my wife and I to endorse the check and send to them and they will deposit in their account ... and " dole out funds as they see fit. Being aware of the plethora of online complaints regarding Green Tree 's unethical handling of similar situations, I requested a copy of their procedures/ policies for disclosure of how this matter would be handled. Through conversations and emails, Green Tree Servicing has refused/ ignored numerous requests to provide a copy of their procedures/ policy relative to how these funds will be handled. In the mean time, the contractor replacing the roof required that all XXXX homeowners of the XXXX XXXX units provide XXXX % of their cost estimate prior to construction. This is being handled through our HOA. Therefore, we have had to use personal funds to cover what is an insured loss. The following are Green Tree contact details : On the advice of our insurer, I contacted Green Tree customer service ( XXXX ) during the week of XXXX XXXX to request procedures and their customer service agent advised me to call back when I had the check in my hand ( rude ). Spoke with Green Tree Customer Service rep. " Dusty '' on XX/XX/XXXX who advised I would have to speak to another Dept. regarding my request She subsequently advised that Dept. was not answering and she would have them call me later that day. NO call received at any time ( documented by Caller ID ). XX/XX/XXXX sent an email through their web site requesting procedures/ policies be emailed to me. Also advised that since this loan was purchased from XXXX, advised that I spoke with XXXX who advised that " based on our banking history, they would simply endorse check and return it to us ''. No response from Green Tree Servicing. XX/XX/XXXX Sent another email through their customer service inquiry address listed on their monthly statement. Received an email response XX/XX/XXXX that customer service does not handle claims??? The following email was received from Green Tree Servicing on XX/XX/XXXX. " Green Tree has received your correspondence, and it is currently under review. In order to fully investigate your inquiry, we are in the process of retrieving and reviewing the account and servicing files and other information on the subject matter. Once all the pertinent documentation has been reviewed and the matter has been discussed with all relevant Green Tree personnel involved, we will provide you with a written response. You can expect to receive the written response within thirty ( 30 ) business days from the date we received your correspondence '' Obviously in 30 days, I will have had to personally pay the last 50 % ( {$6000.00} plus ) to the contractor as they are repairing all XXXX roofs at XXXX time as directed by our HOA. There has got to be something ruefully wrong with a company that refuses disclosure/ transparency of their banking practices.
01/06/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	IA 501XX	Web
I have a mortgage for property : XXXX XXXX XXXX in XXXX, GA XXXX in XXXX XXXX. The warranty deed clearly states its metes and bounds and there is are XXXX legally recorded plats on file ( XXXX describing location and a road with an easement, the other showing the exact property lines themselves ). For some reason, the legally recorded warranty deed and plats are not being used as if they are legally bounding contracts and files. I never signed legal documents to change the metes and bounds of my property ( nor did past co-owner/deceased ) at any time. Anything sans our signatures and/or consent should not exist. Repeated fraud occurrs via XXXX of my neighbors - who uses a forged plat ( felony GA 44-2-43 ) to share with her friends that SHE owns a portion of my property. With this forged plat, my neighbor started a barrage of attacks against me, accusing me of crimes while being on the section of my property she claims is hers. Because she works for an attorney and lives with a Sheriff 's Officer, XXXX XXXX Governing Agencies have repeatedly refused to investigate - instead they are using the forged plat as if it was a legal document and retaliating against me when I bring the legal documents to their attention. ( ie ; warrant for criminal trespass on my own property after I met with DA investigator ). I need my mortgage to MATCH my warranty deed/plat. In order to do this, a legally recordable plat must be signed by the Planning Office and a fee paid for NEW legally recordable documents to be filed ... However, there is not a legally recordable plat. There is just a forgery. It does n't comply with the GA Plat Act and can not ( is not ) filed on any Page or Book in the Clerk of XXXX XXXX Courts. I did not buy property and enter into a binding contract of a mortgage, to have it ignored. The Mortgage Company needs to make sure the property I own IS the property I own. They must investigate the fraud and make things right. There are XXXX title insurance policies ( XXXX for mortgage company and XXXX for deceased owner ). I do not have clear title because of this mess. Since I did n't consent to any changes and have not changed my property 's Warranty Deed or any of the mentioned documents or attachments, NOTHING should have changed. I pay property taxes BASED on the filed deed/plats - not the forgery. With the forgery, the many accusations have lead to me being kicked out of my own home ... because it 's too close to " she-who-shares-property-lines '' - with the last accusation of me beating up a neanderthal ( who I reported to the DA/IA for lying on XXXX arrest warrants against me ) and criminally trespassing on my own land ( again ) ... I have n't been to my house since XXXX XXXX, 2013 ... .. I own it. I lived there alone. I paid strangers to move me out ( tons is missing ). I need help. There are folks in XXXX XXXX, Georgia who are ignoring the contract of my mortgage and its legally recorded intent. If they are doing it to my property, I 'm sure it 's happening to others as well. I do n't believe the residents of a small town should have their rights revoked by others with governing seats ignoring the laws that are supposed to keep the peace. If anyone has something to offer, please email me XXXXXXXXXXXX
09/26/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA XXXXX	Web
This is a follow-up to Consumer Financial Protection Bureau Case No. XXXX. I received a response to my complaint from Ditech Financial LLC that I was satisified with on XX/XX/2018. Per the letter received from Ditech 's Paralegal, XXXX XXXX, Ditech was to issue a refund in the amount of {$1000.00} which was being processed and mailed to me separately. As of XX/XX/2018 I still had not received the refund check. I contacted Ditech customer service on XX/XX/2018 at XXXX XXXX EST and spoke with XXXX. XXXX stated that the check had been issued but had been received return to sender, do not forward. Since the my original complaint was filed I had closed on the home that Ditech held the mortgage on and no longer lived at that address. Ditech had my current mailing address on file from when the check was returned. However, no check was reissued and no one from Ditech attempted to contact me. I verifed the current mailing address with XXXX. He stated that they would have to put a stop payment on the original check but he was not empowered to reissue a check. XXXX stated that he submitted a reissuance request to a supervisor and to allow 7 to 10 business days. As ofXX/XX/2018, which is now 11 business days, I still have not received the check. I called Ditech customer service on XX/XX/2018 at XXXX EST and spoke with XXXX. XXXX stated that the service request was supposed to be closed out on XX/XX/2018 but was still open. She stated that a check was never issued because the funds need to be reallocated as the funds were still under advances and need to be transferred to escrow. So I said to XXXX was I lied to about a check ever being issued back in XXXX which I was told by XXXX. She stated a check was never issued. XXXX stated her supervisor needs to review this and it could take 10 to 14 days for the funds to be reallocated. I said this is unacceptable as this has taken long enough to be handled already. I asked to speak to her supervisor. I was then transferred to supervisor XXXX at extension XXXX. She stated Ditech can not just send a check, that she needs to get information reviewed and resolved. I asked her was a check issued in XXXX and returned to Ditech or not. XXXX stated a check was issued. I asked why can't it just be reissued. XXXX stated she needs to review the information and contact other departments. I asked which departments. She stated an internal department that I couldn't speak to. She said she hopes to have a resolution today but could not give me an estimated time on how long this process could take. This is completely unacceptable to me. I received a response from Ditech that I will received my refund on XX/XX/2018 and I've yet to receive it. The response stated it was being processed as of the date of the letter. Speaking with three representatives from Ditech has given me three different responses that all conflict each other. Ditech lies, decieves or can't provide any information upon request. XXXX, the supervisor, was barely able to answer any of my questions with a direct answer and tried to deflect or default to contacting other departments to get information. It should not be this difficult to get a refund check. I paid off the mortgage. I fulfilled my obligation. I expect the same in return from Ditech.
02/10/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WI 531XX	Web
XX/XX/2007 I claimed bankruptcy due to a bad business decision and the fall of the economy. All of my life savings went down the tubes as well as a 20 year marriage. The only thing I had left was my home and the equity in it. As you can imagine this was a bit XXXX..To make a long story short my mortgage was takin over by greentree. From this moment on its been a nitemare.. They hassled me morning noon and nite. Only excepting payments thru this service in which I had to pay {$12.00} extra to use also attemted to take unauthorized payment withdrawls from my account. This caused many overdraft charges. I filed the proper paperwork for modification and was finally approved after at least XXXX phone calls and at least as many fax attempts. When I sent a fax I got a confirmation that it was recieved but greentree said no way so I had to resend again ... This process took months..Well by nobodys fault but my own I fell behind again due to a divorce and only XXXX income.. This time greentree had been changed to ditech financial and I was told by there representatives that Ditech was the new company taking over my accounts. What an outrite lie.. This time the experience was even worse.. I faxed so many times the same documents I ran my printer out of ink. I was told different stories by every other representative that took my call. One said they were having issues with incoming faxes and that department was being revamped.. Another lie.. During this process I was forced to be away from my home for months at a time as employment was scarce. I returned home one day to find a company called safegaurd property preservation had broken the locks off my home with a channel lock, left the destroyed locks laying on the floor in front of me and put a lockbox on the door..I immediately contacted these misfits and they gave me the lockbox code. I also told them that I never moved out and they agreed to leave my home alone..Safegaurd had made repairs to my home that were ridiculously uneeded, for instance, the exterior dryer vent was replaced. This was brand new and to my knowledge they dont wear out..They also removed anything that they thought that had value. Missing was a leather couch, change in a jar ( about {$25.00} ), pictures off the wall, pots and pans, expensive cutting knifes from the kitchen and a snowmobile out of the yard. A few weeks later I came home from work to find the locks were all changed again. They had attempted to make it harder to gain entry this time. I had to slide under the garage door and break down the entry door to the house. When I called XXXX they apologized for the confusion and agreed to pay for a new door and the missing items including the snowmobile.. After 6 months of phone calls I agreed to a measly {$600.00} refund for the door and was told I should have made a police report on the sled. I was pretty upset at this stage because its tough to make a police report 6 months after the fact so I agreed to the {$600.00}. I havent recieved payment as of today. As of today my house is set for a sherriffs sale XX/XX/XXXX and Im still trying to modify the loan. I again have been told the same lies about not getting my fax and everytime I call I get a different rep who tells me they need a different piece of paperwork.
05/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27107	Web
On Friday XXXX XXXX, 2016 I made a payment thru ditech 's online payment system, in the amount of {$800.00}. The transaction completed, and debited my checking account the following Monday XXXX XXXX, 2016. Because the ditech debit transaction debited my checking account, I did not feel it necessary to follow up to be sure that the payment was properly applied. On Wednesday XXXX XXXX, 2016 between XXXX and XXXX, I received a call from someone named " XXXX XXXX '' at extension XXXX requesting that I make a payment on my supposed delinquent mortgage. I informed XXXX XXXX that I had made a payment via ditech 's online payment system for {$800.00}. She then replied yes, I see that payment, because it was paid early it was applied as a principle payment, not a regular loan payment. XXXX XXXX explained that this will be straightened out in 24 to 48 hours, and she was reallocating my payment for me. I thanked her, and we both hung up. The following day, Thursday XXXX XXXX between XXXX and XXXX I received a call from someone at ditech named " XXXX '' who informed me that the purpose of the call was to collect a debt. XXXX informed me that I needed to make a payment on my delinquent mortgage. I explained to her that I had spoken with XXXX XXXX the previous day, and this matter should be resolved. She replied " I 'm sorry sir, you are correct, I show the payment has been made, and I will make sure you do not receive any further calls ''. I have not received any further telephone calls. I received in my mailbox on XXXX XXXX a late notice, dated XXXX XXXX, 2016, and my billing statement, dated XXXX XXXX, 2016. Just to be sure that this matter had been resolved, I signed on to the online account system, which now showed that my fixed rate mortgage has somehow been changed to a variable rate mortgage, without my knowledge or approval, and the misapplied payment still had not been corrected. I have made numerous telephone calls, and spoken with service reps, supervisors, and a ditech director. All of them agree that I made my payment on time, and that the payment was misapplied by ditech, but none of them are willing to make this correction for me, and insist that the research department has to investigate first. It has been well over a week, and I have been unable to get this corrected ; ditech refuses to connect my phone call to someone that can correct this mistake. It has now come to the point in time where another payment is due, and I am concerned that this payment will also be misapplied. The other problem is the modification of my mortgage loan from a fixed rate loan to an adjustable rate. Nobody can explain how this happened, or how it is going to be corrected. I seem to have no other recourse with ditech, as I can not get any resolution to their mistake, employees are unwilling ( claim to be unable ) to make the correction to their company 's mistake. I am beginning to get concerned that ditech is committing some sort of fraudulent activity, by changing my fixed rate mortgage to a variable rate, and by misapplying my payment, it shows my account as delinquent ; and will start causing late fees to be applied. The initial late fee was reversed after the first telephone contact, but I am concerned about this company 's future actions.
01/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 35055	Web
Had storm claim at my home in XX/XX/XXXX. Checks from insurance company came in my name and Ditech 's name ( Ditech is my mortgage company ). From the beginning, I would be given different information on the process to release the funds to fix my house each time I called. My contractor has witnessed all the phone calls with me after the first two calls for this reason. They never gave me anything in writing telling me the process but instead gave me different info each time I called. We are now over 80 % done, but they have only paid out about half of the money. It has drug on so long that things are getting tough. Contractor has fronted a lot of money for the job, and hasn't gotten paid in the way Ditech told us they would. If she didn't have the funds she had to spend, we would both have been in trouble. They sent a third party inspector to the house on XX/XX/XXXX who told me he was reporting that well over 75 % was complete and that Ditech would send 75 % of the money. We called a few days later and they had only sent XXXX in the mail ( which we had been told they would overnight it free of charge since there had been a " misunderstanding '' because they would usually charge XXXX to overnight it and take it out of the claim money? ) The misunderstanding they refer to is basically anything we have been told any time we called them to get the money released. From the beginning Ditech told us they would release so much up front, then when a certain amount of work was completed we were to send in invoices showing what was purchased and done and they would disperse more funds several times and hold only 10 % in the end to be released when we scheduled an inspection to show it was at least 90 % complete. My contractor overnighted invoices, etc., to them over a month ago. We called them 2 weeks after and were told they had everything they needed and a check would be sent when it was processed, probably in the next week. After another week we called and were told a 50 % inspection would need to be done? We called the next day and were told a check would be cut in a couple of days, so we asked for a supervisor, and supervisor said they were mistaken, that they had all the documentation they needed and we needed a 50 % inspection to be done in order to release more funds to show it was at least 50 % complete? Inspector came on XX/XX/XXXX and told us an inspection was to be done at 25, 50, 75, and 90 % to release funds and asked if Ditech told me that? I flipped out. He said not to worry, that he would show we were well beyond 75 % complete, and that would release 75 % of the funds, then when we called for 90 % inspection, it would release the rest. So we called couple of days later and were told XXXX was sent in mail and they were holding the rest until 90 % inspection was done? Is there anything you can do to help us? There has to be a law against a company doing business in this way. Our county was declared in a state of emergency when this happened, but I didn't know to sign up with FEMA because I had insurance. FEMA would have made them release the funds. I had to have a new roof, siding, windows, ceilings, walls, flooring, cabinets, stove, and I do not have countertops, kitchen sink or stove at this point. Please help us.
01/10/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29681	Web
Purchased my home in XXXX, mortgage company was XXXX. My loan was sold to Green Tree. I had a fail business in XXXX and requested a loan modification from Green Tree. My continual submitting information to Green Tree asking for help and then things changed and I began to be harrassed by my mortgage company. I continued to ask for assistance and got no where and was continually being told there had not received my information ; which caused my loan to behind. I was unemployed but begain to build a home based business. I received a letter stating my mortgage was no longer Green Tree but Ditech. Information received showed they changed their name to Ditech. I received a check from your company Consumer Financial Protection Bureau ( CFPB ) dated XXXX XXXX, XXXX, in the amount of {$10.00}. Along with this check was a letter stating, I was receiving the check due to a federal lawsuit. This lawsuit was the Consumer Financial Protection Bureau and the Federal Trade Commission. In the letter it stated information if I chose to pursue further legal action. Locally after going to court I was working with South Carolina XXXX XXXX XXXX. Ditech gave me a request to meet their qualifications for a loan modification. A complete package was sent to Ditech and representative XXXX XXXX stated on XXXX XXXX, XXXX and he stated it would be sent for review. While waiting for the information from Ditech, I received a letter from a company named XXXX XXXX stating my loan had been sold to their company on XXXX XXXX, XXXX and I was to direct all questions to their company. On XXXX XXXX, XXXX I contacted XXXX and spoke with XXXX XXXX was told they owned XXXX. I was given a representative at XXXX XXXX. I was told my new loan number and I would be speaking with him from now own. I was told by XXXX that they had n't received any information from Ditech concerning my modification. I explained all the information was sent and we made sure it was submitted before the XXXX program expired on XXXX XXXX, XXXX. I was told they get thousands of loans and if I were to send him the information it would expidite things. I received a letter from Ditech 's Attorney XXXX XXXX ( XXXX dated XXXX XXXX, XXXX ; stating a judgement was filed XXXX XXXX, XXXX and the mortgage was ordered to be sold by the Master in Equity in a public auction on XXXX XXXX, XXXX. Ditech 's is attempting to sell my loan but they no longer own the property and no one gave me any information about the loan modification that their letter in XXXX XXXX stated I qualified far before they sold my loan. I submitted the Ditech package to XXXX XXXX and received a call stating they received it and he stated that he saw it was a complete Ditech package and he 's not sure if they will require any more information. I 'm concerned because there are XXXX companies and they do n't appear to be communicating with each other and I do n't want my home to be sold and leave me homeless and I want them to honor the XXXX program because this matter has been going on for months. I feel like they are putting mein the middle of a catch twenty-two. I hope you can help me because according to the original lawsuit Green Tree/ Ditech was targeting XXXX people and other races. Thank you for any assistance you can give me.
06/24/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20904	Web
On XX/XX/XXXX the Collection Agency for the loan of the home that I live at in XXXX Maryland, called me to report that an " escrow check '' had be sent to my address. The company, Green Tree Services, had taken over the mortgage from the previous lender, XXXX in XX/XX/XXXX. This property was an inheritance from my late mother, XXXX XXXX XXXX, who had passed in XX/XX/XXXX. I am the executor for the property on XXXX XXXX XXXX XXXX XXXX, Md. XXXX, which is part of the estate of XXXX XXXX XXXX. The Estate account was established in XX/XX/XXXX with XXXX XXXX Bank. Green Tree Services was duly notified of the Estate in XX/XX/XXXX as well. Green Tree 's representative told me on XX/XX/XXXX that a check for {$3400.00} was issued to the estate of XXXX XXXX XXXX and sent to our address on XX/XX/XXXX. My sister and I both live on the property, and had lately been checking our mail in order to keep up with bills. We never received this check Then I was advised the check could be reissued, and even subsequently used toward the current balance of our mortgage. I requested that this escrow check of {$3400.00} be reissued on XX/XX/XXXX. I was advised by Green Tree that the reissue process would take approximately XXXX business days for the escrow check to arrive. Several days later, Green Tree had repeatedly called, with threats and warning about the balace of our mortgage ( for the sake of transparency, we have been XXXX months behind with payments, and were looking for foreclosure/credit counseling services in order to assist us XXXX. Each time that I ask about the escrow check, I have been warned that check would be sent on progressively later dates or deadlines than was originally told to me on XX/XX/XXXX. So now, I have been told that the check is n't really going to be mailed until XX/XX/XXXX, and that at least a payment of {$1000.00} should be made before XX/XX/XXXX so that our home wo n't be brought into full foreclosure proceedings. This explanation was different than the reissue process that I was told by Green Tree on XX/XX/XXXX that would just take XXXX business days, with no other caveats given to the process to reissue the escrow check of {$3400.00}. Bait and Switch? I understand that the job of Green Tree Services is to collect a debt, in this case, the inherited debt of the estate of my late mother. I understand also that our payments are 2 months behind. What I do n't understand is why Green Tree would go out of their way to announce the mailing of a check of nearly {$3500.00} that we never received, and then take equally painstaking measures NOT to reissue the check that they said they were obligated to send in the first place. It seemed pretty clear that the " escrow check '' was almost used by Green Tree as a bargaining chip for the payment of {$1000.00} that they really want by XX/XX/XXXX. Our family is actually in the process of gathering this {$1.00} for the late payments. I am formally making a complaint of the attempt by Green Tree Services to use this alleged escrow overage as a punitive, if not fraudulent, means to unethically collect debt. The only names that I have been given are that of a " XXXX ", a representative for Green Tree Services, who is sometimes available at XXXX, at extension XXXX.
09/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	ME XXXXX	Web	Older American
I recently refinanced my mortgage to lower the interest rate and get away from the servicer of my old mortgage. Mortgage servicer of my old mortgage appears to have misapplied the final payoff payment from the new mortgage bank, recording the total payment ( loan balance and remaining interest ) as being {$380.00} HIGHER than it actually was. They then accounted for the too-high payment credit by attributing part of the " overpayment '' ( {$250.00} ) to Interest Paid ( which will result in too high a number on my IRS XXXX at year-end ) and the rest as payment ( {$130.00} ) to my real estate tax escrow account. They then refunded me the balance in the tax escrow account, including the incorrectly-credited payment. I tried four times through Customer Service to explain that they had given me too much money back from the tax escrow account, and to ask for a final statement showing all charges and payments resulting in the closing of the mortgage account. Only XXXX of the XXXX agents understood why I was questioning the overpayment in my tax escrow refund ; she invoked a supervisor who said they would investigate. I never heard back, called again a month later, and was told that the extra credit had something mysterious to do with XXXX requirements to record a full month 's interest even though I had paid off the loan in mid-month and the actual payment sent by my new bank included interest pro-rated for the days in the month to closing of the account ; also that if I wanted to pursue the matter further I would have to do it in writing. I understand this is an unusual complaint ( I got too much money back, the mortgage servicer in effect has given me an unexpected gift ) but this situation suggests to me sloppy accounting practices that may indicate other problems in the way this company handles mortgage processing. I am also still waiting for a final statement on the account that shows when my mortgage was paid off, exactly how much in interest I actually paid, and that the balance on the loan principal is now XXXX. After my last phone conversation with their support agents I was told I would receive that final statement, it was being mailed that week, but when the statement arrived it was not the final statement reflecting state of the account after the payoff, but a normal statement from two months prior ( a copy of the last one they had issued before I told them I was refinancing the loan ). The processor 's website contains a brief summary of the payoff payment, which shows the " total payment '' amount being {$380.00} higher than the new bank actually sent, but there 's no final statement showing the account is closed -- in spite of the website telling me every time I log in that the account is now closed. I think this company is XXXX up, and although I personally have benefited from their apparent error, I suspect that others have experienced the reverse and may have been charged more than they should have been, or have had payments actually made not properly credited. The company should be investigated. I have attached the last regular statement issued, the last statement of any kind issued, the payoff invoice and wire transfer order, and screen shot of payoff payment from the processor 's website.
02/25/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	XXXXX	Web
FORECLOSURE XXXX XXXX XXXX XXXX XXXX. and SERVICERS FORGED SIGNATURE AND ISSUES WITH COLSING DOCUMENTS AND ABILITY TO GET THEM FROM SERVICER PER REQUEST. XXXX PAGE ARM NOT AND XXXX PAGE FILED IN STATE OF HAWAII ARM NOTE NOT THE SAME. SIGNATURE IS CLEARLY DIFFERENT ON THE XXXX PAGE. I am in a current forecloser as of XXXX/XXXX/XXXX in Hawaii ( Case was dismissed without prejuduce in XXXX and Quit Claimed in XXXX by the association ) on a condo ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX HI, XXXX ) case with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As Trustee For The Certificate holders of the XXXX XXXX XXXX Certificates, XXXX XXXX. The Servicing companies in order XXXX XXXX XXXX XXXX. and currently former Green Tree now DITECH. I recently have called them and asked for documents. The first time they sent me a ARM rider note that was not in my original documents that where filed in the state of Hawaii XXXX. The arm that they had sent was XXXX pages XXXX signature and no date. The XXXX in the state of Hawaii is XXXX pages and is Notarized and signed. The signature on the ARM XXXX page note provided by the servicer looks not like mine in anyway comparing it to my signatures on the Notarized ARM XXXX page doc in the filed papers. Since then I have contacted the service 2 times request additional documents including Interest Only Feature Disclosure, Fee and Obligations Addendum, Borrower Property Condition Certification, Adjustable Rate Mortgage Loan Program Disclosure Interest Only ARM, Signature and Name Certification, Itemization of Amount Financed ( which varies {$280000.00} in promissory note and XXXX on this document ), the Truth in Lending Disclosure Statement, and a full copy of the Promissory note and any Riders or other documents attached to this. The have only sent back the XXXX Page ARM so far and a notice from XXXX XXXX XXXX of ARM rate change not the signed XXXX I requested. Since the signature on the XXXX page ARM is n't mine clearly and the have not produced the other documents as of yet. I am very concerned with the closing of this threw country wide in XXXX and concerned that either documents I was supposed to sign might have not been or other documents signed not by me to look as if they all had been. I stopped paying in XXXX after trying to refi and never being able to and questions and concerns with the loan then and now even more. There is also I feel issues with the Request for Verification of Employment form that has the request page XXXX other pages sampled to it then a page I signed separately almost a month prior that is a Information Authorization Document. The stated on it per my employer that I was making XXXX yearly and there is no pay stubs on number XXXX it says see attached consent form that was almost a month old and not signed along with the verification. Only the Employer signed and no other verification is provided for evidence of me actually making that and I made when filed taxes for that year XXXX XXXX or close to that. It draws my concern to as if this was even legal enough to qualify me for this loan and if the attached verification page I signed was even meant for this document. I will be providing the ARM documents in question and can and will provided the rest if need be.
04/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98391	Web
XX/XX/XXXX XXXX County reduced my property taxes as I now qualify as a senior citizen. My taxes were reduced from {$7200.00} / year to {$3900.00} / year in XX/XX/XXXX. Ditech collects escrow to pay property taxes and home insurance. I continue to pay existing mortgage of {$2400.00} till the end of XX/XX/XXXX and into XX/XX/XXXX. This is well above and beyond what I need to pay to keep escrow funded. XX/XX/XXXX Ditech fails to confirm the tax amount due and sends a payment of {$3900.00} to XXXX County. This amounts to an overpayment of {$3900.00} which was refunded to me by XXXX County later that year. ( see Ditech XX/XX/XXXX Tax Payment attached ). XX/XX/XXXX Living out of state at the time ; did not receive XX/XX/XXXX's bill so made an electronic payment of {$2400.00} to Ditech. This is the same amount I had been paying for entire XX/XX/XXXXknowing I continue to pay too much. XX/XX/XXXX Received a bill for {$2500.00} plus {$87.00} late fee. It appeared Ditech thought I had under paid XX/XX/XXXX's bill by {$40.00}. I am contesting the {$87.00} late fee. This is entrapment! Here 's why : 1.Why wasn't I notified about the alleged {$40.00} short? There was no attempt to contact me to rectify the problem. It should also be noted I have NEVER been late the entire time I've been in this house ( 16 years ). 2.On XX/XX/XXXX Ditech knew they were overpaying property taxes when they sent in the 2nd half of my property taxes. XXXX County assured me Ditech is informed of the new rate. I am notified immediately if my escrow account comes up short for one reason or another. Why am I not notified when the converse is true? 3.In XX/XX/XXXX, Ditech adjusted my mortgage payment and had another opportunity to correct escrow by verifying property taxes and insurance. They did not and seems would rather me continue to overpay as that oversight is in Ditech 's favor. 4.May XX/XX/XXXX's payment is {$2100.00} ( shown attached, it took that long to get a correct statement ). That means I overpaid {$340.00} in every month since my last tax bill was paid. That includes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX : I WASN'T {$40.00} SHORT, I WAS {$1300.00} OVER!!!!!!! And I get fined???? In an effort to resolve this issue I have been in touch with customer service on a number of occasions. Call # 1 : XX/XX/XXXX XXXX told me she would put in a request to have the late fee withdrawn and my escrow corrected. Nothing happened. Call # 2 : XX/XX/XXXX XXXX told me they were sending me a new statement. Was obvious nothing was going happen. Call # 3 : XX/XX/XXXX - XXXX put me in touch with the tax department where I talked with XXXX who attempted to fix the problem. I later received a bill for {$5100.00}. Huh???? Call # 4 : XX/XX/XXXX XXXX spoke with XXXX and XXXX who then fixed the problem. FINALLY!!! From the above exchange, it becomes obvious Ditech 's operations are inefficient and prone to errors. Which brings me back to the {$87.00} late fee PLEASE REMOVE IT. Playing dumb is no excuse for overcharging. p.s. I can not find a single positive review, among thousands, about Ditech on the internet. If I was Ditech, I'd make customer service my # 1 priority as it is adversely affecting the bottom line.
04/10/2017	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	IL 604XX	Web
Complainant is the only living heir of the deceased borrower on loan secured by her home. Due to a default on payments, a foreclosure case had been filed. On XXXX, Complainant submitted a full loan modification application to XXXX ( " XXXX '' ). On XXXX, she received a trial payment plan offer to begin on XXXX. After three payments, the loan was to be permanently modified. Complainant signed the offer and sent in payments for XXXX and XXXX. On XXXX, she received a phone call that the loan was transferred from XXXX to Ditech. She made the XXXX payment directly to Ditech. Per Ditech 's request, Complainant 's counsel ( XXXX ) repeatedly sent a signed third-party authorization and release to Ditech in order to communicate regarding the loan modification. Ditech repeatedly could not find the authorization and would not communicate with Complainant or XXXX. After difficulties communicating with Ditech, Complainant made her fourth Trial Plan payment ( XXXX payment ) to the attorneys representing Ditech in foreclosure against the property. Complainant made her fifth Trial Plan payment ( XXXX ) directly to Ditech. Communication difficulties with Ditech continued. On XXXX, XXXX received permanent loan modification documents from Ditech by mail. The permanent loan modification was in the name of the Estate of Complainant 's father. Complainant was told that she would need to apply for an assumption once loan was current. The signed permanent loan modification documents were due XXXX. There was no notarization required on the documents. Complainant signed the permanent loan modification documents and returned them by XXXX overnight on XXXX. On XXXX, Ditech informed Complainant 's counsel that they needed her to execute an assumption simultaneously with loan modification because she is not the named borrower. Ditech scheduled a notary to come to counsel 's office on XXXX to notarize the documents. On XXXX Complainant took off from work to come sign the documents with Ditech 's notary. No notary showed up and the Ditech representative that answered when counsel called to check on what happened did not know about a notary and said there was no authorization on file. Eventually, counsel spoke with XXXX at Ditech who apologized for failing to schedule a notary. Counsel asked for the documents to review before signing but was told that Ditech may not be able to provide them ahead of time. Ms. XXXX continued to make plan payments. After hearing nothing further from Ditech regarding scheduling a notary, counsel contacted Ditech several times in XXXX regarding the permanent loan modification documents. On XXXX, XXXX was told that the documents would be mailed. On XXXX, XXXX contacted Ditech. Loan modification documents had not yet been sent. On XXXX, XXXX contacted Ditech. Loan modification documents had not yet been sent. Ditech said they would fax the documents. XXXX received a fax from Ditech on that same day but the documents were incomplete. There were no signature pages. XXXX called Ditech on XXXX XXXX and XXXX asking about the loan modification documents but they were never sent. To date, Complainant has not received the permanent loan modification documents or assumption agreement for signature.
03/25/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	MA 01040	Web	Servicemember
Our VA Backed Loan was sold to GreenTree Servicing in XX/XX/XXXX. We received a letter saying our XXXX payment would be due XXXX XXXX for X dollars. We paid XXXX as requested, received no furhter documentation and paid XX/XX/XXXX as we did the XXXX payment. On XXXX XXXX my husband receivced a phone call that we sent the wrong amount and they couldnt accept the payment at all. He tried to pay XXXX {$27.00} difference over the phone having explained we did not receive notification of a payment change. The rep then tried to charge his card for nearly {$70.00} to cover the difference, imposed late fee of {$34.00} and {$12.00} for taking payment over the phone. He refused to pay the late fee since we were not notifed and she agreed and said that she would waive the charge. The call ended with a phone payment of {$39.00} to complete the XXXX payment and the {$12.00} phone payment fee. The XX/XX/XXXX statement came with the late fee still on it. We called and were told that late fees can not be waived over the phone and that the rep was mistaken, we would have to submit it writing. We faxed our written complaint/timeline and request for the fee to be waived and received a resolution letter stating that the fee would be waived just this " once ''. It was a " form letter '' and did not address the concern that we were not notified of escrow changes which would affect or payments. The XX/XX/XXXX statement came with the late fee on it, we called again, the rep said it was waived and should fall off next statement. XX/XX/XXXX statement came- fee still there, we called again, same answer. XX/XX/XXXX statement still had the fee there as well. Everytime we called we got the " run around '' and when I asked to speak with a supervisor/manager they said the same thing. Finally after the late XXXX/ early XX/XX/XXXX call- in which the rep on the phone took off the late fee - which in XXXX could not be taken off over the phone- the late charge fell off the statement. 5 months later! Now, as we started tax season in XXXX/XX/XX/XXXX our tax documents on our online account with GreenTree were incorrect, showing no payments for property tax even though they had been paying them. Several phone calls to reps resulted in them saying " you need to talk to the tax department '' who was never available. And XXXX rep saying " I dont know- do you want me to make up an answer? ". When we finally received our XXXX ( late- it was my understanding documents had to be mailed by XXXX and it was well into XXXX when we got it. We filed our taxes, and weeks after receiving our refunds get a corrected XXXX in the mail from GreenTree. I have very little faith in them as a servicer. We talked to GreenTree more in 5 months then we ever talked to any of our mortgage servicers in the last 9 years! HORRIBLE customer service, RUDE Represenatives and INCONSISTENT messages. I worry about other Veterans who have had loans sold to GreenTree and arent able to advocate for themselves as we were able to do. We thankfully were able to refinance and not only get a better interest rate but were also able to get away from GreenTree. I am crossing my fingers that we never get sold to them again. Veterans, and other homeowners deserve better than GreenTree.
10/24/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92024	Web
We are extremely frustrated and dismayed by the ongoing delays and miscommunications that have occurred during the processing of our loan. We applied in XXXX of XXXX and the loan is still not closed. The first 3 month 's delay are understandable due to the time it took for XXXX XXXX XXXX to subordinate the 2nd Mortgage. But on XXXX XXXX, XXXX, we signed all of the Escrow papers to complete the loan, only to receive a call from our processor two days later that the Title Company had the wrong description of our property. It should have been listed as a " manufactured '' home, but Ditech had it listed as a " Single Family Home. '' We were told that an appraisal had to be done. This was completed on XXXX XXXX, XXXX. Not until the beginning of XXXX, did we learn that a whole new loan had to be drawn up as a 30 year fixed, with higher interest rates and higher monthly payments because the description of the home was officially changed to " manufactured '' home. I finally received a call XXXX XXXX saying that XXXX XXXX approved us for the loan, but that we can not close in XXXX because the Appraiser wrote the information on the wrong form!! He had to re-write the appraisal. He would not do this until we provided documentation from the XXXX XXXX XXXX Building department that the home was " manufactured. '' These were emailed to Ditech on XXXX XXXX, XXXX. To increase the injury, our variable loan rate increase, currently held with Ditech, kicked in as of the XXXX payment. So instead of our normal payment of {$2300.00}, we have to pay {$2400.00} every month that this process drags on. An increase of {$86.00} per month! We should be paying over {$400.00} less with the refinance! This additional financial burden should never have happened. We were told that the loan would close within 30 days after the Subordination was completed. Even with the title mistake, discovered at the end of XXXX, it should not have taken more than 60 days to complete this loan- double the time we were originally assured! It is now over 120 days ... with no end in sight. Lastly, the XXXX mortgage payment was considered late because their was confusion about the account number I provided being from a checking or savings account. Either way, it was from the same bank! The money was in my account. Because of a Ditech System issue, the account showed as non-existent. I followed up with a customer service representative in Ditech 's billing department. She resubmitted a correction request on or about XXXX XXXX, XXXX. I was informed on XXXX XXXX, XXXX that the XXXX payment now shows as " current, no correction needed. '' It is now XXXX XXXX, XXXX and the loan office shows our loan as, " cancelled. '' This whole process has been a nightmare for us. The title description of our property was the same in XXXX ( when we applied for the loan ) as it was on XXXX XXXX, XXXX ( when we closed. ) It is not our fault that Ditech personnel, the Escrow company and/or the Title company missed this. Yet we are the ones paying the price with higher interest rates/monthly payments, and now, possibly cancellation of the loan refinance all together! The XXXX payment should not have ever been an issue, because we should have closed in XXXX.
08/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 195XX	Web
My mortgage account was transferred to Ditech last year. Back in XXXX XXXX I received a shortage adjustment notification on my escrow, and was told I would need to pay {$210.00}, which needed to be paid by XXXX/XXXX/XXXX if I wanted to keep my payments the same. I made the payment, but it was accidentally charged to a different account. I contacted Ditech on three separate occasions to get it fixed. During that time, I received numerous phone calls and mailings about owing money, and they put most of each months payments in unapplied funds, stating that I was paying the full amount I owed on my payments. It was sometime in XXXX XXXX before that issue was fixed, or so I thought! The next issue I had was also in XXXX XXXX. I always make my payments on XX/XX/XXXX, but XXXX XXXX fell on a weekend, so my payment for XX/XX/XXXX was made on XXXX XXXX. Right before this payment, I was told by Ditech that my account number had changed because they were changing their computer system. Even though I had changed my account with my banking system, somehow the payment was made to my old account number. I again started receiving calls and mailings that my XXXX XXXX payment was past due. I explained to them on the phone that I made my payment and was told that since it went to the old account I would have to wait for it to be applied to my new account due to problems with their new computer system. Next I was told by mail to contact a XXXX XXXX concerning my late payment. XXXX XXXX was not available, so ended up talking to a representative named XXXX XXXX XXXX informed me that the problem was not due to the fact that my payment went to my old account, but that since I made two payments within the same month ( XX/XX/XXXX ), all of the XXXX XXXX payment went to principal, and they would have to send it to their adjustments department to be fixed. She also said that the adjustments dept was behind due to all of the problems with the new computer system, so it may take a few weeks. Although notes were supposedly made on their computer system about my account, I continued to receive harassing phone calls that I was behind on my payments. Their collections people never checked my account information before calling, and when I explained, they seemed to be bothered by having to look up the information to prove I was right! The last representative I spoke to about that issue in XX/XX/XXXX finally seemed to get it fixed on XXXX XXXX, according to my payment history online. Now, I get another mailing on XXXX/XXXX/XXXX, and phone call on Thursday, XXXX/XXXX/XXXX saying that I need to pay a difference of {$61.00} and change. I noticed again that most of my payment is now sitting in unapplied funds. I explain to their representative that I do n't owe anything, only to be told that they did n't receive my escrow payment ( the one I mentioned at the beginning of this complaint from XXXX XXXX ) in time and that was the difference I now owe them! I was angry and asked several times to speak to a manager, before I was transferred to a manager. He starts listening to my information, then hangs up on me. I did not receive a call back. I just want my account to be fixed, and the harassing phone calls and mailings to stop!
04/06/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MS 39402	Web	Older American
XX/XX/XXXX we had scheduled our mortgage payment to be auto deducted on the XXXX of the month. I was nervous and did n't want it to be late so I called in and paid the payment over the phone before the auto-deduction. I asked the girl specifically several times if the auto deduction had been cancelled as I did n't want to have the payment deducted a second time. She swore that it would not be taken out again. Good - all was good to go. But the next day, they DID AUTO DEDUCT THE PAYMENT AGAIN. It overdrew my account. I called up Ditech and they said there was n't much they could do until the payment came back in XXXX or 4 days. I could not have my account be overdrawn for 3 or 4 days so had to make a trip to the bank, get my banker to reverse the auto deduct as he could see that the payment had already been made. He did have the payment reversed, I got my money back, my account was back in the black and all was good - or so I thought until today. I am trying to get my mortgage reworked and in doing so the loan office saw that Ditech had reported us late for XX/XX/XXXX, the same month that all of this happened with Ditech double billing my account. I called Ditech again today. They said that I would have to get the evidence from my bank that the payment had been double billed and then they would " take a look at it and see if they could do anything ''. So not fair! The onus is all on me when they made the mistake AND they are counting me as being late because all they show is the the payment was returned and they are counting that as a late payment which is not true. I do n't think any of this is fair and do n't see why I am the one who has suffered all of the penalties on this mess and they are the ones who screwed it up. I do n't understand how this can be right! I hope that there is something that you can do about it. Also, we are in XXXX County, XXXX where a major natural disaster came through a couple of months ago in the form of terrible, devastating tornadoes. Our home did not suffer a lot of damage - some but not enough - but we own our own business and work here in the same area. The tornado caused a lot of businesses to have to shut down due to damage which has impacted our ability to make money. I called up Ditech again and explained the situation and told that during Hurricane XXXX when our county was declared a disaster area ( as it has been now ) we were given a couple of months reprieve to get things back up and running. Ditech said they could take the late payment for XX/XX/XXXX, the one I was worried about, and spread it over 6 months. That sounded like an okay solution. ( The only other solution they offered took 30 days to even get started! ) I said I thought that would work. Now I have found out that for every month we spread this one payment over - up to 6 months- we will be considered late. So that could be another 6 months of late fees and late payments reported on our credit report. I ca n't believe that this is all they can do when a tornado causes damage - that is an act of God and there is nothing we could do about it! I would like to have a solution given that does not make us look again, like we are just not paying our mortgage. Ditech Financial XXXX!!!!!!!!!
11/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 11757	Web
Our original mortgage was with XXXX XXXX XXXX but since XX/XX/XXXX the mtg co has changed from XXXX XXXX XXXX to GreenTree ( XX/XX/XXXX ) and GreenTree to Ditech ( XX/XX/XXXX ). During my mortgage with XXXX ( originating in XX/XX/XXXX ), there were was a successful loan modification ( XX/XX/XXXX/XX/XX/XXXX ) and an additional time when we fell behind two months ( XX/XX/XXXX ), but all was repaid ( I worked with a XXXX customer relations manager ) and the mortgage remained current until the XX/XX/XXXX where we intermittently missed 2 months again. I had contacted XXXX on a repayment again but was then notified by GreenTree at the end of XX/XX/XXXX that they were now servicing the mortgage. The XXXX XXXX payment was made at a XXXX branch location, but GreenTree claimed to not have received the payment. My experience with GreenTree from XX/XX/XXXX to XX/XX/XXXX was very difficult. I had faxed proof of the XX/XX/XXXX payment to GreenTree on XX/XX/XXXX. Conversation with the service reps was not helpful ( my account manager was very rude and said that I could not speak to anyone but her ). I explained the hardships that were occurring but they did not offer a viable solution such as a re payment plan, or information on a loan modification. I was also never notified by Ditech whether the XX/XX/XXXX payment to XXXX was credited to my loan. During all of this time I consistently sent my full monthly payments EVERY month via Overnight Express Mail with USPS. I have all of the receipts for all payments sent. On XXXX/XXXX/XXXX I received a notification from Ditech that they were now servicing my mortgage, I was given a representative for my account. I began calling the number and relevant extension but never received a call back. I have left my cell number every time. I sent the XX/XX/XXXX payment via Overnight Express Mail as usual. I noticed that the check never cleared my account. I called the same phone number for my representative and it went straight to voicemail again but now it was another representative 's name. On XXXX/XXXX/XXXX I received a letter dated XX/XX/XXXX from Ditech that they were returning my check and that the full amount of the debt is due. With yet another person to contact. I have left XXXX to XXXX messages on the voicemail for this representative with my cell phone number and have never received a call back. I want to stay in my home and I have been making payments all along. I am willing to either make a re payment plan for the 3 months owed or go through a loan modification. If anyone takes the time to review my loan history it will absolutely prove that I have successfully gone though a loan modification as well as a repayment. Another point is that we were severely affected by Hurricane XXXX XX/XX/XXXX and XXXX was holding back XXXX dollars that remained on the flood insurance claim. Apparently Ditech has this money since I have received a separate letter asking for some additional information on repairs done to the home relevant to the claim. I have been approved for a Federal Grant through XXXX but I need to resolve this mortgage issue since it is putting the XXXX grant in jeopardy. At this point I do not know how to get a response from Ditech ...
04/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 357XX	Web
For over 2 years I have tried different ways to refinance my home, but I can not get Greentree Services to report my payments to the credit bureaus. Greentree has told me repeatedly that they only report to the bureaus IF the bureaus request the information from them, and that I should open a dispute with the credit bureaus that I have inaccurate info on my report and state that my mortgage is n't on the report. The last person at Greentree said they often have a conference call set up in which the account info is relayed to the credit bureau. In turn I have tried repeatedly to open a dispute and have XXXX request my payment history from Greentree. XXXX has stated and shown me that they do not request that sort of information or solicit account information from creditors and that I can not open a dispute on an account that does n't exist on my report. I have just gotten off the phone with XXXX this morning and filing this complaint is what they suggested I do. I have 11 years of excellent payments starting in XXXX XXXX and have paid extra on many of them. My original mortgage of 85k is down to 34k and I am trapped in a high interest loan of 7.99 % and really need to refinance our home. My circumstances have changed drastically since building this home. Since XXXX I have been XXXX and my income was cut in half. My wife and I divorced in XXXX and I have physical and legal custody of our boys, XXXX and XXXX. I have talked with Greentree about the changes since I XXXX took out the mortgage, but they do not refinance and I really feel like they want me kept in this mortgage and this rate, or what 's worse do n't care if I eventually lose the house altogether. I ca n't think of another reason for the deception in trying to put the responsibility on credit bureaus to solicit your info. I have tried other conventional ways to refinance and no one will consider it without seeing my mortgage on a credit report, even though I have laid down a copy of every payment made and the extra on principle for them to see. The extra on principle with Greentree may be a problem also as I saw a statement in my payment record I received in XXXX of how much you are paying toward principle on each payment. I 've never seen it before and not sure how to see how they 've been doing it and if it 's correct or legal. This may have been too long to say that Greentree has been giving me the runaround about getting my info to the credit bureaus because they do n't want you to refinance your home and do n't care if I lose it because I 've paid so much on it that they can foreclose and sell it without any problems. I realize that by law they do n't have to report to the credit bureaus, but they should if it 's requested. I know it costs them some money to do so and I am willing to pay a fee for them to as I need to refinance my home, but putting the blame and constantly pushing their customers to keep calling the credit bureaus when there is no basis for it is just unprofessional and really deceptive. I would n't recommend doing business with them at all. In the options for the mortgage process that this relates to I chose what I thought was closest. I hope someone will help me if there is a better choice or category.
01/17/2018	No	Mortgage Conventional home mortgage	Trouble during payment process	GA 30101	Web
Ditech 's communication practices to their customers are disconnected and unjust. On XXXXXX/XX/XXXX, I received correspondence from Ditech, my mortgage lender. The envelope was post marked XXXXXX/XX/XXXX and the letter was dated XXXXXX/XX/XXXX. The correspondence stated it was my 2nd and final notice to obtain flood insurance on my property. This was the first correspondence I had ever received. I contacted the company immediately the night of XX/XX/XXXX and spoke to a representative who informed me that the first correspondence went out on XXXX. I never received this correspondence. The representative then informed me that I had until XX/XX/XXXX to get flood insurance or according to their policy they would be buying the insurance for me and charging me for it. When this representative could not provide me with information or options I asked to speak to a supervisor. XXXX, a company representative, is who I was transferred to. I explained the situation to her and asked what my options were. She stated I had 3 business days to get insurance purchased on my property and that there were no extensions allowed. Neither representative could explain why I had n't received the XXXX correspondence nor could they explain why it took from XXXX to XXXX to get the 2nd correspondence. XXXX then stated they " assume '' the customer gets the correspondence when they have n't heard back from the customer. XXXX then put me on hold to check with another department, she stated. She never returned to the line and in fact, stuck me into the automated system where I was told the current wait time was 20 minutes. I immediately called the company back and asked again to speak to a supervisor. I was connected with another employee who graciously provided her name and employee ID and promised she would help me. I once again explained the situation and once again she had no options for me or explanations as to why the disconnect in communication from this company to its customers. She offered to transfer me to the flood determinations department but they were no longer open for the evening. She offered to file a complaint for me to the CFPB to which I authorized her to do as a result of the communication disconnect. She encouraged me to spend the next 3 days obtaining flood insurance quotes. As the call ended, I was left with the impression that I had 3 business days to get insurance or the company would put a policy in place and I would be charged. I found out the next morning that there is a 30 day waiting period for flood insurance anyway and it is not something you can get immediately. This confirmed that I had no recourse in this matter at the present moment. Ditech has not provided me with any information as to what may have changed about my property that it would all of the sudden require flood insurance. Where did they get this information from? Are there documents to prove this claim? Where are my copies of these documents? I have many more questions and no one from Ditech was able to answer my questions. They could n't even answer why the correspondence they sent out took 8 days to arrive. I am not including a copy of the letter they sent me as they can view this in their own system.
01/02/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32092	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL XXXX HOME XXXX E-MAIL XXXX To Whom it may Concern We are having difficulty getting funds form our mortgage company that our insurance company paid to us for damages to our home from hurricane Irma we have to this point sent them XXXX roughly and we have been sent XXXX to start the repairs which is there set amount to start the project.this does not meet our needs for the project to start. this process took almost a month. Every document I sent them including the checks were questioned in one way or another they have so many rules and policies set in place it is impossible to collect your money in a timely fashion and repair the damage to our home. I did not receive enough money to repair the home to our standards with contractors, so I will be doing the repairs myself which I am fully experienced to do .And I have explained to them many times that first and foremost we have no heat or a/c in the home and we are currently seeing temps in the 40s and that putting the roof on is done in a sequence with all the needed materials here at one time, we had damage to our siding and soffits and the fascia material it all needs to be replaced to do the repairs so they will last.We are now experiencing ants and other pests in a home were we never had this problem along with mold and mildew in windows and closed areas from the lack of ventalation.They are basicly saying they dont want me to spend the money on something else such as a sofa or new carpets, this is not possible as first off they make the checks payable to the various suppliers and want an inspection when the repairs are complete as does our insurance company.the lender in question is below DITECH FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX OUR ACCT NUMBER IS XXXX Time line for the current issue XX/XX/XXXX overnighted 2 checks signed over to ditech XX/XX/XXXX ditech stated endorsement from other lender on check was no good had to prove who signed it even thought it was stamped by the lender when they signed itXX/XX/XXXX sent a check for XXXX to start work 30 % XX/XX/XXXX I requested info on checks and they said my estimates were all wrong and needed work such as store copy of the estimate e-mailed quotes would not work for them and had to have some ones name on it from the supplier they tell you different rules every time you ask for something XX/XX/XXXX sent in store copies with peoples names and contact info 4 total had to take time off from work to get them. XX/XX/XXXX I called and asked if there was any updates person on phone was rude and told me I needed to give them progress reports I then advised one more time that I had no heat and cold weather was coming to us and was told that it was being processed and could take 10-15 days to process I have not heard from them since and have sent several e-mails trying to explain our issues.each e-mail say it takes 3-5 days to respond??? I feel like I am getting no were with them and dont want this to drag out for no reason much less the risk of our safety/health and further damage to our home from not have proper roofing or siding in place. We are in real need of our HVAC system being replaced. Thank you XXXX XXXX
02/10/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	TX 78041	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX. XXXX Email : XXXXXXXXXXXX Dear Gentlemen, In XXXX I became interested in purchasing a mobile home. My plans were to set up the home on a XXXX acre spread I owned on XXXX XXXX, in XXXX XXXX. I met with a representative from a XXXX XXXX Texas based company that had a branch in XXXX located on the XXXX XXXX. However the units I did not like the units they had in XXXX. The representative said other units were available in XXXX XXXX. In a week he provided pictures of a mobile home, XXXX-bedroom that I became interested in. In the meantime I had set up a visit from a State of Texas environment representative to provide specifics to set up a septic tank on the XXXX XXXX property. I met with the mobile home representative, I agreed on the purchase of the XXXX-bed room unit based on the pictures. He wrote out a contract and I provided XXXX checks for a total of {$2000.00} as a down payment. A few days later, the state environment representative provided a report indicating that it would cost more than {$10000.00} to set up the septic tank that met state requirements. I forward a certified letter to the XXXX XXXX XXXX XXXX explaining that I could not purchase the unit at the time since I needed to set up a septic tank first. I also cancelled the down payment checks. The representative called me offered several options in order to complete the sale. I explained that would purchase a unit later on once the land improvements had been completed. After that no additional discussions followed. It was not until some seven months later that I received an early morning telephone call letting me know that my mobile home payment was late. I explained that I did not own such a mobile home, never received and had cancelled the purchase. Some ten years later, I received another telephone call from a woman in XXXX XXXX telling me that she had purchased mobile home but that the seller would not provide her with a title. She had made dozens of requests for the title but was not getting any answers. She told me she got my telephone numbers from sale records on the unit. In XXXX after receiving a request for payment of {$22000.00} I called Green Tree Servicing LLC, requesting that they check their records because I never purchase such a mobile home. The person ( male ) said that I need to come up with the money and that was final. I have made several other attempts asking for Green Tree to stop using my ID and to clear the account from my credit report and straighten their records. However it has been unsuccessful. I filed a complaint with Office of Consumer Credit Commissioner in XXXX XXXX, XXXX, spoke with XXXX XXXX. They responded that perhaps it was best if I hired an attorney to look at the matter. It appeared as if the agency did not have jurisdiction over the matter. XXXX provided some documentation from Green Tree claiming that I had actually made payments to them. This is absolutely incorrect. I have not been able to locate such documentation. I 'm in the process of contacting XXXX XXXX to see if they can provide copies. My account number with Green Tree is # XXXX. Thank you for your attention on this matter. XXXX XXXX XXXX/XXXX/XXXX
04/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 850XX	Web
Ditech has chosen to exercise their option of taking payments that are under/above the statement amount and placing them in an Unapplied Funds or Suspense Account. This triggers the 30-day late report to the creditors. The domino effect is ignited and the customer has trouble keeping their payments current and it snowballs into a Servicer Manufactured Default. I am disputing the following late payments for this reason. Disputing Late Payment of XX/XX/XXXX : Payment received by Ditech on XX/XX/XXXX see attached statement. The payment should have been {$1800.00}, they received {$1800.00}. Instead of applying the payment, they exercised their option of Unapplied Funds. Disputing Late Payment of XX/XX/XXXX : Payment received by Ditech on XX/XX/XXXX see attached statement. The payment should have been {$1800.00}, they received {$1800.00}. Instead of applying the payment, they exercised their option of Unapplied Funds. Disputing Late Payment of XX/XX/XXXX : Payment received by Ditech on XX/XX/XXXX see attached statement. The payment should have been {$1800.00}, they received {$1900.00} Instead of applying the payment, they exercised their option of Unapplied Funds. Disputing Late Payment of XX/XX/XXXX : Payment received, {$1800.00} by Ditech on XX/XX/XXXX. No Statement available on their online portal, see attached bank records. In addition, a second payment was sent on XX/XX/XXXX for {$2100.00}, amount on statement {$2000.00}. Disputing XX/XX/XXXX, not 60 day payment of {$2000.00} was received by Ditech on XXXX, see attached payment history. In addition, on my XX/XX/XXXX Statement Date, it says that no principal was paid in XX/XX/XXXX, but interest totaling {$17000.00} was received and paid. While the customer is always trying to catch up and Ditech seems to be in the business of Escrow Abuse and using the Unapplied Funds option to create a Servicer Manufactured Default. It is apparent that I am in this vicious cycle with this company. I can never get ahead as they exercise their option, a loophole to harm hard working paying individuals. This home was purchased in XX/XX/XXXX, it was refinanced in XX/XX/XXXX with XXXX XXXX who sold the loan to GreenTree, now Ditech, and it has been a challenge to keep up with their pernicious practice of placing the entire monthly payment in a suspense account when only the escrow account is short. This home is our only family asset after losing all savings and retirement in XX/XX/XXXX. My intent is to keep, maintain and repair my home and am trying to refinance to accomplish that necessity while rebooting our finances. We are self-employed and our business generates the funds to afford our home. Income does ebb and flow, which has also caused me to be late on occasion, it is not by choice and certainly my intent is to get ahead of the payment, not be in arrears. In addition, the Escrow Analysis has been sent annually in XX/XX/XXXX, and suddenly, a second one came in XX/XX/XXXX, just three months later with an increase that mathematically did not add up. I have disputed this directly with Ditech. This company is unethical and all I want is my credit repaired in order to refinance with a new, reputable mortgage company.
06/28/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	GA 30281	Web	Servicemember
Our complaints are : 1. Mortgages being sold or transferred without the approval of the homeowner. 2. The way that additional principal mortgage payments are applied. 3. Mortgage payments are not being applied in a timely manner when received there by causing additional interest charges to the homeowner. Our VA mortgage has been sold or transferred to the following service providers since XXXX without our approval and with dissatisfying levels of service from each : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and as of the date of this complaint Ditech. We believe additional charges and fees are being tacked onto our mortgage each time those transfers are made. We would like you to stop mortgages from being transferred without the homeowners approval. We believe our mortgage was transferred from XXXX because of XXXX late payment which was caused by XXXX changing it 's payment address to Ditech 's address without notice to us. We were charged late fees and additional interest that was not refunded. Our mortgage was transferred as an risky investment despite the fact that we had not missed a payment for the 6 years we made payments to XXXX. As of XXXX XXXX, XXXX our mortgage was transferred from XXXX XXXX XXXX to Ditech. The payment made to XXXX went to the wrong address ( which was provided by RCS ) and was finally forwarded to Ditech. After receiving our 1st statement from Ditech dated XXXX/XXXX/XXXX, the unfamiliar statement showed a balance of {$11.00} labeled Unapplied Funds Balance which we did not understand. When we called Ditech to find out, we were told that the additional principal that was mailed with the payment is not automatically applied to the balance and that the homeowner must call in each time to request that it be applied to the balance. THIS IS OUTRAGEOUS!!! and it is not the way the past service providers operated. Additionally, any partial payment is also being held in a separate unapplied funds acct. until the full minimum payment is received, all while the loan continues to accrue interests. XXXX OF THESE INSTANCES IS ROBBERY AND WE WANT IT TO STOP IMMEDIATELY. Ditech will need to revise it 's billing statements to show " unapplied funds balance '' relabeled to " additional principal payment '' and clearly show how the additional principal reduces the outstanding balance. Additionally, our mortgage is in my wife 's name only and my wife faxed over authorizations to each of the past mortgage service providers allowing the husband to discuss all information about the mortgage, however when it was transferred to Ditech, they said a new form would have to be faxed to them before the husband can discuss the mortgage. We feel this authorization should have also been forwarded when the mortgage was transferred unless revoked by the wife. Finally we would like to have the mortgage returned and serviced by XXXX ( because their statements were the easiest to understand ) for the remaining life of the loan. All of these transfers causes the homeowner undue stress and aggravation by having to change banking payment information and being subjected to new and varying rules that XXXX money from the homeowner without their understanding or knowledge.
09/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 296XX	Web
I entered into an agreement with Green Tree for loan modification due to a divorce, loss of job and other financial down falls to which put me hardship and needing such help to avoid foreclosure. This home where myself and XXXX daughters live and have since purchased new and financed since XX/XX/XXXX. A XXXX XXXX with Green Tree over the phone took payment which cleared the account on XX/XX/XXXX in the full amount of {$3400.00} to bring the account up in full and with legal fees to be weaved or deferred to the end of the loan, then on XX/XX/XXXX I was attempting to log in and set up the next payment that would come due on XXXX I could not log in and called back XXXX XXXX that I had previously talked with as the account manager and was told the company was now DiTech financial and that the payment would be returned to the account and that Ditech would not honor the agreement previously made due to new policies changes since the takeover on XX/XX/XXXX. I did have someone else on the line with me and Green Tree when this arrangement was made and all recorders of the money being acceded, bank records of the money taken from the account and confirmation records of all the transactions and now Ditech will not accept the agreement made and stated the money will be returned into the account and if {$3400.00} plus {$1000.00} legal and late fees are not paid in full by XX/XX/XXXX the house will be foreclosed. This allowed me only one week to come up with all the total and legal fees of over {$4500.00}, today is XX/XX/XXXX and the {$3400.00} has not been returned in the account and DiTech is still stating that it will be returned but the {$4500.00} must be paid today. After calling and talking with XXXX different people on XX/XX/XXXX ( remaining on the phone for over XXXX minutes hold with the new account manager, passed to a manager on hold for XXXX minutes then hung up on ) after XXXX different phone calls and no one will give us an answer about where the money is or when it will be back in the account. We talked with a XXXX XXXX that then stated I owned {$3400.00}, we informed him of the amount we had already paid {$3400.00} and he stated that he would have to talk with his manager and then stated after that DiTech would not except the amount paid and the money would be returned. We told XXXX XXXX that we would be filing a complaint with the CFPB and FTC about this matter and he informed us that they would do the complaint not us. I have no knowledge of the company DiTech or that they had taken over Green Tree but I do know that mortgages transferred to DiTech from Green Tree with previous foreclosure relief plans are not being maintained, DiTech has failed to honor loan modifications that I had entered into with Green Tree prior to the takeover. I know it 's against the law for a loan servicer to lie about debts people owe, honor in-process modifications and demand payments before providing loss mitigation options and should be held responsible for mistreating homeowners including people in financial distress. I will contact a lawyer and file complaints with Securities and Exchange Commission, Federal Trade Commission and the Consumer Financial Protection Bureau.
07/06/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	OH 458XX	Web
Our loan was sold to Ditech after a bankruptcy. We have recovered nicely from that, except for the issue with Ditech. They are a predatory lending co! The bad reviews and complaints are so numerous its is n't possible to read them all!! It all starts with the reaffirmation ( XXXX 2016 ) of our mortgage after bankruptcy, they did a loan. ( We should have cut our losses and run away!! ) Just 1 month after signing and have new documents notarized, they changed our monthly payment. We simply asked for new paperwork to be sent to us reflecting the change in the requested monthly amount. They refused. We continued to make our payment of {$570.00} until the 1st year was up and they notified us that our escrow had changed and our new payment was {$560.00}. We have made every monthly payment since our bankruptcy never missing one! Somewhere in their infident wisdom, they have screwed our account up. They are telling us we are 66 days past due and owe {$1700.00}. Not possible when we have NEVER missed a payment. Our bank can prove this as well. XXXX XXXX is the owner of our loan, they too can see all payments have been made. We have asked them to look into this and faxed what we can. Today I called to make our XX/XX/XXXX payment, the automated system sent me to a voicemail that was not accepting messages, it was the bankruptcy dept., not sure why? It was closed almost 2 years ago. So I had to work myself through their stupid system until I got a person. She refused my payment, but would not tell me why or tell me how much needed paid. My husband has given verbal and written permission to speak with me on multiple occasions. They are never able to find anything we send them. I asked for a supervisor, she refused. I had to call back and speak to another rep who put me through. She in turn said again I needed bankruptcy dept, I tried asking why, she ignored me and transferred me to yet another voicemail NOT accepting messages because it is full. What reputable company has multiple full voicemails??? One that has NO INTENT on calling anyone back!! I tried to make a payment online, it will not allow us to, apparently that function has been blocked as well. Although I 've been told by several of their service reps we can do that. We have no explanation as to why payment is being refused, I was told by XXXX XXXX that they ca n't refuse our payment. We are not in bankruptcy or foreclosure, so there is no excuse. We believe their intent is to cause us to somehow fall behind and then try to foreclose. We will NOT allow that to happen, I will fight them and file complaints with every entity I can find, I have filed with the BBB and our Ohio State Attorney General 's office is next. We will continue to push XXXX XXXX to relocate our loan with another company as well. The only solution I see is a change in mortgage companies as Ditech is by far the worst I have come across when doing research on this matter. They have done this to others as well, and I hope that some government agency will step in and help us fight them!! I want them to provide us with a statement of all payments and explain to us how they THINK we are behind, because like I said we can prove otherwise.
09/26/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 193XX	Web
Long story short, our mortgage company was bought out by another company XX/XX/XXXX. ( Ditech bought out Green Tree Lending XXXX We were notified that our payment would increase in XX/XX/XXXX for the next 12 months, and were sent the schedule and breakdown. I called them in XXXX, XXXX to discuss the new breakdown, and was told yes according to your loan, this will be new payment beginning XX/XX/XXXX. I called because I had not received a statement for XX/XX/XXXX, and needed to know the amount, as the letter stated it was estimate. I spoke to a representative that told me to make our regular payment for XX/XX/XXXX, because according to her records, our rate did not increase until XX/XX/XXXX, so this is what I did. I even paid extra towards principle. Then we received a another letter, an annual escrow account disclosure statement, that stated our new payment beginning XX/XX/XXXX. Note this new payment was completely different ( and higher ) than the previous letter stated. So, I called again, and was told again, make your regular payment and pay the new, new rate starting XX/XX/XXXX. So I did. On XXXX, I received a letter saying my mortgage was past due in the amount of {$28.00}. So, I called again and spoke to a representative who had no idea why this {$28.00} past due was. They clearly saw that we made our XX/XX/XXXX payment, ( and {$20.00} ) more to principle. He apologized, removed all late fees, told me to just pay the {$28.00} and he would get it straightened out. So I did. It was n't until I tried to apply for a student loan with my oldest son that I found out the mortgage company reported us to all XXXX credit agencies as missing a payment in XX/XX/XXXX. We did not miss a payment. We have never missed a payment in all of our 22 years being homeowners. After months, and months of phone calls and letters, they basically say, yes, you paid in XX/XX/XXXX, but we put your money in a " holding account '' ( without my permission or knowledge ) because you were short {$28.00}. And then when you made your next payment in XX/XX/XXXX, we released the money in the holding account along with your XX/XX/XXXX payment, and it posted to your account. What??? You held my XX/XX/XXXX payment in custody, instead of posting to our account for a whole month???? Then reported us as not paying??? Yes, this is what they did, No matter how many letters I send, and phone calls saying I paid exactly what I was told, I still do not know why my payment changed by {$28.00} for XX/XX/XXXX only, and then changed again to a new rate that started in XX/XX/XXXX for the next 12 months. It makes no sense at all. All I asked was to please remove the negative marker with the credit agencies. They are still flat out refusing, saying they did what they are required to do by law and according to their policies. Regardless that they gave us misinformation again and again which apparently led to us not paying this {$28.00} that we did n't even know was due! It all seems so ridiculous over {$28.00}, which was promptly paid, ( once we were actually notified it even existed ) yet my credit, and my kids future potential for college is now being threatened over this whole debacle.
02/26/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IA 511XX	Web
I should be at the end of a Chapter XXXX bankruptcy but DiTech is preventing my timely closing. DiTech sent the Bankruptcy Court an amount due and owing of {$29000.00} on my delinquent mortgage account. They have received payments from me in the amount of {$500.00} since the filing of the bankruptcy, approximately since XXXX, XXXX. The bankruptcy trustee has also been sending payment every month, approximately $ XXXX since XXXX, XXXX. The trustee began sending my monthly payments to another lender in error beginning in XXXX, XXXX but I continued to send my payment of {$500.00} every month. I brought the oversight to the trustee 's attention and she was able to recoup the payments made in error. When she received the misappropriated funds, she sent a check to DiTech and I received verbal confirmation from DiTech 's bankruptcy department that they had received that check, {$9200.00}, on XXXX XXXX, XXXX and unpaid principal was {$5800.00}. Prior to the check being sent, I contacted DiTech 's bankruptcy department regarding a payoff balance. This balance was faxed to my attorney, dated XXXX XXXX, XXXX in the amount of {$8800.00}. The fax contained a breakdown of where the funds would be applied listing outstanding principal balance of {$5800.00}, the same principal balance I was quoted. This payoff was good through XX/XX/XXXX.Since they had received more than the amount requested, I anticipated a letter from DiTech to my attorney stated the loan had been satisfied. I called the week of XXXX XXXX, XXXX to find that the check sent by the trustee had not yet been applied to my account and I was quoted my unpaid principal was now over {$10000.00}! No one could explain why my principal balance had almost doubled and was told to give the company until XXXX XXXX, XXXX to rectify the situation and call back then. I did n't wait until XXXX XXXX but called on XXXX XXXX, XXXX. This time I was told my unpaid principal balance was {$7000.00} with no explanation. I spent over 20 minutes on the phone with the first representative who kept placing me on hold so she could " look things up '' and " speak to her supervisor. '' As I was on my lunch break, I had to terminate the phone call. I called back later and spoke with XXXX, someone who was FINALLY able to give me some answers. XXXX stated the {$9200.00} had been applied to my account but DiTech did an audit of my account and " adjustments '' were made. She ordered a payment history upon my request and had it faxed to my attorney. She also filed a " verbal dispute. '' According to my calculations, I have sent DiTech over {$41000.00}. Now I realize some of the payments were applied to interest, taxes ( approximately $ XXXX ) and home insurance ( which covers the principal balance only and costs approximately $ XXXX ). The mortgage interest statement I received for XXXX states {$13000.00} in box XXXX ( outstanding mortgage principal ). Something is NOT adding up. They received {$580.00} monthly from the bankruptcy trustee through XXXX, XXXX ( total of {$2900.00} ) AND XXXX monthly from me ( total of {$6000.00} ). Reported interest paid for XXXX is {$1300.00}. The numbers do not add up for me to owe OVER {$7000.00}!
06/29/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MN 553XX	Web
A copy of the body of the letter sent to Ditech on XX/XX/XXXX is attached : On XX/XX/XXXX I applied for a loan modification, but after calling Ditech for clarification on additional information that was being requested, I was subsequently told by the service representative that actually, I was not eligible for a modification at this time. Per the representatives suggestion, I formally rescinded my request, waited till the start of the new month, then called back to set up a temporary Repayment Plan. That call was made on Monday, XX/XX/XXXX, and after speaking to another agent, my request was approved. Formal notice of that approval was sent out on XX/XX/XXXX and I called Ditech and accepted the offer prior to XX/XX/XXXX, as stipulated by the instructions in the preceding notice. At that time, I asked the agent ( XXXX ) if it would be acceptable for me to make my payments by the XXXX of the month XXXX XXXX offered for normal payments. I was placed on hold while XXXX spoke with a supervisor, and when he returned, I was told that yes, it would be fine if I made my payment after the XXXX of the month, as long as it was no later than the XXXX. On Friday XX/XX/XXXX, I called and made my first installment payment for {$2600.00}. The fee was waived, and I was all set for the month of XXXX. The confirmation number for that payment is # XXXX. Then, on XX/XX/XXXX, a notice went out stating that I was in default on the loan, and in order to cure the default, a total of {$9800.00} must be submitted by XX/XX/XXXX. As you can imagine, this comes as a shock and surprise given the fact that during the XX/XX/XXXX and XX/XX/XXXX phone conversations, it was explained to me that as long as I continued making my installment payments each month, no further collection activity would be pursued. I would also like to point out that during the execution of a previous Loan Modification, I was given permission to send in my payments by the XXXX of each month, and I did this for the duration of the trial without having further collection activity directed towards me. Even after rescinding my original Loan Modification request, I continued to receive notices regarding an application which had already been cancelled. The first letter was another request for information. The second was a formal denial of the request ( which again, had already been rescinded ) because the requested information had not been received. All of this occurred, after the Repayment Plan had been established and approved, so I didnt think much about the extraneous communication just chalked it up to back office processing that was out of sync but this most recent notice of default is obviously more serious, which is why I am requesting that your records and subsequent correspondence be corrected and brought up to date. Based on the representations made to me, and the good faith effort I demonstrated in complying with the terms of the Repayment Plan, I would like a correction made in writing that I AM NOT IN DEFAULT on my mortgage loan, and that the plan I agreed to prior to XX/XX/XXXX will continue as prescribed over the next five months until the total past due balance has been paid in full.
04/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 801XX	Web
I paid my Ditech mortgage payment online on XXXX XXXX, 2016 and it was deducted from my checking account. On XXXX XXXX, Ditech deducted another payment from my checking account. When I contacted them I initially told Ditech upgraded its computer system and it automatically duplicated any payments that were made XX/XX/XXXX-XX/XX/XXXX, but they had fixed it so the second payment would n't be debited from my account. I told her it was being deducted and she asked if I she could call me back in 10 - 15 minutes. After XXXX minutes I called back. This time I was hung up on. The third time I called back I spoke to someone who told me the duplicated payments were being deducted and there was no way to reverse it. I asked how I could have that payment credited back immediately, as I needed that money, and was told I needed to speak to a supervisor. I was transferred to XXXX, who was horrible. He told me they had no intention of crediting borrowers back unless they specifically asked for it. I said, " so, let me make sure I understand. I authorized one online payment for XXXX, Ditech updated its computer systems and duplicated my payment, and I have to call and ask you to refund the duplicate payment? '' XXXX said yes and laughed. I told him he was acting extremely cavalier and unsympathetic considering the company worked was causing financial issues for XXXX its customers ; not letting the customers know and then not crediting the affected customers. He said he did n't mean be cavalier and " did I want the second payment credited back? '' I told him yes, I did. He then told me it would take XXXX business days for me to receive the credit. THREE TO FIVE BUSINESS DAYS TO FIX THEIR MISTAKE!! Ironically, I was told Ditech knew about the issue on XX/XX/XXXX. To date, I have not received anything from Ditech about this issue. At XXXX, I received a message from the first person I spoke with asking me to please call her back as she had a resolution to my problem. When I called, a different person told me the duplicate payment was coming out of my account and she would transfer me to a supervisor who could credit it back. I told this new person I had already done that. She put me on hold and then came back and verified the credit was being processed and it wold take 3 - 5 days to process it. Well, today is 4 business days later and I called to follow up on the credit as I have n't seen it yet. Today I was told that it was in the process of being credited ; however, due to the number of credits Ditech was processing, it would take a little longer. When I asked how long it would take, I was told I wo n't see the refund until the end of next week. Two weeks from the time my initial request was put in and at least 17 days after Ditech knew there was a problem. This is totally unacceptable. When I took out the mortgage I told the broker I did not want my mortgage sold to Green Tree ( now Ditech ). I was told she could n't control it ; however they did't like to do business with Green Tree due to their horrible reputation. 20 days later, I was a Green Tree/Ditech customer. I hoped with the change in name their reputation would improve ; however, obviously, I was wrong.
09/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 990XX	Web	Older American, Servicemember
WE TOOK OUT A LOAN WITH GREENTREE ON OUR MANUFACTURED HOME AND LAND FOR DEBTS AND MEDICAL BIILLS.WHILE DOING THE PAPER WORK, SIGNING AND FINISHING THE LOAN I GOT A CALL MY GRANDSON WHO WAS XXXX WAS BEING RUSHED TO THE HOSPITAL XXXX..I OF COURSE HAD TO LEAVE..THEY SAID JUST SIGN THE PAPERS AND WE WILL FINISH THIS UP FOR YOU..SO FOOLISHLY I DID. WE WENT FROM A 6 % XXXX PAAYMENT TO A {$1500.00} 10.96 % MORTGAGE..BUT WE WERE IN TROUBLE. WELL GREENTREE DID NOT PAY OFF THE BILLS AS WE HAD AGREED.THEY MADE PAYMENTS ON THEM AND PAID OFF XXXX NOW WE HAD ALL THE REFGULAR PAYMENTS THAT SHOULD HAVE BEEN GONE AND A NEW EXPENSIVE MORGAGE.WE COULD NOT PAY SO THEY RAN US A {$10000.00} LATE FEE BILL WITH INTREST WHICH IS HANGING OVER OUR HEADS SO IN THE 6 TIMES WE HAVE TRIED TO REFI THIS PLACE THE NEW BANK GETSA A FAULTS PASS OFF.LIKE LAST YR THEY SAID PAY OFF WAAS {$140.00}, XXXX EVERYTHING WAS DONE WE PAID FOR APPRASIAL AND A BUNCH OF FEES AGAIN ... THEN THEYTOSSED OUT THIS {$10000.00} ADD ON SO WE COULD NOT GET ACCEPTED FOR A REFI. NO MATTER WHAT WE DO OUR BALANCE THERE GOES BK TO THE ORIGINAL {$170000.00} WE STQRTED WITH. WE PAY OVER {$17000.00} A YEAR IN INTREST ON THIS LOAN AND OUR PAY OFF FOR ALL OF IT IS STILL {$170000.00} EVERYONE WE HAVE WORKIED WITH IS SHUT OFF BY GREENTREE.WECANT GET ANYTHING DONE. ANOTHER THING WE HAVE NEVER EVER GOTTEN A COPY OF OUR SIGNED AGREEMENT OR COPY OF OUR MORTGAGE PAPERS THEY REFUSE TO SEND THEM TO US.OUR PAYMENTS ARE {$1500.00} A MONTH BUT I ALWAYS PAY EXTRA.WE WERE HOPING YOU COULD GET THEM TO SEND US A COPY OF OUR MORTGAGE PAPERS? WE ALSO TRIED TO GET OUR DUE DATE CHANGED ON THE LOAN FOR 3 YEARS ( IN THE BEGINNING ) WHEN WE COULDNT PAY AND THEY WOULDNT DO IT FINALLY SOME GUY IN AZ I GOT THE NUMBER FROM A GAL THERE AT GREENTREE CHANGED OUR DUE DATE SO WE COULD MEET THE PAYMENT EASIER BUT THEY CHARGED US FRO THE CHANG AND THE FEES AND INTREST ARE UNBELEIVABLE. WE WERE GOING TO TRY AGAIN THIS YEAR TO REFI WITH A CREDIT UNION BUT GREENTREE WILL NOT GIVE THE INFORMATION WE NEED TO THEM.THEY SAY WE OWE AN EARLY PAYOFF PENALTY OF {$10000.00} BUT ON MY PAPERWORK I GET " NOW '' SAYS NO EARLYPAYOFF PENALTY. JUST THIS HUGE LATE FEE ETC THING THEY TACKED ON.WE ARE REALLY HAVING A PROBLEM WITH THEM AND HAVE TRIED EVERY WAY POSSIBLE TO REFI AND CANT GET AWAY FROM THEM. IF WE HAD OUR ORIGINAL PAPERS PERHAPS IT WOULD HELP AND IF WE COULD GET SOMETHING SHOWING ALL OUR PAYMENTS FROM THE GET GO WE COULD GET SOME HELP HERE.I AM ENCLOSING A STATEMENT SO YOU CAN SEE THE XTRA MONEY THEY HAVE ON HERE. I KNOW YOU PROBABLLY CANT HELP US BUT IF YOU COULD GET US SENT THE PAPERS THAT WOULD BE A GREAT HELP. WE ARE OLD AND IF XXXX OF US DIES WE CANT MAKE THE PAMENT AND WILL LOSE OUR HOUSE.THEY KNOW THAT AND WE ARE SO SCARED.THE LADY I HAVE WORKED WITH THE MOST THERE NAME IS XXXX SHE IS AWESOME SHE HAS TRIED TO HELP US SO MUCH BUT SHE CANT GET US THE PAPER WORK EITHER.WE HAVE NEVER HAD THE APPRISAL FROM THE ORIGINAL LOAN OR ANY PAPERS FROM GREENTREE SINCE THE LOAN CONCEPTION. THERE IS SO MUCH MORE I COULD TELL YOU AND SO MUCH MORE MONEY THEY HAVE TAKEN FROM US BUT I KNOW YOU HAVE ALOT OF WORK TO DO WITH THEM SO I HOPE THIS CHECK ISNT THE END FOR US.
05/19/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95762	Web	Older American, Servicemember
In XXXX we received notice from XXXX XXXX XXXX County XXXX. XXXX XXXX office that we were in delinguent for payment of our property taxes for the past two collection periods. On parcel number XXXX. Billing number is XXXX for XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX, ca. XXXX. Email Address XXXXXXXXXXXX. We have an XXXX account with the XXXX that is supposed to pay the taxes. I contacted Ditech after finding out that we were deliquent and if they dont receive payment by XX/XX/XXXX we are in default and can lose the house. 1. contacted ditech on XXXX at XXXX and talked to XXXX . 2. XXXX put me with XXXX at XXXX after i explained to XXXX. XXXX told me that California first made a mistake ... then i told him that California has nothing to do wiith property taxes it is the county.. XXXX recanted his story and said XXXX XXXX made a mistake.XXXX assured me they would make the two delinquent payments by the XXXX. 3. I called the County on XXXX. they had not received payment. 4. I then called ditech on XXXX at XXXX XXXX XXXX XXXX and spoke with XXXX. She couldnt tell me anything so i demanded to speak with a supervisor. 5. XXXX gave me to XXXX at XXXX XXXX XXXX XXXX and i explained the situation she tried to explain that they hadnt made either payment but ditech agreed it was t heir fault and they agreed to pay the penalties of XXXX dollars and make both payments at once which amounts to {$1800.00}. I demanded to speak with her supervisor. 6. she put me with XXXX at XXXX. 7. XXXX assured me that the " check had been disbursed '' Overnight. He gave me the tracking number with XXXX XXXX XXXX. I said so if i ask them right now or tomorrow if the package is on the way to track it I can.. XXXX then said no the check had been sent yet. I asked why. He couldnt tell me. I asked him why they didnt make the first payment from my escrow account.. He couldnt tell me. I told him to send the check out Now.. He said they would. I said i would check back this week to make sure he did. 8. I called the county and they had not received payment to date. 9. I called ditech at XXXX at XXXX and spoke with XXXX. When i was finished asking why i shouldnt file a complaint with CFPB she said she would put me with the tax department. 10. at XXXX i was put on the phone with XXXX she said they had paid it the {$1800.00} which included the penalties they were at fault for. I told her that they had not " Paid it '' because they had not sent it ... she said they were going to send it XX/XX/XXXX. I said why dont you pay the first installment of XXXX that was due last year.. she said they would make both payments at once on the XXXX XXXX XXXX. I said i thought you said you had paid the taxes.. not will pay.. I asked them why they were keeping the money from my escrow account. They wouldnt say. I told them that i was going to file a complaint with the CFPB. And i said if they didnt send the payment out by Monday I would continue the complaint. They noted it. These people are XXXX XXXX. I am XXXX veteran. I dont need this stress in my life. we make our payments on time we expect them to make our escrow payments. They also lied to us when we were getting our house refinanced.
10/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 40503	Web
1. I requested an actuarial statement three times and have not received the form. Ditech did send another property owner 's actuarial with their private information on the actuarial account on XXXX/XXXX/16. I request to have my actuarial account information sent to me. 2. Ditech has repeatedly sent me monthly billing statements with differing amounts for my fixed mortgage account. XXXX/XXXX/16 statement stated I owed {$1000.00} for the month. XXXX/XXXX/16 the monthly bill stated I owed {$2000.00} for the month. I was told by Ditech customer service agent " XXXX '' that their billing software was updated in XXXX and they have problems with their system. Ditech has also sent monthly billing statements stating that I owed around {$800.00} for the month. Ditech needs to send me correct billing statements each month. 3. I have asked on two separate occasions XXXX/XXXX/16, and XXXX/XXXX/16 to speak to a supervisor and was told the supervisor was not able to speak and I requested a call back from the supervisor. I have not been called back by the supervisor " XXXX ''. I am requesting a call back from " XXXX ''. 4. Today I received a letter from Ditech stating that ; " this letter is from a debt collector. It is to collect a debt, and any information obtained will be used for that purpose ''. I called Ditech and was told by customer service agent " XXXX '' that Ditech took misapplied revenue from principle and reallocated to a regular payment. This made my account appear as if I did not pay the house payment. When Customer service agent was pressed to explain this problem the phone went dead. I called Ditech back and spoke with customer service agent " XXXX ''. XXXX explained that the letter was automatically generated and I should disregard the letter. I am requesting settlement of the Debt collector issue. 5. I set up automatic deductions with Ditech to be applied to my {$1000.00} mortgage on a biweekly plan in XXXX 2016. Ditech approved a biweekly payment plan of {$570.00} with the {$67.00} to be applied to principle. Ditech has repeatedly misappropriated payments. I have received monthly billing statements with late payments. The most recent late payment fee was on XXXX/XXXX/16 with late payment fee of {$29.00}. Ditech made the withdrawal from my bank account as set up by Ditech. However, Ditech misallocated the payment and showed that there was no payment. This misallocation has happened more than once. On XXXX/XXXX/16 Ditech customer service representative XXXX stated that representatives do n't always follow the instructions. Ditech needs to resolve their issue and deposit automatic withdrawals into the correct allocation. 6. Ditech has apparently miscalculated my escrow account and when asked on several occasions XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 Ditech representatives gave different explanations as to how much money is in the escrow account. On or about XXXX/XXXX/16 the Ditech customer service representative stated that there was an overage in the escrow account of {$1400.00} and there would be refund. I have serious doubts that Ditech has managed my account appropriately and I am requesting an actuarial summary of my account.
04/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33144	Web
XX/XX/XXXX To : DITECH Ref : Account No. XXXX. Dear Sir/Madam : On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, we have requested from DITECH to correct some issues, I have found related to our account. The first one was made by XXXX XXXX on reference to the payments made to this account, in whom she was not reflected and appeared to be the account closed improperly. She has not declared bankruptcy, and consequently all reference to the payments must be adequately reported. We received a letter from DITECH, dated XX/XX/XXXX, informing they have received the request at that date, but, since then, we dont have received any response. The two others are related to the Escrow Account. On XX/XX/XXXX, I requested from DITECH to correct the Escrow Analysis, indicating where the errors were found, specifically an Escrow Shortage of {$4300.00}, who comes up from nowhere, since the Property Taxes, {$1900.00} and the Homeowners Insurance, {$4000.00} for a total of {$6000.00}, were paid on full, with my monthly escrow of {$500.00}, totaling {$6000.00}. The response, we received from DITECH, reiterates the same error, and there is no explanation of from were it comes up the shortage of {$4300.00}. I decided to call at he Customer Service, to find any one to understand the situation, but it was worst. They repeat what is on the Escrow Analysis. Nobody can understand what I say. On XX/XX/XXXX we signed up the Mortgage modification with DITECH, where was established a monthly payment of {$1600.00}. These payments have been made monthly through a Bankruptcy trustee, according to the law. By the end of XX/XX/XXXX, DITECH reduced the monthly payment from {$1600.00} to {$1500.00}, but the amount sent was the same {$1600.00}. The difference was deposited on the unapplied funds, totaling by the end of XX/XX/XXXX, {$1200.00}. The only way to reduce monthly payments can be if there are enough funds on the escrow account to pay for next year taxes and insurance. In effect, by the end of XX/XX/XXXX there was {$7000.00}, less the insurance and taxes paid, that lets {$1300.00} remaining for XX/XX/XXXX. Note than we didnt receive by mail an Escrow analysis for XX/XX/XXXX, nor XX/XX/XXXX. This last one, I took notice when I opened an electronic account with DITECH by the end of last year. The supposed Escrow shortage has been applied to the account, then the monthly payment has been increased by {$360.00} more on the escrow, additional to the {$500.00}, for a total of {$870.00} only for escrow. The monthly payment was fixed on {$1900.00}, and since then, the monthly payments are not applied to the account, because they dont meet this figure. Then DITECH first have stolen our {$1300.00} of money from the Escrow Account, and second its charging us for a {$4300.00} that We dont owe. We received a letter dated XX/XX/XXXX, to iform us of an ongoing investigation, but we didnt have received any results, instead a Final Escrow Report dated XX/XX/XXXX with the same figures we are questioning. There are more irregularities and illegal actions commited by Ditech on reference to our account. We expect and deserve a detailed explanation. Thank you XXXX XXXX XXXX XXXX
03/30/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	NC 27606	Web
My wife and I came on some hard financial times right at the start of 2010 when she got XXXX. I work from home as a XXXX. We were able to keep both the XXXX and XXXX mortgage payments up while she was collecting unemployment. Once the unemployment ran out we started having serious trouble making XXXX the XXXX and XXXX mortgage payments and fell behind. We turned to the North Carolina Foreclosure Prevention Fund and were approved for their program. The NCFPF then made good our back payments for both mortgages and continued to make payments for a little over a year until our maximum had been reached. By the time the NCFPF ran out my wife got XXXX, and while they are a true blessing it did n't help improve our continuing financial issues. We again got behind on both the XXXX and XXXX mortgages. By this time wife has found gainful employment full time ( 30 hours a week ) with a local bookkeeper. However it took all of our income just to keep the lights on, heat, groceries, car insurance and all the other necessities of daily life and left little to no extra money for the mortgages. We then turned to our local HUD approved agency for assistance with a HAMP modification. The HUD agency is the XXXX XXXX XXXX XXXX XXXX. We also sought the assistance of another legal agency, the XXXX XXXX XXXX XXXX that provides us with a free attorney. The attorney proved to be very helpful since the XXXX mortgage company has been trying to foreclose on our home for almost a year and we have been to court more than XXXX times, each time resulting in a postponement while we were working through the HAMP process with XXXX. We successfully completed the HAMP process with our XXXX mortgage company and are over XXXX payments into that modification with them. And this is where we start to have an issue. We were told throughout this entire process by our XXXX mortgage company and our HUD rep that once we were approved for the HAMP with our XXXX mortgage company we would automatically be approved for a 2MP with our XXXX mortgage company. The loss mitigation rep at my XXXX mortgage company called late last week and informed us that after their " in house '' review for mortgage modification that we did not qualify. Needless to say I was perplexed as to why this was in " in house '' review and not under the HAMP law. He did n't really have a good answer as to why we were not eligible under HAMP just that we did n't qualify for HAMP with them, even though all along were led to believe that a XXXX was automatic once the XXXX mortgage company approved us for HAMP. After calling my HUD rep at XXXX she was able to find out that because our HAMP mod with the XXXX was an FHA HAMP we did n't qualify for an automatic XXXX approval. This is something that my HUD rep was also not aware of for this entire process. So now I am filing this complaint on the advice of my HUD rep hoping that I can get some kind of positive resolution to this XXXX mortgage modification issue. This matter is further complicated due to the fact that we have another court date scheduled for XXXX XXXX and the court has a sale date for my property already on the books.
04/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60504	Web
Back in XXXX I received a letter from Green Tree stating the amount that XXXX XXXX XXXX ( XXXX ) stated I owed. Sometime around XXXX of 2014 I continued going back and forth with XXXX regarding XXXX of my XXXX loan payments that had never appeared to be credited to my account. XXXX continue to acknowledge and send me multitutude of apologies and promises to take care of the situation. In the mist of being behind XXXX sent me XXXX applications to apply for another modification. After being hounded, I applied and received only a letter stating they rec 'd my information and would contact me. All of this was still " under investigation '' and " being worked on '' by XXXX when they sent my loan over to Green Tree. XXXX continuously sent me letters with the same content over and over promising they were tending to my issue. I have included XXXX but have plenty more of the same. I sent the last XXXX which was in XXXX, about XXXX weeks before they told me they were selling my loan. I supplied these letters and a few others to Green Tree. Then Green Tree, even after being told that this was going on, sent the letters XXXX sent me, and I also exercised the FDCPA requesting correction to the amount owed sent in the original notice, they completely ignored the information and sent me Default Notices. They even sent me a notice stating that I was behind my XXXX payment in XXXX? I received a notice to apply for modification, even though XXXX has my application and documents, nothing has been done about the misapplied payment, and in XXXX I made a payment to XXXX prior to my account going to Green Tree that I 've been told is " awaiting processing '' but continuously receiving letters stating they do n't have it and send documentation that they are holding the payment ( which I did -record straight from XXXX ). I continue to send my payments and request communication via email or written documentation ( XXXX ). They tell me they are a debt collector, but completely ignore my side of being able to exercise my FDCPA rights? today I received a letter dated XXXX XXXX, 2015 basically telling me they are preparing to take my home and that they have n't received a response from me ( they have gotten many and I have tracking and fax confirmations ). I show that I owe for XXXX, XXXX 's payment was sent in. They are telling me I owe for XXXX, XXXX, and XX/XX/XXXX- ( they have n't received the XXXX payment since it was just mailed, so I assume it would be XXXX ( which they have ) and XXXX which is a payment that carries on in dispute-not XXXX, but the payment XXXX was supposed to credit my account with. This has been absolutely horrible. Not to mention their calls and XXXX which an extremely rude person told me that it did n't matter XXXX I tried to explain talking loudly only confuses me. They were still yelling when I hung up the phone. I just do n't think it 's fair how XXXX can just ignore their promises and what should have been communicated and Green Tree ignore dealing with it and telling me I 'm not responding. Thank you for any assistance, I am incredibly stressed over this and feel bad that they think XXXX I 'm dumb.
07/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 078XX	Web
We have a mortgage with Green Tree for our vacation home in SC. The loan was sold to Green Tree by XXXX XXXX XXXX in XX/XX/XXXX. We pay our mortgage through automatic deduction from our checking account every other week for a total of XXXX payments a year of {$940.00} each occurrence. Since Green Tree took over our mortgage our written statement has never reflected the correct amounts of what we pay, what we owe, and how the payments are applied. Whenever we call, we are told to " ignore '' our paper statements because we are on a biweekly payment schedule. However our written statement on XX/XX/XXXX made us question this practice when we noticed a " past due '' amount. We are on a regular automatic deduction so this was odd. A few days later, we received a letter stating that the past due amount was made in error. Since we are used to being able to accurately see our balances, we were beginning to get really uncomfortable about this practice. I ( XXXX ) decided to call again and find out why we are unable to get an accurate statement. I spoke with a woman who said it was because of our schedule of payment. I told her that we have a home mortgage with XXXX for our primary home and it is even on a weekly payment schedule but the monthly statement is easy to understand and is accurate. Her response was, " That is XXXX. '' I reminded her that XXXX XXXX XXXX used to service our loan and that we were already on a biweekly schedule with XXXX XXXX XXXX and that our statements were always accurate. She said, " We are not XXXX XXXX XXXX. '' I then told her that I really need to see a statement that would show what we are paying. She said that she can send me an Amortization Schedule. I told her that it was insufficient as it does not show the dynamic month to month payments, etc. in real time, or reasonably in real time. But I told her to send it to me anyway. We have not received it yet. After much discussion about my right to see the correct numbers on my statement, she said, " You are looking at the written statement and that is not accurate but if you go online, it will show you the right amount. '' So I went online while she was on the phone. The data were insufficient. Please see attached. When I asked her why only the principal and interest were shown for the amount due, her response was, " Because you should know what you pay for taxes and insurance. '' I told her that regardless, Green Tree should show that on my statement. I asked to speak to her supervisor, XXXX # XXXX, and he said, " I 'll have my tech support guy look into it. '' I told him that he should put himself in my place, a consumer who is paying a lot of money over the span of 30 years on something that she does n't have an accurate monthly statement. His response was, " I pay them automatically and I do n't bother checking my statements. " He said he would get back to me concerning the errors online. He has not. At this point in time, we believe we have exhausted all efforts in trying to get Green Tree to give us an honest and accurate monthly statement, be it on paper or online. Thank you, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX
12/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98373	Web	Older American
Ditech 's Escrow accounting errors and lack of willingness for reconciliation Ditech 's inept accounting system in XXXX was unable to properly process Escrow payments. Two XXXX acct escrow payments were misapplied. Unfortunately Ditech has been unable, or unwilling to remedy the problems. To document Ditech 's error prone accounting system : A. My auto pay mortgage is sent to Ditech Financial LLC XXXX, XXXX, XXXX However, my Escrow Payments are sent to the Escrow Department : Ditech Financial XXXX. XXXX B. Ditech 's inadequate accounting system was unable to decipher an escrow payment from a mortgage payment and misapplied the escrow funds. Ditech account reconciliation sheets are available. 1. NOTE A - XX/XX/XXXX Escrow payment of {$2100.00} was misapplied to {$1100.00} ( A1 ) principal Unapplied funds, and {$1100.00} ( A2 ) to mortgage unapplied funds rather than escrow. See attached reconciliation sheet 2. NOTE B XX/XX/XXXX Escrow payment of {$2100.00} was again misapplied to principal Un-applied funds {$1100.00} ( B1 ), and XXXX ( B2 ) to mortgage un-applied funds rather than escrow. See attached reconciliation sheet 3. At least four Ditech representatives documented Ditech 's faulty allocation of escrow funds. These representatives included, XXXX, extension XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. My misappropriated funds were then assigned to my next mortgage payments while putting my Escrow account into delinquency. A. Ditech 's extremely poor customer service then created another set of problems. I tried numerous times for resolution. I contacted a minimum of fifteen Ditech representatives virtually all stated they agreed with the genesis of the problem and would get it rectified. Promised call backs after they researched the resolution were non-existent -included XXXX XXXX Ext XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX- XXXX plus others. Zero returned calls from voice mail messages, and none of my calls answered. B. On XX/XX/XXXX supervisor XXXX- XXXX volunteered that Ditech would totally rebuild the account to provide funds into the correct sequence and account locations. See claimed to be the one who could rectify the problems. I agreed to make two payments which she was going to monitor to make sure they did n't drop into the " black hole again ''. On XX/XX/XXXX two payments ( {$2600.00} & {$4600.00} ) were received by Ditech.. XXXX promised to call when the funds were received and properly distributed and to call when she received my documenting fax - no calls, wo n't answer her phone See attached documenting fax. C. As of XX/XX/XXXX, no returned calls from XXXX after 6 messages. Conclusion and reconciliation : 1. Had the payments sent to the correct Escrow office been applied to my Escrow account, we would not be having this disaster. 2. Had XXXX - extension XXXX - followed through on her promises to call and return calls, we probably would have already properly remedied this account. 3. This is very simple math, match the amount owed for both mortgage and escrow to amounts already paid for mortgage and escrow. 4. Expunge any and all record deficiencies from my account.
03/06/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NH 03054	Web
We closed on our loan in XX/XX/2015. A short time later it was sold and started to be serviced by Ditech. That was the beginning of the worst customer service experience of my life. When our property taxes were due, I checked my account and saw that they were not being paid. Of course, the money had been escrowed on time but no payment was being made for taxes. I sent an email to their customer service to find out what was happening. I got a standard letter within a week telling me they would look into it and I could expect an answer within 30 days. I tried waiting patiently but as I checked my account with the town, I saw interest starting to be added because the payment was so late. So, this time I called the customer service number and after being transferred a few times spoke with someone in that department. The rep told me that they were n't being paid because my town needed to send them something to prompt payment and once that happened, they would be paid. So I checked with my town and they told me the same thing was sent to Ditech that is sent to all other mortgage servicing companies. Here we go. I call Ditech again and have to start all over as they do n't seem to have record of my previous inquiries. What happens next? I get another form letter exactly like the last one telling me they will look into it. Still no tax payment and interest keep getting added. Again, I try to wait but my husband ends up calling and finds out that from who he talked to that the problem was that our account was not set up correctly. It was marked as a " self-pay '' for taxes even though they have been collecting our money for escrow every month. OK, so mistakes happen, I just wanted it fixed and to get those taxes paid as we were now a few months late. I contacted the town again and told them what was happening and they told me they would let me know once they received payment. Great. Payment was finally made but Ditech used my escrow money to pay the interest that had accrued from being so late!!! What?? They made an administrative error in setting up our account yet they used our money to correct their error? That is just unacceptable. So, my husband called again and the rep he spoke with that time told him she saw everything in their system and she would put the request in to refund us the money taken from our account to pay the interest. Great, that is all I wanted. Weeks go by and nothing. Finally, my husband called back and they said the request was denied. Seriously??? So I sent one final email because I wanted it in written form and told them how miserable their customer service was and that I would give them 14 days to make this right or I would begin to explore other avenues to file a complaint. What do I get? Another form letter to tell me they would look into and I would have a response within 30 days. That was in late XX/XX/XXXX and it is now XX/XX/XXXX and I have gotten no refund and no response. They have got to be the absolute worst in customer service I have ever seen. It is unfortunate you can not choose who services your loan because if you could, I would not go near this company ever again.
03/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94544	Web
I live in California, my former mortgage holder, XXXX, went bankrupt and sold our loan to Green Tree. Prior to the sell, I had never heard of this company. As a result of the sell Green Tree opened an escrow account, to pay property taxes and insurance, I never had a escrow account before and do not believe the State of California requires lenders to maintain an escrow account. My mortgage is a fixed rate 30+ year mortgage and the monthly mortgage payment is {$1200.00} and I pay $ XXXX monthly to cover the escrow payment for property taxes and insurance. According to my monthly statement from Green Tree, my regular monthly payment is {$1500.00} so I pay roughly {$11.00} per month more than is required which I acknowledge was no designated to be applied to the escrow account until I recently made my XXXX payment. Despite my attempts to comply with the terms of this loan, every year since Green Tree has held our mortgage we get a bill for XXXX of dollars, this year it was {$800.00}, supposedly because of escrow shortages. Every year it 's a different amount, but the escrow shortages are always for XXXX of dollars and the amount of insurance and property taxes we pay annually does not increase that much to justify these increases of XXXX of dollars each year. Green Tree provides this annual escrow account disclosure statement with this convoluted calculation to justify these increases ( copy attached ). This year XXXX days prior to receiving the annual escrow account disclosure statement we received a letter from Green Tree stating that our account was current ( copy attached ). Each year I contact Green Tree to get someone to explain these calculations and I have yet to understand the justification or the explanation. If you do n't pay the amount of the shortage Green Tree threatens to increase the amount of your regular monthly payment to cover the shortage. I find it hard to believe it is legal for a mortgage company to charge a borrower XXXX of dollars more per year to maintain an escrow account if it 's cheaper for the borrower to pay their own property taxes and insurance. If the borrower 's property taxes and insurance are not delinquent, then a borrower should be able to opt out of such a onerous escrow arrangement. If Green Tree is able to charge people XXXX of dollars more each year for these " supposed escrow shortages '' it 's no wonder they require borrowers to have an escrow account. We should be able to pay our own property taxes and insurance to avoid the financial hardship that Green Tree is creating. We are currently stuck with this mortgage company, but at the first opportunity we will make every effort to change lenders. But I do n't believe we should be penalized because we are stuck with this company. A company we did not voluntarily enter into a contract with. It should not be legal for a mortgage company to require consumers to have an escrow account that costs them hundreds of dollars more per year than it would cost if that consumer paid their own property taxes and insurance. I do n't know if this practice is legal but it should n't be and it definitely needs to be investigated.
06/17/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85249	Web
Our issue wi th Ditech beg an in XX/XX/XXXX . Our mon thly Mortgage payment that is due is {$1000.00}. I always pay a little more each month. Typically {$1100.00} to make it an even number. In XX/XX/XXXX , I accidently paid our regular mortgage payment to the Home Equity Account that is also on the property Instead of the Mortgage Account in error. I n XX/XX/XXXX after the XX/XX/XXXX we began receiving calls that we did not make our monthly mortgage payment and I discovered my error and Immediately made the payment o n XX/XX/XXXX fo {$110 0.00}. This is the amount we were told by the ditech rep over the phone that was due and included late fees. To insure that this would n't happen again, I started paying our monthly payment early each month. On XX/XX/XXXX I p aid {$1100.00} and on XX/XX/XXXX I paid {$1100.00} because we received a notice that the amount needed for our monthly escrow account payment had increased. Per our statements, fro m Ditech, the XX/XX/XXXX Payment on XX/XX/XXXX was not applied to our account. It shows received but was no t applied. Th e XX/XX/XXXX p ayment was applied to principle, interest and then a huge payment to the escrow account of {$690.00}. Per the escrow account statement/analysis as of XX/XX/XXXX it sh ows that the escrow account payment should be {$180.00}. I received a phone call in XXXX that we owed {$89.00} in late fees so I paid it right away on XX/XX/XXXX not wanting to argue with them further on the phone since everyone I spoke to on the phone claimed everything has been corrected on the account and we owed these funds. The {$89.00} payment was also not applied. To say it has been frustrating is an understatement. Multiple calls a week from Ditech an d multiple conversations stating that they have already corrected the problem and we need to make more payments. Moreover, Ditch 's g ross negligence of our payment appropriation between escrow, principle and interest caused some alarm. I began reviewing our escrow account and payment application since the last escrow adjustment in XX/XX/XXXX . Per th e XX/XX/XXXX esc row accounting there was a shortage of {$16.00} each month which increased our payment from {$1000.00} to {$1000.00}. If you look at our statements we have paid more than that amount each month, however, ditech has not applied the escrow account appropriately ( per their own statements and documents ). At the end of XX/XX/XXXX we received another escr ow statement showing that the payments they have been using were {$1000.00} and not the {$1000.00} per the escrow statement we had been sent as of last year. Future monthly payments would be {$1100.00} to make up for the shortage. I reviewed the history of the payments applied to our escrow account from our monthly mortgage payments and much to my chagrin in was extremely inconsistent. Some months they took {$160.00}, then {$160.00}, or {$200.00} and most recently {$690.00} from our monthly payments to apply to our escrow account. I realized that the varying payments to our escrow account each month would affect how our mortgage was being paid off overall.
07/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	HI 96744	Web
Ditech is putting me through a collection process for a late fee of {$120.00}. I incurred this late fee because they held my payments in a Funds in Suspense status. I have paid {$22000.00} towards my 2018 mortgage obligation of {$19000.00} ( {$2800.00} due on the first of every month ). I calculate that as an overpayment, however the overpayment is being held as Unapplied Balance while they put me through their collection process. I used to use Ditechs Bi-Weekly Mortgage program which auto debited my mortage in partial payments that occurred every other week. They discontinued this program in XXXX and their website does not offer any other type of autopay except for full payment on due date. My finances and due dates for other financial obligations are set up around the bi-weekly payment plan because my mortgage is my largest one payment. I set up auto pay through my own bank bill payment system to continue the bi-weekly payments as I have been making them through Ditech. The payments I made were then held in Funds in Suspense and show that I was delinquent in my payments at the same time they money was collected from my bank account. Entire payment would be applied to principal as extra principal payment and they would attempt to collect an additional payment from me and go through a collection process. There must be some policy against this. My mortgage balance is $ XXXX, and my house is valued at $ XXXX. Are they using unfair practices to put me in a collection cycle to gain my home? Any payment balance should be applied in a way that protects the consumer always. Any money collected should go to : Balance due ( oldest to newest ) ; Escrow ; Fees ; Principal only when other balances have been collected on. Or at the very least you should be able to allocate your own money to these categories on their website. If the company decides where to allocate payments, by law it should be in a way that protects the consumer, not potentially puts them in a foreclosure. This company stinks of unethical practices! I called and spoke to XXXX on XX/XX/18. I was scolded for making partial payments, even though I did so previously through a Ditech sanctioned program. And made each partial payment PRIOR TO THE DUE DATE for the balance due. I tried to rectify the situation and was given no solution but the pay the full amount on the due date, NOT BEFORE THE DUE DATE IN INCREMENTAL PAYMENTS or the payments WOULD always be misapplied. So I adjusted my due dates on other financial obligations to do this. I am still going through collections for a late fee and have an Unapplied Balance on my account which is an overpayment that just sits in suspense it doesnt go to my balance, my principlal or my LATE FEE. It just sits there. Meanwhile they send me to their collections division. I went ahead and sent a check ( no option to pay online other than the mortgage amount ) for the LATE FEE to suspend the collection process. How is this legal that a mortgage company can hold my money and NOT APPLY IT TO MY ACCOUNT in a way that is in MY BEST INTEREST. This has got to be illegal, besides being incredibly unethical
01/05/2016	Yes	Mortgage Other mortgage	Settlement process and costs	KY 403XX	Web
I submitted a complaint to you about GREENTREE SERVICING on XXXX XXXX, XXXX ( Complaint # XXXX ) regarding several issues of fraud, negligence and or failure to comply with their end of the Deed-In-Lieu agreement I had with them. However, GREENTREE did not respond, a company called DITECH FINANCIAL, LLC responded ( whom I had never heard of ) - they requested more time to respond and you gave them 60 days. Well, since then, I now continue to have problems with this company ( DITECH ) - whom I have never done business with?! For example, NOW they are on my Credit Report (?! ) - with ALL INACCURATE information of ANY account/mortgage I have had. They also sent me a letter dated in XXXX - that did NOT receive until XXXX - citing changes to " my mortgage ''. Well, I signed my property over to GREENTREE thru a Deed-In-Lieu in XXXX ( which Greentree still has not followed through with the written agreement and terms of the CASH for KEYS PROGRAM once I signed the Deed-In-Lieu and I have yet to have that resolved ). So - why is this DITECH sending me letters about a mortgage that has not existed for more than six months and was in Deed-In-Lieu process for almost TWO YEARS before that ( because of incompetency on GreenTree and XXXX part )? And why are they STILL on my credit report with INACCURATE information??? According to the FCRA, since I disputed the information ( XXXX XXXX ) they have on my credit reports and it is still NOT ACCURATE as of TODAY it MUST BE DELETED. The language in the FCRA is very clear, direct and unambiguous ; therefore, I demand this " DITECH FINANCIAL, LLC '' 1./ be held responsible 2./ stop contacting me and 3./ Most Importantly : DELETE the ENTIRE ACCOUNT from ALL of my credit reports. Please know that I also tried to file a formal complaint with the FTC against them, however they state the CFPB handles all of the complaints of this nature. I am also filing a complaint with ( or against ) XXXX for not following through with their end of the Deed-In-Lieu Agreement ( neither the Relocation Assistance and they made me move out more than TWO MONTHS before I was supposed to according to the written and signed agreement ). If DITECH is responding for GREENTREE now, then they should be held responsible for all of the harm and distress that has been done to me. XXXX more thing - I owned that property since XXXX ; the mortgage was sold to XXXX different mortgagors in that period ; each time it was sold, I was sent a letter informing me it was sold and who the new mortgagor would be - however, I have never been told anything other than GREENTREE was my last mortgagor up until I signed it over to them in XXXX. This is the THIRD mortgage company ( in addition to possibly XXXX ) in the short span of only ten years that has harmed me financially, emotionally and mentally! I was a victim of XXXX, XXXX XXXX XXXX and now GREENTREE / DITECH. What is wrong with these XXXX dollar banks doing this to single mothers, working people and honest Americans?!?!?! PLEASE get to the bottom of this and MAKE this company DELETE the account altogether from my credit report IMMEDIATELY. PLEASE. Thank you.
03/30/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	OK 73071	Web
I applied for a loan modification last year (XX/XX/XXXX), made the required trial payments and was approved for a loan modification XX/XX/XXXX. I was told that i needed to wait for the paperwork to be sent to me by mail, sign it and mail it back to them to activate the modification. Several weeks later i still had not received the paperwork and called them to inquire. I was told that it was still in process and they could give me no idea as to when it might be sent. I called repeatedly over the ensuing months, sometimes bi-monthly inquiring about the status and paperwork. Always the same reply, " it was in process ''. I was also told that I needn't make payments until i received the paperwork and made the newly modified amount as any outstanding payments would be rolled to the back of the loan. I was having financial difficulties at the time ( the initial reason for the modification request ) and at the time this seemed like a Godsend. I figured I would get a little behind, have it rolled to the back of the loan and start with the newly amended, lower payments which were more within my means. Weeks and then months passed and still no sight of the required paperwork which i was to sign. I made regular inquiries and was always told the same thing. " In process '' with no idea of when it might be sent. The week ofXX/XX/XXXX I finally received the packet in the mail. But to my dismay the letter was dated XX/XX/XXXX and i was given til XX/XX/XXXXto have it returned to them with my signature. I called and asked if the paperwork had been sent in XX/XX/XXXX why I wasn't told it was enroute during one of my inquiry calls after that time. They said they had no record of me having called afteXX/XX/XXXX which is a blatant falsehood! Obviously, the time in which to have signed and returned the required paperwork had lapsed by a month and i was then send a denial letter of the modification because I didn't return the paperwork. Also, it has been a week now and I still have not received the paperwork for the re-application of the modification, they say it was sent a week ago but i have not received it. i question whether it will arrive in time to stave off the foreclosure they seem to so badly want. Also at the same time i was sent a letter telling me that my account was in arrears and was given til XX/XX/XXXXto bring my balance up to date or face immediate foreclosure. I was told {$5000.00} in a letter and {$3300.00} by a customer service representative named XXXX. I was told to reapply for a modification but I suspect it will be denied outright and they will foreclose on my home, this seems to me to be a fraudulent tactic that they are using on me. I don't know if any other consumers have had the same experience as me but I believe they are unlawfully dragging their feet so that they can ultimately foreclose on me. All I want is for them to honor the original loan modification which was approved in XX/XX/XXXX and I can start making the lower payments and proceed from there. Short of calling them crooks, I am appealing to you to have this matter settled in a fair and equitable way, I deserve this.
04/30/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 07747	Web
We are an existing customer of Ditech for our home mortgage. In XX/XX/XXXX, we refinanced, via HARP and had over {$500.00} taken off our monthly payments. So we just closed one loan account and opened another within the same company. After 6 months, the Escrow Statement came and we were {$4100.00} short in the escrow account. This is impossible since we had almost {$8000.00} put on top of our mortgage when we closed on the new loan, {$3100.00} of which was allocated to the escrow account. We started calling the company in XX/XX/XXXX to have this corrected and have the escrow account analyzed and rerun. This did not happen and we got another escrow statement and now are short {$3500.00}. We also found out that our XXXX for our taxes were underreported in XXXX because at closing Ditech paid our township taxes as well as the Title Company. The town kept the monies and just kept moving it forward. However, since Ditech did not pay the entire tax amount, the XXXX is short one quarter worth of taxes - {$2000.00}. To this day we are still short that money. We called days in a row, starting on XX/XX/XXXX, one day 5+ hours on the phone going over the tax assessor information and payment history for the new loan. When the loan was closed on XX/XX/XXXX, {$3100.00} was put in the escrow account. On XX/XX/XXXX, the money was taken out of the account, putting the escrow at XXXX!!! The description next to it says " - {$3100.00} XXXX Esc to Mortgagee Dis. '' Rep after rep and supervisor after supervisor and no one will help us resolve this. We finally got a supervisor, XXXX XXXX XXXX to give us her e : mail address so we could send the payment history from our township tax assessor and she had told me that she definitely saw the problem and would help us fix it once she reviewed the tax document. As of this date and sending 3 follow-up e : mails to her, we have not heard anything back from her. If we call the XXXX number again, we would have to start from scratch and explain the issue and it's quite complicated unless you have reviewed all the documents. As soon as we explain there is also a tax issue, without the customer rep even saying hold on, we are immediately transferred to the tax dept. that can only verify the payments that have been made to the mortgage and that's it! They can not speak to the escrow, or the gross mistake that was made as soon as the loan was closed. Also, it was explained to us, at the closing, that we would not be starting the 30 year clock over with HARP, that we would just be flipping the loan where we currently stood, which was at 20 years. Not only are we paying more, we started the clock over for 30 years and had {$8000.00} charged in closing costs, put on top of our mortgage and NO ONE at Ditech can tell us where that money went, especially the amount allocated for the escrow. The $ XXXX monthly savings for our mortgage is creeping back up to that exact amount and the hours of time spent refinancing, stress trying to get it fixed was not worth it at all. At this point, we don't know where to turn to get this resolved. Please help us to get our account corrected.
12/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MN 55430	Web
A T T E N T I O N!!! SHERIFF SALE XXXX at XXXX. I am writing you to explain what happened with a streamline modification that my lender says he never got. In XXXX XXXX I was given a loan mod after paying a 3 mo. Trial period. I received the new loan and sent it back to the lender in the envelope provided by the lender ( XXXX overnight envelope ). We were NOT instructed to track the envelope or anything, just sign the loan mod and send check for the first payment in provided envelope. This was for XXXX XXXX th deadline to send, I sent it on XXXX XXXX XXXX, a Saturday. I heard nothing from my lender ... .no letter saying they got the package. This was supposed to be mailed within 5 days of lender receiving the package. Without hearing anything, we sent the next payment on XXXX XXXX XXXX. I thought all was fine, and then the XXXX check shows up in the mail un cashed. I imediately called my Rep at green tree lending ... XXXX XXXX And left a message for him to call me. He never called. I waited till XXXX XXXX and was ready to pay the monthly payment but decided to call again. I did NOT talk to XXXX XXXX But someone else told me that they did not receive the documents and that I was in default again. After being told to write a letter of appeal explaining my situation I was told to " Re-Make '' any payments I was supposedly late on. My letter was denied and I was told by letter that if I could prove I sent it, they would honor it. They kept my check for ALL months I was supposedly late on, and then sent my check back to me un cashed, not deposited into a suspension fund, just back to me un cashed in XXXX of XXXX. I still have all the checks and letters sent to me. So after dealing with another sheriff sale, I had to hire a professional loan negotiator to start working on this problem. I was, after several months of sending documents, XXXX XXXX XXXX reports, and pay stubs and past taxes I was given a loan mod that doubled what the streamline loan XXXX. was. Fearing of no other recourse, and after being told that this was the last time they would do this, we had to sign the new agreement even tho we were going to pay twice the monthly amount. I am a seasonal company owner that does not work in the winter months, so I have to save money for winter bills. I planed my winter for the streamline payment of {$650.00} but after the lender changed the new Mod Loan to {$1200.00}, I was never able to catch up on the arrears I 'm facing now. In all seriousness, I am scared to death of dealing with the lender at the collection level, I do n't trust anything they say, and I certainly believe i was a victim of discrimination and predatory lending practices. As I stated in the letter head A T T E N T I O N!!! S H E R I F F S A L E O XXXX XXXX at XXXX. Is there anyway to stop the sheriff sale to continue negotiations with lender or do I need to file a lawsuit against the lender. Please help if you can Thankyou. Again, Sheriff sale is this Friday the XXXX at XXXX am ... .... Please help if you can, we do not want to lose the house, we just want the contract we signed and mailed in XXXX XXXX
06/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 337XX	Web
We have multiple accounts with ditech.com. XXXX is set up on auto pay, house XXXX. The other XXXX I had been making by phone. They " overhauled their system '' so that they began charging either {$19.00} or {$10.00} to make a payment by phone and urged us to set up an account on their website. We did that, I made a payment to XXXX account fine, for house XXXX, but apparently the XX/XX/XXXX payment to another account, House H, went to the account already set up on auto pay ( house XXXX ). I was n't aware this happened until it was time to make XXXX 's payment. On XXXX XXXX, 2016 I called ditech and said that I had made the XX/XX/XXXX payment for house XXXX They said that if I faxed proof of payment, the account would be updated immediately. I faxed the proof as they required. Then to follow up, I spoke with XXXX at ext XXXX. He said he " would send the request to maintenance '' and to give him " two days to work the kinks out of the new system ''. He said he worked noon to XXXX, call back then. I called, noon, XXXX, XXXX and XXXX extension went straight to voice mail. I was still trying to make XXXX 's payment which " the system '' would not accept because " the system '' had not yet been told that I made XXXX 's payment. It took many hours to finally reach a tech named XXXX at ex XXXX, who was able to " override the system '' and accept XXXX 's payment. By XXXX I was able to get a confirmation from XXXX for the payment. By XXXX I still had not heard from XXXX, so I escalated to his supervisor, XXXX XXXX XXXX. I was placed on hold, hung up upon, told that XXXX was now available, then placed on hold again but finally was able to speak to XXXX XXXX. XXXX XXXX now tells me that it will take AT LEAST several more days to re-allocate the payment to the correct account for house XXXX, that he " completely understands '' my " frustration '' but makes no apology for the hours I have had to spend on the phone trying to make XXXX 's payment on time and getting a misallocation error corrected. 1. I want my accounts corrected so that they accurately reflect the payments that were intended to be made on them on the day ( s ) the payments were made, including back-dating if necessary. 2. I want a " cease and desist '' order placed on account XXXX until the payment is allocated correctly to that account so that no deleterious files or notes can be written or reported about it. 3. I want Ditech to write a letter explaining what happened and how they will or have corrected the error that I can keep in my files as documentation. 4. I want our credit report to accurately reflect that no payment was ever missed, that all payments were made on-time and in-full, and 5. I want ditech to make sure that " their system '' is fixed so that they correct errors more quickly. 6. I want ditech to provide better communication so that it 's not so difficult and time consuming to correct a mistake. 7. I want ditech to have make sure that every account has it 's own page, so that it is not possible or at least extremely difficult for a payment to be applied to the wrong account erroneously. Thank you
05/22/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 19144	Web
In XX/XX/XXXX, My mother, passed away. XXXX, XXXX, I went to City Hall to file the paperwork to become the Executor of her Estate because I was her only child. Going through mail I found statements from the mortgage company, Green Tree Mortgage, stating that she was behind in her payments on the $ XXXX loan that she had taken against the house that was already paid for. She tool out the loan to get repairs done on the house. I called them to make arrangements on the delinquent payments. The agent said that they needed the death certificate and the estate paperwork to discuss the loan with me. I did send, fax, the necessary documents needed to so that I could assume responsibility on this loan. I did make payments XXXX and XXXX, XXXX towards the billing. The payments were accepted. I called several times, XXXX - XXXX to see what I needed to do to assume the mortgage in my name. During the several attempts to get this done I would get a different agent and they would look up the account and say that they did not have the death certificate or the estate paperwork. I am not sure if it was lost because of the loan being transferred to Ditech Mortgage. I went through the process on several occasions of getting the documents to the company so that I can get a resolution. I would give the agent the fax number that I sent the information along with the information that I had from the receipt that I had from the fax confirmation sheets. In XXXX, I received a notice to contact the City of XXXX because the house was now in foreclosure. I attended the court date and was assigned to a housing counselor. I went through the necessary finance classes and completed them and worked with the housing counselor with a financial packet to the mortgage company. I also was able to change the deed to the house in my name with the assistance of Community Legal Services in XXXX. During XXXX, we submitted Act 91 and I was denied. We sent several completed packages getting responses back as we need updated banks statements or other documents that were submitted with the assistance of the housing counselor. I never received a response from them regarding the modification on the loan. In XXXX, I received another letter from the City of XXXX about the property again. I went through going to the necessary classes again with the assistance of the housing counselor. We submitted a completed application and financial packet for the modification. The letters from the mortgage company were addressed to my deceased mother asking for her income and her information. I was the one submitting the information in my name with my documents. We addressed this issue with the mortgage company 's attorneys. I received a denial letter stating that my income wasn't sufficient so we submitted a new application adding my son 's income since he is living with me while going to XXXX College. I received a letter XXXX, XXXX saying the my income is sufficient but I am not eligible for the modification. This has been an ongoing stressful process. I want to assume the payments so that I can keep my home and pay the loan off.
03/04/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 78572	Web
My mortage started on or about XX/XX/XXXX ; I started to fall behind on my mortage. But never stopped making payments. Some payments were full payments, others were partial payments and some were a lil more than just regular payment. When my account became defaulted was because of medical issues. And in results of that financial situation started to impact my mortage and other bills. When that happened I wrote a letter explaining my situation. Which was apparently ok as long as I kept making payments. And keep mortage less than 120 days past due. I have trying to keep up with payments to come current with account. On or around XXXX I spoke XX/XX/XXXX I spoke to a Rep. at Ditech and explained that my Hardship was over, explained that I had made arrangements to make my home a priority. In my explanation I stated that I retuned a vehicle I was paying for and some furniture that I was also paying. That my husband had started to work, and that at no time my intention was to loose my home. That I am doing my very best to come current. And again explained that was not going to happen over night. On or about XX/XX/XXXX I get a letter from an attorney representing Ditech. Letter in which says all past due must be paid in full. I had a 2 month payment to send. Called Dietch and said they could not take partial payment and that the full amount had to be paid in full. I have been working really hard to keep my home. And just out of no where I get this letter stating all past due must be paid in full. I am aware my account is defaulted. But honestly have my doubts on amount. Because I had been making payments. Whether they were partial payments or full payments. And had explained to them my situation. I just want a fair negotiation towards my home. I do not want to loose my home. On XX/XX/XXXX spoke with XXXX from Ditech again explained that my hardship was due to illnes, something no one wants to go through. But that was over offered to send my payment, and that I was ready to stay focused on my home as a prioty. Did explain that my intentions was not to get into more debt owing more than what I can pay. Also explained I was only focused in my home as prioty. XXXX mentioned that with a lum sum of past due maybe an arragment could be made if it satisfies all parties. On or about XX/XX/XXXX I received a call from XXXX XXXX asking what were my intentions with home. Once again I told them that at no time do I want to loose my home. I did tell him I had some of that past due amount, but that I was short by about 2,000. Something to which he replied ; come on can you borrow that money and send your payment and just get it over with. I said I do not want to get my self in debt stressing myself with another payment. I am working with what I have. I said I know you want your money and I want to keep my home. Mentioned to XXXX what XXXX had mentioned about maybe a lum sum of past due and agreed by all parties an arragment can be made. XXXX replied : dont know why she even said that, there is no way possible. He mentioned I suggest you come up with the money and get it over with.
10/05/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	AZ XXXXX	Web	Older American
My mortgage was sold to Ditech, a XXXX XXXX. For several years I have paid biweekly payments on my mortgage. I began getting automated-telephone calls several months ago informing me that I was late and assessed finance charges. I contacted them and they admitted that I was not late ; that the moneys had been put into a holding account and they would credit my mortgage. However, I continued getting these automated-calls several times a day ( including late at night ). I contacted them again and was informed that I would continue to receive these automated calls until they completed the process of crediting me ... that this could go on for a week to 10 days. The representative told me that I could n't do anything about that. I finally spoke with a supervisor who told me that he would put a note on my account to not continue calling me ; that it was taken care of. This repeated for several months. Finally I was informed that as long as I continued to make biweekly payments, this would continue to happen because their new system could not deal with this ; however, if I applied to make the payments through them ( that they would automatically get the $ $ from my checking account ), I would not have these problems. They faxed me a form last week. I filled it out and submitted it by e-mail. Would n't you know, I started getting phone calls within 3 days that I sent the form in. Again, I called and the representative said that she would make sure that the money that they withheld would be credited to my account and I did not need to make a payment until XXXX XXXX. She said that they did not get the e-mail either. She told me to submit the form again by faxing it. I did this. Would n't you know, I came home and there was a note tagged on my front door informing me to call them to arrange a meeting to discuss my account. No one at Ditech will take responsibility for taking care of this issue. Every time I call them, the representative looks up my account and informs me that I am not late. I have gone as far as begging them to fix it and stop harassing me. I told the representatives that I would imagine that they are getting tired of getting phone calls from me ... to find out that someone does not investigate before harassing me. I tell them that this causes them having to deal with irate, frustrated clients over and over. I was told that they do not mind getting calls from us. Aaaaargh!!! They have taken no initiative to hold anyone accountable for investigating to see if there is a problem ... or if my account is tagged as being current. Each representative that I have had to call again tells me that, " Oh, there is a note in your file that this is not delinquent. '' The way that they report my payments do not show if the finance charges have been removed or if I am labeled as not paying. If this is happening to me, then I am quite certain that this is happening to others. I spend an average of 15 hours a month dealing with this issue. ( multiple automated phone calls to me, and multiple calls that I have to make to them each time ... and the time that I am on hold )
02/08/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92563	Web	Servicemember
XXXX had problem at end of year with this mortgage company regarding paying Taxes on time. XXXX problems again ; received letter dated XX/XX/XXXX from them stating we had an escrow shortage of {$570.00} to be paid before XX/XX/XXXX if not monthly payment would increase to {$990.00}. If shortage was paid the new monthly payment would increase to {$950.00}. We sent a {$600.00} ( XXXX extra ) payment to cover escrow shortage and received by company on XX/XX/XXXX. XXXX {$950.00} bank payment adjustment was not done by us so our bank sent the regular {$920.00} payment on XX/XX/XXXX. On XX/XX/XXXX we contacted mortgage co. to inquire about our missing statement and were informed reason was due to failure to pay mortgage in XXXX. We told them payment was done but we were told we were short {$26.00} on that payment and {$35.00} late fees ( total XXXX ). Contacted our bank and wired {$100.00} payment ( {$38.00} over ) they collected on XX/XX/XXXX. They also cashed our check # XXXX on XX/XX/XXXX adding an extra of {$900.00} to principal and {$300.00} to escrow. On XX/XX/XXXX they received the disputed new payment of {$990.00} for XXXX while waiting for clarifications. The XX/XX/XXXX statement charge us again {$990.00} and {$9.00} late fees. Now they say our new payment is will be {$950.00} starting XX/XX/XXXX. They sent us a check for {$97.00} supposedly of escrow excess ( not cashed in ), we paid {$600.00} plus {$300.00} ( total {$900.00} ). According to their XX/XX/XXXX escrow review the shortage was {$570.00} ( we paid {$320.00} extra to escrow ). The new monthly payment with shortage payment stated on their letter to us would be {$950.00} not {$990.00}. Why the difference of {$47.00} a month for XXXX months ( total {$140.00} ). XXXX dated XX/XX/XXXX from them to XXXX states our payment will go to {$950.00} on XX/XX/XXXX based on a payment of {$990.00} on XX/XX/XXXX. We paid {$600.00} to cover the escrow shortage so, what happened to the {$950.00} payment? XX/XX/XXXX payment made to them : {$920.00} plus {$100.00} total {$1000.00}. If the new payment was {$950.00} and late fees {$35.00} we over paid, I guess they are charging us the late fees to {$990.00}. They are not in compliance with their own estimate XX/XX/XXXX payment, again according to their projection new payment after shortage was paid would be {$950.00} but we were charged {$990.00} we paid and received by them XX/XX/XXXX. XX/XX/XXXX payment was charged {$990.00} plus {$9.00} late fees. We already contacted them by phone and disputed the {$990.00} payment instead of the {$950.00}. We also sent a certified letter disputing escrow account and the new {$990.00} monthly payment instead of their initial {$950.00} if shortage was paid, they acknowledge receiving it XX/XX/XXXX. If they can not manage properly the escrow account we have no problem paying our taxes and insurance on time but first we want them to follow their own estimates a give us the proper credit ( {$900.00} paid to escrow account ) and adjust the monthly payment. We are not planning to cash the check they sent us for {$97.00}.
12/15/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MT 59715	Web
I lost my source of income during the fall of XXXX and fell behind on my mortgage payments that Ditech serviced. In XXXX XXXX, I called Ditech and was told I would not be approved for a modification since any modified PI payment would be greater than the pre mod payment. I was referred to their attorneys. Their attorneys referred me back to Ditech. Despite over ten requests to change my mailing address, Ditech continued to mail correspondence to an incorrect mailing address. Not once did I contact Ditech and find my " assigned '' rep. Between XXXX and XXXX XXXX I contacted DiTech numerous times requesting additional opportunities for modification or alternative ways to avoid foreclosure such as a repayment plan. None were provided other than a short sale and deed in lieu. I educated myself on Fannie Mae 's modification programs. I knew that the XXXX XXXX program had replaced all others and that XXXX XXXX, XXXX was the deadline for its implementation. I also knew that the XXXX program was sensitive to those consumers beyond 90 days default with a foreclosure sale date set. This sensitivity expressly stated that requests for modifications did not need documents or borrower financials if default was greater than 90 days. Ditech continued to insist that any modification request would need an accompanying completed package. Randomly one afternoon in XXXX I was verbally told my flex modification was denied. I had crunched the numbers using the Fannie Mae 's XXXX XXXX waterfall guidelines ( straight from XXXX XXXX XXXX website and on their letterhead ). Under every scenario, my modification would be approved. Ditech said " nope ''. I sent letters of error and for information to Ditech which were answered well after their mandated deadline and also sent to that incorrect address mentioned earlier. The letter provided a breakdown of the figures and calculations they used to deny the modification. The letter provided evidence that Ditech had not followed XXXX XXXX XXXX servicer XXXX guidelines as seen in step 2 which requires an interest rate being set at the lower of my fixed rate or XXXX XXXX XXXX. Also step 4 and 5 of the guidelines were not even discussed as Ditech simply stated I did not qualify. I have all the necessary inputs for the flex mod. I have worked in the real estate field all my life. I have reviewed and calculated dozens of potential scenarios. Ditech has lied to me, misrepresented their actions, scheduled a foreclosure date, refused to offer any other alternative to losing my home. Most importantly TODAY I was told once again that I would not be approved and I could send in a complete package for review but that the date of sale was firm. This one conversation summarizes my experience with Ditech. 1 ) No package is necessary since I am more than 90 days in default under the XXXX program. 2 ) Ditech was affirming a denial that did not include 3 of the 5 steps in XXXX XXXX XXXX servicer guidelines. 3 ) The call ended with an overt Indication that I would be dual tracked even if I followed their fraudulent instructions.
05/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 44256	Web
I received an annual general letter for my PMI on my mortgage. I was curious when the PMI was auto termed so my XXXX XXXX called Ditech on XXXX/XXXX/XXXX and spoke with XXXX. She explained that we can just wait until XXXX/XXXX/XXXX as that was the date it would be considered auto termed instead of going through the appraisal process. We thought that was the end of the conversation until the following week I ( XXXX ) received a voicemail from a client service agent stating to call Ditech back and I can speak with any specialist and they can fill me in on why they were calling. I called back and the first agent I spoke with had no idea why I was called. I proceeded to ask if they can confirm if they were calling on my PMI since my husband called them the previous week. The agent stated they would place a request to the escrow department and call me that Friday which was XXXX/XXXX/XXXX. I did n't get a call back so I called again on Friday and spoke with a different rep. She was giving me a different story stating that my PMI ended on XXXX/XXXX/XXXX and I needed to send a written letter to remove PMI that I was paying on that whole time. I was pretty frustrated at this point with the inconsistency with every time calling getting a different answer so I asked for a supervisor. Once the supervisor got on the phone she was very nice and empathetic and reassuring that all the previous reps up until speaking with her gave me bad info. She reconfirmed with me my PMI should have been auto termed on XXXX/XXXX/XXXX and that the PMI company we have was notorious for continuing to take PMI from clients until they sent a written request. That frustrated me further to hear that, she offered her phone number and ext to let me follow up with her directly. Her name was XXXX at XXXX ext XXXX. XXXX stated I could follow up with her to confirm my fax request was received and once the 7 days process ended from my written request and my PMI was removed she would place a request to refund me since XXXX/XXXX/XXXX since they should of stopped it sooner. She also gave me the direct verbiage to write in the fax request letter to fax to XXXX the due to my PMI being auto termed on XXXX/XXXX/XXXX I want to discontinue my PMI. I sent a letter that same day on XXXX/XXXX/XXXX. I called XXXX on Monday and left a message hoping to confirm my fax was received but she did n't call me back I left a second message on Tuesday XXXX/XXXX/XXXX and still nothing. I called again today and had to escalate once again to a supervisor and this time was told that I was given once again incorrect info and that my PMI is auto termed on XXXX/XXXX/XXXX. This whole process is very inconsistent and I have no confidence on the truth and what is my true auto termed date. I do n't want to wait until XXXX/XXXX/XXXX and go through another round of inconsistent phone calls after waiting all that time. Please help review these calls and hoping they will honor my date that was given on XXXX/XXXX/XXXX since they were very specific they should have some type of ownership for giving wrong info so many times.
09/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MI 48111	Web
My mortgage is with Ditech, which was formerly Green Tree. I admit that my payments have been late. I sent a postdated check ( dated XXXX XXXX ) for my XXXX payment. They presented it to my bank before that day, rather than returning it to me as unacceptable. Finally, on XXXX XXXX, I received a notice about the overdraft ( that notice was dated XXXX XXXX ). I sent a new check and letter that day. My letter pointed out that Green Tree ( the name at the time ) had been in possession of the overdraft check since at least XXXX XXXX, and that for some reason communications from Green Tree/ Ditech were taking nine or ten days to reach me -- considering the dates of XXXX notices I mentioned in the letter. ( In my opinion, they should have received my payment by the XXXX or XXXX, possibly on the XXXX at the latest. ) On XXXX XXXX, a man came to my house to show that someone was living here. He asked to take pictures of the property to show its occupation status ; I granted that permission, but, if he took a picture of me, that permission was certainly not granted. I am presuming that this would count as XXXX XXXX live contact required in the foreclosure process. However, the check I sent on the XXXX cleared my bank on the XXXX, and showed when I checked my online banking balance. I immediately messaged a friend that the check had finally cleared -- ten days after I mailed it. My message to her was made at XXXX Eastern Daylight Time ( XXXX area ). That would be XXXX in XXXX, where the check was cashed. Obviously, Green Tree/ Ditech was in possession of my check and held that check. My complaint could be much longer, but I will stay focused on this : Green Tree/ Ditech is holding check payments on my account, yet seems to be working on foreclosure without written notification that they are doing so. The first, post-dated check, was presented five days after I mailed it. The second check, mailed the XXXX, was not cashed until 10 days after I mailed it, and only AFTER the " live contact. '' Green Tree/ Ditech was in possession of the payment, but intentionally held it up. At the same time, I am getting at least daily phone calls from " XXXX '', even though I have informed the company ( in writing ) that I have a profound hearing loss, and can not use a telephone. I am getting notices from XXXX different addresses like XXXX days apart -- and, those notices appear to have been held up from the date of their issue. As part of its settlement order of XXXX 2015 ( with the FTC and CFPB ), Green Tree is supposed to respond to consumer inquiries in a timely fashion ( I asked them to hold the check, they did n't, I sent a replacement check in which I inquired about their timeliness and have not had a reply ). They are misrepresenting their actions ( I had to ask the man who came to my house WHY he was there, and he said it was to see if someone was living here, that a lot of people had just walked away from their homes ). In short, they are setting me up for failure by holding payments that have been made prior to Michigan foreclosure timeline requirements.
11/19/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 95757	Web
Several recent attempts have been made to the creditor to settle this debt. My claim is that Ditech used Unfair and Deceptive Acts or Practices and was mislead me to believe providing additional information and establishing a settlement amount would lead to a resolution. Ditech stated it must receive financial documents in order to determine a settlement. When documents were received, Ditech agreed to settle in the amount of 10 % and made several calls to " see if we were on track '' to settle the account for the balance. Even as far as to see if I had applied for a loan to get up to the determined amount, I in turn requested the settlement in writing. Ditech, manager XXXX XXXX, specifically stated that they would honor prior conversations stating a 10 % settlement offer. Additionally, Ditech approval manager XXXX, called to gather more personal and private family details, even ethnic background, family size and financial information and related individuals. I advised that I was unwilling to provide such information and was awaiting written documentation of the 10 % settlement agreement. As of XXXX/XXXX/15, Ditech has not called or returned an messages and has not provided the settlement offer. Ditech was made aware that our contact was only made in attempt to settle the debt. By providing the specific settlement amount and agreeing to honor prior communication, Ditech mislead, me as the consumer, by not following up with their promises to settle at 10 % and provide a lien release. I did not receive a settlement offer as discussed nor has Ditech returned or made calls to make good on the promise. Ditech requested extensive financial documents with no intent to settle the debt. Please review FTC XXXX XXXX XXXX legal standards. Ditech has successfully avoided contact with me since XXXX/XXXX/2015, no follow up on dates promised and has deceived me at the debtor. Contrary to our prior conversations on XXXX/XXXX/15, Ditech had no intent to contact me and has continued to act unfairly by deceptively requiring financial and personal information for a settlement and avoiding contact. Ditech mislead me by not following up as promised, by not providing the settlement after calls were made to " keep us on track '' providing the settlement amount without providing the written or supporting documentation. Ditech, formally greentree, has used this practice in the past by promising a account resolution by providing financial documents and no longer responding. They 've used malicous tactics and made degoratory comments regarding my health and the health of my children and family. That is misleading and deceptive and gives consumer false hope of resolution. Specifically providing an amount of settlement and no longer following up is antagonizing and misleading. Additionally, I have discussed my situation with other Ditech account holders and I have reason to believe that other borrowers in a similar financial position but of a different gender and ethnic background have not been treated similarly. I would like this situation resolved immediately.
11/03/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 154XX	Web
XXXX XXXX XXXX taken in XXXX was added to parents bankruptcy XXXX yrs ago. Late husband, me and my parents bought home together so Bankruptcy allowed XXXX on their bankruptcy case. Some paymts cashed, others returned. 3 mos. prior to bankruptcy ending, sold loan to XXXX XXXX XXXX, serviced by Green Tree Servicing. Green Tree merged with DiTech recently. Late husband has been dead for almost 12 yrs., but DiTech and Green Tree have been sending letters to my XXXX address to my late husband. When I contacted Green Tree, it initially seemed it would go smoothly, except there 's over $ 2k with Bankruptcy that should have been posted to our loan more than a year ago and no one will file a claim for the money, they refused to give my atty an accurate acctg, and wo n't give me an accurate balance or establish payments. Atty has quit case Also, I remarried and moved to XXXX in 2006. XXXX transferred loan to a XXXX office and changed the acct no. on the loan. Now that loan has been sold, Green Tree and DiTech have been listing my current husband 's home as the lien property, which it is not. They outright refused to correct the information on their correspondences, even though they 've admitted they have the proper lien address in their computer. I am going to call them again and try to get this straightened out, but the bankruptcy has been deemed complete and over a year has passed. We have n't made a payment because we were advised by either the bankruptcy court or the trustee to keep payments until they correct the lien address, which they refuse to do. I believe they are trying to put us in a position that allows them to foreclose on the property. A rep. for Green Tree told me, in a recorded call, that foreclosure would not happen, but would not tell me what the payments would be. Instead, she told me to offer her a payment amount, and then suggested {$500.00} a mo, which is higher than the original payment. At that time, I would n't agree to any amount because they did n't have the correct balance. When our atty at the time requested an accounting of the payments, including a correct balance after the $ 2k-plus has been posted, they returned the $ 2k-plus to Bankruptcy, stating they did n't know what acct the money was to be applied. Since I have specifically spoken to several representatives from Green Tree, they were completely aware of which account the money should have been applied. Green Tree, and now DiTech, has done nothing but give us the runaround. My parents still live in the XXXX property but are old and sick. We want to sell that property and move them to XXXX with me, but can not do that until we are able to straighten out the account with DiTech. Since they refuse to correct the lien address, I 'm at a loss, so I have decided that filing this complaint may help, especially since the recent letters which have been addressed to my now 12-yrs-passed late husband, were sent concerning submitting a complaint about their handling of our account. These letters were sent, according to a DiTech rep, due to recent litigation.
12/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CT 06770	Web
I am continuously having problems with my Mortgage Company, Ditech. I have had this mortgage for about 15 years and it has been " sold '' to a number of companies over the years with no issues. It then went to Ditech and I am at my wits end in trying to figure out what these people are doing and I can not get a simple answer from them regarding where they get their " figures '' from. I lost my job and was unemployed for about a year but got rehired and all is ok now. Obviously, being out of work for a year put a tremendous strain on our finances and we are still trying to play catch up. I missed a payment in XXXX and again in XXXX or XXXX. I made XXXX payments back in XXXX and as far as Im concerned, should be caught up but everytime I turn around, I owe them more and more money. I told them back in XXXX ( for the 10th time ) that I 'm doing the best I can and that my payment of {$1900.00} a month is a stretch but I 'm doing it. They then proactively decided to help me, kept me on the phone for a half hour and gathered all kinds of information about my other bills, income, etc. She then came back all excited and said " I was approved '' and her answer to my problems was a " repayment plan '' which then changed my barely unattainable $ XXXX monthly payment to {$2700.00}! Going in the wrong direction!!! So, being that I was one month behind and my mortgage is almost paid off, I paid the {$2700.00} in XXXX and XXXX and then I get a letter telling me I 'm in default and I have till XXXX to pay {$3100.00} or they will take my house! What? So I borrowed money from my in-laws and paid the {$3100.00} on XXXX. So I just went online to pay XXXX mortgage pymt and the website says payment due is {$3900.00} and wont even let me change the payment amount to anything less than that. Where does this come from? I missed XXXX payments in 15 years! Made up XXXX of the payments within 3 months and have paid close to three times the amount of the XXXX payment and I 'm still behind? I expressed my anger to the " loan manager '' earlier this week about these fees and this money they keep demanding and threatening to take my house for. No explanation, just that I am " current '' on my " repayment plan '' which means with all of this money I have now paid, they still want me to pay {$2700.00} a month instead of my original {$1900.00}! I asked her why I had to pay {$3100.00} then if I still had to pay this ridiculous " repayment plan amount ''. Her answer was that she does n't work in collections so she could n't help me. I literally have {$8000.00} left to pay and I 'm done! like XXXX payments! and I have spent a fortune in interest for years. Now that Im paying all the principal and almost done, they are making up these insane amounts because they are n't making any money on my loan! So my XXXX payment behind ( {$1900.00} ) has resulted in me paying them an additional {$2600.00} since XXXX and they are telling me Im still one month behind and my current pymt due is {$3900.00}!!! Please help! They are taking my money and crediting me nothing.
05/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92139	Web
Subject : Greentree Servicing extending processing, not evaluating documents properly. Homeowner submitted RMA requesting modification result from medical hardship and filing bankruptcy. Homeowner was denied a MHA loan modification. Homeowner filed all required court documents and to pay mortgage payment separately. Homeowner has a current medical hardship with spouse. Homeowner has an aggravated medical hardship with a family member with XXXX. Greentree failed to take the medical hardships into account. Greentree has begun a double tracking and set the date of foreclosure sale, for XX/XX/XXXX. Greentree is in violation of the DOJ Department of Justice/ XXXX States Attorney Generals Settlement Agreement. Homeowner is being discriminated against in a form of reverse discrimination because of age, race and medical hardships '. This homeowner, feels that his case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 2. No single point of contact has been assigned. 3. Homeowner thought that the mortgage payment was included in the trustee payment. 4. Greentree did not inform the homeowner of his modification options under the MHA Making Home Affordable guidelines. 5. Homeowner and Authorized 3rd Party has made numerous calls ( XXXX ) inquiring on status of his loan modification application, calls were routed to next available agent, comments were : A ) wrongfully advised that documents were not submitted, or lostB ) documents were submitted by homeowner but not located in the data base, orC ) resubmit your documents again. D ) the foreclosure date is set and homeowner is responsible for not providing the requested documents : these XXXX points are causing a state of confusion and terror to the homeowners household. XXXX. Greentree started the double tracking procedure with XXXX XXXX XXXX XXXX on XX/XX/XXXX. Greentree was aware of the loan modification in process, and moved forward with the double tracking anyway. This is a clear violation under the National Mortgage Settlement Agreement ; specifically double tracking while homeowner provided all documents under good faith to protect their home from foreclosure. Homeowner is claiming mortgage processing discrimination in delaying processing : by overloading Greentree processing agents with a case work load of XXXX+ cases as per one agent 's statement. These overload cases are causing a form of mortgage discrimination against homeowners, thus losing their homes to an inability of the Loss Mitigation department to properly manage the existing case load. Alleged violations, included, but are not limited to, the following : a ) Failing to perform proper loan modification processing ; b ) Failing to manage processing agents and special points of contacts, therefore causing a processing center unable to handle homeowners case loads, a form of mortgage discrimination against homeowners.
10/29/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 34608	Web
Green Tree/ Ditech are holding up my loan modification. They put me in a streamline modification and never sent me any info of contract or forms to sign. Told me after I pay the XXXX payments I will receive papers. I owe less than 15 yrs on mortgage and told me the streamline would put me in a 40 yr. I only owe about {$6000.00} in back mortgage payments. I told the loan modification agent I want to apply for HEMP which will be better for me. They told ( me after XXXX applications that conveniently continue to miss only the important page of income verification ), that I did n't qualify. It was like pulling teeth to have them give me a reason why, which they eventually stated they were missing my proof of income again which was untrue as I had prior phone call with agent verifying they had all papers needed. Then they claim I was denied because I did n't live in a designated area. No such requirement!! They finally admitted I was approved for HEMP but they determined I was better served to stay in streamline modification. Really!! They refuse to send me any written info on my HEMP application. They want me locked into a 40 yr mortgage with all service charges, late fees and what ever bogus charges they choose to tack on without letting me know in writing until I 'm locked in. They are obviously blocking all applications for loan modifications by losing papers, not sending timely documents for me to sign, dragging their feet and giving false information. How can a government program be left in the hands of these crooks. I say follow the money and there 's no way the government does n't know what 's going on. Desperate home owners are being forced into a streamline mortgage which is basically restructuring the loan to be extended XXXX the original time left on a mortgage.Forcing an applicant to agree to all the hidden terms until the owner is locked in. It states on the info on the government web site that if a homeowner is offered the streamline it is a great benefit to apply for the HEMP modification as it can greatly reduce interest and additional cost which would be added if one stayed with the streamline. It states that one has only 30 days once the applicant is approved for streamline and paid the first XXXX payments on time to apply for HEMP. So why does Green Tree refuse to allow the applicant the ability to apply for the HEMP. The agents repeatedly claim the streamline is so much better and you do n't need to do anything just make your first XXXX payments. They even lied about when the payments were due. If I had n't been pro active and investigated the actual date payment due I would have been 1 week late. I would have lost my home!!! Green tree/Ditech have no interest in helping the home owner, only how to steal your home for XXXX on the dollar or have you be locked into a high interest mortgage plus extra charges for 40 yrs. Seems like loan shark tactics. I need a good lawyer to look into whistle blower class action law suit. If one see this, I have all documentation and records of dates times and names etc.
07/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43612	Web	Older American
I have a mortgage with Ditech Financial because they purchased by loan from XXXX XXXX Last year in Dietech I was behind on my Property Taxes so I went into the XXXX County tax Department and put XXXX down and agreed to pay {$230.00} per month to catch up on the taxes my property taxes are XXXX. per year at that time I was behind about XXXX. but another {$900.00} would come due in XX/XX/XXXX and then again in XX/XX/XXXX. So the plan would have brought me up to date by in about 12 months when it would come time to make another agreement and also paying ahead. the agreement is in force from XX/XX/XXXX to XX/XX/XXXX and its goal is to pay until you get at by least 6 months. Your property will not go into foreclosure as long as you pay. It also allows for you to miss up to 2 payments with out any consequence. I have done this many times over the past 14 years of my loan and no problem. Each time I keep renewing my contract in XX/XX/XXXX. Most of the time this has happened is because I have had had to make costly repairs to my home and since we filed Bankruptcy in XX/XX/XXXX we have been unable to refinance so all repairs are on us. Despite my having gone and made the arrangement and faxed Dietech a copy of the agreement. they decided to pay behind tax along with the coming taxes for the year. They paid around XXXX. which takes me though to no tax due until they send the bill in XXXX XXXX. The then sent me a letter stating that they would add it to the end payment on my mortgage ( and I am fine with that. ) My problem is now Dietech had sent me a new payment as of XX/XX/XXXX first changing my payment from XXXX to XXXX. In doing so they will be forcing my husband and I into foreclosure. We are both retired and on a fixed income I was working last year but my part time job is no longer available so all of my bills must be kept within my balance. I am perfectly capable of making arrangements to pay XXXX down and $ XXXX month to the XXXX county department in XX/XX/XXXX which is when they allow me to make the arrangements for the coming tax year of XXXX. Which is a better deal for me all the way around because the XXXX County will allow me long as 4 years to get ahead on my taxes as long a I pay each month and renew each XXXX. They will even let me skip a payment or two without nullifying the plan. Dietech 's plan is way to much and I think unfair especially since I did this with XXXX XXXX at least 3 times during my loan history with them. Also Dietech was aware of the payment and the payment plan that I had made in XX/XX/XXXX as I faxed them a copy of the agreement and the payment receipt and they were also aware that I had made a payment in XX/XX/XXXX when they decided to pay the full tax bill them selves now thy plan to increase my mortgage payment by XXXX by XX/XX/XXXX for a tax of {$900.00} which will not come due until XXXX XXXX, XXXX. And they are not affording me the opportunity to deal directly with the XXXX county Tax Department as I have been doing since XX/XX/XXXX when this loan began before I ever heard of them!
05/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM 88310	Web
1. On our about XXXX XXXX, I have been asking DiTech to provide me with an account of my payments, since the beginning of my loan, NOT since they took it over. I have yet to receive a response. 2. XXXX XXXX, I received a letter letting me know that I qualified for my PMI insurance to be cancelled. I called and was told that according to the letter the PMI was cancelled as of XXXX XXXX. The DiTech representative advised me that thirty days from me receiving this letter an audit would be performed and I would receive a refund for the PMI paid from XXXX XXXX to XXXX XXXX. I have yet to receive that audit or refund. I have called and faxed several times and only receive letters letting me know that they received the fax and will get back with me. 3. On my XXXX XXXX, statement there was a fee titled : Other XXXX. When I called to check on it I spoke with about XXXX people that all told me a different story. Story 1. It was for the insurance. All of XXXX, they took out of my payment enough to pay for insurance in the amount of {$1200.00}. On my insurance renewal I found a new insurance company and my premium was {$940.00}. Obviously, I had overpaid on my insurance by over four hundred dollars. Story 2. It was for my taxes. Taxes do not go up that much in our town. They did not have the proof for that story. Story 3. I was behind on some sort of payment but they could not tell me what it was because their system did not show it. Story 4. The company in charge of distributing the Escrow payments had that information. They could NOT transfer me to them. I had to send a fax to Ditech and advise them of my dispute. NO REPLY to date. Story 5. System error and I would see the credit on my next bill. I have that now and NO CREDIT. 4. My payment was about XXXX. Since XXXX XXXX, my bank has been making a payment of {$440.00} every two weeks to DiTech. Obviously, I have been over paying my mortgage some {$140.00} dollars each month. Which is support to go to my principle. I am NOT sure that is happening, because each and EVERY time I speak with someone they tell me a different story. When I have spoken to XXXX whom is suppose to be my account manager she has to get off the phone or simply hangs up on me. Therefore, I do not see how I could possibly be late on a payment. XXXX of my statement for XXXX XXXX reflect a LATE FEE of XXXX charged to me for being late XXXX XXXX. According to my calculations I should have about {$700.00} in overpayments. I do not see them being applied to my principal. I am desperate for some help. I do not know whom to turn to. DiTech will not respond to a question they simply send me letters letting me know that they are looking into it, however an explanation is NEVER provided. When I call, since I have been waiting for a response for over 5 months, they simply transfer me to different people, whom give me a different answer, or simply hang up on me. If you can not assist me would you kindly provide me some ideas as to whom could possibly look at this for me? I appreciate any help you can give me.
05/02/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 28273	Web
Due to medical I got a second mortgage on my home in 2006 with XXXX dba as DItech. Because of the low equity, and the amount of time I was in the home I did not qualify for any other loans. Although I did non need XXXX XXXX would only due the loan if I would let them pay off my car loans and all revolving credit balances which was around XXXX. Because it was an 125 % LTV loan I had to pay 12.25 % interest rate. I was assured by the XXXX rep that I would by able to refinance in a couple of years to a traditional loan with a lower rate after my home had built some equity. Over the next few years the housing market went down, our medical issue 's got worse, my wife lost her job and we lost our health insurance. We were unable to get other health insurance to to " pre-existing conditions '' and the cost. During that time XXXX sold our loan to GREEN TREE SERVICING. After the toke over the loan it turned into a nightmare. When I reached out to them numerous times for help. I was told so many different stories and lies by the company I ca n't even come close to remembering them all. I was told there were no government programs for my loan, I was told it was illegal for them to modify the loan, I was told that GTS now owns this loan and not XXXX and they would not modify the loan or even subordinate it so I could get a lower rate on my first mortgage. THey called my multiple times daily, even if I was late or not. Me and my wife both had to have our phones disconnected to stop the harassment. The called my employer, my wife 's employer and my former employer multiple times a day. Day after day. Even when I told them I had taken a second job at night and slept late they would call me at XXXX and XXXX and not ever say anything, just breath or giggle over the phone. To make things worse I received a letter telling me my first loan was going to be " serviced '' by GTS now. I received the same type of treatment after GTS took over my first loan. They tried to change my due date. Charge all kind of service fee 's. To " see if the home was still occupied '' along with quick pay fees for paying my bill. If i set up a online payment through my bank the would not accept an ach payment so my bank would have to cut a actual check that would take 6-8 days to clear. Just last month they tried to force my into buying insurance for my second loan when I know i was n't required to. After running out of options on how to deal with this company I wrote a complaint to the better business bureau the sent me a packet with a contact number and extension for a person that in the letter I could speak to about help. When I called GTS that person did not work for the company and no one had ever heard of them and the extension was dead. I was handed over to " XXXX '' who I was told was my account rep. XXXX told me I would be given a lower rate and they would never ever subordinate this loan and If i had a problem with that just let the house go into foreclosure. He then hung up on me and told me it was in my best interest never to call back.
08/08/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	AZ 852XX	Web
I am a customer of Ditech mortgage company. I have never made a late payment but over the last few months I have been harassed with collections calls and a man came to my home, despite repeated confirmation from the company that my account is now, and has always been, current. I am suffering from anxiety and my baby has been affected. My family 's peace continues to be disturbed. The company is failing to acknowledge their actions and continuous harassment occurs. According to Ditech Mortgage company, their computers began having problems in XXXX 2016, incorrectly reporting that our mortgage was past due. We have never made a late payment on our mortgage. We pay our mortgage in full every month. I began receiving late notices in the mail. I called for resolution and the company reported that " they 're working on it. '' Phone calls continued but were not documented as I assumed the company would take care of it. I answered every call, had to sit through accusations that my account was past due and " was I ready to pay now? '' Had to convince them every time that it was not past due. Was told, " they 're working on it. '' Shaken up through every call as I was continually accused of avoiding my obligations. On XXXX XXXX, 2016 I received a call at Saturday morning at XXXX while I was in the middle of feeding my 10 month old breakfast, informing me that I had a balance past due. I responded and demanded they stop harassing me. The previous calls were at least during the workweek. Now, XXXX of the only days during the week when I can feed my son breakfast, I am suffering undeserved harassment and interruptions. I am extremely upset after this call. On XXXX XXXX, 2016, a man approached my front door. My XXXX was napping and my dog began loudly barking at the man at the front door. The man was messing with the front door handle. Upon inspection, the man had left a notice in the door informing me that I should call Ditech to set up a meeting to discuss my account. I called Ditech to complain and the company asserted that they are not the ones who send out people to collect debts and they have nothing to do with the attempts to collect the debt. I insisted they provide me with a contact for who in fact does send a representative to collect an alleged Ditech debt, if not Ditech. The company had no response. Company response : " it was an accident. '' On XXXX XXXX, 2016, I received a notice in the mail that I should contact Ditech to figure out mitigation for my past owed debt. Received the notice the day of my birthday party when I had XXXX people in town. Again became upset as my friend watched my open a past-due notice. My family has suffered from this continuous harassment. I am suffering from XXXX. We take pride in the fact that we are current on all our obligations. Receiving threatening phone calls and 'gotcha ' phone calls and having people come to our door has been emotionally disturbing. Please help us as this company refuses to acknowledge their actions and is failing to rectify this situation.
09/08/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CO 80226	Web
I had property in XXXX, AZ. I bought in XXXX as a single Mom. Got married in XXXX and we needed to move to Colorado for better job opportunities. The mortgage was upside down, I set up the property with a rental management company. In the end of XXXX we got behind on the mortgage. I started to work with my mortgage company on a modification in the beginning of XXXX, at the time it was Green Tree. During the process Ditech merged with Green Tree or vice versa. Finally, I was approved for modification payment trial in XXXX XXXX. I satisfied everything, the trial payment and all documents. They sent me a packet in XXXX XXXX to sign and I never received it. I called in XXXX and because the packet was sent back by Mailman, I was no longer eligible for modification. Ditech said " sending packet back unsigned disqualified me for the modification. '' even though it was in there system as " mailman sent back, wrong address. '' Up to that point I was receiving statements from them. I talk to a Supervisor and according to her, they were told in XXXX XXXX, that they had a wrong number for me. They did n't call me but I have had the same phone number for over 10 years. Ditech started to send all notices to the mortgaged address. In XXXX, I find out that my house is in the foreclosure process but they let me try again for a modification. Between XXXX and XXXX I kept sending in documents, every time I followed up, they needed more docs or I sent in wrong docs, updated paycheck stubs, the updated tax form needs filled out. XXXX first I was denied the modification, they give me a whole list of reasons why. I call the lawyer to request reinstatement amount, the lawyer got very upset with me because he thought he spoke with me prior. Which he did not. He also got upset because I called on the first and the sale was on the XXXX, with a holiday. " I 'll see what I can do '' was his response, after I explained I just found out I was denied modification. I got the reinstatement amount on XXXX XXXX about XXXX XXXX time. but because it was the day before sale they did extend my deadline to the XXXX of the XXXX, if I sent a tracking number for the check {$6000.00}. The lawyer did send me a reinstatement from XXXX on XXXX XXXX so I could guestimate the reinstatement. The tenant in my house stopped paying rent in XXXX because all mail from Ditech was going to her and she learned about the trustee sale before I did, I learned from my property management company. I called Ditech and they transfered me to the " Law '' department. The person I spoke to told me that " it was lost cause. '' I had been in communication with various people at Ditech and no one informed me of the scheduled trustee sale, that was scheduled in XXXX. I learned about it in XXXX. The letter they sent me said " did not receive all required docs. '' is why for the denial. XXXX XXXX is when the trustee sale was. My home that I have hung onto for 15 years has been foreclosed. I feel that they are not understanding and I also feel that I was strung along.
08/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28031	Web
My complaint regards one DiTech mortgage payment made in XXXX 2016 ( FYI-The account was paid off XXXX 2016 ). In XXXX 2016, Ditech sent me paperwork ( attached ) which indicated that my new payment had decreased by {$84.00} because my tax escrow amount dropped. When I adjusted my online banking automatic payment, I inadvertently set the new amount to be paid in XXXX, the next month. Unbeknownst to me, the new amount was n't to be paid until XXXX. On XXXX XXXX, a DiTech representative ( XXXX ) contacted me to say I missed a payment, which he later discovered was not correct. He said my payment was made on-time, but it was short {$84.00} because I paid the new lower amount a month too soon. I immediately paid the difference over the phone ( see receipt from XXXX XXXX ). He said it was an honest mistake and not to worry about it and he would take care of it and he would also remove the fee. Then, a month later in XXXX when I was preparing to sell that house and buy a new one, I discovered that my credit score had dropped about XXXX points because of that mistake. I immediately called Ditech and spoke to another representative ( XXXX ) and she too said it was an honest mistake and not to worry about it. But, I requested a letter stating what happened for my new loan and the credit bureaus. She said YES and that it would be mailed out to me in 5 days. When I did n't receive it after 5 days, I called again about where the letter was and spoke to a third representative ( XXXX ) and she said DiTech can not do anything, not even a letter. I then asked to her supervisor ( XXXX ) who also said she could do nothing. At that time, I had my loan officer get on the phone and XXXX who insisted that she spoke for the entire company and that we can not talk to her boss or anyone else above her and she would not transfer us. She said in this matter she is the only person I can speak to. She could see from all the notes that the {$84.00} issue was correct, but she refused to do the right thing. Since that conversation, ironically, DiTech still keeps sending form letters stating that they are looking into the matter which is evidence that some people in that company think I have a case, despite XXXX 's insistence that she governs all such matters. She would not give me her last name. So, I am writing to you for help. I have had mortgages and made full payments on-time for many homes time for about 20 years and not rectifying a simple {$84.00} mistake seems abusive on the part of Ditech. I lost valuable time and lost a lot of money ( {$25000.00} ) trying to navigate around this issue. They need to honor their promises verbal or not. She could see in the notes from the different representatives that my story was true, but she refused to provide me with a letter to send the credit agencies. My credit score was once XXXX and now it is XXXX and I had to liquidate some accounts $ XXXX in order to qualify for a new mortgage. And, now I was just denied a a home equity loan because of the low score from a silly {$84.00} issue.
07/13/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NJ 08080	Web
The respondent was the broker for my mortgage to purchase my property. The transaction closed on XXXX/XXXX/2014. Prior to closing on any property, I had been given lock-in of the mortgage interest rate that lasted anywhere from XXXX days, which was done prior to closing. My mortgage broker/loan officer, XXXX XXXX, an employee of the respondent, left the loan float without offering the option to lock. In fact, the lock-in documents I have were executed at the closing table and were for a XXXX day period. Therefore, he left the loan to have a floating interest rate. This caused my interest rate to increase from the quoted 4.25 % to 4.5 % and was reflected on the HUD documents. This increase caused me to incur {$13000.00} in extra interest costs if the loan is carried to term. I was angry but remained silent. Six to nine months later, XXXX XXXX contacted me to refinance at 3.8 %. I explained that I was upset about the previous loan and that if he was contacting me I would help him out to earn a XXXX commission if several conditions were met : 1 ) Absolutely XXXX closing costs or refunding of the escrow 2 ) No increase in the loan amount, and 3 ) the interest rate quoted was locked in. When XXXX XXXX ran the loan and failed to meet these pre-defined parameters, he became aggressive. I demanded and spoke with the CEO XXXX XXXX who told me he could not make the loan because they would not make any money with those parameters. I explained in detail what happened with the original mortgage and the failure to lock in the rate. Because the position of loan officer, is a variable compensation position, there is an inherent conflict of interest between any loan officer 's personal priorities and that of the borrower. Because of XXXX XXXX 's flaunting of an expensive personal taste ( golf outings, high end automobiles, and vacations ), I felt that his interests were conflicted. As such the terms provided were best for Greentree Mortgage and not the customer. Since this time, I spoke with other mortgage lenders and explained this situation. The mortgage lenders were with XXXX XXXX, XXXX and XXXX XXXX. Both, independent of the other, stated that the practices outlined above are highly unusual. Both lenders encouraged me to file this complaint and educated me on the CFPB. I have received calls from XXXX XXXX claiming that I was causing him to lose his job and making him look bad to his boss. He stated " I hope you never see me in XXXX. '' The tone of his comments could have been understood/misunderstood to be in a threatening tone of voice. In response to my demands for a refund and a confidentiality agreement ( which would render me silent ), he threatened to call the XXXX XXXX Police Department and file charges against me for extortion. I explained to XXXX XXXX the definition of " disgorgement of ill-gotten gains '' and how my demand for a refund is not extortion. Details of this call were able to be recorded because New Jersey is a one-party consent state when it comes to recording telephone conversations.
11/08/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98664	Web
We want to drop our PMI on our home loan through Ditech Financial. I formally requested ( in writing ) this be dropped and was informed we needed to have an appraisal completed first. We sent in authorization for appraisal and was told we were responsible for 50 % of the {$420.00} appraisal fee due to living in the State of WA ( law ). We were also told that the appraiser had to be appointed through Ditech. We had our home appraised XX/XX/XXXX. We received the appraisal approximately 3 weeks later after following up multiple times via phone with Ditech to inquire on status. The appraisal had multiple mistakes ( square footage incorrect, bad comp 's, etc, etc ). I began the process of trying to get answers on how to formally request a dispute. I had to call 3 different times and received various and different responses on how to actually go about this. Finally I found someone who said I needed to submit it in writing. I submitted my formal dispute letter on XX/XX/XXXX via US Mail. This package included over 45 pages of detailed reasons as to why I was disputing the appraisal, with backed up evidence/facts/comps, etc. I even included the Tax Assessed value from the County Tax Assessors office which was significantly higher than the appraisal amount. ( See attached ). I still can not get anyone to respond to my formal dispute. I have made the following attempts at contact and still stand waiting. I am so frustrated and need answers. The will not help me and I still continue paying the PMI month over month, even though the value is there in our home. Please help us. Lastly, they also mischarged us for the appraisal itself. We were told IN WRITING that we are only responsible for 1/2 of the {$420.00} appraisal amount, so {$210.00}. They have billed our account and are taking my extra monthly principal payments towards " advances '' and claim that we owe {$560.00} still. They have taken {$160.00} towards advances, but on my account only it shows posted to my accounts in a category of " Late Fees '' We have NEVER been late on a single payment since loan inception on XX/XX/XXXX. I asked how they even came up with that and a supervisor acknowledged there were billing errors on their end and he would look into it. Again, no calls back. See below details on my calls and web Inquiries via the Ditech.com site ( logged in ) where they promise a 30 day response - STILL they have never respond to a single web inquiry. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've done everything in my power to try and get them to help us with an incorrect appraisal, incorrect billing of appraisal amount and gross misconduct of mis-applying my additional monthly principal funds to " advances '' or " late fees '' and they will not help us no matter what we try. Can you please help us, we are desperate and so exhausted/frustrated. I am sending this exact complaint in a letter form to Ditech today as well. Thank you in advance.
05/13/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MN 550XX	Web
Good Day : I received a letter today asking if I had any complaints about your service or the way this loan has been treated. First of all - this was over 10 years ago. I did try to short sale the property. You denied taking the money. Not Green Tree but XXXX, XXXX, XXXX now yourselves are trying to do something. You can attempt to collect this debt all day long but KNOW that you will not receive one dime. You denied taking the money first off - you sold it at the sheriff sale for MUCH more then it was worth - over {$210000.00} - so you received money from your insurance division for the difference, then you sold it for {$190000.00} so your establishment made more money then this debt was to begin with ... so why continue to try to collect when you made too much money??? Funny how you banks were bailed out taking all of our hard earned money to support your rich habits. All banks make so much money it is crazy - thats all you see these days new banks everywhere. You should have never been bailed out by our government. Our government should be abolished so us Americans can live. Land of the Free - with all these banks taking advantage of every American up until 2 years ago - where loan officers could do anything in their power to rip off innocent people and continue to do so - but at least not they are regulated it still is a scary deal. As you can see I am XXXX - I did purchase properties but had no clue that these loans were fraudulent until after the fact!!! Title could not explain the type of loan that was in writing. Interest only loan - XXXX with a cap - but XXXX did not see the mortgage documentation or the note attached. There was a cap but they continued to raise the interest rate - EVEN when the interest rate was not raising!!! How is this right?? Banks continue to try to modify loans WITHOUT a loan officers license ... SCARY!!!!!! the CEOs of many banks took our money from the government and ran away. Funny how that worked. Anyway - YES I HAVE COMPLAINTS about how all mortgages were handled back in the day of NO LIcensure for loan officers. Steal from the poor to give to the rich!! Thats our government!!! And it continues every single day of our lives. Politicians are all crooks and continue to be - NO COMMON SENSE OUT THERE AT ALL!! I see people from other countries coming here to AMERICA and receiving SOCIAL SECURITY benefits and have NEVER WORKED A DAY IN OUR COUNTRY. What the flip is that all about???? They get money handed to them BUT OUR AMERICANS have to fight for their money! Hard earned money that they contributed too and can not receive. Thats our government yet again taking advantage of Americans. Hungry children in our country get no assistance again because government sends our money to everyone else but US!!! Thats it for now - enjoy your day!! Share this email with everyone out there that needs to know how our government really is and no one will do anything about it!! SO SAD!!!! -- XXXX XXXX XXXX XXXX Office XXXX Fax XXXX Direct XXXX Cell " XXXX ''
01/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 21043	Web
My wife and I purchased our home XX/XX/XXXX for {$350000.00}. Since that time we have made timely payments each month and made significant improvements to the home. By XX/XX/XXXX mortgage balance was slightly less than {$290000.00}, while the market value of the house increased to somewhere between {$400000.00} - {$450000.00}. The mortgage has been held by multiple banks since inception, and was held by Ditech Financial XX/XX/XXXX, when we made a written request to cancel the PMI, based on the principal balance to market value ratio. In response to the PMI cancellation request, Ditech contracted with local Realtor XXXX XXXX to perform a Broker Price Opinion ( BPO ). XXXX XXXX came to the house to evaluate the property, and orally stated to us that it would " easily value at {$400000.00} or more ''. However, it is apparent that Ditech then communicated with XXXX XXXX about the principal balance left on the mortgage, and which time she returned a BPO with a value of {$380000.00}, several thousand dollars below the amount needed to cancel the PMI. Several facts make it clear that the final BPO was manipulated. Firstly, the BPO listed XXXX comparable sales, and in XXXX of the XXXX comparables the " Adjusted Price of Subject '' was significantly above {$380000.00}. The only comparable that set an " Adjusted Price of Subject '' less than {$380000.00} was 'Comparable # XXXX ' ( {$380000.00} XXXX and this property is located in an entirely different county, in less desirable school districts. Looking at the " Adjusted Price of Subject '' of the other XXXX comparables, the average figure is {$400000.00}. Even including Comparable # XXXX, the average figure would still be over {$400000.00}. Additionally, the Realtor selected XXXX comparable as being " Most Similar to Subject ''. These XXXX properties established " Adjusted Price of Subject '' values of {$430000.00} and {$390000.00}, for an average of {$410000.00}. Finally, the " Additional Comments '' section of the XXXX undermine the final determination reached by the Realtor. In this section ( page XXXX ) the Realtor notes the extensive upgrades made to the property. She expressly listed the major upgrades made, and notes " Upgrades equal to {$48000.00}. '' Given these upgrades, and the purchase price of {$350000.00}, even if the property did not increase in value since purchase ( which it undoubtedly has, as has every property in our neighborhood ) then fair marker value of the house would still be around {$400000.00}. Please note that all of these values listed above are greater than the {$380000.00} value listed in the BPO, and all of these other figures would have resulted in the cancellation of our PMI. Finally, while it may or may not be relevant the Realtor who conducted the PMI was the exact same Realtor who represented the seller when the purchased the house XX/XX/XXXX. She knew or should have known the value of the house at that time, and undoubtedly is aware that prices have increased in the neighborhood since we bought our home.
12/14/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WV 256XX	Web
Ditech, XXXX XXXX XXXX, Green Tree it whatever title the company is going by this week is a joke!! I have been a victim of them for far too long. Not only are the employees rude, it goes beyond that, they downright harass you, and hang up on you if you decide to say anything back to them. My husband and I took out a mortgage with Green tree homes in 2013, this was by far the worst mistake of my life!!! In the beginning I was told my house payment would be {$450.00}, and the total cost of my home was {$51.00} XXXX. The House didnt even have a septic system so before buying we also had to finance this in with the cost of the house. The septic system that was put in never worked correctly and weve had to have it pumped once or twice a year. On top of that this took my {$450.00} payment up to {$600.00}. Fast forwarding some green tree has switched and is now ditech. I never agreed to finance through another company and had no knowledge of this. Fast forward again, we got behind on 3 payments around XXXX one year..they started harassing us and even called my neighbors stating my house payment was behind!! How embarrassing that was, and I never gave them permission to talk to anyone else about my account!! Fast forwarding again, my husband is currently laid off his XXXX and XXXX job and we are left without any income. I called ditech to see if we could do some sort of modification or payment deferral. The representative told me he has spoken with his manager and the following week when I came up with {$740.00} to pay on the escrow of the house and property he would deffer the payments we missed to the end of the loan. I call back to make that payment where Im informed that no deferral was ever approved, even though I was told it was. They told me making the payment wouldnt help me any because my account was getting ready to go into foreclosure. They said I either needed to pay all the past due amount or just let it go and lose my house and property. I told them I was going to look into filing bankruptcy because I do not want to lose my home. I call back and the representative asks me what Im doing with my money and says this is my home and I should be concerned about whats going on even though Ive worried myself so sick over all this Ive had to go on anxiety meds. I tell her Im trying to file bankruptcy and my lawyer should be contacting them, she then tells me it may not stop the foreclosure!!!! Why, I asked her and she said because thats the process. I told her she didnt have to be so rude to me, I was just trying to understand the process and shes provided me with the worst customer service Ive ever received in my life!!! Then she says goodbye and hangs up on me. This is by far the worst company Ive ever dealt with in my life, and theres so much I can explain further about all theyve done to us! Ive also saw online several class action suits against this company for kinds of fraudulent activities. Someone please do something about them, they rob people!!!
09/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 90025	Web
In the past, i have submitted complaints about green Tree loan servicing company. I tried and tried to get a loan modification with them, spent hours faxing/ certify mail documents to them. I was promised by the original lender, XXXX XXXX XXXX, that they would be able to and happy to mocidy my loan, as i met all the requirements. then they sent me to Green tree. ... .and they illegally denied me a loan modification. the CFPB cracked down on them, and ordered them to pay XXXX dollars to people like me. i called the settlement administrator yesterday, and, to my dismay, a rep there looked and looked at my name and adresses and said.. I am NOT ON THE LIST to get compensated?? ... ... please explain. -- -- - i got a letter just recently from the now " DIETECH '' I hadnt heard a thing in months and months. their letter stated that I was not eligible for a HAMP loan modification because that is for people who got their loans ( bought their house ), before XX/XX/XXXX. the letter stated that my loan was " ORIGINATED '' XX/XX/XXXX, and therefore not eligible. This is incorrect and DIETECH may be able to fool most people with this letter ... but I have been a realtor for over 20 years so I know more than the average joe. I bought the house XX/XX/XXXX. this is the house I needed to have the loan modified. i put XXXX dollars down on a XXXX dollar house. the loan was done by XXXX XXXX XXXX. I was paying everything and working and all was fine until I became XXXX and unable to work. I was contacted by a XXXX XXXX XXXX loan agent that I was thinking to refer buyers to, and he coerced/ convinced me to do a REFINANCE on the original note, XX/XX/XXXX. the bottom line is that i was, and the property was, eligible for HAMP loan modification. the refinance was merely aan alteration on the ORIGIBAL NOTE for the property, signed, dated, bought by myself XX/XX/XXXX. this is within the " before XX/XX/XXXX '' guideline. the Hamp program was designed for people who bought during the " peak of the market '' .. and now had upside down mortgages. my home, that I bought in XXXX WAS upside down by the time you figure i had a first, and a second mortgage. i beleive that Green tree, now merged with DIETECH ... has written their reason for not giving me a hamp loan to the CFPB ... .... and perhaps thats why the CFPB thinks that I am not a " victim '' : and i am not on the list to get a little compensation from this Nightmare that Green tree/ dietech has caused. .... the CFPB thinks i bought the house XX/XX/XXXX??. as i said, the original note for the house was XX/XX/XXXX. the refinance that i did at XXXX XXXX insistance, was A modification or an altered note to the ORIGINAL NOTE ssigned by ne as promis to pay XXXX XXXX XXXX , XX/XX/XXXX. i should have been given the HAMP loan modification. its really too bad that some banks let people defer their payments for 6-8 monthsm shaved XXXX dollars off the principle, etc ... and i had to lose my home. i really miss that home and that town so much.
12/28/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	VA 23434	Web	Servicemember
During the process of selling my home in XXXX, FL the title company, XXXX XXXX XXXX requested a loan payoff amount as is industry norm. XXXX XXXX XXXX received the payoff amount by fax on XX/XX/XXXX from the lender, Ditech, which showed the payoff of XXXX listed on the statment as valid throughXX/XX/XXXX. XXXX XXXX XXXX paid this amount to Ditech on XX/XX/XXXXwith electronic IMAD # XXXX. I received a letter from Ditech approximatelyXX/XX/XXXX that stated that my payment was late. I contacted Ditech and they informed me that they had mis-applied the monies and that they in fact had a surplus in the account that would re-disbursed to me no later thanXX/XX/XXXX. On XX/XX/XXXX I received a letter from Ditech stating that my loan was still open and that I owed in excess of {$800.00} that was dated XX/XX/XXXX. Upon calling Ditech I was told that they paid the taxes on XX/XX/XXXX therefore, the payoff letter was nullified. Ditech charged me in excess of {$1000.00} dollars in interest on the loan during this time. I then paid {$1000.00} from my personal account onXX/XX/XXXXto satisfy any possible outstanding balances even though there was a surplus of more than {$570.00} in my escrow account. Pursuant to federal law, being that the taxes for year to date had not been paid by anyone on XX/XX/XXXX, upon closing, XXXX XXXX XXXX paid the taxes on the property and they were received by XXXX County Tax Collector on XX/XX/XXXXwith a check that cleared that same day. The reference number for the check is XXXX in the amount of {$1200.00}. XXXX County Tax Collectors office informed me by phone on XX/XX/XXXX that they did not receive a check from Ditech for the taxes untilXX/XX/XXXXand the envelope the payment arrived in was post markedXX/XX/XXXXThis does not match the payment date of XX/XX/XXXXas stated by Ditech. The rejection letter for the payment and check were returned to Ditech on XX/XX/XXXXby XXXX County Tax Collector as the account had already been paid by XXXX XXXX XXXX on XX/XX/XXXX XXXX County Tax Collectors Office can be reached at XXXX option 2.I have all documents referenced and those that show I was continued to have interest charged on my account in excess of {$1000.00} even with the exacting dollar amounts listed as pay off delivered within one day of the payoff letter being faxed to XXXX XXXX XXXX. I have spoken to 5 or 6 different employees and each one has " no idea why all this happened '' but they " apologize and will do what they can to help '' which to date has been nothing. These people need to be held accountable for their ILLEGAL and UN-ETHICAL practices. Again, Ditech has not provided truths in this manner and this falls under predatory and illegal practices. Additionally, they have to date REFUSED to put any of the conversations over the phone in writing with me and they have REFUSED to send me a statement of my account with full payment history. They have preyed on me as member of the US Military and I am certain they have done the same to others.
01/04/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 956XX	Web
Continuation of Case No : XXXX-Ditech Financial LLC Ditech did not honestly address the issues in my original complain beginning with the charges added to my bill for " repairs '' and they continue to fraudulently add charges each month for " repairs '' and/or " utilities '' that are not actual charges incurred on the property. I have attached my billing invoices from Ditech to show the charges each month starting with the XXXX statement showing the charges to prove the amounts they have charged. I have also attached a copy of my Alabama XXXX billing statement to show a complete summary of how much my monthly charges have been up through XXXX when Ditech called them and took over billing for the power on the property. My Alabama XXXX monthly charge has not been over {$39.00} since the home has been vacant. You can see that on this invoice beginning in XX/XX/2016. Ditech has NEVER paid for the Water/garbage on the property and I recently had the water turned off to the property and closed that account when Ditech informed me that they had the property winterized. I do n't know if they have actually winterized the property or not because I am 3000 miles away but since I have been told by a neighbor that there was a sign on my door that it had been winterized I am assuming it has. ( Although XXXX informed me that they were never contacted by anyone to winterize the property or turn off the water to the property by anyone other than me ). As you can see by the Ditech statements beginning with the XXXX statement and ending with the XXXX statement, I have been charged a total of {$1600.00} in additional charges labeled as " repairs '' and/or utility fees. I still have not received any invoices for these charges and I have asked for them several times. Also my deed in lieu has been approved and all additional liens that were showing on my home were cleared up within 1 day by me once I was informed that they were showing on my title. I also had all remaining articles removed from my home that Ditech stated they would charge me {$250.00} to remove at closing which was supposed to be on XX/XX/2016. The only thing I have heard from Ditech was that they were having trouble with XXXX and the negotiation of my second loan because they would not accept the {$2000.00} that they were offering them to settle their $ XXXX loan. I have been given no other alternatives and I have been told by XXXX ( the loan company for my second mortgage ) that the representative from Ditech has only called them 1X to discuss any type of settlement. Again, the communication with the mitigation representative ( XXXX ) at Ditech is unacceptable. I only received call backs the first week after my first complaint to CFPB. I need this resolved. I demand a NEW mitigation representative who is dedicated to resolving my deed in lieu and my negotiations with my second mortgage company. I demand answers. I demand integrity. These additional charges on my account are fraudulent and need to be investigated!
05/03/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 32810	Web
Ditech is a substandard lender and needs to be looked at further for thier illegal tactics. On XX/XX/2017 my son returned home from a four day trip to Florida. When he arrived and tried to use his key to enter the front door of our home, he was unable to because the home had a lock on the door and his key did not fit the lock so he went to the side door to enter the property, only to find out someone had been in the property. To make the long story short, after Ditech had hired a company called XXXX XXXX to take control on the home and prepare it for what was called winterized they went into my home and winterized my property with out notice to me they basically kicked me out of my house, placing plastic on everything and changing the lock and adding a lock on the front door. I had been trying to get a Deed in lieu from Ditech however they kept giving me excuses on why I did not qualify for the deed in lieu, the message they sent me said I did not qualify for a deed in lieu with a FHA home loan because I had not attempted to sale the home by short sale first, so I was denied the deed in lieu. So I contacted a real estate agent and gave them the information, who has had the hardest time contacting Ditech and speaking to anyone to get the necessary information to list the house on the market. Finally, the real estate agent reached some one and retrieved the information needed to start the listing process. In the mean time, Ditech went into the property to do an inspection to tell the agent how much to list the property for, then they gave the information to the real estate agent. The house is listing today, however I received a letter from Ditech telling me now that I dont qualify for a short sale I'm denied stating You were evaluated for a loss mitigation assistance based upon the eligibility requirements of the Federal Housing Administration ( FHA ) and XXXX the owner of your mortgage account. Based on a careful review of the information you provided to us you are not eligible for FHA Special Forbearance due to the following reason ( s ) - Your account is secured by condemned or vacant property and, therefore is not eligible for this program. We only moved out of the home after the property management took it over and Ditech clearly knew this because I called them and told them this during my complaint to them about going into my home violating our space taping up everything and ripping down window covering and everything else they did ... XXXX Ditech is playing games they do not care about consumers at all. Please investigate Ditech and this complaint and advise them to do the right thing and let me have a loan modification. I do have the paperwork verifying the above information. The only reason my property became vacant is because they violated my home changed the lock and added a lock violating our space and removing our normal access to enter the home though the front door because the lock was changed and an additional lock was added on the door.
07/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web
I previously made a complaint to the CFPB onXX/XX/XXXX against Ditech Financial LLC f/n/a XXXX XXXX XXXX which is same company with different name. What they did before reporting information to the CFPB was change my credit reports which I reported XXXX where they had me in repossession as of XX/XX/XXXXtoXX/XX/XXXX and it was also on my XXXX report. I never made a payment inXX/XX/XXXX because the monthly billing statment said I was past due with billing for XX/XX/XXXX and for for XX/XX/XXXX, which I never received was double the amount that they provided to the CFPB which showed a past due amount bill XX/XX/XXXXwhen my payment wasn't due til the XXXX per my promissory note, because they were relentless in harrassing me on a daily basis. I disputed the information with XXXX on XX/XX/XXXX and with XXXX which I believe was on the same day which Ditech Financial Refused to change. On my XXXX report it shows last payment on XX/XX/XXXX but under payments it shows I made a payment inXX/XX/XXXX. On XXXX it shows Date of 1st DeliquencyXX/XX/XXXX and Date Maj Del. 1st Rptd on XX/XX/XXXXso they are trying to keep this on my report for 8 years. Does Ditech Financial LLC not understand the law that it starts from the first on XXXX it shows XX/XX/XXXX being paid. In XX/XX/XXXX, Ditech Financial sent me a set of spreadsheet and IRS documents. I just found all my paperwork. Since the CFPB does nothing but collect documents and take the word of creditor and close the complaint without question, I am contacting the FBI Crime Fraud Unit which will investigate with IRS as you call charge offs. Your spreadsheets don't match up with my all of my paperwork which means you have been defrauding the government and writing off more than you should be which includes other people. Aren't you aware of the law that once a property is foreclosed on and becomes the property of XXXX XXXX etc., and the time starts from the 1st delinquency and comes off after 7 years from that date. Also, when the property was put in different name through XXXX, the notary on my assignment through XXXX XXXX XXXX in Florida was a fraudulent signature. I got a copy of the notary signature through the state of Florida for XXXX XXXX, MA, and they don't match. So I will be reporting this to the appropriate government entity in Florida against XXXX XXXX. If the FBI won't investigate it, I'm going to a t.v. station in XXXX XXXX, Ca. Maybe I'll see you in court or maybe not. I was sick of Green Tree Servicing and now I'm sick of Ditech Financial with all your lies. I would like to know why my whole credit report changed when Ditech Financial took over which I have proof of. I'm not going to provide the documents because you already have them. I will have every person you made a loan to and/or servicing requesting every document on their loan through Ditech Financial LLC, and I'll make sure they don't get the run around like you gave me last year and you never gave me any of the documents I requested last year.
12/11/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	FL 33598	Web
Lis Pendens finally released after fighting with GreenTree/Ditech with the help of HUD, XXXX, XXXX and Florida 's Hardest Hit. However, the process was a nightmare with Ditech they did everything possible to foreclose on us luckily I had big guns behind me. The rep from XXXX ( HUD affiliate ) had to do a couple of conference call with Ditech and myself on the line to straighten Ditech messes up..after getting all the paperwork for re-modification which was submitted in a timely manner TWICE received letter from Ditech informing us we were denied modification as they did not receive paperwork on time. When the XXXX package of identical paper arrived at my house I contacted XXXX Our rep from Greentree, the only person I was allow to speak to at Greentree, Of course as always XXXX does n't answer his phone ever, left voice mail asking why do I have these same doc 's what should I do ... .No response ... called again ... voice mail to date I have not heard from XXXX ... NO letter no call just left me hanging so, another XXXX conference called got it straightened out to which Ditch admitted they Had all the paperwork needed for the re-modification but, we did n't sign the papers in the right way ... so DENIED!!!!. It 's been a total absolute NIGHTMARE dealing with this company..true bottom feeders. Re-Modification started XXXX 2015. When submitting XX/XX/XXXX payment via XXXX XXXX XXXX, ( can not trust Ditech website to actually process a payment as I can not Even contact them using their own contact form.on their own site, advised the company several times, no improvement ) noticed a fee of {$55.00} thinking that was a late charge I emailed the company using an email address from customer service, Ditech states it can take up to a month for an response. Today I received a letter from Ditech referring our account to a specific rep and contact her only, no answer to previous email. Called the rep today and asked why is my account being charged for XX/XX/XXXX and Now XX/XX/XXXX a {$55.00} fee, what is that for??? Informed that my payments went up an additional {$55.00} per month for the next 10 months for legal fees. Amazing that fee just occurred in XXXX 2015 and not on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XXXX 2015 started in XX/XX/XXXX No letter stating anything no correspondence of any kind alerting me to the increase of any fees ... After all the work to get our account current I am now behind exactly {$55.00} for fees that JUST Appeared ... Spoke to Ditech manager and lost it after all they have put me personally through I am going NUTS with this company and I can honestly say I hate them. Yet, here they are working with XXXX a federal government program for the people and XXXX is now connected with the lowest of the low, complaints reign supreme for Ditech so, ranting online about them is useless Yet, they giving out loans via XXXX I want to warn Americans STAY AWAY FROM DITECH. XXXX Pay attention to Ditech..they are the worst mortgage company out there
04/21/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30088	Web
To Whom It May Concern : I have lived in the XXXX County area for 24 years and want to spend my retirement years in my XXXX XXXX XXXX. I have always been heavily involved in community service, the last time being when I helped XXXX Link ( a non-profit organization ) market to people with XXXX that need help. I worked for XXXX XXXX for 10 years and then transitioned into marketing in XXXX. I was doing fine until my hardship hit in XXXX. My XXXX began to fail prior to XXXX, and after struggling for quite a while on the job I was finally forced to retire after my first XXXX in XXXX. After XXXX more XXXX ( the last in XXXX of this year ), I am now considered XXXX and on permanent XXXX. And on top of the fact that I could n't work anymore, I also had the cost of my prescriptions skyrocket as well. All of this caused me to fall behind on my mortgage payments. Unfortunately, I may be forced out of my home by my current lender ( Greentree XXXX since lately they have not been willing to work with me to retain my home. The only communication I have had with them is how much I owe on my mortgage and how to pay them. They have no interest in helping me and it appears as though they just want to take my home away via foreclosure. I have tried to obtain an affordable loan payment, but the assistance I have been offered has been minimal. Since XXXX, I 've been trying to get Greentree to modify my loan. I even tried with the help of other agencies including the XXXX. After dealing with Greentree on my behalf, all of these agencies trying to help me said it was " ridiculous '' how poorly Greentree was treating me. Every call made to Greentree resulted in having to leave a message that was never returned. When we did reach someone, we were told to submit paperwork -- -then literally the next day, I got a denial letter in the mail and/or that person was transferred to another department. When Greentree finally acknowledged my need to modify my loan, they came back with an offer that significantly raised my monthly payment!! Is n't it obvious with my hardship that I need a modification that makes it easier to make payments, not one that eats up over half of my fixed income? I know they have guidelines to follow when it comes to how much of a borrower 's income should go towards their mortgage payment ... .why would they make such an unreasonable offer? It sure seems like they are just going through the motions so they can put it on me that I did n't accept their offer of help, justifying their foreclosure on my house. Furthermore, my property value has severely declined as well. But I still want to keep my home!! I 'm not looking for a handout. I want to get back to normal and not be facing imminent foreclosure. It 's stressful not only emotionally, but physically as well. I just need someone to assist me in getting Greentree to use some common sense to solve this problem. I would be forever grateful for any assistance that can be provided towards that goal.
10/06/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	AZ XXXXX	Web	Older American
Ditech is the company that services my loan. I make regular payments to be applied directly to the principal in addition to the regular payment. They do not credit the additional payments in a timely manner, which affects the amount of accrued interest which inflates the loan amount and does not accurately reflect the accurate principal amount. Now, Ditech has not applied any of the additional payments that they have received since XXXX. I had so many issues with them not applying the amounts in addition to not taking the automatic payments that I signed up for. I was forced to make the payments myself and I even sent the extra principal payment in a separate check. Their records document that they received all payments but did not apply them. I have contacted them numerous times regarding this. They still have not addressed this. I have been told that my only recourse is to continue to call them. Escrow : Ditech sent my hazard insurance payment in the wrong amount and with a wrong account number to my insurance company. The payment was returned ; This started a chain of errors, with them making double payments ( 2 on the same day ) leaving my escrow account underfunded. They notified me that my monthly payment would increase by {$200.00}. They made an escrow advance, which I was charged for to make the payments. They refused to work with my insurance company to resolve this after numerous attempts by the insurance company to rectify this. They flat refused to even contact the insurance company and would not take my company 's telephone calls. I was hung up on, passed around, and generally mistreated. No one could ever find any record of me contacting them. Finally I had to make the premium payment myself directly to the insurance company because they said that they canceled my policy. Luckily for me, my agent was able to reinstate it since there was no history of any late payments. He got a 2 month extension. The money for the premium is in my escrow account and there has been no action since XX/XX/XXXX. Each time I submit an inquiry they keep informing me that I would be contacted ... yet they have not done so. In my last 2 communications I asked to be reimbursed for the payment that I made. The money is there. In addition, I informed them that I would assume responsibility for making all insurance payments myself, and want the amount of the escrow payment to decrease. I made it clear that my escrow payment be recalculated to reflect that they no longer will collect money from me for insurance payments. I have made numerous attempts to resolve this. On most attempts to submit my concerns, I receive a message that they were experiencing technical difficulties and the message was not sent. I can not retrieve the message. They have also informed me that they would probably send me some form to give them permission to investigate my complaints. I have received nothing. I charge that Ditech is subjecting me to deceptive fraudulent practices.
05/04/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TN 374XX	Web
On my mortgage statement on XX/XX/XXXX, i noticed an escrow shortage of XXXX. So on XX/XX/XXXX, my husband sent a check to the escrow department through his bank ( XXXX XXXX XXXX XXXX XXXX ) in the amount of XXXX. The escrow had to be paid by XX/XX/XXXX. Before i paid my escrow my mortgage payment would have been XXXX for XX/XX/XXXX. However, after i paid the shortage, my payment should have been XXXX. I noticed my payment had not changed. So, I contacted Ditech to inquire about this matter. I was told it had been corrected. Nevertheless, the site is still showing my escrow has not been paid. On XX/XX/XXXX, my husband sent a check for XXXX then on XX/XX/XXXX another check was sent for XXXX. Moreover, another payment was sent on XXXX on XX/XX/XXXX. I have spoke to XXXX different representative at Ditech to try to get the issue resolved. In fact, the last XXXX representative XXXX ID # XXXX and XXXX ID # XXXX who i spoke to on XX/XX/XXXX told me they were sending an email a supervisor to get my account corrected. So i checked the website to see if it had been corrected and found no change at all to my account. I called Ditech again today spoke to XXXX who said she did not have an ID # who said she was putting in a request to have my account corrected. I am really frustrated. So i asked to speak to her supervisor XXXX ID XXXX at call center in XXXX XXXX, XXXX XXXX I ask if she could see where a request had been made to re-allocate the money i had sent them. Oh course, she stated she saw the request.However, i have been told a request had been made so many times that i do not believe anyone is correcting my account. So, i asked for the representative who was assigned to my account XXXX # XXXX. I told her how many representative i had spoken to and how long i had been waiting to get my account corrected. She was rude and overtalking me saying there is a process and she can not snap her fingers and fix the program. I advised her that i paid my escrow on XX/XX/XXXX so how long should it take. She just kept talking over me. So i asked to speak to her manager, XXXX, Collection Manager, who said she did not have an ID #. These people are rude and does not care about resolving issues with their customers. My statement is always incorrect. I believe they purposely make the statements look like their customers are late on their payments so we can not move our mortgage to another mortgage company. It is deceitful. I have asked each representative to send me an email verifying they are having my account corrected but they all said they can not send me an email detailing our conversation. Can i send them a validation letter? I need something done about this mortgage company. My statement is still showing i have not paid my XX/XX/XXXX payment when it paid on XX/XX/XXXX and my escrow has not been paid. Furthermore, i have paying late changes they say the mortgage company before them said we owe. Bad Company ... Beware ... .just like Greentree Servicing ...
01/31/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85085	Web
Hello, I am writing to complain about my mortgage that was being serviced by Ditech Mortgage and then sold to XXXX XXXX XXXX. My mortgage was sold in XXXX by Ditech. My payments were being auto paid to ditech. at the time of the sale, I was not aware my mortgage was sold. My bank account was continuing to be debited for payments on the XXXX of every month. In XXXX I received phone calls from XXXX XXXX XXXX stating that my mortgage was past due and they were going to start foreclosure. I called ditech and they confirmed that they sold my loan to XXXX XXXX XXXX. They also confirmed that they had received my payments each month, and that they had not forwarded the payments to XXXX XXXX XXXX, but they would do so. Fast forward to today, I got another call from XXXX XXXX XXXX saying that I was still past due. I called ditech and they told me that it is their policy to make the first two payments, and then they forward any future payments back to the customer. They said they forwarded my XXXX and XXXX payments, but not XXXX, XXXX or XXXX because they sent them back to me. I said I hadn't received anything and they said that they had not sent them yet, but they would go out by the 2nd week of XXXX. They should have told me this rather than telling me they would forward all of the payments. Also, they shouldn't be allowed to hold my cash that long ... So, in this situation, I have continued to make my payments. The servicer has been happy to take my money, but since they didn't forward the payments, I am getting charged for late fees, and my credit is probably affected negatively. Even though I have done nothing but try and make my payment. I also want to complain about mortgages being sold. I own a couple of homes with multiple mortgages. I would say my mortgages have been bought and sold 20 times over the last 7 years. It is such an inconvenience to go through so much trouble every time a mortgage is bought or sold. Calling in to these banks and waiting on hold and then getting disconnected and then having to call back in is pretty standard. There should be a limit to the number of times a mortgage can be sold, or the customer should be able to opt out of their loan being sold, or the servicer should have to compensate the borrower for selling them and taking our time. Part of the problem is that they are relying on regular mail to notify me that my loan has been sold. I had no idea my mortgage was sold. I can't rely on regular mail in my line of work if I am notifying someone. I can't rely on regular mail if I am evicting a tenant and need to give them notice. I get 100 pieces of mail from XXXX XXXX XXXX. I just assume it is junk and throw it out. How would I ever see their welcome letter? The servicers should need to notify us our mortgage has been sold by registered mail. Or call me and actually speak to me, but regular mail is the least effective way to communicate. Why is it ok to use it when dealing with people 's biggest asset? Thanks
03/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75007	Web	Servicemember
I have a conventional mortgage with Ditech Financial, LLC located in XXXX XXXX, SD. Up until the summer of XXXX, it was a P & I loan only, with no escrows. I always paid my taxes and home owners insurance outside of the mortgage. In XXXX of XXXX, I entered into a Chapter XXXX bankruptcy. In XXXX of XXXX, Ditech arbitrarily raised my mortgage payment from {$1300.00} to {$1600.00} for purposes of collecting funds for escrow purposes. As I always paid my own taxes, I did not actually think this applied or perhaps was an error, and kept sending them my regular {$1300.00} payment. In XX/XX/XXXX, I got a letter from Ditech stating I was delinquent on monies owed them, and that I needed to send them just over {$8000.00}. This was about five days before XXXX! They had also turned the case over to National Bankruptcy Services who seemed to act as some third party agent for Ditech. For the most part, they would not share any information about what this matter was really all about. After several calls to them, I was able to learn that it all had to do with the extra money that Ditech was assuming to collect from me back in XX/XX/XXXX. A person there did admit it looked as though an error had been made on Ditech 's part and that they really didn't need any escrow money. I also contacted my county tax office and had them send me a copy of my paid bill with a check number showing that I had, in fact, paid the tax bill myself for XXXX. I sent a copy of this notice and a letter via certified mail to Ditech, the bankruptcy services company and a collection agency that had now also become involved. This week, I received a packet in the mail from Ditech showing some kind of payment history for me, which concluded with a letter stating I still owed them over {$7000.00}. Once again, I called Ditech and spoke with a girl there, and after an hour long conversation, she admitted that two payments made by Ditech for my taxes in XXXX had been reversed. Her only explanation given to me as to why Ditech still seemed to think I still owed them money was because I had not paid my taxes by the initial due date and that the taxing authority had notified Ditech of this. As a result, they again looked for escrow funds to cover the tax bill, even though I did end up paying it in full with my money. She said there was nothing she could do about the owed balance of {$7000.00}! So essentially, the bottom line of this story seems to be that Ditech is looking to collect money from me for tax bills they never paid. Unless, of course, the tax office simply took my money and Ditech 's and kept their mouth shut. Highly unlikely. As it is impossible to get through to anyone at Ditech who can truly understand this dilemma and think outside the box a little, I am protesting their claim for further payment. My position is, and always has been, that all I ever owed this company was my P & I mortgage payment, until I voluntarily added in extra money for tax escrow last summer.
10/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WV 262XX	Web
my name is XXXX XXXX my husband and i seperated in 2011 we had a morgage loan thru greentree financial my morgage was current at the timemy husband lost his job and i was having trouble making my morgage so i called green tree to tell thenm what was going on they told me to get a written statement from my husband saying we were seperated and they may be abel to give me a modification on my loan so i could afford it my payment was XXXX a month i had to send them papers with my payments that i had which was utilities insurance ect i had XXXX children liivng with me this company led me to believe for at least 4 months they were going to help me with this modification well guess that was a lie i finally got a letter stating that they couldnt do the modification i made to little money mind you i had been paying for this home for at least 11yrs i was devestated they called me everyday at least 5 to ten times a day wanting me to send a payment than the one night i get a call from a rep of theres saying XXXX XXXX you did not get the modification and you have to come up with a payment i told him i would try to get a payment when i got paid he said cant you get it from a family member or friend your behind and i think at the time 3 paymentsi said yes sir he said i dont mean to be a XXXX but you cant live there for free by this time i was in tears as to how rude and non understanding he was i dsaid you all led me to believe you were helping me four 4 months now you tell me i have to get out in the middel of the winter with XXXX kids and know where to go he said you have to XX/XX/XXXX to get out which was not even a month or the police will bring papers to remove you i was devastated at the way this man spoke to me itold him i would try to get all the payments to them with income tax but he would not here of this he said send me at least a payment or you have to leave this is my story i ended up leaving and signing papers to them losing my home to them in leiu of deed they gave me and my husband so much time to get everything out of the house they brought dumpsters and trailers and took my husbands stuff out of the garage and the house which went to them because my husband could not get there because of the snow to retrive his things they kept what they wanted gave it to a relitor and and sold it. i think i was treated very unfairly and was thru out with my kids in the middel of winter, i was lied to by this company and i did everythin they saked me to do to try to save my home i thought this was what a loan modifaction was to help people to save there homes this is a very decieving company you may ask why im taking so long to see if anything can be done or if i have any legal grounds to stand on i will never be abel to get another home because if this they sold my home for near nothing to the relitor but could not help me pretty sad if i say so my self well thank you for reading my complaint sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX
10/15/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	GA 30331	Web
In XXXX of 2019, my mortgage company, Ditech forwarded notice of intent to forclose within 60 - 90 days if payments were not met. In XXXX of 2019, I contacted XXXX 's ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX program to work out a loan modification program. We submitted documents to substantiate our request. In XXXX of 2019, my home was in line for forclosure for failure to make timely payments. The scheduled date was XX/XX/2019. On XX/XX/XXXX, I was accepted into a trial payment program which lowered the cost of my mortgage by {$300.00}. I entered into the agreement and made timely payments that began in XXXX. The last payment was made in XXXX. After finishishing the required payments, Ditech indicated they were ready to proceed with a 360 degree loan modification, but there was a lein of $ XXXX on the home and the lender of that loan needed to agree to take second position and sign a subordination agreement. The company was XXXX XXXX, a federally funded program. They paid my mortgage for me for 2 years during a long illness I had. After the program eligibility was over, they place a 5 yr lien on the property that is released once the time frame is met. XXXX XXXX agreed to take second position as asked for the documentation. Ditech forwarded me the proposed agreement, that outlined what was owed to Dietech, what was owed to XXXX XXXX, and the proposed terms. XXXX XXXX informed Ditech that per Federal Regulation that XXXX XXXX is under, it is required they ( Ditech ) provide a final total in writing. During a phone call on XXXX with both parties and myself present, Ditech stated they do not provide what was being asked. XXXX XXXX then said they would accept a final payout from them in writing to satisfy the Federal Government requirement. The request was made by Ditech official to obtain the payout letter before the call was over. Ditech has given me until XXXX to get the subordination agreement signed. I called everyday since then to obtain the payoff and to date they still have not provided it. XXXX XXXX can not sign the agreement unless all regulations are followed and Ditech refuses to do so in a timely manner. I have asked for an extension on 4 occasions to allow for the payoff letter from their attorneys to get generated so we could move on with the loan. Today is XXXX. Ditech underwriters said they will not give me an extension because they followed all the rules and don't have to give XXXX XXXX what they asked for. Further, they said that all the payments I made thus far will be null and void and I will have to go through the long process all over again and wait to see if they will accept me back into the program. My problem is that even if I can get back into the program, we will run into the same problem where they will have to produce the paperwork the way the Federal Government requires and I will be in the same position 6 months from now because it will still have to go to XXXX XXXX for the subordination agreement,.
04/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 024XX	Web
Originally I had mortgage with Green Tree on our primary residence. Once Ditech LLC took over, the mortgage started being serviced by them. We had regular trouble with escrow and extra payments applied not to the right account. Finally, we have decided that the best is to stop interacting with Ditech, therefore we need to pay off the mortgage. What was good : it was a click of a button to get to the amount of the pay-off - done on XX/XX/XXXX. Good stopped right there. The amount came with completely unclear instructions on how to actually do the payment. I ordered a cashier 's check on my name from my checking account for the full amount of the pay off. As per usual, cashier 's check on my own name can be signed over to anyone with my signature and will be as good as cash. In this case it was a check on my name signed over for the deposit into the account on my name! What can be confusing about it? Before putting this check into the mail, I decided to call Ditech on Saturday, XX/XX/XXXX. My question was simple - do I need to sign the check on the back or is it fine as is, as the check was on my name and is intended to be deposited into my mortgage account on my name ( the sole owner of the account ), which every other bank on Earth has no problem doing. My conversation devoted to this one question lasted for about 20 minutes. I was asked to be put on additional alerts, e-mails, etc. Mildly annoying, but ok ... I was talking to XXXX. She had no clue what I was asking, asked to do some research multiple times during the conversation by putting me on hold and continued to ignore all my very polite requests to please connect me someone else who might have dealt with pay-offs before. She told me that the check I'm holding is a third party check and they will send it back ... ( where is the third or second party here? Check on my name to be deposited to my account! ). I was upset for several days about this. It is important to know that I'm local to MA, so going to Ditech to resolve this in person was never a possibility. After all, I decided to not send the check by rather do an electronic direct wire. I went to my bank so that I do a direct wire. With a banker at my side we called Ditech again today, on XX/XX/XXXX, again got XXXX on the phone. The question we had was even simpler : can we, please, have the physical address that is associated with the bank account # that we're wiring the money to. She said we're wiring the money to the XXXX XXXX XXXX and gave their physical address in NY. The banker who was helping me initiate the wire said : this can't be the case, as you need the address of the final recipient institution. In response XXXX gave the address of Ditech in IL. I hope that my wire is arriving shortly and that the pay-off will be handled smoothly. This type of customer support and complete incompetence is absolutely unacceptable and needs to be known to anyone who has a choice of a mortgage company to deal with.
11/16/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	TX 760XX	Web
Consumer Financial Protection Bureau Online Dispute Only To Whom It May Concern : In XX/XX/XXXX I submitted a complete modification package to Ditech Financial LLC. Over a period of several months I submitted updated documents whenever requested, such as recent bank statements and pay stubs. I also submitted with the original modification a hardship letter, whereas I explained in detail the several pressing issues I was facing such as unpaid medical bills, charged off collection accounts, and a short term employment situation that was eventually resolved. Through a third party power of attorney all correspondences can be accounted for, including several telephone calls where a Ditech representative suggested a streamline modification could be approved by Fannie Mae. I never received a letter dated XX/XX/XXXX where I was declined a modification based mostly on a credit score. Ditech never submitted such a letter either directly to me by regular or certified mail, or by email. Just a week prior to this date Ditech Financial LLC requested updated pay stubs and bank statements. It was during this timeline where Ditech was involved in its second bankruptcy since XXXX. While in the bankruptcy process Ditech tried on more than one occasion to offset and eventually release any ongoing claims pertaining to foreclosure procurements and abusive collection procedures. Decisions were handed down with the U. S. Bankruptcy Trustee in the Ditech case, as well as a state court in the Southern District of New York. My rights were protected while I was in the modification process as it went against the federal trustee protection of Ditech consumers they serviced loans for on behalf of Fannie Mae. My rights against this illegal foreclosure was also in violation of my rights under the amended Fair Debt Collection Practices Act of XX/XX/XXXX. I request intervention on this illegal foreclosure action by a multitude of federal and state agencies. My overall financial situation has improved significantly and my creditor collection matters will be completely satisfied by XX/XX/XXXX. Obtaining a modification refusal on credit score grounds is completely illegal and unconstitutional. The merits of this argument alone is enhanced simply by a defaulted mortgage history. My income debt to income ratios are significantly improved by the settlements on all collection accounts, the pay off on all medical bills, and I brought myself back to financial wellness by using an alternative debt reduction process outside a bankruptcy petition. I demand the reinstatement of my rights to complete the Ditech modification process, and I am going to once again submit updated bank statements and pay stubs. Even though Ditech Financial LLC might be under new ownership, it is the responsibility of all connected parties to protect my rights under the Fair Debt Collection Practices Act, in addition to the federal trustees decision to maintain consumer rights pre-merger.
11/16/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 956XX	Web
THIS COMPLAINT IS AN EXTENSION TO A PREVIOUS COMPLAINT FILED REGARDING MY SHORT SALE WITH MY MORTGAGE COMPANY AND THERE NON COMMUNICATION WITH ME REGARDING THE PROCESS AND PROCEDURES FOR LOSS MITIGATION. MY COMPLAINT WAS NOT ANSWERED IN A SATISFACTORY MATTER BUT IT DID PROMPT THE COMPANY TO AT LEAST RETURN MY CALLS REGARDING MY SHORT SALE. I HAD BEEN TRYING TO SALE MY HOME WITH A REAL ESTATE AGENT AT NO PROFIT FOR 2 YEARS PRIOR TO APPLYING FOR A SHORT SALE WITH NO LUCK. AT THE TIME OF MY FIRST COMPLAINT I HAD A VERY GOOD OFFER FOR {$160000.00} AND MY PAYOFF FOR MY 1ST MORTGAGE WAS {$140000.00} WITH A 2ND MORTGAGE LIEN OF XXXX AND ANOTHER HEAT PUMP LIEN OF XXXX. I WAS NOT GETTING ANY RESPONSE FROM MY 1ST MORTGAGE COMPANY AT ALL REGARDING THE SHORT SALE. MYSELF AND MY REAL ESTATE AGENT WERE CALLING EVERYDAY. ALL OF OUR PAPERWORK WAS IN AND NO ONE WOULD RETURN OUR CALLS UNTIL I FILED THE COMPLAINT. ONCE THE COMPLAINT WAS FILED THEY RETURNED OUR CALLS BUT STILL DRUG OUT THE PROCESS AND WOULD NOT ACCEPT OUR OFFERS SO WE LOST OUR BUYERS. SINCE THAT OFFER WE HAVE NOT HAD ANYTHING CLOSE TO THAT OFFER AND NOW AGAIN THE MORTGAGE COMPANY WILL NOT RETURN ANY CALLS ON ANY OF THE SUBSEQUENT OFFERS AND EVERYONE SUBMITTING OFFERS ARE WALKING AWAY BECAUSE THEY DO NOT WANT TO WAIT WITH NO RESPONSE FROM MY MORTGAGE COMPANY. I AM NOT IN GOOD HEALTH AND CAN NOT HANDLE THE STRESS THAT THE MORTGAGE COMPANY IS PUTTING ME THROUGH FOR THE SHORT SALE OF MY HOME. I HAVE APPLIED FOR A DEED IN LIEU INSTEAD OF A SHORT SALE AND HAVE SUBMITTED ALL OF THE PAPERWORK THAT THEY HAVE ASKED OF ME. I NEED HELP TO GET THIS PROCESS COMPLETE AND I DEFINATELY NEED THE MORTGAGE COMPANY TO CONTACT ME BACK TO EXPLAIN THE PROCESS AND MOVE QUICKLY TO GET THIS APPROVED AND COMPLETED SINCE THEY HAVE CAUSED ME SO MUCH GRIEF WITH LITTLE TO NO ASSISTANCE IN REGARD TO THE PROCESS IN MY STATE. I FEEL THAT I HAVE LOST SEVERAL RESPECTABLE OFFERS ON THE SALE OF MY HOME DUE TO THE NEGLIGENCE OF THE MORTGAGE COMPANY AND THAT IT IS THE DUTY OF THE MORTGAGE COMPANY TO FOLLOW THROUGH AND WORK DILEGENTY TO APPROVE THE DEED IN LIEU SINCE THE OFFER OF XXXX WAS LOST DUE TO THEIR LACK OF WORK ETHIC IN THIS MATTER. ALSO ON MY LAST BILL THERE WERE CHARGES FOR " REPAIRS '' TO MY HOME THAT WERE EQUAL TO ALMOST {$500.00}. WHEN I CALLED TO INQUIRE ABOUT THESE CHARGES I WAS TOLD THAT IT WAS FOR WINTERING THE HOME, MOWING THE LAWNS AND RE-KEYING THE HOME. I EXPLAINED THAT THIS WAS NOT TRUE SINCE I WAS STILL PAYING THE WATER BILL, WATER STILL RUNNING THROUGOUT HOME, NEIGHBOR WAS MOWING LAWN AND REALTORS STILL SHOWING HOME WITH SAME KEY. THE CUSTOMER SERVICE DID NOT HAVE THE ANSWER FOR ME. VERY UNETHICAL. I NEED ANSWERS. ALSO THE MORTGAGE COMPANY TOLD POWER COMPANY BACK IN XXXX THAT MY HOME WAS IN FORECLOSURE AND THEY TOOK OVER MY POWER BILL. I FOUND THIS OUT WHEN I WENT TO PAY BILL. MY HOME IS NOT IN FORECLOSURE AND NOT EVEN PRE-FORECLOSURE. AGAIN, NO ANSWERS WHEN I ASKED MORTGAGE COMPANY ABOUT THIS!.
11/17/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NY 11208	Web
In XXXX, a foreclosure proceeding was brought against me by XXXX XXXX XXXX under Index # XXXX in XXXX XXXX, New York State Supreme Court. On XXXX/XXXX/XXXX, I received a letter from the attorneys for XXXX XXXX XXXX f/k/a XXXX. informing me that I may be entitled to {$20000.00} if I agreed to a " deed in lieu ''. On XXXX XXXX, XXXX, I asked my free union legal services attorney to let XXXX XXXX XXXX know that I was interested in accepting that offer. I never received a reply to the XXXX XXXX, XXXX letter. During the litigation, I received a letter from XXXX and I sent a fax notifying XXXX that there was a title problem with my mortgage. All the foreclosure papers and mortgage documents mention house # XXXX but XXXX has no such house number and all the letters that I receive from XXXX indicate that I am the owner of house # XXXX. The building consists of XXXX ( XXXX ) attached XXXX ( XXXX ) family homes that are " connected ''. I own only XXXX ( XXXX ) of the connected homes. My neighbor who owns # XXXX discovered he really owns # XXXX not # XXXX. The foreclosure action brought by XXXX XXXX XXXX was discontinued on in XXXX XXXX. On XXXX/XXXX/XXXX, a new foreclosure action was commenced by Green Tree Servicing, LLC. I have been denied multiply loan modifications. One of the issues is that the appraisal being used for my home value, appears to be an appraisal of both house # XXXX and # XXXX making the house appear to be worth more than it really is. Even more confusing is that Green Tree has sent to me two ( 2 ) letters denying my loan modification. One letter dated XXXX/XXXX/XXXX and the second dated XXXX/XXXX/XXXX. The house value on both letters is different. I am not qualifying for the loan modification because the loan to value is not a true reflection of reality. I am a XXXX ( XXXX ) year old, single, XXXX woman who works for the XXXX. I borrowed {$460000.00} in XXXX XXXX to buy this home. I XXXX at work in XXXX, I was out of work on Workers ' Compensation and in XXXX I had surgery. The first foreclosure action was pending against me for four ( 4 ) years with no activity whatsoever by the lender. The interest ballooned to an amount that has brought the loan balance to over {$710000.00}. No matter how much income I earn through work and rental, it is not enough to qualify me for a {$710000.00} mortgage. Green Tree has put an artificially high value on the home or they are valuing the home connected to my own in reaching the various market values. On the denial letter dated XXXX/XXXX/XXXX, Green Tree values my home at {$720000.00} and indicates that the Principal and Interest on a Proposed Modification would be {$1200.00}. Then in a letter dated XXXX/XXXX/XXXX ( one day later ) Green Tree values my home at {$700000.00} and indicates that the Principal and Interest on a Proposed Modification would be {$1.00}, XXXX. Both proposed modification amounts I can afford with my current income. Yet, I have been denied a modification.
11/22/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 209XX	Web
I had been charged a late fee because ditech had raised their rates. However, they failed to deliver proper notification of the raised rates. I had never missed a payment in over 10 years. There was no mention of the raised rates ( as at the time I was paying via internet ). All dates below are XX/XX/XXXX. XX/XX/XXXX : I email ditech about the situation. XX/XX/XXXX : ditech confirms there is no late fee balance ( via email ) XX/XX/XXXX : ditech explains their payment structure where funds from fines are withheld and not used to fully pay off the late fee, thus occurring in another late fee charge ( I have this confirmed in writing by ditech ) XX/XX/XXXX : Another late fee is charged, despite having been assured no charges would be incurred. We paid an extra {$120.00} XX/XX/XXXX : ditech assures, in writing, that money will be applied to the next month 's statement XX/XX/XXXX : I email ditech because they failed to credit the additional money they received. XX/XX/XXXX : ditech responds explaining that the money was used to pay off a fine from XX/XX/XXXX ... explaining there are existing charges and fines that I was no notified of Summary : ditech charges fines that are unwarranted. then explains that when a fine is paid ... they use the money to partially pay off the fine, thus leaving an unpaid balance in tact. when they received more money, they instead bring up more fines that were never mentioned. ditech has consistently withheld information of my account and ( assuming that these charges are not also nonsense charges ) failed to fully explain how to pay off any existing fines. Also, their payment structure is designed so that fines are never paid in full, and instead held in " unapplied funds '' ( I have this in writing from ditech ). -- - I have attached the full email conversation with ditech ... I will checklist the relevant pages Page 4 : ditech confirms that they do not use the money received to fully pay off the bill Page 5 : ditech presents a chart confirming that they do not use the money received to fully pay off any fines or charges ... instead they withhold the money in " unapplied funds '' Page 7 : ditech is informed they received an extra {$120.00} and is asked to credit that amount to the next month 's bill Page 8 : ditech explains the payment will be held in " unapplied funds '' and if I so choose, they can set something up to have the funds applied on the next payment ( note : having extra funds applied to their next bill is not the default action, their default action is to hold the money in " unapplied funds '' ) Page 10 : ditech is made aware that the promised credit was not applied and of my plans to file a complaint with the CFPB Page 11 : ditech brings up 2 separate charges " principal '' and " corporate advance '' ... both charges were never mentioned in the 2 month conversation about fees and charges ... 1 charge apparently from XX/XX/XXXX was never mentioned in the past 3 years.
09/04/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MA 02180	Web
We are first time home buyers. We bought our home in XXXX our mortgage was with XXXX for about XXXX months and then was bought out by GreenTree. In the year of XXXX our taxes had gone up from XXXX to XXXX. When we received our Escrow yearly statement XX/XX/XXXX it stated our mortgage was going up. We had the option to pay {$900.00} for the shortage with a permanent increase or do n't pay the increase but that too would be added in the new mortgage amount for a year until it was caught up. I paid the {$900.00} and mortgage went up over XXXX dollars more monthly. I was devastated as my mortgage is at a 30 year fixed rate XXXX FHA XXXX. My mortgage was {$2200.00} and climbed up to over XXXX and that was after I paid the shortage. There have been no tax hikes since then. This again, XXXX XXXX, I received my escrow yearly statement and again the mortgage company stated they were raising it yet again. Same exact thing as last year, I could either pay the {$900.00} shortage amount or it would be rolled into the new mortgage amount, this time it was even worse, my mortgage is now up to {$2500.00} dollars monthly, I could not afford to pay the shortage. I am so afraid of losing my home due to all of this as it does n't make sense. I called GreenTree and spoke to XXXX who is the supervisor, she was of no help and could n't really answer any of my questions. My taxes on my escrow are over {$4600.00} I asked her why, because they are XXXX yearly. She told me it was a projection for next year in order to protect me, she also told me that should could n't promise that it would n't happen again for next year! I told her, your company told me the same exact thing last year and that thank XXXX I had the money to pay the shortage then, as I would be in big trouble due to the hike in the mortgage this year. It 's no wonder people are losing their homes. She offered no help what so ever. I feel like something is n't right with this type of practice. I can not pay over shortage this year which is {$900.00} dollars again, now I am forced to pay {$2500.00}. I said to XXXX that this is supposed to be finance company, and their projections have been horrible, she said it was their fault as I was n't assessed correctly from last year. I told her, so I have to pay for your company 's mistake? How can my mortgage keep permanently climbing every year with out anything to show for it? There is nothing in my escrow, where is all my money!!!! I would deeply likely an investigation done on this company. I am so fearful this is going to happen again next year. I do n't want to lose my home. I have a XXXX spouse and just ca n't afford to pay much more in my mortgage. What ever is being taken from me, I want it back and I want to pay for the mortgage I signed on for in the beginning of all this. I have n't even owned my home for XXXX solid years and my mortgage has been raised over {$300.00} dollars per month. Any help would be greatly appreciated.
05/09/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 94587	Web
In XXXX, XXXX your office assisted me in a very horrible experience with XXXX XXXX XXXX and the mortgage crisis that happened during this horrible time. I was a victim of this horrible fraud by the mortgage lenders and after a long two year battle, I successfully modified my loan, in XXXX, XXXX. I though that my nightmare which severely impacted my life was over. I guess even with {$63.00} XXXX dollar fines, this practice is rearing it 's ugly head once again and I need help. XXXX XXXX XXXX sold my loan to Greentree Servicing who is now called Ditech. I was a XXXX, Greentree now Ditech customer. Because of my loan modification it clearly states if I have any delinquent payments the agreement can become null and voided and obviously I would be in foreclosure and possibly lose my home which is a fear I will never forget. I have lived in my home 31 years, raised all my children here and now grandchildren. The emotional distress this is causing me is insurmountably hard, I have sleepless nights. I made my regular payment, as I have always done but noticed my payment was not applied. I contacted Ditech immediately to have this corrected. Ditech informed me that due to their new " system '' my auto pay was cancelled and never notified me that in writing. I IMMEDIATELY made a payment over the phone on XXXX/XXXX/XXXX for the XXXX payment, and their rep XXXX XXXX from the XXXX, NC office MISAPPLIED my payment to principle instead of my house payment. So you understand how serious this is to me as I have XXXX trust in the bank, I schedule my auto pay on the XXXX of each month in order for me to babysit the process and give them enough time to mess up so it 's not close to the final due date. I have been calling daily to have the payment reallocated from principal to house payment and backdated to the date it was paid to no avail. It has been 8 business days. They continue to tell me my payment will be applied, but again I do not believe them and feel that this nightmare is starting once again! I have an extensive phone long and recorded my calls to them as they will not give me anything in writing that shows I did make my payment on time and it will be backdated and reallocated properly. I have spoken to 8 supervisors who make empty promises and it is my fear that this will fall through the cracks, just like what XXXX XXXX XXXX did, say they are missing a payment and threaten foreclosure. I 'm not surprised that they will not put any of these conversations or complaints in writing. I sent them a written demand to investigate this but again, due to lack of trust and reading that this mortgage services IS STILL PRACTICING UNETHICALLY I am reaching out for your assistance. Thank you for any help you can offer. My fear is that this housing crisis that I lived through is slowly coming back. The internet has hundreds of recent stories that mortgage service companies such as Ditech as still doing this unethical practice.
12/12/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TN 38122	Web
Ditech Mortgage - I called on these dates : XXXX/XXXX/XXXX XXXX XXXX CST spoke to XXXX XXXX XXXX in AZ about Loss Mitigation Group letter sent XXXX/XXXX/XXXX ; said they needed more documents to complete application. I uploaded requested documents through the website which clearly showed income and GIFTS and other deposits in my checking for the entire year. XXXX/XXXX/XXXX Called XXXX, he said they used $ XXXX monthly income to determine my loan modification request. I told him that was gift money and unemployment which is not applicable as my income. XXXX/XXXX/XXXX XXXX XXXX CST I called XXXX XXXX at XXXX XXXX at XXXX and left a message that my income was incorrect and I was uploading document to the website. Several pdfs uploaded ONLINE MESSAGE XXXX/XXXX/XXXX sent a message thru online message center for Ditech also : " I will be uploading Loan Modification Appeal documents due to the information was incorrect that was used to determine my eligibility. Please have someone contact me regarding this matter. Fri XXXX/XXXX/XXXX XXXX XXXX CST I received an email to download an Loan Modification Appeal resolution document which again denied my request using INCORRECT Income amounts and the letter said my appeal was denied due to I made too much money. Tuesday XXXX called approx XXXX CST Called Ditech and got XXXX XXXX she immediately put me on hold ; Asked for XXXX official representative at XXXX - She put me on hold and then came back and said he is not available. I asked for manager level - she said she had to verify information for security purposes ; Gave her my account #, property address, last 4 # of social, I asked to speak to manager- she said she was not available and would have to call me back. I said never mind and hung up. immediately following phone call, I tried to send an online letter while logged in to my account and after composing and hitting send ; it said Error could not send. Tue XXXX/XXXX/XXXX XXXX XXXX -- I sent email thru my personal email and automated response said could be XXXX days before someone contacted me, I logged in again online and sent the same letter. Tue XXXX/XXXX/XXXX XXXX XXXX Called second time XXXX put in extension for XXXX x XXXX went to voicemail - said mailbox is full ; Tried another extension XXXX XXXX XXXX XXXX - was not available =left my name and number & said I want to make a payment Each month they have sent correspondence that says I have a different account rep. and I try to connect - call - leave a message and do not get any call back. For the Loan Modification request and appeal, I emailed and uploaded online two separate documents that showed my entire income for the entire YEAR, as stated in my Letter of XXXX XXXX, XXXX : " My income and ONLY MY INCOME, is only {$2600.00} thru XXXX XXXX, which averages to {$260.00} per month for the past ten months. I have only had part-time income through XXXX or misc part-time, short term employment. ''
07/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33991	Web
I have made numerous complaints to CFPB about our mortgage over the years because it keeps being moved from company to company due to lawsuits and injunctions from the government due to the practices of these mortgage companies. My loan went from XXXX ( which went under due to bad loans ) to XXXX XXXX XXXX XXXX which was sued by the gov't due to not modifying properties with bailout money ) to Greentree ( who had an injunction against them from the gov't for not modifying properties ) and now onto Ditech. I paid three times what the house was really worth in XXXX and was hit with the housing crash and could not sell the property. I had a XXXX baby in XXXX and lost income due to caring for her and I spoke with Bank XXXX XXXX EVERYDAY for an entire year who assured me over and over we would work out a modification no problem. They then sent me a proposal for a modification where they INCREASED the mortgage from {$1100.00} to {$1900.00} a month! Then Greentree took over, I applied for a modification with them, never heard a word, put the house up for short sale, had numerous offers, Greentree turned down every one. Then Ditech took over, I applied for a loan re-modification with Ditech and were approved to make XXXX payments of {$960.00} with no details of the permanent modification on the temp agreement. We made all XXXX payments on time and were sent the contract for the permanent modification this month. This modification is HORRIFIC. It not only has a balloon interest, a balloon principle but also {$100000.00} added on for " fees. '' Ditech claims this modification is under the HAMP " Making Our Homes Affordable '' program, but in researching that program they are completely violating the entire program. They are basically asking us to agree to pay {$400000.00} for a property that is worth maybe {$140000.00} on a good day. Stating that when the mortgage is " paid off '' we will then also owe a lump sum of {$100000.00}. This is the kind of loan that caused the housing crisis in the first place. We are now going to see an increase in foreclosures AGAIN due to these outrageous and crooked modification loans that the banks and loan agencies are pushing on desperate, uninformed people. They are disguising these loans with low monthly payments but putting massive debt on these properties on the back end. How is this " Making Homes Affordable ''????? The government needs to be made aware of these horrific loans happening again. I work in the court system and see it daily, my husband is a XXXX, we have XXXX small children. Our youngest has had many health issues and constant therapist and specialist visits, we do not need the added stress of a bank trying to XXXX us over. I have been in court with a pending foreclosure for this property and it has been nothing but a nightmare. I can pay a mortgage but will not pay XXXX times what my house is worth and pay for hundreds of thousands of dollars in " fees. ''
07/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 287XX	Web
Hello to whom this may concern. My name is XXXX XXXX. My husband, XXXX XXXX & myself live in XXXX, NC and are terrified that we may lose our home to Ditech Servicing, LLC. We have been trying to get a modification for around 7 months now. I have been told numerous times not to send in a mortgage payment while we were attempting to get a modification even though we were in the financial position to do so. This has now caused us to get 7 months behind at this point. I have sent in paperwork over & over when requested even when what they were asking for we had already sent. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' One day when following up they again stated that they had not received my paperwork even though I had gone to XXXX different stores and received XXXX separate fax confirmation numbers. 1024.41 ( b ) Receipt of Loss Mitigation application - " A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' In the 7 months we have been attempting to get a modification we have had XXXX different account mgrs. Seemingly, we can never speak to the same person twice and our voice mails are rarely returned. 1024.40 Continuity of contact - " Servicers are required to maintain reasonable policies and procedures with respect to providing delinquent borrowers with access to personnel to assist them with loss mitigation options ''. Why were n't we assigned a single point of contact to assist us in saving our home? I received a phone call yesterday from a XXXX w/ Ditech XXXX He was curt, rude and frankly a complete smart a**. He said we had plenty of time to pay the arrearage and the foreclosure paperwork was in the mail and then hung up. Fair Debt Collection Practices Act FDCPA 806, Harassment or abuse 15 U.S.C. 1692d - Ditech has been very rude and somewhat threatening when communicating with me regarding my mortgage. I do n't understand why Ditech feels the need to talk down to me or treat me so poorly. They treat me like a deadbeat and have no sympathy towards our hardship. 1024.39 Early intervention requirements for certain borrowers - I do n't feel that Ditech has ever provided me with a " Fair Review Process '' for a modification, as required under the Dodd-Frank Wall Street Reform & Consumer Protection Act. It appears, without a doubt, Ditech has violated numerous servicing laws set up to protect mortgagers under the Wall St. Reform & Consumer Protection Act. We can afford our payments now and only need Ditech to do the right thing by us and assist us in getting this back on track so we may continue to live in our home that we love and have lived in for 16 years. Please Help!!! XXXX & XXXX XXXX XXXX, NC
04/01/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07305	Web	Older American
XXXX XXXX To : CFPB On XX/XX/XXXX my father past away due to a XXXX and my mother was the executive of his state. A few months later I was place on the loan for the mortgage and the deed was registered under my name and my mother 's name and also the house with was already XXXX XXXX dollars in late fees. I reach out to Green tree to start the loan modification because of financial hardship. A few months later Green Tree sold the loan to Ditech Financial XXXX ACCT # XXXX. Ditech sent me a packet witch, include a hardship form to fill out and send back to them. I sent all my financial information including my mom 's financial information we had to fill a XXXX form at least 3 to 5 times, I send them the copy of the deed and a copy of the lease agreement twice. Every other month I fax them my paystubs my bank statements Witch seem to lose or misplace every time. They never contacted me I 'm the one always calling everyday trying to get an update and every time I call my loan is always in review and an a few days later they say that my loan was denied because I did n't send them the paper work in a timely manner. They always request the same information throughout the loan modification process. Even if I had already sent them all the paper work they require. I reach out the Ditech on an everyday basis to find out if am missing any paper work do they need any paper work they say no and a day later they say your application is denied because you did n't send the proper paper work, than I have to start the process all over again. Threw the months I reach out to Ditech they say my account is in review and they ask to send paystubs and bank statements witch I always oblige and send the next day. The final straw came On XX/XX/2016 I reach out to Ditech Financial to check the status of my loan they say it 's still in review and they inform me on XX/XX/XXXX my loan will be service by XXXX XXXX XXXX. When I reach out to XXXX XXXX on XXXX XXXX they told me that it will take 15 days for my paper work to be transfer from Ditech Financial. When I call XXXX a few days later they told me that this investor does not do Loan Modifications and I would have to make the past due balance, Pay the loan completely or do a short sale and if not my house will be in foreclosure. One thing I do n't understand is that I told XXXX XXXX from Ditech ( XXXX. XXXX ) that I was getting statements, he told me not to worry about it because the account is on hold. If the account was on hold why is XXXX XXXX XXXX inform me that the account is delinquent and I have to pay XXXX dollars to restore the loan. My soul purpose for going through this hard ache is to stay in my home because this home is the only thing I have to remind me of my father and he work too hard to purchase this home and for it to be lost. At this time I 'm trying to see if I can refinance my house with another company or to see if I can pay the late charges with a loan.
03/01/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77092	Web
I had a XXXX XXXX loan on my condominium. After Hurricane Harvey, I was offered a deferral period due to my home being flooded and needed extensive rehab before it was livable again. A person that I talked with told me that at the end of the deferral period, I would be given a modification and the interest rate would be reset to current market rates. This would have been a good deal for me, so I did accept the deferral as ( 1 ) I had no idea what kind of money was going to be needed from me to rebuild and ( 2 ) the current market rates were much better than the rate that I had. About 2.5 % better on the average. My rebuild took much longer as the storm damage was so extensive in our area that it was hard to have materials delivered without a long wait. Thus, I didn't get a fully livable condominium until about XXXX or XX/XX/XXXX. I was out of my house for a full year. Ditech came forward with a modification agreement asking me to sign where they added past due interest of {$4400.00}, eligible servicing expenses of {$18.00} ( why? ) and taxes and insurance of {$1100.00} ( double why???? ). Taxes and insurance are part of my escrow account, not part of financed money. And I don't escrow my insurance anyway, I pay it with my HOA dues and to XXXX myself. It doesn't go through the mortgage company. What is most shocking though is they have amortized the loan out another 40 years (!!! ) when I had only 15 years to pay on my original mortgage. And they did not lower my interest rate, and they re-started amortizing the loan as a totally new loan. I would think a modification only modifies some of the terms, it should not start over as a completely new loan. They lowered my payment a little, but I did not ask for this and I did not need it. If I had continued to pay my old loan, I would have paid {$31000.00} in interest from XX/XX/XXXX to the end of the loan. With the modification, I will pay {$95000.00} in interest. I did ask a rep if they had lowered anyone 's interest rate, and I was told that yes, if the balance owed was already a large amount, they lowered the interest rate to make it easier for the mortgagee to pay. Now Ditech is in Chapter XXXX bankruptcy. I feel very much held over a barrel to pay all this extra interest just because I deferred payments for a year, and based on inaccurate information. It seems that I could continue to pay as if my old mortgage was in place and get out before 40 years pass ( I hope so since I am already XXXX years old! ). However, this is just wrong, They should not be able to do this to a consumer whose mortgage was not behind. I have tried to refinance, but my credit score is just beneath what lenders want, so I am unable so far to do so. Possible I would be forced into a sale and get rid of my mortgage, but then I would be faced with a market with real estate prices much higher than when I bought this place, so it is all out of my reach now.
08/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI XXXXX	Web
I received tens of phone calls daily. I received threats of foreclosure on my home if ever a payment was late, despite my payments being made. I was told by employees of Green Tree Servicing to " borrow the money '' when I was unable to make payments due to financial hardship. When I did not answer my phone, Green Tree Servicing employees called all of my neighbors and told them to leave notes on my door. My neighbors and I were called on public holidays including XXXX. I was called at inappropriate times through out the morning and evening. I actually had to disconnect my land line due to harassment by Green Tree Servicing. I was refused options and assistance when I requested that my due date for my payments be changed to when I was receiving a pay check ( the last week of the month ). I was harassed at my place of employment to the extent that my boss told Green Tree Servicing and myself that if it continued I would lose my job. I wrote a letter requesting that Green Tree Servicing cease all contact except by mail and they continued to harass me via my neighbor, XXXX XXXX and call her phone tens of times daily. I received a letter in the mail stating that I owed them over {$4000.00} right then and there or legal actions would pursue in XXXX of 2014 for no apparent reason. I had been making my payments consistently for years. When I called to ask why I still owed money, I was given a vague and insufficient explanation and told that I still had to make payments otherwise I would be taken to court. I was told that my account had been charged off for a payment being over 180 days late, but I have made all except one payment and the one I missed was well over six years ago and I contacted them and after hours of harassment was told that it would be " tacked on to the end of my loan ''. I was informed that because some payments were late years ago, that my interest changed and that I was then only paying on interest, which does not seem right to me. I have requested a written explanation of the fees that are owed and the total amount that I have payed Green Tree Servicing on several occasions to XXXX XXXX XXXX? ) and was refused every time. I was refused any receipts of payments since XXXX of 2014 by XXXX XXXX XXXX? ). I was refused a bill since XXXX of 2014 by Green Tree Servicing, but if I stop paying them I receive a letter saying they will pursue legal action. When I called and talked to XXXX in XXXX 2014 to demand an explanation, I was told that it would be written down as a refusal to pay despite the fact that I was saying I would pay I just wanted to know what and why I was paying, threatened with court and hung up on. My account states online that it is closed in XXXX 2014 and when I asked for an explanation of why I am still having to pay, why I do n't receive a bill and why I do n't get a receipt for my payments I am belittled followed by insufficient and vague answers.
02/04/2017	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	MO 64114	Web	Older American
I called XXXX Mortgage ( XXXX ) to obtain a XXXX mortgage interest statement. XXXX with I.D . # XXXX stated that my loan had been sold to Green Tree on XXXX XXXX, XXXX and gave me their phone number ( XXXX ). When I called Green Tree at the number XXXX provided, after providing my address and either partial or full social security number, heard a recording offering me a {$100.00} XXXX gift card and a {$50.00} restaurant gift card. I was to press a key to accept, which I did not. Then a representative who said his name was XXXX XXXX came on the line, updated my address, etc. and said the computers were moving slow and while waiting for them, he wanted to tell me about the XXXX XXXX restaurant card. I listened politely and when he asked, did I want to take advantage of these great offers, I declined. He persisted with why did n't I want to receive these free items for a small {$4.00} charge. When I declined a second time, he hung up on me. I XXXX the phone number and found out it was a number in XXXX with many more phone numbers with the same beginning XXXX and viewed complaints against the number. I got on line to research Green Tree Mortgage and remembered that they had merged with Ditech Financial. I was very concerned since I had provided the fake Green Tree representative with personal and sensitive information. I assumed since XXXX had provided me the phone number of XXXX, that is was a legitimate number and company. I then called the Federal Trade Commission who transferred me to the Consumer Financial Protection Bureau. The representative, XXXX was very kind and listened to what had happened, but said it was not her department to handle the incident and did not understand why the Federal Trade Commission had transferred me to her department. Since I could not get anything done through either of them, she suggested I file a complaint here. She transferred me to a department that could provide me with information to protect my identity, credit, etc. I called XXXX and placed a fraud alert on my credit report. I was told the other XXXX credit bureaus, XXXX XXXX and XXXX would also be notified to place a fraud alert. I called XXXX back so that they would not continue to give out the number since it is a scam coming out of XXXX. I spoke to XXXX with I.D . # XXXX, who said she needed to transfer me to an agent in the United States. I then spoke to XXXX with I.D . # XXXX, who listened to what happened and told me that that was the number they were using for Green Tree. She put me on hold while trying the phone number herself. She was put on hold and then the call hung up. XXXX thanked me for letting them know about the scam number and said she would be reporting it to her supervisor and upper management. I am filing this complaint for two reasons : 1 ) to file a complaint so it will not happen to others and 2 ) to document and protect my identity, credit, etc Thank you. XXXX XXXX
06/26/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 34769	Web	Older American
This is a story about a XXXX year old widow living in XXXX, Florida named XXXX XXXX. XXXX was born and raised in XXXX XXXX, FL in XXXX. XXXX never had children, but had a wonderful husband to whom she was devoted to for XXXX years. Fast forward to XXXX XXXX, when XXXX was XXXX, and at the cusp of the " XXXX '' days of free-wheelin ' mortgage and real estate boom. XXXX has a XXXX bedroom, XXXX bath wood frame home that was built in the XXXX 's where she has resided for the past XXXX years. It 's XXXX XXXX sq. ft., and by most standards in America today, would be considered modest. At the time, XXXX had a social security income of roughly {$800.00} dollars per month, and being an entrepreneur, " sometimes '' had up to another {$1000.00} dollars per month selling items on XXXX that she would XXXX in yard sales. This additional income would vary, but never exceeded {$1000.00}. In XXXX, with the real estate values soring ever upward, her modest little home appraised for an astronomical sum. Mortgage money was sloshing around all over the place, and XXXX was there to help provide and lubricate the exuberance. XXXX was enticed to take out a mortgage. A {$130000.00} dollar mortgage. An " Option Arm '' mortgage, that provided " options '' each month as to what she could pay, including " Interest Only, '' and/or various Fixed Rates with Amortizations that she could " pick '' each month. XXXX years, XXXX years, or " anything goes '' some other amortization, i.e. XXXX year, XXXX year, etc. that should could specify and varying each month. A payment plan designed for high income, " Young Upwardly Mobile '' sophisticated borrowers. The " Interest Only '' was based upon a " Jumbo '' Interest Rate of 6.875 % and was the cheapest payment option each month for XXXX 's meager income. This despite XXXX having a Conforming Loan Amount, and Conforming rates being cheaper, as much as 2 % less, a payment difference of {$220.00} per month. ( Conforming loans did not exceed {$460000.00} +/- in loan amount at the time. ) Being approved for the loan which took 50 % of XXXX 's monthly income was tight, but she managed at first. In XXXX of XXXX, with the economy beginning to tank, her XXXX income began to whither, and she began to get behind. Like many to that fell prey to this, foreclosure arrived at her doorstep and her defense was not enough. Sadly, she was finally adjudged in XXXX and the final foreclosure sale is in XXXX. XXXX should never have been approved for this loan. Approving a convoluted loan for anyone whose source of income is unpredictable, and approving it with the knowledge of taking half of it each months meager income, charging her a Jumbo Interest Rate as opposed to a Conforming Interest Rate to base the payment, and knowing in good conscience that she did n't have a " Snowballs Chance in XXXX '' to pay this, is beyond the governments definition of PREDATORY LENDING, ITS UNCONSCIENABLE AND EVIL.
07/16/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NC 28613	Web
My wife and I closed on our mortgage XX/XX/XXXX with Ditech and worked with customer loan processor XXXX XXXX and senior home loan specialist XXXX XXXX. Our first payment due started XX/XX/XXXX at {$930.00}. Five payments were made to Ditech on XX/XX/XXXX for {$930.00} ( XX/XX/XXXX Due date ), XX/XX/XXXX for {$940.00} ( XX/XX/XXXX due date ), XX/XX/XXXX for {$1000.00} ( XX/XX/XXXX due date ), XX/XX/XXXX for {$950.00} ( XX/XX/XXXX due date ) and XX/XX/XXXX for {$950.00} ( XX/XX/XXXX due date ). On a letter from Ditech dated XX/XX/XXXX we were notified that our loan would be transferring to XXXX XXXX XXXX d/b/a XXXX XXXX. The letter included the statement The servicing of your mortgage account is being transferred, effective with your payment due XX/XX/XXXX. It also stated All payments made on or after XX/XX/XXXX should be sent to XXXX XXXX. On XX/XX/XXXX I lost my job but was able to pay our XX/XX/XXXX payment on XX/XX/XXXX. We received our first statement around XX/XX/XXXX from XXXX XXXX stating amount due of {$1800.00} which was including an overdue payment. I called XXXX XXXX on XX/XX/XXXX and they said not to worry that Ditech would be forwarding payments to XXXX XXXX and to allow 60 days for this to happen. Each statement we received from XXXX XXXX included the past due payment along with late fees. Around XX/XX/XXXX I called customer service and they said to send supporting information as to the XX/XX/XXXX payment and they would research it. On XX/XX/XXXX I sent them information from my bank showing the payment had debited my account. After no response I called customer service on XX/XX/XXXX again and spoke with XXXX XXXX who replied via email that I will be your single point of contact until a resolution is found. I sent her 4 emails between XX/XX/XXXX and XX/XX/XXXX along with 3 calls and did not get a reply. On XX/XX/XXXX I emailed XXXX XXXX customer service, XXXX XXXX and copied Ditechs XXXX XXXX and XXXX XXXX and explained the situation and also included my banks stamped copies of my bank statements. XXXX XXXX did reach out and forwarded my email to XXXX customer service on XX/XX/XXXX and I also included a proof of payment statement from my bank. To date there has been no reply via email, phone or mail from Ditech. Even when I was unemployed for 8 weeks I have continued to pay my mortgage and even payed over the minimum to Ditech and XXXX XXXX. This has been very stressful for my wife and I and we do not feel that we should be bearing the brunt of accounting lapses. We have tried to communicate as respectfully as we can during the past 4 months and neither institution seems to care about the {$950.00} payment we made. Every month we continue to get late notices, phone calls and text messages about the alleged missed payment. We dont have money and do not plan to make a double payment and we hope that you can further look into this matter since we dont seem to have any pull.
06/03/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 19135	Web	Servicemember
I receiived a letter from Ditech Mortgage regarding refinancing of my home loan in late XX/XX/XXXX. I had about four years to pay off my loan, and inquired about the HARP loan. I was assured by everyone I spoke to that if I refinance it would be under the HARP loan and that within a year I could refinance at a guaranteed reduce loan rate. So, I decided to do the refinance in XX/XX/XXXX. I extended it for an extended time, because I wanted to give myself a year to catch up on other bills, and I knew when the year was up my rate would at least be a point or two lower, and I would go back to my original payment. XX/XX/XXXX I called just to ensure when I could begin that refinancing process. I was assured in XX/XX/XXXX I could do my refinance with the HARP loan. So, I call again closer to the date in XX/XX/XXXX and I was told I did not have a HARP loan. I was upset and they transferred to a number where no one picked up the telephone. I called back on XX/XX/XXXX to once again to ask about my HARP loan. I spoke to a young man named XXXX on XX/XX/XXXX around XXXX XXXX I asked him to confirm that I did have a HARP loan. He said yes you do and I am eligible for a refinance. Then I said, could you send me proof of my loan being a HARP loan. He puts me on hold and comes back and says sorry you loan is not a HARP loan. I told him you just told me it was. I said I wanted to speak to a supervisor. She came on line and told me I never had a HARP loan. I told her that is not true. I was told by every single person I spoke to up to the signing of the loan I had a HARP loan. This young man just confirmed I had a HARP loan. Now you tell me I do not. She then begins to tell me they have not done HARP loan in years, which is a lie. The mortgage document I signed does not show HARP loan on it. I was not aware that it had to be stated, because I was assured by every single person I spoke to that it was a HARP loan. I was not asking for a hand out nor any special services. I was misinformed and blatantly LIED to about my loan from every Ditech employee I came in contact with. I want the loan I was promised a HARP. I am an American citizen, a veteran and a mother and grandmother. It is disgraceful how Ditech employees blatantly and continuously LIED to me. It made absolutely no sense for me to refinance with four years to pay off my mortgage in full, without a promise of a get. That get being a HARP loan with a promise of points taken off ( lower interest rate ) after a year. Please help me resolve this issue. I have never been in such a position before in my life. I was a paying customer of theirs for quite sometime and for such blatant lies is making me so sick. How they sleep at night is a mystery to me, because I am sure I am not the only person they have done this to. Thank you and I just want what I was promised. My lower rate after one year which was XX/XX/XXXX. Please let me know the next steps.
10/17/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 496XX	Web
I began having trouble with Ditech around XX/XX/XXXX and XX/XX/XXXX. I had previously worked out a modification as I had a financial hardship and other than it taking an extremely long time to come to terms of a modification, it was worked out and I fulfilled my requirements. Then I started getting letters from Ditech requesting proof of insurance. I uploaded my insurance documents to their website and they continued to ask for proof. I uploaded the insurance a few more times, mailed a copy to the servicing center and faxed a copy to ditech and literally received no response from Ditech. I called and talked to customer service to be told that they did not receive my insurance information and I needed to do it again. How much more can I actually do at this point for them to get it? I did those things again and again I recieved requests for my insurance but now along with the request, I also go forced placed insurance and new payment information raising my payment up a very significant amount. I contacted them again and continued to call and upload, fax & mail my insurance information and they continued to tell me they never received it. I then decided to contact the forced place insurance company. They provided me with an email address for them to send my insurance info and they would cancel. I forwarded my insurance and like she promised, she cancelled the insurance. This however did not fix my now affordable payment. Still no response from Ditech other than the standard letter " We have received your request and will contact you within 30 days ''. They did do a reanalysis of my escrow and my payment went back down but I did not receive any sort of explanation on a refund from forced placed. As of XX/XX/XXXX My payments were back down to an affordable payment but not before they reported late payments. So now as of XXXX my payments are back down, however, I am unable to make payments online, my payment information is incorrect online and when you call in your payment, they want a convenience fee for calling. When I asked them why my statements and payments were all messed up online they said they were having issues. This issue never did get fixed for me and I could never get an explanation of why. I sold my house in XXXX and requested a payoff from them. They sent it to me and it included {$400.00} even of fees that were never on any statements or disclosed to me or anything. When I attempted to contact them to find out why it was there, I got a letter stating they received my request and would be in contact within 30 days. Well, it is has been over 30 days and I have still had no contact. I am very thankful that they are now paid off and I will not have to deal with them any longer, but I think I deserve the proper attention for this issue. I do have records of uploaded documents, my insurance information and other supporting documents as I am sure they have no records of anything.
04/24/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT 847XX	Web	Older American
To Whom it May Concern, Consider this document to be my a ) formal complaint against and b ) plea to CFPB for support in gaining restitution from the following two mortgage servicing companies -- DITECH FINANCIAL LLC ( at XXXX XXXX XXXX, XXXX XXXX, SD XXXX and/or XXXX XXXX XXXX, XXXX, AZ XXXX ) ( DF ) and ( XXXX XXXX ) /XXXX ( a XXXX Company at XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX ) ( XXXX ) -- both of which breached their H.A.M.P. ( HAMP ) contract with me : 1 ) UPON DEMAND BEING MADE TO EACH OF DF AND XXXX, after each firm had received my formal written claim for the sum of {$720.00} ( due under that certain HAMP Borrower Incentive for Timely Payment Provision contained in HAMP document attached ), both DF and XXXX each refused to honor their contractual obligation contained in said HAMP document ( Contract ). 2 ) The HAMP Borrower Incentive for Timely Payment Provision giving rise to this complaint was originated by DF in XXXX. It offers Borrower a Timely Payment Incentive of $ XXXX/month for the purpose of reducing Borrowers mortgage balance upon pay-off. Borrowers payments were always timely after the Contract was entered with DF. 3 ) For calendar years XXXX and XXXX DF met its obligation under the Contract and subject loan which DF designated # XXXXreducing the principal balance each of years XXXX and XXXX by {$1000.00} per year ( i.e. 12 months/year times $ XXXX/month= $ XXXX/year ). 4 ) During calendar year XXXX DF transferred its mortgage servicing benefits and obligations under the Contract to XXXX. 5 ) Subsequently, on XX/XX/XXXX, XXXX loan # XXXX was paid off. 6 ) The commensurate Borrower Incentive of {$720.00} which had accrued to Borrowers account up to and including XX/XX/XXXX for the calendar year XXXX ( i.e. XXXX Months -- XX/XX/XXXX to XX/XX/XXXX -- times $ XXXX/month ) was never applied to reduce the Loan Pay Off Demand which was generated by XXXX. 7 ) Shortly before and after paying-off subject loan, having realized {$720.00} should have been but was not credited to my account upon payoff, I contacted DF and XXXX separately via phone & subsequently emailed each of them my Demand for {$720.00} plus all back-up information they requested. Thereafter Executives at DF and XXXX pointed fingers at each other as being the responsible party. XXXX claimed they had not known about the Contract upon assumption of servicing papers from DF and therefore could not be held responsible as a result. Finally each of DF and XXXX refused to reimburse my {$720.00} claim -- suggesting I contact The Federal Government for assistance and/or remuneration. 8 ) PLEASE NOTE THE SUMMARY PAGE OF THE ATTACHED H.A.M.P AGREEMENT ADDRESSED TO ME, XXXX XXXX, WHICH CONTAINS THE BORROWER INCENTIVE CLAUSEthe subject of my complaint and plea to CFPB. Please review this situation at your earliest opportunity and advise me of action pending as a result. Yours Truly, XXXX XXXX XXXX
02/28/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 804XX	Web	Servicemember
Ditech Financial LLC holds our mortgage for our home. Ditech has only recently corrected our address so we receive mail from them, they have mailed all correspondence to our street address for years although we have tried to correct the address multiple times especially in the beginning of our loan ( XXXX ). We eventually gave up and set up an ebt account so the payment came out of our checking account each month. We pay our own taxes and insurance. Ditech decided in XXXX of XXXX that we had not purchased homeowners insurance and did that for us and started an escrow account. Ditech took the principal and interest plus escrow as the ebt payment for XX/XX/XXXX. We noticed this right away and my husband called them and in a few months they refunded the overpayments and acknowledged that our homeowners insurance was in force and that we purchased that insurance ourselves. Our current homeowners insurance policy runs from XX/XX/XXXX through XX/XX/XXXX. When Ditech took the incorrect amount electronically from our checking account we cancelled the ebt autopay and started sending them checks for the principal and interest. We again tried to correct our mailing address so we could get payment coupons. No success. We just copied an old coupon and mailed it with the payment each month. In XX/XX/XXXX Ditech once again decided we did not have homeowners insurance and opened an escrow account. When we mailed our principal and interest payment for XXXX it was not sufficient to cover the whole amount and Ditech put our payment into a " hold/suspension '' account awaiting complete payment. They mailed the notice to our street address, we did not receive it. We mailed our principal and interest payment again in XX/XX/XXXX. On XX/XX/XXXX we received an email from XXXX Credit Card that they were lowering our credit limit due to a bad credit report from Ditech. This has caused us much distress, worry, anger, frustration. We contacted Ditech. Although i know it is incorrect i paid the escrow amount due in an effort to avoid more negative credit reporting. I have called them almost every day since XX/XX/XXXX. Everytime I talk to a different person and have to explain the whole issue again. I do think Ditech has finally updated our mail address in their system. Their insurance tracking department confirmed they have our homeowners insurance policy and it is effective XX/XX/XXXX through XX/XX/XXXX and the insurance tracking dept conferenced with customer service to confirm this. Insurance tracking said that information has been available within Ditech since XX/XX/XXXX. I want Ditech to remove the negative credit information from our credit report RIGHT AWAY. I want Ditech to refund our money for the escrow account. I want Ditech to confirm this will not continue to be an issue every few months. I want Ditech to acknowledge that our XXXX payment is principal and interest only. Can you please help me?
01/04/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	HI 96782	Web
XXXX XXXX, XXXX : Received " Notice of Servicing Transfer '' correspondence from Ditech Financial LLC. Effective XXXX XXXX, XXXX new servicer XXXX XXXX XXXX XXXX will be collecting mortgage payments. XXXX XXXX, XXXX : Mortgage payment for the month of XXXX XXXX in the amount of {$1600.00} paid to Ditech Financial LLC ; payment is notated in the transaction activity section on the following months statement. XXXX XXXX, XXXX : Received correspondence letter from Ditech Financial LLC re : " missed payment '' in the amount of {$1500.00} which was due XXXX/XXXX/XXXX. XXXX XXXX, XXXX : Phone call to Ditech Financial LLC to discuss " missed payment ''. The customer service agent " XXXX '' was unable to explain why correspondence was sent. When asked to confirm receipt of XXXX XXXX payment of {$1600.00}, " XXXX '' informed me that my payment had been " reversed '' on XXXX XXXX, XXXX. I advised " XXXX '' that this payment was not " reversed '' back into my bank account. At this point " XXXX '' stated she would be forwarding my inquiry to her supervisor " XXXX ID # XXXX '' for researching and I will be contacted within 10 business days for follow up. Was given " XXXX XXXX '' direct extension of XXXX ; left her a voicemail immediately after ending phone call with " XXXX ''. Phone call to XXXX XXXX XXXX ( XXXX ) immediately after leaving voicemail with XXXX of Ditech, spoke with customer service agent " XXXX '' who confirmed they did NOT received XXXX XXXX payment from Ditech. XXXX XXXX, XXXX : Phone call to " XXXX '' with Ditech, left voicemail # 2 regarding missing payment. XXXX XXXX, XXXX : Phone call to " XXXX '' with Ditech for the 3rd time, received her voicemail again! Did not leave a message currently .... too frustrated! I attempted to reach ANYONE at Ditech phone center at XXXX and XXXX and received automated message at BOTH numbers " experiencing technical difficulties and can not assist ''. I was unable to reach anyone by phone despite multiple attempts throughout the day. XXXX XXXX, XXXX TO XXXX XXXX, XXXX : Due to the fact that I could no longer reach ANYONE at Ditech Financial LLC ( previous servicer ) I attempted to resolve this issue with current servicer XXXX XXXX XXXX XXXX. Dozens of phone calls to various customer service representatives who could never give me a straight answer, emailing of documents per their request, more follow up phone calls, tickets being opened then closed then re-opened due to what can only be described as inconsistencies with their policies and incompetent staff. At the end of these most agonizing three months of dealing with this mess, NOTHING is resolved. My XXXX XXXX, XXXX payment continues to be missing and my account is now being assessed a late fee as of XXXX XXXX, XXXX. In reality what has happened here is theft. In the real world one is punished for stealing but apparently in the mortgage lending world it is acceptable practice!
04/01/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	MS 397XX	Web	Servicemember
XXXX XXXX, XXXX Consumer Financial Protection Bureau Re : XXXX XXXX XXXX, XXXX, XXXX XXXX # VA XXXX Dear Consumer Financial Protection Bureau : This is a letter of formal complaint regarding Ditech Financial, LLC, XXXX. XXXX XXXX, XXXX XXXX, SC XXXX handling of my loan and intended modification application submitted since XXXX XXXX, XXXX. As an honorable veteran who has served his country faithfully, I initially utilized my entitlement to obtain a home loan in XXXX. Since purchasing the above property in XXXX, the home loan has been " sold '' approximately four ( 4 ) times. In XXXX, XXXX XXXX 's acquired the Ditech brand due to FCC and your charges against Greentree Mortgage Company. Apparently, this acquisition has not eradicate years of Greentree Mortgage legal and unethical practices towards their consumers, because Ditech is the same, if not worse to their consumers. They are unethical, harassing me about my debt, calling all times of day and night, from different numbers, when I have told them not to contact me, being misleading and threatening towards me. Since Ditech Financial, LLC has handled the loan, my experience with the company has been totally reprehensible and a violation of my rights. The company has failed to appropriately handle my loan modification request submitted on XXXX/XXXX/XXXX, after I filed numerous complaints both, verbal, written and in contacting their corporate office. Instead of resolving the matter, my complaints aggravated the entire matter without any personal recourse or advocacy. In submitting the loan modification application, they would always provide " XXXX to XXXX '' DIFFERENT FAX NUMBERS TO EITHER SUBMIT OR RE-SUBMIT INFORMATION which has been very misleading. After submitting the information, they would always say " they did not receive the information. '' My PERSONAL INFORMATION WENT TO SOMEONE ... SOMEWHERE!!! With months of delaying the loan modification, my credit rating has been affected, additional costs have occurred on the loan and this ordeal has taken a mental and physical toll on me and my family. I am locked into Ditech being my loan servicer. At this point, I do not feel or believe that I am or will be treated fairly regarding my loan modification or any other matter. I am in financial distress, and I am not seeking to negate my financial responsibilities. However, I am attempting to work towards resolving my delinquent status and to modify the mortgage payments. Lastly, I and my wife are very disturb to the fact that Ditech had a third party to deliver a " door knocker '' to our address on XXXX/XXXX/XXXX with a number of XXXX. When my wife called the number it was a XXXX XXXX!! When my wife brought it to XXXX ' attention and thought it was intentional. They responded as if it was not a problem or concern. The next month on XXXX/XXXX/XXXX, the " door knocker '' had a different number, XXXX. Sincerely, XXXX XXXX. XXXX
04/10/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	TX 76244	Web
In short, my spouse and I filed for Chapter XXXX bankruptcy protection in XX/XX/XXXX. In XXXX XXXX, our trustee filed a " Notice of Completion of Chapter XXXX Plan Payments to Trustee '' and served it to us, our attorney of record, other secured creditors and to the law firm representing our mortgage servicer, Greentree Financial dba Ditech which was transferred from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. Approximately 30 days later, Ditech 's attorney provided a response to the Trustee and our bankruptcy attorney indicating while they confirmed receipt of the Trustee payments, the debtors, meaning my husband and I, were allegedly delinquent in our mortgage payments by XXXX {$36000.00} which equates to approximately 24 months of past due mortgage payments ( that documentation has been attached to this complaint ). Documentation provided to substantiate their claim has been inconsistent, incomprehensible and ambiguous at best ( that documentation has been attached to this complaint ). You should know that the first time we were notified about a gap in payments is when a law firm representing XXXX XXXX XXXX sent an intent to file for a motion for relief to our attorney in XX/XX/XXXX. We challenged them by requesting a copy of our pay history and upon receipt we learned that XXXX XXXX XXXX was posting post petition payments to pre-petition shortages ( the months included in their proof of claim ) erroneously. Once our attorney challenged their findings by providing the XXXX pay history documentation to XXXX XXXX XXXX 's attorneys, we never heard from that firm again ( that documentation has been attached to this complaint ). When my husband 's employment was impacted, being proactive and accountable, we applied for loss mitigation assistance with XXXX Home Loans and were pre-qualified for a HAMP loan modification program ( documentation has been attached ). After we completed the trial payment plan, we opted out and raised objections about the terms and conditions ( documentation attached ). Those inquiries were never answered. What we 've experienced has been overwhelming to say the least! We 're distressed and infuriated because verbal and written requests for information have gone unanswered and our attorney 's efforts to obtain specifics have been to no avail. Our discharge hearing has been postponed twice because we 've been challenging them. It 's been rescheduled for Thursday, XXXX XXXX XXXX. We need help with holding XXXX XXXX XXXX, Greentree and Ditech accountable as we fear we 're being victimized and at risk for foreclosure. We want now what we wanted then and that is -- - irrefutable evidence of our past due status and transparent, legitimate documentation supporting how our payments have been applied and why if we missed that many payments, the bank failed to exercise their right to repossess? Thanking the CFPB in advance for your immediate attention to this matter.
07/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 337XX	Web
Unfortunately, due to my ex abandoning our family and deciding not to pay the mortgage payments, I was unable to make the payment on my home and Green Tree Lending foreclosed on the home. During the whole process, I tried to get them to work with me to save the home but because only he was on the mortgage, although I was the one living in the home, also getting sued, attending all the hearings and responded to all the notices, they would not talk to me. I was told that when I got the divorce in my hand and the house was awarded to me, then they would then talk to me. This was on a conference call between their lawyers, me and my lawyer. I received the divorce three weeks before the home was scheduled for auction. When I called to submit the documentation, they told me that they could not help me and good luck. So the house went to online auction, no one made a bid and GT kept the home. Afterwards, I tried to contact them numerous times to get some kind of timeline for moving and they would not even give me the time of day. They said to call the lawyers, the lawyers said to call them and so on and so forth. Well, without receiving any formal notice of vacating, unexpectedly at XXXX a sheriff shows up at my door and tells me that I have 30 hours to vacate or I will be escorted from the property. I lived in that home for XXXX yrs, tried to work with whomever to save the home but to no avail and my final hours there were on the heels of being evicted???? This is ridiculous and preposterous!!!! It was a complete nightmare, at great expense, both emotionally and financially to get my whole life, including pets, out of the home that quickly and having to borrow money to make it happen. I had to put everything in storage, gave quite a bit away and left things behind because I simply did not have the time or place for it yet. I even had about half the home packed expecting the inevitable since no one was working with me to stay but went through this nightmarish experience anyway! No one should have to go through this, especially when I vehemently tried to save my home and did all of my due diligence. I have had to move, with my pets, into my sister 's home because I was n't given the decency of time to find a place. Needless to say what an inconvenience this is for her and her family! Thank God I had this option. What if I did n't? By myself and thrown out without a shred of decency for a fellow human being. All this talk about helping homeowners is a bunch of baloney. The lenders do not care at all of people 's hardships or wanting to work with you, as displayed perfectly in my case. Do I have any recourse here and I want a formal complaint made because it needs to be and to hopefully help someone else in the future. In this day and age of technology and commerce, EVERY business should be held accountable to fair practices, a level of integrity and be reprimanded when they do not.
02/22/2019	Yes	Mortgage VA mortgage	Struggling to pay mortgage	AL 362XX	Web
I have paid the same default 3 times. I received the mortgage through divorce. I have sent Ditech my divorce decree, and the Quit claim deed. This company refuses to acknowledge my rights which are the owner of the home. I have been the responsible party of paying this mortgage since I separated from my ex since XX/XX/XXXX. 1st Time -- On XX/XX/XXXX ( I was two months behind on mortgage payment ), I cured a default of {$4000.00}. I submitted an entire payment of {$4700.00} to cure default. Ditech did not allocate money correctly. I submitted a Notice of Error and this company refused to allocate payments correctly which were described in the Default letter. Sent my ex-husband an escrow surplus check of {$1500.00} knowing the default was not cleared. The first time I paid these fees I compiled payments which consisted of 3 money orders, and XXXX XXXX. I kept copies of all payments sent to Ditech, as well as, post office certified mail receipts. 2nd Time -- On XX/XX/XXXX, Ditech sent another cure default letter for the same default out ( 2 months behind on mortgage payment ) for the amount of {$2300.00}. This amount shows clearly the default was not allocated correctly. Ditech put majority of the money in escrow. I submitted a payment of {$2800.00} to clear the same default and Ditech refused again to allocate money correctly. This time I submitted a complaint and Ditech paid on my default and left a balance of {$350.00} -- Corporate Advance Balance, {$130.00} Uncollected NSF Fees, and {$20.00} -- Other Fees. The second time I paid these fees I specified through individual money orders on how all money should have been applied for all fees. When I noticed the money was not applied correctly again, I called Ditech and the representative stated the money would be applied correctly and it never was. I kept copies of all payments sent to Ditech, as well as, post office certified mail receipts. Ditech sent an email stating the money was applied for the XX/XX/XXXX mortgage payment. Ditech still disregarded all labeled XXXX XXXX for cure default fees. 3rd Time -- On XX/XX/XXXX, Ditech sent another cure default letter for the same default out ( 2 months behind on mortgage payment ) for the amount of {$1500.00} As of today, XX/XX/XXXX, I sent Ditech {$1500.00} to cure the default this company will not pay correctly. The third time I paid these fees I through XXXX XXXX, and specified through individual money orders on how all money should have been applied for all fees. I paid Ditech {$1500.00} -- XXXX XXXX, 3 XXXX XXXX -- XXXX ( Late fees ) each, Uncollected NSF Fees -- {$150.00} ( {$20.00} extra by error ) -- Same fees from last time, Other Fees -- {$20.00} -- Same fees as last time, and Corporate Advance Balance -- {$350.00} -- Same fees as last time. My date for right to cure default is XX/XX/XXXX. When the money is received by Ditech, I will owe for XX/XX/XXXX mortgage.
11/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78217	Web
The outcome of a previous CFPB complaint against Ditech ( case # XXXX ) was that Ditech agreed they made an error by not including my PMI payment in my escrow analysis in XXXX XXXX, therefore this resulted in listing my monthly payment incorrectly, was told it was XXXX when in fact it should have been XXXX. I have been trying to get Ditech to correct their mistake since XXXX XXXX. XXXX XXXX, XXXX Ditech finally agreed they made a mistake and provided a solution to rectify the error, the issue is that they cant seem to follow through with their own solution. Per the compliant Ditech stated " Ditech 's records reflect that you currently have {$790.00} in XXXX, and your loan is due for the XXXX XXXX, XXXX installment. Along with the {$850.00} which is being waived, this will be enough to cover the XXXX XXXX, XXXX, installment and leave {$480.00} remaining in XXXX. Your loan will then be due for the XXXX, XXXX installment of {$1100.00}. You may apply the XXXX balance toward your next payment, in which case you would only need to submit {$680.00} for the XXXX XXXX, XXXX, installment. Otherwise you may have the remaining XXXX applied to principal ''. Due to my bankruptcy I can not speak to an actual Ditech rep but rather a 3rd party called XXXX Bankruptcy, who has no authority to make the necessary changes to my account and does n't seem to understand Ditech 's transactions on my mortgage. Per my phone call on XXXX XXXX, the rep and her supervisor still stated I was past due and they could not clarify with me why and stated I now have a balance of {$100.00} in XXXX, again they could not articulate why this was. Per Ditech 's proposed solution to THEIR error I followed through on my end by submitting a payment of {$680.00}. Based on what they said, I should now be current, with my payment due date of XXXX XXXX, XXXX. I did the simple math of how much I have paid from XXXX XXXX - XXXX XXXX versus how much I should have paid had I been told the correct payment amount : XXXX XXXX - XXXX XXXX - paid XXXX each month = XXXX. XXXX XXXX - paid XXXX XXXX XXXX - XXXX XXXX - paid XXXX each month = XXXX XXXX - XXXX XXXX - paid XXXX each month = XXXX These amounts equal {$12000.00} ( Amount I actually paid from XXXX XXXX XXXX XXXX. Had Ditech not made the error I should have paid XXXX each month, which would have totaled {$13000.00} XXXX amount I should have paid from XXXX XXXX XXXX ). So the difference between XXXX - XXXX = XXXX. Ditech agreed to waive XXXX so XXXX - XXXX = XXXX. I paid XXXX on XXXX XXXX, XXXX through Ditech 's website. Therefore I should no longer be past due and as of this moment my XXXX XXXX, XXXX should be due. I need Ditech to follow through with what they agreed and I need someone to understand my simple math as to what I paid versus what I should have paid and then subtract the amount Ditech agreed to waive and the amount I paid, per Ditech 's solution.
03/25/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91307	Web
On XX/XX/XXXX, my XX/XX/XXXX payment in the amount of {$2800.00} was not applied correctly. {$1200.00} Interest amount was due ; {$1500.00} Principal amount I paid applied. Ditech Billing Statement for XX/XX/XXXX showing amount due of {$1200.00} for interest. I called Ditech on XX/XX/XXXX and informed about the mishandling of the payment I made for the month of XXXX. The customer service representative argued that it was applied correctly. I asked for a manager and was told there is no manager available. I then submitted a message using the Message Center option online. I follow up on XX/XX/XXXX, using the Message Center option online. In between all these attempts to resolve and apply for my payments appropriately for XXXX, I continued and paid the XX/XX/XXXX payment given the refinancing is not completed. The payment for XX/XX/XXXX, was issued on XX/XX/XXXX. To show proof that my account was completely mishandled by Ditech, there was no XX/XX/XXXX, due to date billing statement sent to me. I am providing you copies from XX/XX/XXXX through XX/XX/XXXX as a proof what was sent and able to obtain online. Meanwhile, XXXX, the new lender I was working with to refinance this loan, continued to work with Ditech. The payoff balance including interest per day amounted to {$380000.00}. The payoff process was completed on XX/XX/XXXX, and disbursement of loan money was done on XX/XX/XXXX. As you can see no adjustment made on payments I made for XXXX and XX/XX/XXXX. Which resulted in higher loan balance and interest before the payoff. On XX/XX/XXXX, I sent another follow up using the message center. On XX/XX/XXXX, Ditech returned portion of the unapplied payments I made for XXXX and XX/XX/XXXX in the amount of {$2500.00}. However, the full amount that I was expected was not returned. No clear explanation of how they derive the refund amount of {$2500.00}. See below copy of the check. To date, Ditech has not responded or sent the remaining balance of my payments. The bottom line on this complaint is that there is no interest payment due to this loan given it was already paid off. Ditech needs to return the total amount that was not applied at the time this loan was paid off. The remaining balance owe to me amounts to {$2700.00} which includes the interest amounts for XXXX {$1200.00} and XXXX {$1200.00} along with the remaining extra principal that I was not applied and not included on the XX/XX/XXXX, refund in the amount of {$110.00} ( {$2600.00} extra principal payments not applied : XXXX {$1500.00} and XXXX {$1100.00} minus refund of {$2500.00} ). Total amount issued to Ditech for XXXX {$2800.00} and XXXX {$2300.00}. I am hopeful for your assistance to review and forward this matter to this institution. If you need additional information, please email me at XXXX. Attached is a copy of all pertinent documents for this complaint. Thank you in advance.
09/26/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 08046	Web
I am appallingly concerned about how the mortgage servicer has handled my account since they have been the overseer and am requesting an investigation of my mortgage account and how my payments ( principle, interest and escrow ) have been applied since XX/XX/XXXX when I believe there was an accounting error that initially forced me into foreclosure. I was awarded a HAMP modification in XX/XX/XXXX where terms were established which I complied to, for them to increase my payment by {$500.00} monthly after 14 months of payments stating it was the increase of escrow that had not been disclosed during the underwriting process or prior to the trial period or permanent modification. I contacted my township for them to tell me there had been no increase that year on property taxes. The increase in my homeowners insurance did not substantiate the $ XXXX/monthly increase they applied. Now that I am back in foreclosure due to the hardship of a fire and also the payment increase they claim is due to a rise in escrow, I would like my account investigated to prove this is true. They claim I defaulted on their adjusted terms that were not the terms I agreed to and signed which has since caused me to be ineligible for another HAMP review and qualification. Now I am again trying to see if there are any unspoken underlying cost factors that could come out after the trial period or permanent modification that would land me back in the same predicament as before, now being offered another modification? My mortgage has again been taken over by another servicer whom I was not notified about and I have concerns about whether they are legitimately able to foreclose? I would also like to request the servicer prove they hold the original mortgage Note to be able to foreclose on my property. Since the servicing company prior to this takeover, my mortgage has been a nightmare and I believe deep in my heart that there have been undisclosed errors that are unfair and falling on me. I think this is a gross misconduct and I need to know that I am not being taken advantage of. I want to keep my home and if this is a legitimate offer that they can not or will not impose a significant increase upon completion of the trial period and permanent modification and the numbers are accurate, I would be more than happy to agree to it. It just appears the servicer is preying on struggling homeowners like myself to force them out of their properties and I want to satisfy my conscious to make an educated and informed decision when possibly entering into this modification agreement. If it is found they have fault in the servicing of my loan or are not the original Note holder, justification for me would be to reverse the foreclosure and correct the numbers to provide an accurate account of what I actually owe so I can live my life without the fear of foreclosure unless deemed necessary by my fault, not theirs.
08/07/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 44139	Web
We have attempted to get a permanent loan modification from Green Tree Servicing for our XXXX mortgage and they have denied us several times, even though we have been on a temporary loan modification for the past several years. They are using an excuse that our loan was originally through XXXX XXXX XXXX XXXX Trust XXXX and XXXX 's the one that denied our loan modification even though all of our payments have been made out to Green Tree and Green Tree is part of the " Making Home Affordable '' program to help people. I tried to contact XXXX but they are out of business. Almost all paperwork since we got the loan has gone through Green Tree. We even went through a government agency to help us with the process and were denied again. We do n't feel this agency knew what they were doing either but that is a whole different story. In XX/XX/XXXX we applied for a modification again and sent over all the paperwork, which is long and involved process. We did not hear back from them until I contacted them in XX/XX/XXXX and they said I have to send over the paperwork again because our pay stubs are outdated now. When I originally sent over all the paperwork everything was current but now they are saying we have to send it again for the 4th time this year! They raised our interest rate to 11.99 % from our previous modification that was at 4 %. Our payment has almost doubled and we can not afford it. We were granted this loan during the time when the banks were over extending people on their houses and we got taken in by this. We have XXXX mortgages on this house and the value of our house is not worth what the XXXX mortgage balance is, let alone what we owe on the XXXX mortgage. Green Tree Servicing people are rude and uncaring. We have made the same payment every month that we have for the last 3 years but since Green Tree raised our interest rate they are now harassing us saying we are late on payments. When I called in to try and work with them regarding them raising our interest rate I told the rep that I can not afford my payment to go up and he yelled at me and said I can afford it, I just choose not to pay it! I have never been spoken to like that by any other company I have dealt with. I feel like they have our loan information incorrect. We have gotten correspondence that contradicts what they tell us on previous correspondence. They send me letters with my account rep 's first name and extension listed but when you call they to speak to them directly you can not dial an extension and the rude people that answer the phone wo n't put you through to your account rep. One time I called and they told me my rep moved departments but then I found out from another person that the rep does n't work for them anymore. Then a month later I received a collection letter with that same rep 's name and extension. Obviously Green Tree is not correct with our information and our loan.
06/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 421XX	Web
In XXXX our loan was sold to Green Tree. We had only been with XXXX XXXX Bank for about a year ( XXXX ). We continued to pay monthly to Green Tree and in late XXXX filed Chapter XXXX Bankruptcy and reaffirmed with Green Tree. They were not included in our Bankruptcy plan. They were paid on time every month. In XXXX XXXX I received an Escrow Account Disclosure Statement. This was the XXXX XXXX I had ever received from Green Tree. It included a Deficiency Amount of {$3100.00}, shortage amount of {$860.00} for a total of {$3900.00}. I called them immediately. There were some odd things on the statement. For example in XXXX of XXXX there was {$310.00} to other. They could offer no explaination but said it looked odd so they would do another check and get back to me. I would call and check but was told it was still under review. In XXXX my payment went up to an amount I could not afford. My previous payment of {$660.00} jumped to {$850.00}. I contiued to make the {$660.00} because I had not heard any results from the escrow review and calls to Green Tree were fruitless. XXXX XXXX XXXX XXXX from collections called me to ask for the rest of my payment. I made the difference and she promised that she would investigate. Apparently the analysis was complete but I was not given any information. She submitted it again. I continued to research on my own and found my homeowners policy had increases. I called my insurance agent. We conference called Green Tree on XXXX XXXX. I was told that my escrow account was not my concern and I had no right to request statements or verification of where the escrow money had been paid. I was told we were not talking about my money and I would not be given any other information other that the standard Escrow Account Disclosure Statement. My agent and I stated that it was my money and I have a right to know where it went.He also reworked my insurance so there would be no money coming out of Escrow for insurance in XXXX. The agent reacted rudly to my insurance agent and told him the escrow would not be reworked, it would make a difference. It should have in my opinion. The Green Tree agent was extremely condescending and she was n't the last. My requests for information concerning this large amount of money was met in the following weeks with raised voices, rude tones and speaking to me very slowly. The revised Escrow Statement arrived on XXXX/XXXX/XXXX with a shortage of XXXX, Deficiency amount of {$2300.00} for a total of {$3700.00}. I refinanced with another complany this month but prior to the payoff Green Tree tried to bully me into making XXXX XXXX payment. The loan was paid off XXXX/XXXX/XXXX. I was never given an answer as to why my escrow did not receive a review in 7 years. My lawyer stated that since it was not part of the Chaper XXXX I should have received Escrow Statement. The phone calls, rude behavior and stress was uncalled for.
02/14/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 780XX	Web
Ditech holds our mortgage loan. In XXXX XXXX with check XXXX for the amount of {$560.00} paid on XX/XX/XXXX, {$140.00} is the payment amount and we instructed Ditech to apply {$420.00} to the principal balance, clearly written on the check and on the payment sub. When the XXXX stated i noticed that Ditech had recieved the payment of XXXX ( added {$6.00} more to the payment by accident ) and applied a payment and stated something on the statement that said Deferral/Rate Mod Partial Pays and nothing of the {$420.00} to principal balance. On XXXX XXXX I phoned Ditech to make them aware that they did not post my XXXX correctly when we though the whole account I made Ditech aware that XX/XX/XXXX payment was also not posted as we Requested on the XX/XX/XXXX statement and check XXXX for the amount of {$560.00} paid on XX/XX/XXXX we requested that {$420.00} be applied to the principal balance and {$140.00} to the payment for a total of {$560.00}. And again Ditech posted the payment as they saw fit. on the XX/XX/XXXX phone call with Ditech I was told to call back in 5 to 7 days for corrections to be made and i had my payment history emailedto me. when I called Ditech back on XX/XX/XXXX @ XXXX spoke to XXXX with customer service i was infored that Ditech did not issuse a correction. We went though the whole payment history for the year of XXXX and XX/XX/XXXX. I made them aware that we NEVER asked for a deferral and in futher review XXXX with Ditech stated that Ditech put in a new system and was seeing these posting problems in several accounts would resmit for corrections and it would take another 5 to 7 days for corrections I requested to speak to a supervisior which i was told would call me back. no one has called me to this day. I phoned on XX/XX/XXXX @ XXXX spoke to XXXX went though the account no corrections no supervsior would come to the phone. on XX/XX/XXXX @ XXXX spoke to XXXX with Ditech Customer Service and again i was given the same song it was not corrected and it will be five to seven days if corrections are to made? I asked to speak to a superviosr same thing went the thought the account give them the same infronation i have been giving them sine XX/XX/XXXX, and her reposnse it will take 5 to 7 days if corrections will be made. i am not asking ditech to posting their payment the way i see fir im asking ditech to post MY EXTRA FUNDS to the Principal bablance. now we areat XX/XX/XXXX no corrections i am trying to pay the loan complety off and can not due so because they have not post the XXXX to the principl balance like instruted on our check and their payment stub, i will be paying XXXX extra on my pay off balance. an if Ditech does not fix the problem i will also have a late charge staring the XXXX when we have been trying to have fix their mistake since XXXX.and we have this problem with Ditech posting our principla balance at least 3 to 4 times a year.
02/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 44130	Web
I have an existing loan with Ditech a XXXX XXXX, XX/XX/XXXX, I was in a financial bind and had to do a home modification, this process took almost 4 months to complete. Finally it was done and I was guarenteed to be paying a certain amount every month for my PITI. I spoke to a supervisor, XXXX possibly. All the calls were said to be recorded, This was a total of XXXX. I have tried to find out how to fix the issue I am having, my monthly payment went up XXXX $ from the amount I was told. I contacted them several times, on a recorded line as the say, I was told the insurance was not being escrowed correctly and this is why it went up. My Escrow account I do not oversee, this is their responsibiliy. Furthermore, I was paying my Insurance to XXXX up until the modification. A few months after the modification, I was contacted by my insurance company and they told me no one had paid my monthly premiums for the past 2 months. I immediately paid a XXXX $ reinstatement fee to have it on the property. Ditech told me they did not pay the insurance until XXXX XXXX a total of XXXX $ which is for XX/XX/XXXX. XXXX confirmed this, I have a copy of my XXXX from them and I am showing Hazard insurance of XXXX . I am showing Property Taxes of XXXX, which is for half the year, the beginning of the year was also paid but It is not on the statement. I was paying property taxes I am sure of it. They told me the insurance was not paid so why does it show paid through my PITI, I also would like to know where the money went for the taxes that were paid and also the insurance, Is this effecting my monthly payment this year? I am at a loss and can not afford to have an increase in a monthly payment because of their poor ability to manage my escrow account and why would I add 10 years to my loan and agree to pay more than I was before the modification. I was also told I did not have insurance on my home until they paid it in XX/XX/XXXX. What is going on, I need to find a way to resolve this issue, my credit is not strong enough to refinance. There has to be someone who can help, I am being exploited and taking advantage of. I am also paying XXXX PMI, which is a factor of about XXXX, now this is very high and is only happpening becauseI can not get out of the position I am in. There area lot of questions I can not fingure out and when I call them I get passed around like a cheese dish at a party, no one seems to know what they are talking about, I contacted XXXX XXXX also and they have customer service reps that could not figure out what was going on. Everyone seems to have a diiffent answer. I have XXXX children, XXXX which live at home. when I asked them about the insurance and if something was to happen during the times I did not have it who would be liable and they told me I would. Why would I not want insurance to protect the biggest investment I have. PLEASE HELP Thank you XXXX XXXX
05/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 132XX	Web
After losing my job in XXXX, I got behind on my $ XXXX/month mortgage payment. By XXXX, XXXX, I was three months delinquent. Around XXXX, XXXX, I commenced a temporary workout package with XXXX. For the next seven months I paid {$1.00} per month. On XXXX XXXX, XXXX, I called XXXX in response to a written notice and was informed on the phone that if I made payments on time for the upcoming three months ( the payments were about 90 % of a full month 's payment ), I would be eligible for a refinance and possibly having XXXX funds cover the arrears. During that XXXX/XXXX/XXXX phone call I made an electronic payment of {$2300.00} as the payment for the month of XXXX, XXXX, i. e., the first of the three trial months payments. About that time, Green Tree Servicing LLC became the loan servicer in place of XXXX, but I was unaware of it. On or about XXXX/XXXX/XXXX, at XXXX I called XXXX at XXXX XXXX XXXX XXXX to make the XXXX of the XXXX 90 % monthly payments. I was told by their representative that he could not talk to me about the loan because Green Tree had taken it over. The call lasted XXXX minutes. On XXXX/XXXX/XXXX, at XXXX p.m., I called Green Tree to make my XXXX of the XXXX monthly payments. I spoke with XXXX XXXX, and told her I wanted to pay the {$2300.00} over the phone. She said I could not and instead demanded aggressively that I pay the full arrears of about {$31000.00}. She would not let me explain that I had an agreement with XXXX. Finally she started asking me about my financial situation and my income. I asked her why and she said she had to fill out an application for me before she would know if I qualified for the same workout package that XXXX had given me. After taking my information, she said it looked as if I might have a chance to qualify for starting a new trial period that would last for XXXX 4 months. Then she said she would mail me the workout application package for me to complete. She told me I needed to get it back to them in about 3 weeks, and gave me a fax number to submit it to. She said it would be best to get it in by XXXX/XXXX/XXXX. This call lasted XXXX minutes. I did not submit the form. According to Green Tree 's monthly statements, the arrears are up to {$46000.00} as XXXX XXXX, XXXX. I have been setting aside the monthly payments in my bank account since Green Tree refused my XXXX/XXXX/XXXX payment. On XXXX XXXX, XXXX, I received a call from a Green Tree representative in XXXX, AZ. She asked if I had received the certified mail they had recently sent. I had not, I told her, so she explained that I had 30 days from the date on the letter, which she claimed was XXXX/XXXX/XXXX, to correct to the default by paying {$41000.00} within 30 days of the date of the letter. Or I had the opportunity to cure the default by making a workout agreement. If I did not cure the default within the 30 days, they might begin foreclosure thereafter.
07/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76244	Web
On XX/XX/XXXX a payment was debited from my account in the amount of {$250.00} made payable to ditech. In XX/XX/XXXX the payment was identified as being 30 days late. I called and explained the auto-payment scheduling had expired and once I noticed, made the payment immediately which was less than 30 days. They contend that they dont do people favors and that they did not receive the payment. Below is the correspondence that I sent them and never received any resolution to the issue of this payment was not 30 days late. I even included a copy of my bank statement. I believe ditech has issues with their accounting systems that dont properly reflect when payments are received and deceptive in not contacting you in the event that there is an issue with your account. I have consistently paid this debt in a timely manner and take exception to how I was treated and the fact I have a derogatory mark on my credit report. XX/XX/XXXX I dont appreciate the flippant tone used in the letter and the intent behind your words are both troubling and reason for me to escalate internally in your company. As mentioned in my initial complaint, these payments set up through auto-pay from my account on the same time each month. There was an issue somewhere along the way and once it was identified I immediately submitted payment. If the account representative that called me would have informed me of the issue the payment would have been made sooner. Attached is a copy of my bank statement showing the payment was made on XX/XX/XXXX, so this indeed needs to be corrected on my credit report. Please adjust on XXXX and XXXX immediately. XX/XX/XXXX As previously provided payment was received prior to XX/XX/XXXXthe {$250.00} is shown debited from my account on Wednesday, XX/XX/XXXX. There was no check to provide because this this was an electronic transfer which your antiquated records should show. I am not requesting a courtesy or need assistance with my credit score. You records are incorrect and I will be providing this proof to all three credit unions and will escalate internally within your company prior to finding another institution to service this loan. Your correspondence has been unprofessional and disrespectful. This is my final request for you to rectify the situation. XX/XX/XXXX As previously stated, I dont agree and will begin the dispute process with all credit agencies. I am also in the process of trying to transfer this loan to another financial institution. I have excellent credit and always available to discuss any issues revolving around my account but I will not tolerate the unprofessionalism and disrespect I have experienced the past six months. I also plan to provide copies of all of our correspondence to the current President XXXX XXXX The way this business has been handled up to this point, I am not surprised that this is the fourth CEO named in less than a year.
09/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27332	Web
I along with my Realtor have been working with Green Tree Sercicing LLC ( " Green Tree '' ). now Ditech Financial LLC effective XXXX XXXX 2015. My house located at XXXX XXXX XXXX has been on the market several months, we requested and was granted permission to conduct a short sale. My Realtor presented seveal offers to Green Tree but they refused each saying they did not provide the level of funds they desired. My Realtor discussed options with me and I decided to pursue the Deed in lui of Sale if the final offer was refused by Green Tree. My Realtor conveyed this to the Green Tree representative, who did her best to support us. We then received word that Green Tree would pursue foreclousure procedings on XXXX XXXX and a decision was needed atleast 30 days prior to allow for the deed in lui of sale to be processed. My Realtor attempted several times to contact Green Tree to advise them of the decision to pursue the dead in lieu of sale but could not contact anyone ; she final got through on XXXX XXXX, XXXX day after XXXX ) and was told it was now to late to request a deed in lieu since it was inside the 30 day window. I spoke with the Green Tree representative and requested they reconsider since attempts were made to contact them prior to XXXX XXXX and they were closed on XXXX XXXX for the holiday. It is unreasonable that Green Tree would refuse to accept my request for a Deed in Lui with the rational that it was XXXX date late given the prevailing circumstance. I have made every effort to resolve this mortgage issue, I informed Green Tree that my hands have been tied and mitigation processes were not an option since I have a court order mandating the house been put on the market and any proceeds shared with my former spouse. I continued making payments on the house and maintaned the insurance even though I would not recoup any profits from its sale. I explained to Green Tree it did not make sense to foreclose on the property and they reap pennies on the dollar versus accepting the offers submitted or now the deed in lieu of sale. The Green Tree representative told me her hands were tied and the final decision rest with her leadership. I am sending a letter/email to her leadership asking them to reconsider but also need the foreclousure process to be pushed back to allow time for us to reconsider the options and come to some common level of understanding and agreement on the way forward. I am currently vigorously involved in yearend closeout with the United States XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina and have scarce amounts of available time to make personal phone calls regarding this matter. I need the foreclosure proceeding pushed back to allow me and my Realtor to work out reasonable options with the Green Tree/Ditech representatives. I can be contacted at XXXX from XXXX to XXXX daily and XXXX in the envenings. XXXX XXXX XXXX XXXX, XXXX
06/15/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AZ 85710	Web	Older American
Our XXXX mortgage was purchased by DiTech Financial. Every payment we made was on time. The HUD government entity XXXX paid off our loan on XXXX XXXX to DiTech. And DiTech told us a refund check for our escrow in the amount of {$640.00} was mailed to us on XXXX XXXX, 2016. As of today 's date we have received nothing. We called DiTech on XXXX/XXXX/16 to make sure the check had indeed been sent out and the customer service rep, XXXX, in XXXX XXXX assured us that the check was sent out on XXXX/XXXX/16, and she verified our address that it was sent to. She said the escrow department was located in XXXX XXXX XXXX. She asked us if we would like her to put a stop payment on the check and have it re-issued. We told her we would be willing to wait one more day, and if it had n't come we would then call back and have a stop payment and re-issue done for us. On XXXX/XXXX/16 there was no check in the mail so we called to have the check cancelled and re-issued. We asked if they would expedite it for us since we are in need of this money and had not planned that this would happen. The person we talked to is XXXX. She said she did not have the power to expedite a payment but she would get us a supervisor. Finally, a person named XXXX answered the phone, Extension XXXX, ID # XXXX, Supervisor. We asked her if she could expedite the check since we were needing it for an upcoming payment and she proceeded to tell us basically that we are SOL. She was not willing to cancel the check and have it reissued without us waiting another 30 days. She would not tell us the bank nor the check # that the supposed check that was supposedly sent to us was issued on. She told us that they did not have an Escrow Dpt. for DiTech Financial, that everything was done through Customer Service. She refused to verify that a check was even sent and said she was unable to do anything to help us. She said that what the XXXX customer service reps. told us was not true, and that they should not have said that to us. We contacted the HUD Government Offices of XXXX and they gave us your name, and said to file a complaint immediately. So, we are doing so. We appreciate any help you can give us, because it is obvious that DiTech does n't care if we receive the check or not. We are attaching a letter that we had received from DiTech, dated XXXX XXXX, 2016, the day they claim our refund check was mailed. We received that letter in XXXX days so had the check been sent that day we certainly would have received it by now, XXXX days later. The letter they sent us was a breakdown of our escrow showing the refund we are to receive. DiTech 's phone # is XXXX. This is all the information we have for you. Our government XXXX Representative 's information is : Administration of Resources and Choices, HUD Certified Housing Counseling Agency, Financial Counselor is XXXX XXXX, Phone # XXXX, XXXX XXXX. Thank you again
12/29/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 77357	Web
I am applying for a loan modification with Ditech, the third lender purchased during the modification process. During the past year my A/C broke and the replacement caused water damage to the newly installed floor ; that I also just happen to XXXX attempting to install ( amputated with a circular saw ). Additional items with my house during the past year alone, I 've had to replace plumbing parts/repair on aerobic system, replace a broken dishwasher and washing machine. I was able to file a claim with XXXX, the insurance company my lender enforced for insufficient coverage previously. The insurance adjuster, XXXX ( asked I call him XXXX ), processed settlement claims/checks for the floor replacement, after deductions approximately {$3800.00} ; and advised the A/C payment would be in two installments, with the final installment paid when the adjuster receives the invoice of completed work. XXXX sent the first installment of XXXX {$1800.00}, and I sent him proof of the work that was completed as instructed but never received the remainder settlement check, nor any explanation or otherwise comments/advice. Therefore, my floors remain damaged, as his report will reflect. The checks were issued in my name and Ditech 's, therefore, I sent for signature after receiving specific instructions sending via XXXX. The A/C servicer is 'harassing ' me for his payment. He deserves to be paid but I can not pay him until Ditech releases the check paid toward the A/C. I owe {$2800.00} for the A/C, but XXXX 's Insurance Adjuster has decided to dodge my calls ( ID ), does not respond to my e-mails, or text messages ; same or similar actions with Ditech and its claims department. I have been treated as if I 've done something wrong. It 's ridiculous, and I 'm at a loss for much more effort toward working with these crooks ( for lack of better descriptions ). The Claims Department with Ditech, and/or XXXX ( in-house insurance ) have been willing to respond to my inquiries of the final payment toward the A/C repair with the invoice I submitted, nor the release of checks requiring Ditech 's representative signature/endorsement. Because of the long-drawn-out modification process, most recently XXXX/XXXX/15 of yet additional documentation and request to complete the entire modification paperwork/pack my credit is less than perfect, so I 'm in a lease program for the large appliances. Instead of replacing the entire A/C unit, repair/replace parts as described within/enclosed and still owe for that {$2800.00} service, I have had estimates, but ca n't replace the water damaged floor because my mortgage company will not release the monies paid on the claim. Appreciate your overseeing of the A/C second/final installment based on completion invoice submitted, as agreed/instructed. As well as, enforcing Ditech to endorse and release the funds issued, currently in their possession.
05/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48071	Web
To whom it may concern, My name is and I am a customer of yours, account number, in XX/XX/XXXX My wife and I had entered chapter XXXX bankruptcy due to overspending and being heavily in debt. We never missed a payment but realized that we were not getting ahead. When our case was filed, the courts ordered an escrow analysis on our account. When the results came in it was noted that our account was short the cushion that is required, so in turn raised our payment to accommodate the shortage. We were never mailed said analysis nor were we notified. Even after the analysis was done, we received a statement with our old amounts on it even after the date was given on the analysis said they would raise. When we finalized our case and signed all the paperwork, we did not notice the raise in our payment. So, we continued to pay the old amount for 48 months. If we would have received an analysis, or if would have been sent to the courts or my attorney, the next year I could have adjusted my payments then I would not be in this predicament. In XX/XX/XXXX we received a statement with all the numbers on when that hadnt been the case before due to the federal law and the new changes. After reviewing the statement, I noticed that we had what was called monies in suspension so I inquired about this and that is when I found out about the arrearages. I instructed my Wife, who pays the bills in my house as with most households to start paying a little extra on top of the new amount. So, we proceeded to do so for the 12 or so months. In XX/XX/XXXX I pursued this matter even more and started to do my own digging and concluded that your company has not done an analysis for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After many phone calls to your customer service dept. We finally realized this, however no one in the department would or could not answer the reason why. So, the person I was dealing with expedited an analysis for XX/XX/XXXX and the previous years however those years were not performed. I have been calling about this matter for 2 months now, if not every morning but close to it. I have reached the customer care person, the escrow person the director of that division and so on. After receiving the payment history from my insurance company and my property taxes and performing my own analysis there are some discrepancies that need to be addressed. Bankruptcy is stressful enough but the process of getting this straight is very taxing. And all I want is when I come out of Bankruptcy in XX/XX/XXXX that it is a smooth transition and I can move forward without any further blemishes on my credit report. I am writing this letter for your assistance in this matter as I am not getting anywhere with the customer service, I keep calling every day. I am a man that if I owe, I will pay but you must give me proper documentation stating so. Thank You
02/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28056	Web
Ditech sold my mortgage loan in XXXX XXXX and my XXXX XXXX payment was due to a separate bank. I made both XXXX XXXX and XXXX XXXX payments with XXXX check ; both payments were made, in full and on-time. Ditech then repurchased the loan, less than 30 days later, XX/XX/XXXX and created a disaster. Ditech associated my original loan with the incorrect property address, they began mailing things to an address that does n't exist, they had people other than my husband and I listed as borrowers, they transposed our dates of birth and associated completely incorrect social security numbers to the loan ( SSNs that do not belong to my husband or I - perhaps they belong to the listed borrowers?? ). Ditech also changed the payment amount of our FIXED RATE loan and failed to accurately post the payment made in XXXX XXXX ; due to the incorrectly applied XXXX XXXX payment, every payment since then shows up as a late payment and my account has been past due for 60+ days according to Ditech XXXX For XXXX weeks neither of us could even speak to anyone at Ditech because all of the loan information was incorrect so we did not know the information needed to get through the security prompts. I have been getting collections calls constantly and because the loan account numbers, social security numbers, dates of birth, borrower names and property address were all incorrect at the time of the loan transfer, this is an issue that must be corrected at the corporate level ; wherever the original changes were made to the account information. Today I learned that since nothing is matching up on the original or the current, repurchased account, the folks at Ditech can not even see my XX/XX/XXXX payments and my original Ditech account and my current, active Ditech account are not linked to one another. This gives me concerns about the validity of the loan that 's assigned to me via Ditech ; I 'm not even certain my husband and I are the appropriate borrowers for that loan. This is especially concerning since the social security numbers, borrower names, home and property addresses and various account numbers did not reconcile at the time of the loan transfer. I have requested copies of the promissory notes associated with the original Ditech and the repurchased loan but have not received one reply. I have been referred to XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ) in Ditech 's corporate office for assistance but all she does is refer em to customer service and they can not assist. I have been told numerous times that the issues with my account can not be corrected at the customer service level ; they must be corrected at the corporate level. I 've been referred by both customer service managers and collections managers to XXXX XXXX ( XXXXXXXXXXXX ) in the corporate office to resolve ; she has been aware of this for more than 6 weeks and has failed to take any action whatsoever.
05/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60453	Web
I filed a formal compliant in XXXX XXXX against my mortgage company, Ditech, because they had failed to acknowledge or resolve the numerous letters I had written trying to understand an escrow issue. Please refer to the CFPB XXXX # XXXX. I received a less than satisfactory response to my complaint on XXXX XXXX, XXXX. While parts of my inquiry were addressed, Ditech has since then failed to acknowledge or resolve the remaining parts of the complaint. I have not heard anything since XXXX XXXX, XXXX, yet Ditech promised to supply me the XXXX 's I had been waiting for and to reimburse me any fees or penalties I am due. So my new compliant consists of the following : 1. ) Ditech supplied all the correct amounts and disbursement dates and indicated that they would adjust my XXXX and send them to me. I would like to understand how the error on the XXXX can happen in the first place? I would also like to understand why I have not received those corrected XXXX. No explanation or resolution after almost one year of disputing this is unacceptable. 2. ) I would also like to understand the credits and disbursements made. If I look at the escrow analysis you provided it shows that a payment was made to the County in XXXX XXXX for {$1200.00}, but then in XXXX XXXX a credit showed of {$1500.00}. Why is there a difference in the amount? Same thing for XXXX XXXX, a payment was made in the amount of {$1400.00}, but a credit in XXXX XXXX for {$1700.00} was received ... why the difference in amount? It appears as if the credits are more than the payments, so I would like to understand that. 3. ) I received notification that a disbursement of {$1800.00} was sent to the County on XXXX XXXX, XXXX. I called Ditech Customer Service and they indicated it was because the County refunded Ditech for my Parcel #, but Ditech sent it back. When I spoke to the Representative on XXXX XXXX, XXXX she was unable to explain why a credit was received and why it was sent back. I see that a credit was made to my escrow balance in XXXX XXXX for {$2000.00}, what this a refund from the County? If so, why did we send back only {$1800.00}? The representative told me she would get back to me in 14 business days, and as I file this dispute it is now XXXX XXXX. Almost 2 months later, and I have still not heard back from Ditech ( verbally or written ). 4. ) I find this absolutely appalling that I ca n't even contact my Mortgage company and trust that I will get an explanation or hear back. I have to call, write, or file formal complaints to try to get answers. As a consumer this is very frustrating that I have to continue to business with a company like this and can not leave them unless I refinance and pay all the fees associated with this. I have a right to understand my mortgage, and should not have to keep writing in order to get a response to questions I have been asking since XXXX XXXX.
01/05/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	VA 23503	Web
My mortgage was transferred, effective XX/XX/XXXX, from XXXX XXXX XXXX to DiTech. In accordance with the mortgage transfer instructions, I made a payment direct to DiTech for the payment due on XX/XX/XXXX. Payment was made via check, and was mailed, in accordance with the instructions, to XXXX. XXXX XXXX, XXXX, CA XXXX. As I did not yet have a DiTech statement or an account number I sent a copy of the transfer letter ( from XXXX XXXX XXXX to Ditech ) along with my check. Payment was made via check drawn from my XXXX checking account. The check was made payable to " DiTech Financial '', and was cashed by DiTech on XX/XX/XXXX. As I did not have a DiTech account number, I included my previous mortgage service ( XXXX XXXX ) account info on the check, thinking it would simplify the transfer completion. The check was for {$2900.00}, slightly more than the {$2800.00} due ; I had indicated on the letter included with the check that the additional {$40.00} was to be applied to the principal balance. I 've made 2 phone calls, to no avail, and I 've submitted 2 separate requests via DiTech 's customer service portal. During the phone calls, the customer service representative was absurdly rude and extremely condescending even as I explained I had a copy of the cashed check ... she insisted that DiTech did not cash the check. It 's absolutely egregious that almost XXXX weeks after DiTech cashed my check, my mortgage account has not yet been credited, and DiTech ca n't tell me what they did with my check. I 'm well educated ( XXXX ) and have a federal job that requires me to maintain a good credit worthiness rating ; DiTech 's mishandling of the mortgage transfer and inability to credit my mortgage account with a payment made weeks ago is putting my credit rating at risk. Also, end of year tax statements will be inaccurate due to their mis-handling of my payment. To make matters worse, as a result of my submitting a request for assistance via DiTech 's customer service portal on-line, I get a form letter that says, in part, that the communication is an attempt to collect a debt, from a debt collector. And, that they will reply in writing within 30 days. Unbelievable!!! Most ridiculous customer service model I 've ever heard of!! Put simply, I want the payment I made on XX/XX/XXXX, to be appropriately credited to my mortgage account, effective that day. This seems to me to be a very straight-forward matter ... I made a payment on time, DiTech cashed the check on XX/XX/XXXX and it still ( as of XX/XX/XXXX ) has n't been credited to my mortgage account. I have attached a front and back copy of the cashed check ( made payable to DiTech ), as well as a screen shot of my bank statement showing that the payment was drawn from my checking account. These documents have been previously provided to DiTech, as well. Please advise/assist. XXXX XXXX XXXX
06/06/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 207XX	Web
Dear Consumer Finance Protection Bureau, I have been having a problem with the Ditech LLC, loan servicer for my mortgage. After months of working to negotiate a loan modification I have been denied. The loan modification process was fraught with constant frustration in dealing with Ditech which has insisted repeatedly on applying grossly inaccurate and incorrect information to my application. At this point I have no idea whether I would qualify for a loan modification or not, but I have concluded th at Ditech was never working in good faith to determine if I could qualify for one, tho ugh their attorney told me in foreclosure mediation that I would definitely receive a modification and be able to keep my home. It seems in hindsite that their strategy was simply to burn up time and let my monthly arrearages accumulate until they go to a point where the amounts were too great to qualify for any forbearance in a loan modification guideline. While I have not given up on the possibility of pursuing a modification to make my payment more affordable, I am now forced to switch approaches to the immediate problem, because the foreclosure process has moved forward and has gotten to the point where there is a Foreclosure sale scheduled for Monday, XXXX XXXX , 2017, at XXXX . This is only 5 days away. As an alternative to this foreclosure I have been attempting to pursue making full payment of the past due amount to reinstate my loan. However, again I am experiencing that Ditech is not working in good faith to accomplish this. On XXXX XXXX , 2017 I made a formal request by phone to Ditech for the full amount of funds required for reinstatement. Ditech told me this number would tak e 3-5 b usiness days to prepare. Today XX/XX/XXXX , is the 6th business day. I have not received the reinstatement amount. Ditech is not answering my phone calls ; they are being filtered directly to voicemail ; and Ditech is not returning my repeated voice mail messages. I do not intend to allow the foreclosure process to proceed and will seek the alternative of a bankruptcy filing to prevent it however, this is not only asinine, but very harmful to my attempts to rebuild my life and prevent additional damage to my credit history. I have secured through savings enough money to presumably pay the reinstatement amount tomorrow. But because Ditech is ignoring my phone calls, and my request for a reinstatement amount, I can not make the reinstatement payment. This forces me to spend another {$3000.00} dollars in legal fees to stop the sale with an unnecessary bankruptcy filing. This just seems wrong. Are there any laws being broken with Ditechs obfuscation, stalling, and delaying tactics? Is there anything you can do to help me with this? Anything at all would be greatly appreciated. Thank-You
08/01/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30680	Web	Older American
I had lost my job several years ago, and was in danger of losing my house. I got help from XXXX my state 's entity for passing along monies from The Hardest Hit Fund. I was under foreclosure protection by being in that program when my original Mortgage holder sold my mortgage to another company. Before I was made aware of the sale, the second mortgage company IMMEDIATELY put my house into foreclosure. When I found out, I contacted XXXX who contacted them, and the foreclosure was stopped. However, the second mortgage company charged me for their legal expenses/lawyers fees by tacking an advance balance on my mortgage of about {$2500.00}, and when I appealed they said nope ... we want our money. I assumed it was resolved since I never heard back from them about their conclusion until they sold my mortgage to a third company. That 's when I started getting monthly statements that listed an advance balance. I 've contacted my current mortgage company XXXX separate times complaining about it and asking that it be removed. I contacted XXXX and the personnel there talked to my current mortgager about dropping the advance balance and the mortgager told the agent of XXXX that there was nothing to worry about that the Advanced balance is XXXX. I thought the issue was resolved but when I tried to get a lower interest rate, bam, I still had an Advance Balance of nearly {$2500.00} that had to be dealt with first ... not some new advance fee, still the amount that was transferred over from the erroneous foreclosure. I talked to them and was assured it was resolved. I 've applied for refinancing again and guess what? The advance balance was still there and at the same amount. I talked to my mortgager one more time, and was told it was going to a special research department. That was over two months ago. No communication from them and the Advance Balance of {$2400.00} keeps getting posted on every bill I receive. Since I never should have been put in foreclosure to begin with ( 1 ) Why was I charged for paying their lawyer to put it in foreclosure to begin with? ( 2 ) How can they tell XXXX there 's a zero balance and whenever I communicate with them or receive a bill the balance is {$2400.00} ( 3 ) I 've tried to get this resolved with my current Mortgage company about every 2 months for a half a year now. They assure me they 'll take care of it and are having a separate department research my issue, and yet they never give me any feedback on how my complaint is progressing and act like they never heard of me complaining when I contact them for an update. After this many attempts I can only come to one conclusion : they wo n't remove the advance balance and are throwing my complaint in the trash can/dead file every time I ask. ( 4 ) When I sell the house, I am sure they will try to skim {$2400.00} off of any moneys I have coming to me after the sale. HELP!
03/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 31794	Web
My mortgage was transferred from XXXX XXXX XXXX to Green Tree Servicing last year. I have kept my account current without any issues. I received a letter in late XXXX stating that my escrow account was in the arrears and if I did n't pay the full amount by XXXX XXXX, 2015 my payment would increase. My loan did not have an escrow account when I was transferred to Green Tree nor did I request one when I was transferred. I called them immediately to find out how my escrow paid taxes that were not even due at the time of payment without my knowledge or consent and was informed I received an statement of escrow in XXXX ( Which I did not have any knowledge of ) and that because I did not respond they enacted an escrow on my behalf. It is my understanding under the current laws that if my loan did not have an escrow then it can not be forced into escrow when the service of the loan is transferred. I explained this to them and they agreed that this was done in error. They told me that they would request the county refund their payment and that once they received the money back they would close out my escrow. They even went as far as telling me that if the payment was sent to me to forward it on to them. I believed this was the end of it, unfortunately I was wrong. I received my monthly payment notice with an escrow payment attached in XXXX. I was informed that it was still being taken care of and that I should pay the amount of the escrow payment until they get it cleared up. I asked if they had even sent notice to the tax office and I was told no. After several phone calls I was told I was " misinformed '' that I would have to submit my request in writing for them to terminate my forced escrow that once I did this and paid the arrears they were remove the escrow. I received my XXXX bill the escrow was still their. I can pay the amount of the taxes but do not want them to misapply the funds so I am in a catch 22. I have to pay it to remove escrow, but they ca n't guarantee I am paying the arrears. I have also now been informed they have no wish to remove my forced escrow even through I gave them no reason to enact it in the first place. My taxes are not due in XXXX. It is my understanding the only way I can be forced into an escrow on an account without an escrow is if I am at risk for default. As I have always paid my own taxes at the same time every year and have never had a default against my property, I really do n't see how this is legal. I have explained this to them. Was told it would be cleared up and it has yet to be done and now over two months later I am being given the run around. I pay my payments, I pay my taxes their is no need for this. Also I have not been given any itemization of what they are taking out escrow on. Only that they paid my taxes before they were due and I must pay them on my statement. Please help me clear this up.
12/21/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 78230	Web
I have a mortgage that is serviced by Ditech ( https : //www.ditech.com/ ). I 've noticed a flaw in Ditech 's online payment process, that I believe to be an intentional act of deception to increase their own revenue in a way that a consumer ( borrower ) would never notice. Let me explain : When initiating an online payment on Ditech 's customer portal, the main welcome screen after logging in will show my current mortgage balance. If my payment is late, or there are any other applicable fee 's, this number will reflect them. Now, I click the green button to " Make An Online Payment '', and I 'm redirected to a screen with my past payment history. Here I see a ledger of my prior payments. I then click continue and I 've arrived at the Electronic Payment form which has my payment amount pre-populated for me. Maybe you 're thinking, " How nice of Ditech to make it easy and pre-populate my payment amount ''. WRONG! Yes, that would be convenient assuming I did n't have any late fee 's, but let 's assume I 'm making a late payment. Their form will still only display my monthly payment without penalties and fee 's. Nowhere on the payment form does it show anything about late fee 's. What 's worse is, the total payment field can not be edited, but they do include an " additional amount '' field where you can add to your payment. Ok. So I login. I see that I owe {$1600.00} from my main welcome screen. Click Make Electronic Payment > Continue > Electronic Payment Form. Click I see that my payment amount is pre-populated, but this number says {$1600.00}. Huh? Click Back Arrow, Back Arrow, Back Arrow Click Ah, I see, I owe some late fee 's. Click Forward Arrow, Forward Arrow, Forward Arrow Click Now I add that amount in the " additional amount '' box underneath " payment amount '' and everything is copacetic. How many people do you think completely miss the fact that they must manually add in their late fee 's? Making a payment in a hurry, I would imagine a very large number of people click through each of the screens without even realizing that Ditech wo n't include the late fee 's on their pre-populated " payment amount '' box. By leaving the {$50.00} late fee off, next month that late fee will grow and grow..and grow, leaving Ditech with a nice little bonus. Multiply that by the amount of loans they service and it probably adds up to a very large number. They have a very sophisticated portal, so I can not imagine this being a technical limitation. I mean, all they would need to do is pull a different number into the form ( instead of the monthly payment, pull the current balance ). Alternatively, they could include my late fee amount on the payment form, in red. They are a massive company that has been in business for a while, so I do n't see this being an accident either. It looks, smells, and feels like deception.
07/20/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	DC 20011	Web
Through XXXX I received a trial loan modification from DiTech which began in XXXX, 2017 and successfully completed my payments in XXXX, 2017. I have been waiting since the completion of my final trial loan medication to receive my finalized loan modification documents. XXXX, XXXX XXXX XXXX worked with a XXXX . XXXX in DiTech through this process, however in XXXX, 2017, DiTech forwarded to me through their attorney Default asking for the amount that I am paying through Chapter XXXX. I have been current and so they withdrew those documents. Now they are refusing to forward me my finalized loan modification documents. When I got the loan modification I was told by my bankruptcy attorney and XXXX that my payments to the Trustee would be reduced or cancelled once I received the final documents. DiTech after months of trying refused to speak to XXXX and they have my written consent to do so, and they refuse to speak to me. When I call they tell me that they are still working on the documents. When I ask how long its going to take or why is it taking so long, they wo n't answer and try to brush me off to the loan modification unit which only transfer my call back to the bankruptcy unit. My attorney called them last week, on the XXXX to be exact and was told that I would receive my documents when I made my final payment in XXXX. I never received any thing from DiTech informing me that they had changed my trial loan modification documents and when I contacted XXXX XXXX of XXXX they had no knowledge of this either. So I immediately called them back and they informed me that they were still working on the final papers. They had no problem sending me a Default notice to foreclose on my house in XXXX, which they withdrew once XXXX and my attorney got involved and we sent them copies of the trial modification submitted by them. They have made it virtually impossible to live. I pay the trustee XXXX per month and them XXXX. So they are collecting monies from the trustee which should be stopped because those amounts were added to my trial loan modification, plus my monthly mortgage which increased from XXXX to XXXX. I ca n't afford my medication, to buy food, pay my utilities and if the Federal Government was n't paying my transportation costs to and from work, I would n't be able to get to work. Please make them forward me my final loan modification papers. They are illegally getting money from the Trustee and me and they have gone up twice on my mortgage since I 've filed bankruptcy and my homeowners payments decreased by XXXX. Please help me. Thank you. PS I won several class actions suits, though not a lot of money, for predatory lending and submitting false balances on my account, like they did to others. Please help, I am XXXX and need my medications or I could die. I have XXXX XXXX XXXX, XXXX, and some other aliments I would like to keep private.
10/12/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MA 02144	Web
I am submitting this complaint because the mortgage company, Ditech, that is the current holder of the mortgage on my house says that I am behind on at least XXXX payments. I filed Chapter XXXX Bankruptcy in XXXX, XXXX, as I was behind on my mortgage, as well as on some other bills. At the time I filed the Chapter XXXX, XXXX XXXX XXXX was the mortgage holder, it transferred to Greentree Servicing, then to Ditech Mortgage. The Chapter XXXX Trustee paid a total of {$58000.00} to both XXXX and to Greentree on the mortgage arrearages. I have paid all payments since the filing of the Chapter XXXX. When I had completed the bankruptcy, in XXXX, Ditech said that I was behind XXXX payments. XXXX payments. I gave them copies of the last XXXX payments that I had made. Ditech said they had received those payments. I then created a spreadsheet showing a all of the payments that I made since the filing of the Chapter XXXX. After their review of my information they said the payments that were missing were from XXXX, XXXX, XXXX, XXXX and XXXX, XXXX. I provided copies of the missing checks to their local attorneys, XXXX XXXX. At that point they said that I had underpaid some of the payments and that I owed Ditech approximately {$830.00}. I then gave the an updated spreadsheet showing that I had paid the amounts that were on the bills that I had received, and that I had actually overpaid by about the same amount. At the point the bankruptcy was concluded, and I thought that all payments had been properly accounted for. In XXXX, I requested an Escrow Analysis to ensure that there was sufficient funds in the Escrow Account as my Homeowners Insurance had recently increased as well as the Property Taxes. The Escrow Analysis show that I have approximately {$3200.00} in excess funds. They said a check would be sent for the excess in about XXXX to 6 weeks. After that period went by, I contacted Ditech to find out when the check would be sent. At that point, they informed me that I was three months behind on my mortgage payments. I sent them all the information that I had previously sent to their Attorneys. They told me it would take about 30 days to do their investigation. At the end of XXXX, I received a letter from them stating that I still owe them three months of payments. On XXXX XXXX, I contacted Atty. XXXX XXXX from XXXX XXXX who had handled the information back in XXXX. She was going to contact Ditech to find out what was happening. She has not got back in touch with me. At this point, I need to have make sure that all of the payments that I have made have been properly credited. I have been requesting full access to all the features of the website, due to the bankruptcy I was not able to use them, but now that the bankruptcy is over, they have not given me full access. I also would like to receive the check for the excess escrow balance.
01/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02747	Web
My husband & I applied for a XXXX Loan Modification that was approved in XXXX XXXX with XXXX XXXX XXXX. In XXXX XXXX we had trouble making the monthly payment due to a 2 week lag in pay due to a change in my job. We made a pmt of {$750.00} towards my {$1900.00} pmt by the beginning of XXXX to show good faith. Yet we received a Notice of Intention to Foreclose by XXXX XXXX. Then we made another partial pmt and again received a Notice of Intent to Foreclose the following month with 'legal fee ' of almost {$1000.00} added on. I contacted XXXX almost daily trying to find a way to bring the acct. current but I was told the total amount due including the legal fees were required and they would n't stop the foreclosure process until we paid the full amount including the attached new legal fees. Then they told me they WOULD NOT accept any partial pmts ; this all happened in a 3 month period. Frantic, we borrowed the money from my grandmother & paid the entire amount XXXX demanded. We were very upset at the time that after missing a partial pmt in XXXX, that XXXX would start foreclosure the following month and add on legal fees so quickly but, we felt completely helpless and at the mercy of XXXX. We can admit when wrong and we were wrong by making only the partial payment late but we were trying to make every effort to become current right away and we were trying to make partial payments to show good faith. Once the legal fees were attached, it was becoming impossible to catch up. I will remind you this all took place within a 2-3 months while we were still trying to making partial pmts. Anyway, once we borrowed the money to bring the acct current, we decided to put the whole disaster behind us. My problem now and questions are .... In XXXX XXXX sold our mortgage to Greentree XXXX Ditech. We received a letter from Greentree in XXXX XXXX informing us were eligible for the Pay for Performance incentive under XXXX. but then in XXXX XXXX Ditech sent a letter stating after an audit of our account we are actually ineligible for any of the incentives because XXXX told them we were 90+ days late back in XXXX. Ditech has now reversed XXXX credits we 've already received from a different incentive adding {$2000.00} to our principal balance and we are n't eligible for the {$5000.00} credit as well now. I have done some research and understand the incentive to be ineligible if : The borrower misses XXXX consecutive payments following the executions of the XXXX modification. ( That is, XXXX monthly payments are due and un-paid on the last day of the third month ) the, I would be considered ineligible for any of the incentives. We feel like we are being given the run-around and no one will give us straight answers. We were never 90 days pat due with XXXX in XXXX and we feel they were starting foreclosure proceeding very prematurely!!! Can you help?
10/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92651	Web
Hello, I have serveral problems on my credit report related to issues of mortage lenders buying from other mortgage lenders but not taking over the customer information amicably so that all ACH direct deposit was lost as well as actual physical address to send information to regarding new lender company. This is related to Green Tree taking over from XXXX XXXX XXXX ( formally XXXX ) and Ditech taking over from Green Tree. On both occasions issues caused me to go into default or have delayed payments because I did not even know the loan companies were now being taken over by another loan company. By the time I noticed my mortgage payments had not been withdrawn from my account I was late paying after spending hours and hours and hours on the phone and e mail to correct the incorrect information they had on file for me. In the case of Green Tree they were sending the new information to a work out gym in my city! The same thing occurred with XXXX taking over from XXXX XXXX. They also lost the ACH and customer information or did not ever receive it from XXXX XXXX. This also put my account into delayed payments. Finally after spending 2 years trying to remove these late payments on my credit report I have still not succeeded ( I spent XXXX dollars trying to get help from XXXX XXXX who send out form letters that did not help at all ) in removing these from my credit. To make things worse I also had to change bank accounts due to fraud so I set up all my auto payments on a regular website based account change for everything from water to electric to health insurance etc. but the ONE that did not work was Ditech of course! I received an e mail saying " thank you, you have successfully set up your automatic withdrawal with Ditech '' but it did not work so I called and called and finally got a manager who agreed to give me her e mail. She and I exchanged e mails over the course of two weeks during which time she could not figure out why the system would not update my new routing and checking number. Finally a colleague of hers managed to do it she said and so I thought all was well! Of course it was not and I found my account was seriously overdue while I was XXXX and did not look to see if the account was being withdrawn from. When I returned I did pay in full but again I was accused of being at fault for being late on my payments. I still have not managed to get their stupid site to work to update the information but I did record the manager reading back my routing and check number to be sure she did not mess up this months payment. All I want to do is to have my payments on auto withdraw and not have to worry but I have spent now 2 years trying to get this off my credit report and at the same time trying to get their faulty website to upload my new data. I am at the end of my rope. Please assist me. Thank you very much.
11/06/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CO 80015	Web
In XX/XX/XXXX of this year, I completed my Chapter XXXX bankruptcy. Being a single mother, it was a struggle but at the end of it all, I was proud of myself that I fulfilled all the conditions and still had a roof over my head for my son and me. However, in XX/XX/XXXX I began the process of refinancing my home and in doing so, discovered I was behind 3 months on my mortgage payments. This was news to me as I had NEVER received any type of notification, nor phone call ; nothing, to advise me that I was behind! While on a three way call with my mortgage consultant on XX/XX/XXXX, the Ditech representative told me a letter was sent to my lawyer regarding the changes to my account in XX/XX/XXXX. As I reviewed the letter I noticed I was not CC 'd on it. What if my lawyer was sick, what if it went to the wrong address? Lots of what ifs but should n't I have been contacted????? The payments went up from {$820.00} to {$1100.00}!! That is {XXXX}!! It may not seem like a lot but raising a child on my own, I have to count EVERY PENNY and this just killed me!! Then I was told that to not have it reported to credit, I needed to pay {$3200.00} to stay current! It took me 5 years to build my credit in hopes to have some freedom and now, to save my credit, I had to take out money from my 401k to cover those " late payments ''. Even after the fact, not one letter, phone call, nothing to advise me that I was behind!!!!! This not only ruined my hopes of building something better for my son and I but it has damaged my credit, ruined any chance of getting a refi for a year, etc. If I would have known about these changes, I would have paid the correct amount and saved myself this problem. Now, they wont do anything to help me!! In looking at my statements, nothing shows that my payment went up!! I asked why I was not contacted and they said it would be considered soliciting. Funny how other companies dont have a problem calling. I sent an email to my bankruptcy lawyer on XX/XX/XXXX asking for advice but have not heard anything. All I ask is that they take into consideration why the full amount was not paid because Lord knows if I would have known, I would have paid the correct amount. If they could reverse the negative impact on my credit score and note that the mortgage payment would have been paid on time ( if I knew about it ) I would be ok but it just floors me that not one phone call nor mailed document was sent to me to prevent this from happening!!! Now, I have to wait a year to refinance because Ditech shows me as being 3 months behind on payments. Almost {$1200.00} to pay my mortgage with no accessibility of getting that adjusted due to THEIR error!! I can barely make it as it is and now they can pretty much do what they want because they have me locked in again!! Its simply not fair!!!!! They should not be allowed to do this!!!
06/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IN 46227	Web
I became unemployed in XXXX, no fault of my own, and fell behind on my mortgage payments by 4 months. I was trying to work with Greentree ( Ditech ) to help me in anyway so I could get caught up. They offered me a trial payment period via telephone ... I never received an official letter of this conversation yet I sent my payment of {$500.00} in XXXX, XXXX, and XXXX XXXX. I could not reach my account representative so I made another payment for XXXX to be on the safe side. Finally a customer service rep said I think your next step in modification so I 'm sending you the application to complete. I sent all information back in but was denied modification. I 'm unsure why I was denied. I was only making {$9.00} an hour and my mortgage was more than XXXX % of my income. I have attempted modification 3 and 4 more times since and now I 'm told my mortgage is " not '' more than XXXX % of my income. In attempts to do whatever I can to save my home, I contacted XXXX to help me work with my lender. We completed a 3-way conversation XXXX XXXX. They basically stated there are no other programs I qualify for. I asked the question, " why did I go through a trail period of payments to just end up being denied time after time? '' The customer rep tells me that an offer was made to me by mail in XXXX XXXX. This was the first time ever hearing that an offer was made. I never received an offer. I then proceeded to contact XXXX XXXX, the investor for my loan. I filed a complaint against Greentree with a lady named XXXX. She has since contacted Greentree ( Ditech ) and advised them that an investigation be completed in this matter. I contacted Ditech first week in XXXX XXXX to follow up, customer service stated that all is noted but that 's all the notes she has. Meanwhile the foreclosure proceedings have accelerated and a sheriff sale is scheduled for XXXX XXXX XXXX. To add to the misery I have been put through during modification ( s ) include but not limited too.. ( 1 ) .fax numbers reading " no answer '' or " busy '' for days on end. Eventually calling to get a second and sometimes a XXXX working fax number. ( 2 ) My account representation changed sometimes every 30 days ... resulting in voice messages and documents never making it to anyone. ( 3 ) account reps being rude and laughing and snickering over the phone. I had many problems with one rep named XXXX. ( 4 ) modifications being canceled for unknown reasons and having to start over. I would also like to add ... the day before my court hearing, the mediation, with Greentree. I received by XXXX, a letter from XXXX XXXX XXXX stating that my XXXX % XXXX mortgage loan has been forgiven. ( {$12000.00} ). Now I know for a fact I can afford my XXXX mortgage payment, yet I keep getting denied. This also causing my mortgage to now be below the XXXX % of my gross monthly income.
07/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM 88310	Web
RE : Case Number XXXX I had filed a compliant after NUMBEROUS calls to DiTech Mortgage Corp., and their constant refusal to respond to any questions I had. They in fact have yet to respond to all the issue in the above referenced case number with the CFPB. Therefore I am having to file a new complaint with the remaining issues. In my original complaint : issue number 3 was as follows : 3. On my XX/XX/XXXX, statement there was a fee titled : Other XXXX. When I called to check on it I spoke with about 5 people that all told me a different story. Story 1. It was for the insurance. All of XX/XX/XXXX, they took out of my payment enough to pay for insurance in the amount of {$1200.00}. On my insurance renewal I found a new insurance company and my premium was {$940.00}. Obviously, I had overpaid on my insurance by over XXXX dollars. Story 2. It was for my taxes. Taxes do not go up that much in our town. They did not have the proof for that story. Story 3. I was behind on some sort of payment but they could not tell me what it was because their system did not show it. Story 4. The company in charge of distributing the Escrow payments had that information. They could NOT transfer me to them. I had to send a fax to Ditech and advise them of my dispute. NO REPLY to date. Story 5. System error and I would see the credit on my next bill. I have that now and NO CREDIT. I have yet to receive a response to this question. And again each time that I have called to ask, my account manager simply hangs up on me, repeatedly. ISSUE 2 : Recently I found out that you paid my old insurance, XXXX, over a thousands dollars, my new insurance XXXX XXXX dollars TWICE. How does a company come to disburse XXXX home owners insurance check for the SAME property for the SAME year. Are you not aware that insuring the same property more than ounce a FRAUD! DiTech has committed several FUDICIARY DUTY VIOLATIONS and INSURACE FRAUD, the way I see it. I see it this way due to there COMPLETE REFUSAL to COMPLETELY, PROPERLY and CLEARLY provide answers to their actions. ISSUE 3. XX/XX/XXXX, I get home and I have a bright yellow envelope hanging on my door, which I have attached for your review. I open the envelope and it ask for me to call DiTech. I immediately called and XXXX from Missouri answered and I told her I had an envelope on my door. She proceeded to look at my account and asked ME why I had that envelope. As you can see the envelope simply asks me to call. I ask her why I had the envelope and she just hangs up on me. As is company policy for DiTech. ISSUE 4 : I received this envelope form my insurance company. I have attached it for your review. It states that they have billed the mortgage company numerous times and have NOT received a response or payment. PLEASE RESPOND EACH ISSUE, not just one. They are numbered for your convenience.
05/24/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30228	Web
Dear Consumer Financial Protection Bureau, I am the primary and sole owner of a FHA mortgage. The mortgage was sold by the original mortgage company to the XXXX XXXX XXXX in XXXX XXXX. In XXXX XXXX XXXX XXXX XXXX sold the mortgage to Green Tree Servicing LLC now renamed as Ditech Financial LLC. I took great efforts to make my payments and kept them current until XXXX XXXX to XXXX XXXX when due to financial difficulties I trailed behind with my payments being made late. My wife spoke to XXXX XXXX, customer service representative on XXXX XXXX, XXXX who advised that we should not make any more payments on the account as the payments that were made for XXXX XXXX and XXXX XXXX were being refunded due to foreclosure against the property. Green Tree sent me documentations of the necessary options that I could take if I wanted to prevent the foreclosure so I opted for modification of the loan. I went through a HUD approved Housing Counsellor who assisted with the modification process. I had dialogue with XXXX XXXX, a mortgage advisor from Green Tree on XXXX XXXX, XXXX regarding the foreclosure and she informed me that my property was prompted for foreclosure because I had failed to make two full years of mortgage payments. I told her that was highly impossible as all the payments were made when the mortgage was with XXXX XXXX XXXX and also when it came over to Green Tree. I requested a detailed statement from XXXX XXXX XXXX to show all the transactions when they had the mortgage before it was sold to Green Tree and the statement accounted for all my payments. I also requested a detailed statement from Green Tree and all payments were accounted for prior to the three payments for XXXX XXXX to XXXX XXXX that were paid late. I questioned XXXX about the two years mortgage payments that Green Tree was indicating as missing and suggested that they did a detailed audit of the account to see where the error lies. XXXX advised me that if I was planning to do an audit of the account Green Tree would have no other option than to go ahead with the planned foreclosure of the property. Based on that advice I declined the audit in order for the property to go through the modification process. At XXXX XXXX, XXXX my principal balance from the statement I received from Green Tree was {$160000.00} Upon modification they gave me a new principal balance of {$230000.00} When I asked for a breakdown of the figure they told me all the outstanding payments for the two years in question and other foreclosure fees were added to bring the principal to that amount. Even though the modification process had gone through I am not at ease within myself. I feel that some grave mistakes have been made somewhere within my mortgage account and I am requesting a detailed professional review of this account. Thank you for looking into my matter.
04/28/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	CT 06811	Web
I am having with my mortgage servicer Ditech, Formerly Green Tree Servicing. They have the same employees from Green-Tree because I was told by an employee after I was abused again on the phone. Im sure that you are aware, but in case you arent Green Tree Servicing was issued over 60 million in fines for bad practices. I am unfortunately one of their customers and I have nothing but issues with them from the time my loan was sold to them. I am first and foremost a human. I became sick. I was receiving abusive phone calls from them every day of the month after the first day of the month. Any dealings with them were starting to be ignored by me and I stopped answering my home phone all together as I was just simply overwhelmed, sick and beginning to break down emotionally. I have a crazier situation in my neighborhood, but it would take a much longer letter to explain. I got a mortgage modification, and after about a year of this modification my mortgage went up in price. I am a human and as a human we make mistakes, so for five months I did not realize my payment went up. Green Tree because of the escrow shortage made it a full payment ( considered it to be that I missed a month-Instead of treating it like escrow. I was told by a supervisor on XX/XX/XXXX & I recorded the phone call that they would not report escrow as being late, yet that is exactly what they did. I had continued making my regular payment on-time, without the escrow increase unaware. When I realized it I immediately started to send extra. Ditech ( formerly Green Tree ) admits I made a payment arrangement with them. After making a payment arrangement how can you continue marking the on-time payment that includes and extra payment towards the escrow late? They admitted I made a payment arrangement with them & yet they continuously mark me 30 days & 60 days late. I was being marked late from XX/XX/XXXX XXXX the whole year of XXXX. I am in possession of the credit report, the printout from the mortgage company of the dates when they received the payments. I am getting no-where on the phone and they are unwilling to take those lates off of my credit. I get the run-around on the phone. These lates are not just marks on a paper, this is my life we are dealing with. Right now I found the perfect house, but I can not get mortgage approval ( its the only thing holding me back ) its urgent as I dont want to loose out on that home, its perfect amount of space, taxes are good, away from this community and private. I am trying to get a better life for my kids, we are currently a family of XXXX in a 860 sq ft home. The private community in which I live is a struggle. While I am grateful that I own a home, and I have a roof over my head, its not a toxic situation and I am asking you to please help me. This is bad practice. Please follow up urgently.
07/04/2019	Yes	Mortgage VA mortgage	Trouble during payment process	FL 32244	Web	Older American, Servicemember
On XX/XX/2019 I made an online mortgage payment of {$1100.00} to Ditech Financial LLC to pay for XXXX. The payment, unbeknownst to me, was not applied because I mistakenly transposed the last two digits of my bank account number. When I noticed that the money had not been withdrawn from my account after several days, I phoned my bank and learned that no request to withdraw had been received from Ditech . I phoned back and forth between Ditech and my bank for about five days asking about XXXX XXXX payment. Finally, a CSR from Ditech assured me that the payment had, in fact, posted as " received '' on XX/XX/XXXX. It was not until on or about the XXXX of XXXX I received a voicemail from a CSR from Ditech who left no detailed message but left a number for me to call Ditech . On XX/XX/XXXX, I received a form letter from Ditech informing me that my payment for XXXX was returned for non-payment. Nothing was mentioned about Ditech reporting to the credit bureau. Prior to this incident, I had begun the process of refinancing my home. It was because of that process I learned that Ditech had wasted no time in reporting a LATE payment on my mortgage to the credit bureau. The next time I called Ditech to dispute the negative credit bureau entry and was told to send an appeal/request via U.S. mail or fax to have the negative report reversed. I did send the fax. I included the fact that this was the fault of a simple error and due to the extenuating circumstances, they should reverse that report. Yesterday I received another letter from Ditech stating that they will have to " look into the matter '' and I should expect a reply in 30 days. What is there to investigate? I have told them what occurred, it was a SIMPLE typographical error. I have not missed a payment or been late until this incident. WHAT is there to investigate?? This is unnecessary. Incidentally, I owned my first house for 23 years and was NEVER late nor missed any payment. Ditech has served me an injustice. I did everything I could possibly do to verify my payment was on time. But due to their slow moving collecting system, payments take days to go through then even more days to be returned then more days to go through again. If Ditech was better organized, and their personnel better trained, and they had a faster collecting system could have possibly been avoided. And consider the fact that I was told my payment had been received AND posted as PAID. How can they justify such a hasty move to the credit bureau? I am sure you can understand my frustration. I am trying to refinance as well. The right thing for Ditech to do is to take that negative report off my credit file with the same haste that it was sent. **This statement can be corroborated by Ditech playback of their calls that are recorded with customers.
12/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91752	Web
After several phone calls, emails, mail, and faxes stemming as far back as XX/XX/XXXX, I have to date received no response from Ditech. I was told by a representative of Ditech formerly Green Tree that my supplemental tax bill would be paid out of my escrow account because there was a surplus in my escrow account. Long story short, I was continuously told that the installments were scheduled on time and they were not. I accrued {$420.00} in fees due to Ditech 's mistakes in not paying the tax bills on time, and was adamant in having Ditech credit me the fees that were accrued through no fault of my own. Several Ditech representatives indicated seeing my numerous faxes, emails, and calls documenting my diligence in providing them documents and following up on getting these issues resolved since its inception in XX/XX/XXXX -- to date no response has ever been received. In fact, I have now had my mortgage payment increased due to an escrow " shortage, '' even though they sent me a surplus check in XX/XX/XXXX. Yet when I asked why an annual escrow analysis was done in XXXX and again in XXXX, no one could answer my questions. This to me feels like I 'm being PUNISHED for wanting back monies that are rightfully mine. On XX/XX/XXXX, I emailed Ditech asking why they were issuing out Annual escrow analysis to me in 3 month increments? Well of course the account would be short in the computer, a payment would have just gone out in XXXX for XXXX regular property taxes! My regular payment at the beginning of the loan was {$2800.00} ( {$1900.00} in principal & interest, and {$940.00} escrow for taxes & insurance ), then in XXXX it changed to {$2600.00} ( {$1900.00} Prin & Int and {$710.00} escrow for taxes & insurance ) due to a " surplus, '' and now my XXXX payment went up to {$3000.00} ( {$1900.00} Prin & int and {$1000.00} escrow for taxes and insurance ) due to a " shortage. '' So, my payment went up {$350.00} due to an escrow " shortage, '' but no one can explain to me how, or will even call me back. I have been told for weeks that a supervisor will call me back -- not once have I ever been allowed to speak with one, even after several times of requesting to speak with one. I sought out legal advice and had an attorney write me a letter in the hopes that someone would call me back -- nothing! On XX/XX/XXXX was my final call to Ditech, again I was given the runaround. No supervisor was available for me to speak with, and no one could tell me why my payment went up or why an annual analysis was being done 3 months later from a previous one, or where my darn check was for the fees and penalties! It is blatantly obvious Ditech has no intention of paying me back my fees, and even went as far as increasing my payment as punishment for requesting those fees to be credited. To date no one has ever responded.
01/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98155	Web	Older American
On XXXX XXXX, XXXX trees fell on my house completely destroying the part of the house where I live. Since that time I have been homeless. My insurance company, XXXX XXXX, provided what I think will be enough money ( {$120000.00} ) to repair my house but all checks have required an endorsement by both myself and my mortgage company, Ditech Financial LLC. Ditech has cashed the checks but refuses to tell me if the money is held in escrow. I was able to borrow enough money to remove the trees ( {$12000.00} ) and the debris from my fallen house ( {$24000.00} ). I have sent the documentation to Ditech ( https : //www.ditech.com/ ) repeatedly. The insurance company provided checks to cover the completed work and has sent all required documentation at least 3 times. I have tried to supply all of the documentation requested by Ditech including contractor license numbers, XXXX forms and lien waivers ( some seemed to have been lost by Ditech and were never put in my Ditech file so they were sent two or three times ). They have told me that I have now submitted all required documentation but they do n't send the money. XXXX checks for materials were sent but they were made out to the wrong suppliers so they had to be returned. I have received multiple letters saying that my information is being sent to a bill collector. I have never been late on my mortgage in the XXXX years that I have owned the property. I am acting as my own XXXX because I was fully involved in the original construction of the house and there is not enough insurance money to hire a general contractor. With the intervention of the insurance adjuster, Ditech released {$10000.00} which does not even pay for the money that I had to borrow from family and friends to do the demolition and tree removal. My loan is a XXXX XXXX loan and as I understand the laws governing XXXX XXXX loans, this money needs to be in escrow and the interest earned sent to me at the completion of the claim. The mortgage is around {$140000.00} and the land alone excluding the house has a valuation of {$180000.00}. I have a XXXX XXXX loan and according to the following website, I believe that I an entitled to a disbursement of {$40000.00} plus the amount that I have already paid for the tree removal and the demolition. XXXX ). I am XXXX XXXX XXXX and have very limited income so that I am unable to get a loan to fix the property. I do not have money to hire a lawyer for litigation. Do you have any suggestions on how I can proceed if your office is not able to help me? I called the XXXX office and they offered no help except to tell me that I needed to deal directly with the mortgage company. When I said that I was talking to the mortgage without any effect, the XXXX representative hung up on me. I need help in getting money released so that I can repair my house.
12/19/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AL 354XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It Mat Concern, I have appealed a credit decision based on extenuating circumstances. I have made efforts to speak with a bankruptcy attorney which was not the best course of action for my family. I later made consultation with the XXXX XXXX XXXX of XXXX XXXX, XXXX ( XXXX ). I spoke with a counselor at XXXX on XX/XX/XXXX, who provided me information and guidance in making contact with Ditech with my permission. On that same day I informed Ditech that I will be represented by XXXX, which is a housing program. Both the counselor and I spoke with a supervisor who informed us to send written notification of what action I will be taking to settle this debt. I also informed Ditech that I was no longer living in the home because I was told by one of the representatives if I was not able to catch up my payments and surrendering the property was In my favor I had 30 days to vacate the premises. I initially put in a written correspondence on XX/XX/XXXX and faxed it to Ditech requesting a settlement offer to Ditech which is the borrower in question. In my settlement letter I agreed to allow a third party to enter into the home to appraise the home only with myself being present. XXXX XXXX XXXX entered into the property by breaking all secured locks and triggering off the alarm system. I later informed Ditech that my rights were violated and I will be pursuing legal representation. I have made attempts to personally contact Ditech in which my calls have not been answered. I have either been transferred to a voicemail or bounced around the system. I returned back to XXXX for further guidance. The counselor at XXXX and I have made several attempts to contact Ditech in which our calls were not taken. On XX/XX/XXXX, it was suggested by the counselor that I submit a letter requesting Ditech to respond to my initial letter. The letter was typed and faxed to Ditech. I have received a letter post marked XX/XX/XXXX informing me to give Ditech 30 days to respond to my written request. Ditech has not since contacted me in reference to the initial settle request. I have made efforts to contact Ditech to resolve this matter and still my calls are unanswered. I have a future appointment with XXXX. I can forward all correspondence that I have submitted to the borrower making attempts to clear all debts. However, I have made ongoing efforts to contact Ditech personally by phone or fax. I have been informed by XXXX to contact the consumer finance protection bureau ( CFPB ). I have not been able to make payments due to family hardship. Since my initial letter Ditech has been reporting to all credit bureaus. Follow the link belowhttps : //www.consumerfinance.gov/complaint/. My last option will be to surrender the property. Sincerely, XXXX XXXX
01/24/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 92557	Web
The past 4 years I have appealed and waited for XXXX and have been able to save my home. Following a Fully Favorable decision being deemed XXXX XXXX XXXX my check arrived late XX/XX/XXXX. I was attempting to reinstate my loan in full starting XX/XX/XXXXand was told they had to request a reinstatement total. I had not received the total and called repeatedly. I was told my request would be " escalated '' which would produce the total in 24 hours which I was promised for close to 1 month. I spoke with numerous representatives and supervisors minimally 3 times per week only to be told they were stumped as to why the RQ was not available. On XX/XX/XXXX. I received notice a NOTICE OF DEFAULT that had been filed with the County Clerk and XX/XX/XXXX received my reinstatement quote dated XX/XX/XXXX with an additional fee for the filing of the Notice Of Default. There was no question I would be paying all past due money and feel delaying me 30 days with lies was unnecessary. It is common knowledge what having a Notice of Default filed generates. People knocking on your door, mail with postcards claiming how to save your home, phone calls daily. It lasts for months and is humiliating. I do not feel it is fair if I was attempting to pay being held in limbo for a month to allow for these extra charges and the humiliation involved. I expressed my feelings to many representatives was told it would be best to pay the fees becoming current then contest the charges. I did just that and did not receive any response other than the acknowledgment of them receiving my grievance. My Reinstatement Quote was good through XX/XX/XXXX yet I learned after paying the XX/XX/XXXXpayment had not been included and needed to be paid immediately. In addition the following month within my payment was additional late fees and an escrow shortage ( a cushion ) which had raised my payment to {$1400.00}, an additional {$200.00} per month. I have attempted to resolve these issues yet have been told there is nothing that can be done. This resulted in an extra {$3500.00} total extra that I had n't planned for. A reinstatement quote should be just that, all missed payments, late fees, ect. My escrow is not going to fluctuate as I have new homeowners insurance and my taxes are not expected to change. A cushion of {$700.00} is excessive and not warranted. Please review my account and hopefully I can receive credit for fees paid and have my payment revert to the amount prior to the escrow cushion. I actively have an application for Tax Postponement being reviewed for XX/XX/XXXXand XX/XX/XXXX which I meet guidelines and am expected to have granted. I am currently being evaluated for a modification and hope my request for review will not affect the outcome as I should be able to have my account reviewed without fearing retaliation.
04/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	XXXXX	Web
Mortgage company agrees it violated a court order regarding the removal of a " phantom corporate advance account '' and sent the following correspondence. Mtg company has now refused me access to my account ( will not give me any information ) and has failed to remove the erroneous corporate advance from the account. The requisite time has passed and they still have not fixed the account even though they admitted wrongdoing. Please compel them to make this fix. AS OF XXXX XXXX, XXXX THIS MATTER IS STILL NOT RESOLVED!!! Here is their correspondence : Ditech said : Explanation of closure Ditech Financial LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX T XXXX F XXXX ditech.com XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Re : Consumer Financial Protection Bureau ( " CFPB '' ) Case No : XXXX Ditech Financial LLC f/k/a Green Tree Servicing LLC Account No : XXXX Dear XXXX XXXX : We are in receipt of your complaint filed with the CFPB regarding the servicing of your loan by Ditech Financial LLC ( " Ditech '' ). Ditech takes your complaint seriously and appreciates this opportunity to respond. Ditech 's records reflect that prior to XXXX XXXX your account was not escrowed. Your loan was approved for a Streamline Modification which required that an escrow account be placed on the account. Please see the enclosed Modification Approval Letter dated XXXX XXXX, XXXX. This modification was cancelled almost immediately pursuant to your request to have it cancelled. Please see the enclosed Modification Denial Letter dated XXXX XXXX, XXXX. At this point, Ditech should have cancelled the escrow as well. Due to an inadvertent error, the insurance escrow was not removed from the account until XXXX XXXX. Prior to the cancellation of the forced escrow, Ditech disbursed for taxes and insurance in XXXX and XXXX. This matter was addressed in a Motion to Compel filed in your XXXX XXXX bankruptcy on XXXX XXXX, XXXX. Please see the enclosed response to the Motion to Compel, filed by Ditech on XXXX XXXX, XXXX, and the Stipulated Order filed by the court on XXXX XXXX, XXXX. In paragraph XXXX of Ditech 's response, it explains that the escrow amounts had been credited to your account. According to the Stipulated Order, the matter had been resolved. Upon further investigation, Ditech has found that while Ditech credited the escrow account, the credit was insufficient to satisfy the full escrow deficiency leaving a balance of {$1800.00}. Ditech has waived the remaining deficiency and sincerely apologizes for any inconvenience that this situation may have created. Please allow one to two weeks for this transaction to be completed and your account credited. Please contact Ditech at XXXX with additional questions or concerns. Sincerely, XXXX XXXX XXXX XXXX cc : CFPB via portal
09/17/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 32223	Web
My mortgage was sold to Green Tree from XXXX. Around the same time, I fell into some hard times with a significant loss of income and increase of medical bills. I attempted to look for options with Green Tree and was told I only qualified for a stream line modification but was n't provide with any details. Only that I would need to make XXXX trial payments and after I paid the last XXXX, then I would find out the details of the modification. Once I received the modification, I realized it was n't in my favor to accept it. I spoke with the supervisor on my account that explained to me if I decline the modification, that it will take a few days to reallocate my trial payments to my mortgage since I was shown as being late and close to default. XXXX is the supervisor on my account. She informed me that I would be able to make payment arrangements to make up the difference and the amount would be spread over the next 3-4 months so everything will be caught up. She also mentioned which I was n't aware at the beginning that I had other options that I could have explored. The trial payments were for XXXX, XXXX, and XXXX. I have been dealing with XXXX my account XXXX XXXX XXXX and her supervisor XXXX since the first week of XXXX with no resolution. They consistently told me I owe over XXXX and need to pay the balance. I have no statements to show where the XXXX trial payments were reallocated to my balance nor where they came up with the balance. I have been treated like I 'm a dead beat loser that needs to pay the whole balance or go to foreclosure. XXXX has been rude towards me and have avoid my calls and even hangs up when I try calling her. I left numerous voice mails to both XXXX and XXXX with no return calls. The couple times I was able to actually speak to XXXX she would continue to say I 'm not discussing anything unless your ready to make a payment for the whole amount. I have been seeking support from my family and church and wanted to continue which was first discussed with XXXX as far as making payment arrangements to clear my past balance. I also would like to see in writing how everything was reallocated. My statement shows a balance over XXXX does n't reflect the amount of XXXX they told me to pay. I tried talking to someone else in customer service and their own department but everyone routes the calls back to them which leads me no where. No one will look into this matter for me. I am stuck dealing with XXXX individuals that are not willing to discuss or assist me in this matter. I have nothing written to show where the balance is coming from. I was not late for 3 months during my trial period but still show being late close to 180 days. I need someone to review my account and provide me in writing what my past balance is so I can make the proper arrangements to pay everything.
03/16/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94533	Web	Servicemember
I have already filed one complaint with you, you said you heard from the lender and it usually takes 60 days to get resolved so I waited and logged in approx. 40 days later to see status and you had closed account. you received misleading and wrong information from the lender as I keep doing now. the lender has caused a hardship in ruining my credit with wrongful reporting but caused a hardship to the buyers as well they aren't able to do any on their home because of this lien. it all started in XX/XX/XXXX shortly my husband had passed I tried to resume which I did on time payments for a long time but started struggle as loan fully indexed to principal and interest payments and the heloc also went up. I asked the lender multiple times both in writing and verbally to drop my impound account this would have made the pmt more manageable however they didn't so I was forced to sell the home. in XXXX I knew we were selling the home so I told Ditech to credit my impound account to the XXXX payment they did not in late sept. early XXXX they sent a pay off demand to escrow ( they had plenty of time to add the XXXX interest ) but for some reason they didn't. escrow paid them off short the XXXX payment I spent the next months when notified asking them to release the impound account they never did again in writing and verbally. I received threats and payment request in excess of XXXX they change weekly not knowing the amount to ever send in by the way the payment was only XXXX short. Once I notified you guys they did send me a letter and spoke with a supervisor who gave me a pay off until XX/XX/XXXX and told me to wait and send in after I send impound account letter to them via fax I did that they received but never sent me new letter. they sent you the same pay off but prior to the XX/XX/XXXX I received a letter certified dated XX/XX/XXXX asking for XXXX + again. now it appears they took my impound account paid the new buyer taxes for them last month go figure now they owe me my impound account back and I owe them nothing for this stress. please review and take time each letter received and see the contradictorily dates have them reconvey the mortgage at once like they should have in the beginning for the buyers have them do their due diligence which is correct and legal and please shut them down they are preying on the elderly and the misinformed. the 3rd attachment has multiple letters attached please read in its entire and see how they conflict on and contradict each other the last few are fax confirmations that they received the impound request and note they made acknowledgment to you that they acknowledged we asked them to credit the impounds to XXXX payment they even tell you they received directions and acknowledged that in the their repose complaint to you under file complaint attached.
04/06/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33460	Web
DiTech continues to make false statements concerning my account. First, they state that the escrow analysis done in XX/XX/XXXX, at the time of my modification, went up just after I finished making my 3 trial payments, when my taxes and insurance premiums actually went down at that time. Second, in XX/XX/XXXX, a complaint was filed and Ditech responded to stating that there was an escrow overage on my account and an overage check was sent to me. Since I never received a check, I filed an additional complaint to find out why they made a false statement. They then responded that they actually did n't send me a check. I still have not received the overage check. Third, DiTech continues to report me late with the credit bureaus when my account HAS NEVER BEEN PAID LATE. When I served my last complaint in XX/XX/XXXX, regarding why none of my account representatives return phone calls even though I left many dozens of messages and called on a daily, hourly basis to XXXX XXXX, x XXXX, XXXX XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, and XXXX x XXXX. With all of the calls placed to each of these representatives, none of them ever ONCE answered their line. Many of them would have a voicemail that was full and no message could be left. When I finally did speak to my account representative and others, they always promised a phone call back, never mentioning that there was a " cease communication '' on my account. When XXXX XXXX called me for the first time in XX/XX/XXXX ONLY in response to a CFPB complaint, she apologized and said she would get to the bottom of this and get back to me. I advised and she confirmed that the " cease calls '' was removed from my account. Just as I advised XXXX x XXXX to do MANY MONTHS EARLIER. I was only informed in XX/XX/XXXX that my request needed to be in writing, which I faxed within minutes of receiving this information. It seems as though DiTech is using this as just another excuse as to why my account has been mishandled from the beginning. Again, if they are using the " cease calls '' as an excuse not to call me back, why did I receive a call from XXXX XXXX or even XXXX who actually did call back on a couple of occasions to let me know he was still waiting for the research to come back on my account? This behavior is very suspicious. I also forgot to mention that I sent a fax directly to XXXX XXXX, the Paralegal responding to these complaints to discuss the misinformation that he continues to place in his responses. Of course, I did not receive a call back from him either. Again, due tot the fact that I was trying to work out what ever discrepancies may have existed on my account, and the fact that DiTech continues to report misinformation, they must cease from reporting my account late with the credit bureaus.
12/07/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 75052	Web
We have a second mortgage with GreenTree, now known as Ditech. We went though bankruptcy because of a failed business in XX/XX/XXXX / XX/XX/XXXX, and GreenTree provided us with a XXXX XXXX, to which we agreed. The XXXX XXXX changed the terms of the loan, providing a lesser payment. Similar to the payment we had been making through a modification agreement prior to bankruptcy. Once the bankruptcy was discharged in XX/XX/XXXX, GreenTree started calling the very day of discharge, and we continued making our payments. There was one month that GreenTree called seeking a payment earlier than we were going to make it, we agreed, and GreenTree accepted a telephone payment, and our bank electronically paid the account due to an oversight, and GreenTree refused to reimburse the second payment, although it was a detriment to our family at the time. Our credit reports show Ditech as showing us XXXX times past due, although we have continued making in excess of the payment required on the XXXX XXXX, bringing our scores down. We have send in evidence of payments to the credit reporting agencies, and still have no relief on XXXX and XXXX. Ditech is showing 30, 60, 120 days past due for months we continued making payments because they refuse to accept the lesser payment in the XXXX XXXX, and still show the payment on the original credit agreement. It is important to note, GreenTree drafted the XXXX XXXX, including all terms and conditions of the XXXX XXXX. We have complied. We repeatedly answered their calls seeking additional monies over and above the XXXX XXXX, and they refused to accept the new agreement, with the primary account person XXXX? saying the interest rate was variable to all sorts of excuses. We had at least XXXX calls with XXXX following our bankruptcy discharge, to no avail. We finally stopped answering the calls, which continued daily to both of our cell phones, work, and family members. We sent letters demanding the calls stop to our employment and family members, and to only communicate through written means. We continued getting calls, even to the work place at times. We have sought out legal counsel to review the XXXX XXXX, and confirmed it is a binding contract, and to confirm the XXXX XXXX was filed with the Bankruptcy Court, which it was. We have sought out help from the credit bureaus, and have not had success thus far. GreenTree / Ditech have tacked on {$1800.00} in fees and have refused to provide us with an audit or accounting since the bankruptcy discharge. An attorney will cost us $ XXXX+/hour to retain to go through the court system, with an estimate of {$4000.00} to {$10000.00} in fees to litigation this matter. We simply can not do that at this time. Any assistance your organization can lend to this situation, or guidance, would be most appreciated. XXXX XXXX
03/19/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	TX 77429	Web
RE : LETTER OF CANCELLATION OF DEBT To : Consumer Financial Protection Bureau My name is XXXX XXXX, Im filing this complaint against Ditech Financial LLC located at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX AZ, XXXX. My complaint is regarding not receiving a debt cancellation letter from the company because they foreclosed on my home and mailed me a 1098-A. In XX/XX/XXXX I requested a modification from XXXX XXXX XXXX ( See Attachment A ) these are the individuals I purchased my home from in XX/XX/XXXX. At the time of the request XXXX XXXX loans were serviced by Green Tree Services. I went through the XXXX Program ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX to get refinanced for a lower interest rate on my home. After submitting paperwork through XXXX and to Green Tree, Green Tree responded by saying We service your account on behalf of an investor XXXX XXXX XXXX or group of investors XXXX XXXX that has not given us contractual authority to modify you account under the HAMP ( See Attachment B ). I re-applied in XX/XX/XXXX for the HAMP program through a new servicer for XXXX XXXX which is Ditech Financial LLC, after completing the request to refinance through the HAMP program they responded by saying We service your loan on behalf of an investor group of investors that has not given us the contractual authority o modify your loan under the HAMP ( See Attachment C ). After being refused for refinancing for being in my home over 16 years, the home was foreclosed in XX/XX/XXXX ( See Attachment D ). In XX/XX/XXXX I received a collections letter from Ditech indicating that I stilled owed {$41000.00} on the foreclosed property ( See Attachment E ). I reached out to them via certified mail requesting information regarding the foreclosure ( Attachment F ). The responded by indicating they were looking into the matter ( Attachment H ). In XX/XX/XXXX I received a Form 1099-A for XX/XX/XXXX( Attachment G ). The 1099-A form indicates that its for Acquisition or Abandonment of Secured Property which is completely wrong. As I have indicated with proof I have tried to refinance through government programs to save my home. However, they were never accommodating to any request. The XXXX program indicated to me that since they wouldnt comply with government regulations that I couldnt use them for modifications or refinancing of my home. Im requesting a letter of cancellation of debt from Ditech since the company has submitted a 1098-A that has to be filed with my XX/XX/XXXX taxes. They refused to help me on several occasions, therefore anything outstanding per Ditetch, this debt should be cancelled ( Attachment E ). I look forward to hearing from you regarding soon this matter, you can contact me through mail at XXXX XXXX XXXX XXXX, TX XXXX or through email XXXX. Respectfully, XXXX XXXX
01/23/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 77070	Web
Our mortgage is serviced by Ditech ( ditech.com ). We carry a flood insurance policy on our home voluntarily. We are not required to carry flood insurance as part of our loan agreement. When FEMA issued us a new flood insurance statement this year, they also sent a copy to Ditech. We are listed as the payer if we choose to pay for flood insurance. Ditech took it upon themselves to add the optional flood insurance policy to our escrow account, making it no longer optional. I spoke to the flood insurance program on XX/XX/XXXX to ask if Ditech had the right to add the policy to my escrow and pay it automatically without my consent. I was told that Ditech is not listed as a payer on the policy and they only received a copy of the statement. I spoke to Ditech on XX/XX/XXXX to request them remove the flood insurance policy and under no circumstances pay it, that we are the payer of the policy and we would pay for it directly if we decided to renew. I was told by Ditech that I had to fax them a letter stating I wanted it removed, because it was the law that if they received a statement for insurance they had to pay it. I faxed them the requested letter on XX/XX/XXXX to the two fax numbers provided by Ditech. I followed up with Ditech on XX/XX/XXXXand was told they did receive the letter but it takes up to 10 days to process the request. The next day the wired a payment for the flood insurance in the amount of {$2200.00} making my escrow account go into the negative that amount. By this point I had already renewed my flood insurance policy for a lower amount. I contacted the flood insurance program again and was told that they would not issue the policy twice so any payment Ditech sent would not be accepted. I contacted Ditech back and told them that they sent that payment after I requested that they remove the account from my escrow, that they had no right to make the payment in first place, and they even sent the wrong amount. Their response was ... tough if the payment gets returned to them then they would credit my escrow account back. Status as of XX/XX/XXXX, my escrow account is still negative from the {$2200.00} wire and the flood insurance policy is still listed on my escrow, now updated to be paid again next year and again for the wrong amount. Our escrow is scheduled to be recalculated in XXXX and this issue is going to become a lot bigger if it is recalculated before our escrow account is credited back the {$2200.00} that should have never been sent out in the first place. By Ditech putting the flood insurance policy into our escrow and paying it without our consent, they are effectively making a voluntary insurance policy and non-voluntary insurance policy. Ditech has been no help, they just send you from on department to the next without changing anything.
01/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OH 43212	Web	Older American
I was robo signed into foreclosure by XXXX because of the robo foreclosure they aggreed to settle the account for no more than the balance before I missed a payment I attempted to get a loan modification over many months where I was told first I made to much money, then not enough to allow a modification. through out this ordeal my arears kept fluctuating, 1 month it was XXXX then the next month it was XXXX. I ask for an accounting and never received it My attorney filled for arbitration on the modification and we had a hearing with the arbitrator. One week before meeting with the arbitrator I was layed off so the bank told the arbitrator it was a mute point to continue, which I agreed to but made sure I ask for an accounting of arrears for the record and the banks counsel said we would have it in a week.4 years later I am still waiting on it. Soon after that XXXX went into bankrupcy and were aquired by Green Tree Capitol. Again I started the process of a loan modification and trying to get an accounting of the arrears For 6 months I supplied the information they requested in their time frame only to be told they need something different before they could approve it. Durring this time I had a date for sherifs sale of XXXX XXXX 2013 and dozens of letters from Greentree stating they would not pursue any foreclosure/sale action as long as there was an active modification in process. In XXXX and XXXX I called Greentree 2 to 3 times a week asking if they needed anything to process the modification and also talk to them about canceling the sherifs sale per their own written policy that it would not be pursued, and was always told do not worry about the sale it would be canceled I met with an attorney in early XXXX, showed him the letters stating Greentree would not purse action while in the modification and he told me that was their XXXX XXXX and they would proceed regardless of what the letters said going into XXXX weekly I submitted more paperwork followed by a phone call asking if they had everything and asked when they would cancel the sale, which they assureed me they would and had plenty of time and then they would send a letter asking for something different. This went on untill a week before the sale with my last conversation was they would cancel the sale. The week of the sale I called 5 to 10 times a day and no one would talk to me about my modification and when they would be canceling the sale. Finally at XXXX the afternoon before the XXXX sale someone picked up my call and told me they changed their mind the sale was going through and i should not have gotten behind I then called the Ohio XXXX office and someone reached out to them with no avail. The result of the sale was @ loan balance {$280000.00} sale price {$500000.00} and needing to move out at XXXX.
09/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MN 553XX	Web	Older American
We purchased our home from XXXX Mortgage Company around 1996. We have lived here ever since. My husband is retired on XXXX social security, and I am on social security too. We are XXXX in our XXXX. Our major source of income was lost almost three years ago. We have struggled to meet our financial obligations since then. We modified our loan with XXXX two to three years ago and after that, they sold us to Green Tree LLC. I started a low paying XXXX {$9.00} per hour XXXX XXXX job to try to stay afloat. With my husbands medical needs, car payment, and a second mortgage payment ( which we re-negotiated to a low monthly amount ), and living expenses, we kept falling behind. Green Tree LLC initially sounded sympathetic and sent us credit counseling and modification information-which we had already completed, but slowly began to contact us by phone over and over, demanding payment and asking if we had jewelry to sell, and asking why we were so " lazy '' not to get a better paying job, along with threats of foreclosure and sheriffs sale. These calls would start early in the morning and last until XXXX in the evening. When I told Green Tree LLC that we had listed our home for sale, and would pay them off when it sold, their response was insistent that we give the name of our Realtor so they could discuss a short sale with our Realtor, of which I refused to give the information. Our home is located on almost XXXX acres in the country, on a small lake. We have a pole barn and shop building, and a nice home/four bedrooms/two baths. As you can see by Exhibit # 1 XXXX Statement of XXXX XXXX XXXX our home has enough value to sell and make nice profit. As I understand it, the tax value placed on a home from XXXX XXXX is typically lower than what the home would sell for on the market. Unfortunately, the offers we got were not what we needed to pay off the existing debt. At this point, Green Tree LLC demanded we take whatever offer we could get, as they knew they would be repaid first. The staff I spoke with kept harassing me about being a dead-beat. I have never in all my life been a dead-beat. The intense mental pressure eventually led me to sell the home for a much lower price than we could have gotten, just to stop the calls and pressure. See Exhibit # 2 ( Purchase Price information ) When our buyer called Green Tree LLC to get the current payoff, the employee we spoke with was unable to tell us the balance due! Then, the employee spoke with our buyer about assuming our mortgage and assured him that he could do so through Green Tree LLC. Our buyer remarked that with his knowledge of Green Tree LLC, he would have no desire to be involved with this Company. He immediately sent the full payment overnight to Green Tree LLC, requesting a confirmation of payment, of which he never received.
05/19/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	IL 60628	Web	Older American
I am a senior that has come across a lot of fraud and it has left me in an horrible situation. After the passing of my husband, XXXX / XXXX / XXXX , I started to look for ways for ways to lower my mortgage. I was listening to the inspirational radio station and heard that the XXXX XXXX XXXX could help me lower my mortgage payments. The Law office of XXXX XXXX charged me {$3400.00} advised me to fall behind on my mortgage payments to get a principle reduction because my husband passed. I was denied assistance because my income was listed way too high on my forms that I never received a copy of. I then went to XXXX of XXXX and was assisted with correcting my income on an appeal that I won. Ditech offered me a HAMP modification and I took this agreement over the Hardest Hit Funds because of the lower interest rate they were offering i n the trial plan. When I revcieved my permanent modifcation documents, I saw the very unfair terms. They started my prinicple balance back to when I first purchased it and extended my loan out to 33 years when I originally only had 8 years left. I also have a {$41000.00} balloon payment. The modification documents did not provide a separate disclosure for the balloon payment, I did not even know it was there until a hous ing counselor told me about it for the complaint. The permanent documents did not require a notary and I put a (? ) after my signature because I was not sure what I was signing. I called Consumer Affairs as the paperwork stated and was referred to XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX IL XXXX . I told Consumer Affairs I was already working with XXXX XXXX but they insisted I use XXXX XXXX instead. I initially met with Pastor XXXX and he assured me that he can negotiate the terms of my modification and explained that I HAD to sign the permanent modification. I never heard from him again. I complained to the church and a XXXX XXXX explained that it was my responsibilty to make sur e Ditech had their authorization. I called Ditech and they did have the authorization to speak with them on file. I then never heard from XXXX XXXX again. I am senior that purchased my home with my husband for {$95000.00} in XXXX . I can not believe that Ditech has prosed this modification that will end with my family being in foreclosure. I have reached out for help numerous times, but have just been taken advantage of and provided with false information. Before I seeked help, I was never late with a payment for 23 years straight. I know that I refinanced with a predatory lender XXXX . I was then transferred from XXXX XXXX XXXX and now XXXX . I could not afford a lawyer to help me with these documents and I feel like I am losing my house with all my years of hardwork.
04/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48917	Web
No logical/reasonable reply from Ditech Financial in the last more than 20 weeks has forced me to approach you to get my grievance heard. The detail as follows - My mortgage loan was approved with XXXX XXXX and the first installment started from XXXX/XXXX/XXXX. Everything was going on smoothly till XXXX transferred my account to Ditech Financial in XX/XX/XXXX. In the letter regarding this transfer it was clearly mentioned that there will be no change in my Terms and Conditions with the change of Financial Institution. But, from the bill dated XXXX/XXXX/XXXX of Ditech, the payable Principal and Interest do not match. The same was reported to Ditech representative XXXX XXXX ( ID # XXXX ) on XXXX/XXXX/XXXX @ XXXX. She told me that the difference is there and she is referring my case to her manager and I will get a reply within 7 days. After getting no reply from Ditech, I filed my complaint online ( which is now removed by the Ditech from the website ). On XXXX/XXXX/XXXX, Ditech replied with some copies of reports explaining that principal and interest portion of the monthly payment is correct. In one of the report, they mentioned deduction under 'Prin Only ENC '. The same was the difference in the payable Principal and Interest amount every month. This amount was never deducted by XXXX ( previous loan provider ). I have prepared an excel sheet clearly showing the same. The same is attached for your perusal. Ditech breached the contract by charging this illegal amount every month. This illegal per month amount of around {$1.00} will become {$150.00} by the time I clear my loan. After that, every day I received one letter from Ditech informing me that 'Our research has not concluded. The purpose of this letter is to notify you of our ongoing investigation in an effort to provide you with a resolution '. On XXXX/XXXX/XXXX, XXXX XXXX, Ditech told me that she is not able to view those documents, so, I should call after 72 hours. On XXXX/XXXX/XXXX XXXX XXXX ( XXXX, FL ), Ditech told me that the dispute was closed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I filed my complaint again thru fax and received an acknowledgement dated XXXX/XXXX/XXXX mentioning that I will receive a written response with thirty ( 30 ) days. After getting no reply from Ditech, I sent a reminder message thru fax on XXXX/XXXX/XXXX and received an acknowledgement dated XXXX/XXXX/XXXX mentioning that I will receive a written response with thirty ( 30 ) days. Throughout this correspondence, Ditech never issued a complaint number which can be referred to in future correspondence. The deduction of any amount under 'Prin Only ENC ' is completely illegal. Ditech also failed to provide the full description of 'Prin Only ENC '. All the documents related to this complaint are attached.
07/10/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 172XX	Web
This complaint is for DITECH Financial LLC and XXXX XXXX - both equally responsible. Ditech was my servicer - they filed Bankrpt and mortgage assigned to XXXX XXXX XXXX ( XXXX ). Rec 'd letter XX/XX/XXXX from XXXX XXXX explaining all. With Ditech, I was on auto-pay ( $ XXXX/mth withdrawn on XXXX of month. ) I contacted Ditech - website shows auto-pay terminated XX/XX/XXXX - and I did internet chat with CS person who confirmed I. Letter from XXXX XXXX states " During a transfer of servicing, the bll pay service infor. w/your bank must be changed so that XXXX will receive your monthly payment. This change can only be made by you. The bill pay serv.WILL NOT make the adjustment if requested by us and they will not forward the payments '' There were 2 blank auto-pay forms included - I still have both - never auth. by mail. On XX/XX/XXXX get an email that they are ready to handle my account, can sign up for online serv. etc. At NO time did I sign any forms elect. or paper or any bank infrom. I did internet chat with CS person an they stated also that no auto-pay could be done w/out signature/bank inform. I sent in check for XX/XX/XXXX ( {$750.00} ) they received it on XXXX I then noticed that there was ANOTHER {$750.00} removed on XX/XX/XXXX - AUTO-PAY from LoanCare. I couldn't get into my account - nothing was set up at that time, so no access. It wasn't until I found these 2 payments XX/XX/XXXX? that I went into online and set up acct - to access my loan info - again I GAVE No permission or bank inform. I tried calling/emailing them - no response. I checked site and tried to cancel the auto pay but it wasn't completely set up so wouldn't let me. It said next pay due XX/XX/XXXX - showed I paid for XXXX and XXXX in XXXX so I let it go thinking issue is over. Today I was informed by bank that I am OD AGAIN - XXXX took out a 3rd payment XXXX claiming it's now for XXXX and I will owe again XXXX. I am now overdrawn a 2nd time, owe almost {$300.00} in OD fees to bank for the two episodes, my XXXX credit score is going to be trashed when they report this, I have to put all my regular bills on hold and pay them late - which costs late fees and potential rate hikes or put on high interest CCs to avoid late pays. I don't have savings or " extra cash '' laying around to cover this BS. What recourse do I have - I can't be the only one they have done this to - who else can I report it to? I have tried again to cancel the auto-pay, am betting it doesn't work and am betting they don't fix the account to show I've made 3 pay - which would mean no collecting until XXXX - and I'd bet the property it's going to take an act of XXXX to get the 3rd pay refunded and get payment for all the OD charges, late fees and interest that ' going to come out of this mess.
05/03/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	VA 23602	Web
XX/XX/XXXX, I called to Ditech and stated that my XXXX-year-old Son was killed after being struck head-on by an off-duty police officer who was driving recklessly on the wrong side of the highway. During that time, I was satisfying final expenses ; and requested a payment extension. The Ditech Rep stated that they would forward me the paperwork for the request. XX/XX/XXXX, I received a plethora robo phone calls from Ditech requesting payment for XX/XX/XXXX and XX/XX/XXXX payment, ; and with every single phone call, I had to agonize over the pain of explaining to them about the death of my Son. I asked them was it possible to log the information I provided them, in an effort to avoid constantly repeating, my XXXX year old Son was killed in a car XXXX and Ditech is working on extending the payments. However, to no avail, I had to continue to endure this suffering because no one bothered to take the proper steps necessary to accurately notate the account, and actually read it prior to calling me. XX/XX/XXXX, I accessed Ditechs online mortgage payment system to make two separate payments for {$690.00} each, for XXXX ; however, Ditech debited my account twice for {$2600.00} each time, for a total amount of {$5200.00}. I immediately called Ditech to make them aware of this error, and I was told by Ditechs representative that there was nothing that she could do about a Web payment glitch, and I would have to go to my financial institution and have them to perform a stop payment in order to reverse the charges and to get my money back. After the payments were returned to my account, I went to the USPS and purchase two money orders for {$700.00} each, for a total of {$1400.00}, with each {$700.00} money order labeled payment for XX/XX/XXXX and XX/XX/XXXX, respectively. Within the same month, I purchased another money order for {$700.00} for XX/XX/XXXX payment ; which clear all outstanding payments. XX/XX/XXXX thru XX/XX/XXXX, I have purchased money orders for {$700.00} which exceeds what is actually owed each month, and from XX/XX/XXXX to present I have continued to received harassing phone calls and letters of threat to take my home due to an unforeseen tragedy in my life, a glitch in Ditechs online mortgage system, and incompetent and insensitive Ditech employees. XXXX, XXXX, and XXXX were the only competent and compassionate employees out of the 50 or more of the Ditech employees that I spoke with that could identify the problem within their system, and could see that payments were being made. Further, I was told not to worry about it, the problem would be resolved, and the Ditech Rep apologized profusely on behalf of Ditech. Unfortunately, noting has changed. I continue to be harassed and threatened with letters of foreclosure for Ditechs mistake.
08/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 90063	Web
Our mortgage was obtained by Green Tree LLC in good standing. On my first bill they immediately asserted that a payment already made to, and processed by, the previous servicer was late. I called them as soon as I received the bill to complain of the error and was told by a representative " not to worry '' and that " it was simply working it 's way through the slow computer system '' and he 'd " look into it. '' I called my pervious servicer and they readily sent me full documentation as prof that the payment in question had been made in full and transferred to Green Tree. However I continued receive late notices for the " missing '' payment and was then sent a notice of default by Green Tree that encouraged me to refinance. I called again and was told that now only a portion of the payment was missing and that " maybe my pervious servicer has simply forgotten to charge me for that portion '' ( again, I have documentation that the payment was made in full, and transferred in completely good standing ). I then sent a formal letter explaining that they had sent a notice of default in error and laid out the history of the account and it 's payments. I additionally sent the documentation from the former servicer that the payment in question had been paid and transferred in full. I contacted the first representative I had spoken with weeks ago to and got an address to send the letter to as well as a fax number. I sent that letter and documentation in hard copy to each Green Tree office that had been in contact with me. I sent it over their website with their internal messaging service. I faxed that letter along with the documentation from the former servicer and a statement from my bank showing the full deduction to a fax number given to me by the phone representative. For days I have called, left messages, and even had XXXX customer service rep send my account manager an email on my behalf, I have yet to reach or hear back from my account manager to acknowledge my formal complaint. I initially contacted Green Tree to orally notify them of their billing error 4 weeks ago, I was advised to do nothing. In that time they did not cease to seek payment ( they escalated to default ) and they clearly did not look into the very simple and well-documented case. With further investigation I found that the actions taken by Green Tree in regards to providing me with information on how to file a complaint, and in misrepresenting the charges to my account seem to be a common problem. Their actions seem to also be in direct violation of the court mandate in the case brought against Green Tree this year ( 2015 ) by the FTC and the CFPB ( Thinking of section XXXX. XXXX ). Green Tree 's handling of my account thus far demonstrates a continued negligence ( at best ).
10/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90601	Web
In XXXX, my ex-wife and I finalized our divorce. In the divorce filing she fully relinquished all interest in our home to me. At the time our home was in the negative and had no equity. Our home had a 1st and 2nd mortgage with XXXX. Because of the divorce and reduced income I could not afford the payments and the home went into foreclosure. In XXXX, my ex-wife filed and received a chapter XXXX discharged bankruptcy which included her interest in the 1st and 2nd home loans. In XXXX XXXX, I received a " Cancellation of Debt '' IRS XXXX from the 2nd XXXX on the house, which was no longer from XXXX, but now held by " Greentree Servicing. '' The XXXX was for {$72000.00} I filed XXXX in my XXXX income taxes. I checked my credit reports and all XXXX bureaus reported that I was in arrears in the XXXX XXXX loan. I wrote XXXX letters to Greentree about the XXXX and the fact that it was being reported as being " late payments. '' Greentree wrote back to me and indicated they had no record for me having a loan with them even though, I had provided my SSN and account number. This scenario went on for many months. In XXXX, I reached an agreement and a loan modification on my 1st mortgage with XXXX and managed to keep my home. I currently reside in the same house. In XXXX, after I made several calls to Greentree, and after being told that they had no record of me, one of their representatives found my loan record. He advised that my loan could n't be found because it was a " Closed and Released '' file and that it was no longer considered collectable. I explained to the representative that there was negative reporting on my credit reports and an existing lien on file against my home by their firm. He promised me that it would be corrected. He said they would report that my account was closed and " charged off. '' He also told me that they would " XXXX '' the XXXX XXXX lien against the house since the debt was dismissed and I had already received an IRS XXXX in XXXX for the debt. As promised, Greentree did eventually stop the negative reporting on my credit reports. The existing problem and my complaint is that I checked with XXXX title companies and XXXX XXXX XXXX XXXX and Greentree has not removed the XXXX XXXX lien against my house and reconveyed the lien as promised. In the last month, I called Greentree in regards to this matter and they once again are telling me there is no record of me or the loan and therefore they can not reconvey the XXXX since they have no record of it and it basically does n't exist. I need your help in getting this XXXX XXXX lien removed/reconveyed against my house since that is what I was charged for in the XXXX - XXXX tax form and was promised by Greentree when they told me told the loan was " Closed and Released. ''
07/28/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30248	Web
I have an issue with DiTech Financial who holds the mortgage on my home. They have demanded reinstatement funds from me to postpone a foreclosure sale, which I provided and can document ( see attached ). However, they failed to apply these funds to the mortgage, they have kept my property listed as a foreclosure sale through public notices and they continue to categorize my mortgage status as delinquent. I dont know if this is due to incompetence or inefficiency or if DiTech is attempting to steal my home through their unethical business practices. Due to unforeseen circumstances my home went into delinquent status. Once I was made aware of the circumstances I reached out to DiTech to resolve this matter. I was told that the only option available to postpone the foreclosure was to fully reinstate the loan. I contacted legal representative XXXX, XXXX XXXX XXXX in order to determine the amount that needed to be paid to reinstate the loan and postpone the foreclosure sale. The SAME DAY I received the reinstatement figures I wired the money to them, and they acknowledged receipt of the funds and communicated with me that the foreclosure sale date had been cancelled. So one would think that everything was fixed and the situation handled. My home is still listed as being in foreclosure and as recently as 3 weeks ago a foreclosure sale notice was posted. My mortgage statement does not reflect the fact that I am paid up and current and instead continues to give the impression that I am in delinquent status. Despite repeated attempts to correct this issue and to obtain a proper accounting DiTech has rebuffed me at every turn. I need to get a full and correct accounting of payments received and applied, as well as the amount of late fees, legal fees, inspection fees and likely JUNK I have been charged. I have been an Attorney for the last 27 years and am able to make my current monthly mortgage payment without a problem. My issue relates to my wife, who has been having some mental health issues lately. She was in charge of paying the bills, and for some reason she neglected to make the monthly mortgage payment for several months. As soon as I became aware of this and the fact that we were in foreclosure status I IMMEDIATELY attempted to work things out and ended up reinstating the loan as directed by DiTechs law firm. Why has DiTech refused or ignored the fact that I reinstated my loan? Why is my property still listed as a foreclosure sale?? Why does my statement not reflect the amount I reinstated? Why is there a deferred balance listed on my mortgage statement? Why is DiTech treating my mortgage as though it is in delinquent status when I have reinstated the loan and made the monthly payments as agreed the last three months? I need some answers.
01/14/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	VA 23435	Web	Servicemember
I am in receipt of this correspondence from Ditech paralegal alleging that I still owe a balance .Number one its clear this paralegal is inept and does investigates matter thoroughly because my original complaint stated that although I closed on XXXX, I vacated the premises XXXX. I could have opted to not pay the XXXX mortgage and include it in closing, but I remained compliant in my routine of paying my bills in a timely manner. My lawyer will confirm that the payment to Ditech was received much sooner than they are alleging, and they have a signature confirmation to support that. However, Ditech refused to speak to my attorneys office when they called to confirm this information stating they are not authorized parties. Despite them being one of the attorneys who handled the closing. Additionally, when the firm attempted to conference call me in to authorize consent for Ditech to speak with them, Ditech refused and disconnected the call. Here you are Ditech. I XXXX XXXX give you permission to speak to the law office of XXXX XXXX at XXXX XXXX XXXX, XXXX, Virginia XXXX. His phone number is XXXX and his fax is XXXX. Lets compare confirmations to see whats really the truth. So, let me make sure I understand this correctly, on XXXX Ditech notifies XXXX XXXX and tells them that the loan I have is paid in full. I have that call on a saved recording, the party at XXXX XXXX confirmed that they would be sending me confirmation of payoff in 30- 45 days from XXXX. However, Ditech references the same date indicating their records show I am in a shortage and to remit the payment to them when the loan was transferred to XXXX XXXX. Now this correspondence state to remit the fictitious balance to XXXX XXXX who has already stated that there is no balance. So, because Im very familiar with the stall tactics that Ditech does and how basically the CFPB does nothing I have enlisted the help of every Senator, Governor, congressman, delegate, and news paper publishing from Florida to Virginia. I am not playing these games anymore with either Ditech or CFPB anymore. I am in the process of requesting my credit report, if AT ALL there is any type of issue with my credit as it relates to the fraudulent handling of my account with Ditech I PROMISE YOU I will take this company down and ruin every opportunity for any investor or share holder to hold faith in them. TRY ME!!! When they were green tree and doing fraudulent activity, they were fined and ordered to pay restitution and NOT ONCE paid one borrower that because they have been able to dodge paying their debts by filing bankruptcy repeatedly. Since XX/XX/XXXX, their practice has been reported by a multitude of consumers and yet they continue to fraudulent deceive consumers. Im not done with this mater at all
05/24/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	IL 60193	Web
I found a derogatory account from Ditech on my XXXX credit reports from XXXX, XXXX, and XXXX. The account does not belong to me and I have never had any accounts with Ditech. I called the company on multiple occasions during XXXX 2016 to asked about the reporting details of the account. I provided my full name, social security number, birth date, and current address to multiple representatives and supervisors. They all claimed that they could not provide me with details of the account if I could not provide them with the address of the derogatory entry. I replied that there was no address reported on the credit report entries. I informed them that I had provided enough identifying information for them to confirm my identity and tell me the current status, history and balance details of the alleged debt. They all still refused to give me details and it went so far as to have a representative, XXXX, on XXXX XXXX, 2016, tell me that it was against the law for her to give me details of the address and balance of the alleged mortgage account. I asked her to cite the specific law to which she was referring and she could not respond with the specific law. I then told her that I was disputing any ownership of the account per my rights to accurate credit reporting under the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ). She replied that FCRA required all disputes to be in 'writing. ' I replied that this was not accurate and that my verbal dispute with Ditech was sufficient. I asked her to cite the section of FCRA that required disputes in writing and again she could not do so. I then spoke with her supervisor, XXXX, and disputed ownership of the account and also indicated the contradictory reporting of the account between the different credit bureaus. She said that I would have to file an 'identity theft ' report with the police to have the account delete. I replied that I was not sure if identity theft had occurred, only that Ditech was erroneously reporting the account and that I was contesting its accuracy and asking o have it removed in accordance with FCRA and Ditech 's inability to verify it, along with their misreporting. The account shows a XXXX mortgage that was foreclosed on, but is currently in collection and has an outstanding balance of {$81000.00}. This is contradictory. How could a balance be outstanding and charged off on a property that was foreclosed on. This is allegedly a XXXX mortgage, so no balance would be outstanding post foreclosure. Nevertheless, she insisted I would have to file an identity theft report. I replied that I would not and that Ditech must removed this inaccurate entry or I would file suit in small claims court for violations of FCRA. XXXX replied that I would need to proceed along these lines.
07/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 973XX	Web	Older American
Green Tree. There horrible. XXXX told me, its your parents house, your parents are dead. Get out. Mind you the home is mine. The deed is mine. My parents took our the loan for me. I have paid the loan for 20 years. I was awarded XXXX from the State of Oregon 5 years ago to catch my mortgage up. Green Tree. Refused the XXXX. They took my payment every month. You know what kind of things they say. SO we filed a 5 year chapter XXXX. We are still in it. We have a balloon payment coming up. They will not work with us. We will eventually after all we 've been through, lose our home My husband become XXXX 1 year and 3 months after we took out the loan. My daughter became XXXX to and we XXXX! Our life was made even more difficult because of the hateful and vindictive attitude of the employees there and the illegal and underhanded ethics of GT. We are now with Ditech. I cant wait .... Did I mention when I was late once, they said, you should n't have taken your dog to the vet. You should have let her die and buried it in the back yard. Who talks like that? And the insurance they force you to get. That dos'nt pay what they should if you have a claim. To many bad, horrible memories. And my Fathers XXXX XXXX. They would call him every morning at XXXX and kept it up for months. It took months and a lot, lot, lot of calls to get them to call me instead. Persistant, nagging, rude, I had XXXX, Their call have ruined my grand childrens childhood because of the financial XXXX they caused our family. And never would they give us a modification. I tried over and over and could not get one. They took my money but said, not your loan. They even gave me an extension on my parents loans after my folks passed. I was good enough for an extension AFTER I paid them a ton of money. Food money that I could n't spare. then I got the extension but they would not give us a modifation or except the XXXX dollars from the State of Oregon and refuse to ignore our plight with the XXXX balloon payment due 2 years after our bankruptcy. I will get no modification from them. I wonder if they get paid to reposess homes. Why else would they do this. I will not get a chance to keep the loan. I am doomed to move or perhaps become homeless. I am XXXX and I am tired ... Also, I sent them two XXXX dollar XXXX XXXX payments that they said they received. Both of them. And later said I only sent one. XXXX they would find it. Not to worry. I sent them both in. They said they did n't get the receipts or the second payment. It was all recorded on the phone. Put me further behind again. Also they accept the payments from me for the chapter XXXX but still will not give me a modification. I can not refi because it is a manufactured home. at a loss as what to do to stay in our home.
03/03/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 42303	Web
I opened my mortgage loan with Greentree Financial in XX/XX/XXXX for a total of {$30000.00}. My interest rate was 12 %. The loan passed to the hands of XXXX, back to Greentree, then finally to Ditech. During the duration of my home loan, I did have financial issues resulting in placing several payments on the back of the loan, which I made interest payments on those payments at the time. I was forced to file Chapter XXXX in the late XX/XX/XXXX 's, which was discharged in XX/XX/XXXX, I believe. There were extra costs incurred by Greentree at this time regarding the bankruptcy. It was explained to me at the time that those costs were listed as Corporate advance on my statement. Which until a few months ago was in the amount of {$2900.00}. In XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this amount decreased each month to currently {$2200.00}, I do not know why. I had contacted customer service several months ago to inquire about why my payments were still going mostly to the interest and not the principal. I never received an answer, when I asked what would happen when I made the last payment in XX/XX/XXXX of this year, I was told I would just keep paying. I then contacted an attorney to help this situation. After giving him my loan papers and the ammoritization of payments he instructed me to request binding arbitration, which I did in XX/XX/XXXX. This did nothing, except add {$700.00} to my XX/XX/XXXX payment. Ditech found fees from XX/XX/XXXX that had not been applied to my account. The customer service rep could not tell me what the fees are for. The only paperwork they have sent to my attorney was an ammoritization of payments, which he says does nothing to explain why I still owe 80 % of the loan amount 20 years later. I made the last contracted payment this past month, Ditech has reported to the credit bureaus that I am delinquent on my account. My attorney contacted me last week stating Ditech had sent him a letter informing him they were going to start foreclosure proceedings against me. I am not going to sign any paperwork to continue making payments on an amount I do not believe I owe. I did inform Ditech I would still be making payments equal to the house payment, towards the Corporate Advance amount. I believe I do probably owe extra regarding interest accrued for late payments, but I do not believe that amount to be {$21000.00}. I am at my wits end regarding this issue. When speaking to customer service I have asked for a supervisor, or a higher person to discuss this with, being told they would call me back. Those calls were never received. The only explanation I have received is it is late fees, the paperwork sent does not explain how Ditech has accrued this amount. Any help or information is greatly appreciated.
04/18/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08234	Web
In response to Ditech 's letter, I have included the FTC Identity Theft Report and the Police Report in order for them to investigate further as they stated. As you can see, Ditech 's Mortgage Statement and Ditech 's Insurance Policy names me as the borrower and Ditech as the Lien Holder. Ditech has created a fraudulent account using my personal identification to unjustly enrich themselves. By creating a fraudulent account with my name and without my authorization, Ditech is in violation of the False Claims Act and a conspirator to defraud the U.S. Government. Because discharges of debts and new mortgages are not publicly recorded, these are excellent opportunities for Banks, Lenders, Mortgage Servicers, Foreclosure Law Firms and Title Companies to create fraudulent documents when needed to defraud the U.S. Government, Insurance Companies, Investors, Homeowners and the U.S. Tax Payers. A perfect example of this is that my property was previously and currently listed on XXXX for sale by XXXX XXXX XXXX. In XXXX XXXX loan purchasing sale contract in Addendum A it states : ( 5 ) No Recording. Buyer agrees that neither this Contract nor any notice or memorandum hereof shall be recorded in the Public Records of County or State where the Property is located or any other public records. Buyer shall constitute a material breach by Buyer of this Contract and shall entitle Seller to invoke the defualt provisions hereof. XXXX has stated that they received their loan file from Ditech. Both XXXX and Ditech have been receiving HUD disbursements in violation of the False Claims Act. In reference to my loan and subsequent foreclosure and eviction, Ditech and XXXX have violated the False Claims Act, SEC Laws, the FTC, the Fair Debt Collections Practice Act, the Fair Foreclosure Act, the Dodd Frank Act, the National Mortgage Settlement, committed perjury on the Courts and Bankrutpcy Fraud. Submitting fraudulent documents and omitting documents to the court to obtain a judgment in your favor, makes the basis for any case, weather ultimately favorable or not, fraud and the case itself and the documents contain therein still fraudulent. I am XXXX XXXX due to an accident and suffer from XXXX XXXX as a result of my injuries. This disturbing process of foreclosure and eviction has exasperated my already painful and XXXX medical conditions and caused new ones to develop. My husband has XXXX XXXX XXXX and also suffers from XXXX XXXX, and is seeing a XXXX for XXXX due to these false claims, the foreclosure, and the imminent eviction from our home. The results stemming from the fraud that has been committed against our family including our XXXX children, have been devastating, both in mind and body and caused tremendous emotional distress.
02/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29640	Web
After a year of having my mortgage with Ditech, it was sold to another service provider for a period of only two months and then Ditech bought the mortgage back in XXXX of XXXX. My first payment due date was XXXX XXXX, XXXX. I mailed my payment on XXXX/XXXX/XXXX and Ditech received the payment and the check cleared my bank on XXXX/XXXX/XXXX. The last week of XXXX I received a call stating that my payment was late. After speaking to a representative ( XXXX in XXXX XXXX ), she noted that Ditech did in fact receive the payment, but it was not applied to my account for an unknown reason. She then advised me that when my XXXX statement arrived showing the past due amount, that I should only pay one payment and that she would insure that my XXXX payment was credited to my account. On XXXX XXXX, I received a voicemail from XXXX again, stating that the XXXX payment was indeed past due and I should contact Ditech. When I called ( speaking to another representative ), I was told that the check that cleared my bank on XXXX/XXXX/XXXX had been refunded to me on XXXX/XXXX/XXXX. When I asked why, I was told she was n't sure. As of the date of this letter XXXX/XXXX/XXXX, I have not received any check. To make matters worse, I was told that in order to keep my account in good standing, I was to make the XXXX payment again or risk becoming delinquent. I did so by phone and have a confirmation number for that payment. Against my better judgement, I did this to protect my wife 's and my good credit. My XXXX payment was due on XXXX/XXXX/XXXX and again, against my better judgement, I mailed this payment by check on XXXX/XXXX/XXXX, in fear that the payment from XXXX/XXXX/XXXX would not be credited to my account. As I business owner, I understand that accounting errors can occur, but every time I have contacted this company, I have not received a straight answer where my first XXXX payment is. The answers have been from 4 different representatives : 1 ) It will be credited to your account, 2 ) It was refunded by check on XXXX XXXX, 3 ) It was electronically transferred back to your account, 4 ) We do n't see a payment from you on XXXX/XXXX/XXXX. None of these items have occurred. I have copies of the cancelled check and it was deposited into Ditech 's account. Today, I went to my mortgage loan originator for his help. We jointly spent one hour on the phone with 4 different Ditech representatives and got different answers from each one. No solution was presented by any representative. We were sent to a voicemail of the 3rd supervisor of the day and never received a call back. This company has violated the terms of the mortgage agreement, while I have complied. This entire issue is an internal Ditech issue, but has quickly become my issue.
02/05/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78664	Web
This is a new complaint against Ditech Financial LLC, formerly Green Tree Servicing. Ditech is now harassing me by misappropriating funds and facilitating economic hardships. This complaint is about Ditech misappropriating an extorted payment under an illegal threat of foreclosure and asking for part of the same payment again once I paid it ; and Ditech reclassifying funds when only the borrower has that right to determine the classification of funds. 1. On XXXX XXXX, XXXX, Ditech billed my {$3900.00}. On XXXX XXXX, XXXX I paid the total amount due. The statement Ditech dated XXXX/XXXX/XXXX ( received XXXX/XXXX/XXXX ) shows Ditech posted the total amount due on XXXX/XXXX/XXXX. The XXXX/XXXX/XXXX dated invoice shows Ditech misappropriated {$540.00} to funds in suspense. Then, Ditech fraudulently misrepresented that I had an outstanding balance of {$540.00} and asked me for the same {$540.00} that it misappropriated to funds in suspense with no authority to do so. This also had the effect deceptively changing the terms of my mortgage payment from {$1100.00} to {$1600.00} per month. Ditech did not have authority to place the {$540.00} in funds in suspense. {$540.00} was for late fees that Ditech is claiming from XXXX before Ditech took over the note. My note/security instrument deed of trust does not allow late fees to be held in funds in suspense. Ditech can only put partial payments of mortgage principal and interest in funds in suspense. There was no partial payment carried forward from the XXXX/XXXX/XXXX statement, but for Ditech 's misappropriating funds and fraudulent misrepresentation on the XXXX/XXXX/XXXX dated statement. I paid the total balance to cure the alleged default. It was fraudulent for Ditech to bill me a total amount due and then misappropriate the money to funds in suspense and ask me for the same amount of money. Additionally, the note only gives the borrower the right to designate how funds are classified, not the lender. 2. Ditech also misappropriated {$72.00} from funds in suspense to the escrow account to harass me. Under my note/deed of trust, funds in suspense can only be use used for mortgage principal and interest, not the escrow account. My note allows Ditech to refund money. I have asked for Ditech to refund the {$72.00}. The statement dated XXXX/XXXX/XXXX shows Ditech applied the {$72.00} to the escrow account. The regular escrow payment is {$400.00} plus the {$72.00} equals {$470.00} escrow total. Ditech has since taking over the note provided interim statements. However, Ditech did not provide a statement for XXXX/XXXX/XXXX, which showed the escrow balance is a positive {$790.00}, and not ( {$460.00} ). Thus, returning the {$72.00} will not create an escrow shortfall.
06/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92336	Web	Older American
In XX/XX/XXXX I had work done to my home through the XXXX. Instead of cash out of pocket, the work was paid via my property taxes. Due to the timing of the completion of work and when my taxes would be paid, my Escrow analysis would not reflect the shortage until it was completed XX/XX/XXXX. I put money aside and paid the shortage and told them about the ongoing payment method and they said they would do an analysis. When I got the new statement for the following month, I adjusted my auto debit accordingly. When I got all future statements, I simply filed them without reviewing them as the correct amount was being deducted from my bank account. It was not until the last week in XXXX, XXXX while discussing a pending refi ( with XXXX XXXX ) of my home that it was identified that my current Mortgager, Ditech had completed that Escrow analysis incorrectly and I apparently had another shortage going on of {$95.00} for the past 11 months. I immediately called Ditech and their customer service person was XXXX. All she would say is that she would order a new Escrow analysis. I asked for a point of contact, but was told that, that department ONLY communicated either via FAX or postal mail ... not via telephone or email ... in this age of technology??? I asked what I should do if I had any questions after this new analysis was completed and was told to call customer service ... Now, please explain the logic in that. She did not know how to help me other than to order a new analysis ( although she initially said to wait for my next analysis until I pushed the issue ) so I should call her back if I have questions about work completed in a department that is not accessible by Ditech 's customers??? Anyway, it has been longer than the amount of time she said it would take them to do this and I have yet to hear back from them. I did send a letter on XXXX/XXXX/XXXX to their corporate headquarters. The only result I received was a phone call from them saying, " I was told to call you because you have questions regarding a refi? '' I did n't put two and two together until after I told him I was in the process of doing my refi with another company because when I called them last month to see about it, the person I spoke to was very abrupt and unprofessional. I have NEVER been late or missed a payment in the 22 years I have lived in this house. I trusted that they were the specialists and that when they notified me of the increase in my monthly payment, it was all encompassing the new tax bill amount. I was extremely unhappy to have been treated the way I was and now I have to come up with nearly {$1200.00} because of their error. This is just not right!!! Sorry for this statement, but it seems the inmates are running the asylum.
10/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08234	Web
Our mortgage was suddenly sold from XXXX to Greentree mortgage services XX/XX/2013. We were n't notified of this or any changes until after the barraging phone calls started when we were 1 week late on our mortgage payment. I had just been put out on XXXX from a XXXX, and was formerly the main wage earner for our family. My husband had just started a new lower paying job after not working in this bad economy for over 2 years. His pay was sustaining utilities and food only. I was involved in a workplace lawsuit, and was having a hard time getting any benefits or payments established. I communicated this to Greentrees representatives who were very angry and harassing. We were receiving phone calls up to ten times a day, with threats of jail, them sending the sheriff to just take our home, they threatened to attach wages and take money from our bank account. Their representatives were even bold enough to speak to, threaten and scare our children. They spoke with threats of taking everything we own away. It got so bad at one point a lady told me that they did not have to go through the legal processes, and did not have to notify us, that we 'd just be thrown on the street and homeless! My children are very scared, and now have severe panic attacks. At one point after a phone call from a nasty representative, I was rushed to XXXX and treated for XXXX ... ( XXXX ) I was advised by my doctor to send a cease and desist letter to stop them from calling. I sent one certified letter but still continued to call and question the ability to correct and mitigate my mortgage situation. I was told each and every time that my excuses were unacceptable, and we could n't be helped. We at one point received a mitigation relief package from them, filled it out, then months later received a letter stating that we were delinquent on making payment to mitigate our situation, and therefore unable to receive help, when we were never notified of any mitigation? I kept in contact, despite their threats. I received pre foreclosure letters, but never anything on how we could be helped. We considered bankruptcy, but were told for chapter XXXX, I needed to have a job. I went through several rigorous appeals with unemployment. I now recently picked up a part time job, and tried to notify Greentree again, and received a letter from DiTech. It 's not clear if they are our new mortgage service. They are asking me to honor our obligation, but now I found out that Greentree just settled a lawsuit for exactly the same issues and harrasments my family endured. I need your help to be included in that lawsuit. I 'm formally documenting our harassment by Greentree in this complaint, and would like to make sure we have no further problems with Greentree
06/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19138	Web
XXXX/XXXX/XXXX Reference Ditech # XXXX Old account # XXXX A notification was sent to me on around XX/XX/XXXX. explaining that my escrow account was under funded by {$460.00} and that the shortage would be collected over twelve months if I did not make payment prior to the 30 days of the time the notice was sent out. I made the payment within the timeline requested, But Ditch continues to charge and collect that fee divided by twelve months of {$38.00} I disagree with calculations about my escrow account being underfunded. Because I was issued a check last year because it was over funded. On or around XXXX XXXX I wrote requesting an explanation of why my mortgage payment was increased. I have a fix rate mortgage and the cost of my homeowners insurance and real estate tax bill have not increased. Ditech sent a follow up letter on XXXX XXXX. XXXX stating that my inquiries are being reviewed and a written response would follow in 30days. A second letter was sent on XXXX XXXX XXXX stating that there is an ongoing investigation in an effort to resolve the issue of overpayment of mortgage fees and in accurate escrow calculations. A third letter was sent on XXXX XXXX, XXXX explaining my right to cancel PMI. This letter and information does not apply to me. I met the requirements to have my PMI canceled in XXXX at which time it was cancelled. So my mortgage does not include a ( PMI ). I am not sure if this letter is an effort to justify why my mortgage payment was increased. Addditonaaly, My billing statement for the month of XXXX XXXX included a fee of {$4.00} that is unexplained. I have made numerous attempts to inquire about the over charges that have continued since XXXX XXXX with customer service via phone at Ditech. Each time they refuse to give me any information about my account. I was informed that the account has a notation that customer service is not to talk to me. I make a payment of {$800.00} dollars monthly for my mortgage payment that was {$700.00} prior to Ditech adding additional fees to my mortgage making it now be XXXX. The additional funds from the {$800.00} was to be applied to my principle {$97.00}. The overage in fees changes and interferes with pay down of my mortgage because the correct amount is not being credited to the principle. Thirty days has passed and Ditech not offered any resolution to my complaint. And again I can not get anyone to discuss the matter over the phone. I want all the extra monies that was not appropriated correctly to the principle of mortgage to be credited to accurately. I want the {$4.00} charge that is not explained to be credited to m principle. I want the extra fees that are being collected for escrow account to be excluded from my mortgage payment.
02/21/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CO XXXXX	Web
I have owned my home since XXXX but am danger of losing the home to foreclosure because the agents at DiTech will not allow me the opportunity to be considered for government programs for FHA loans. I refinanced into an FHA adjustable rate loan in XXXX through XXXX XXXX and this lowered my monthly payment. My loan has been transferred a couple of times and it is now held by DiTech. Last year I was XXXX and had significant medical bills that wiped out all of my reserves and put me in a tough situation. To make matters worse, my roommate lost her job and was not able to help out with her portion of the bills. I fell behind on the mortgage payment and reached out to DiTech to see if they had any programs to assist me. They told me they could offer a repayment plan, but when I received the paperwork I realized that this plan raised my payment over {$300.00} a month. This was not something I could afford.. When I inquired about modification, I was told that I needed to refinance my loan. This did not make any sense because I was already behind on my mortgage and I knew that was not allowed. I then attempted to get a review initiated for a modification but the DiTech agents stated that my rate is already low so I ca n't be considered for any other options and that now they were going to foreclose on my home. This is an FHA loan and I know that there are several programs available for struggling homeowners, such as modification, forbearance agreement or partial claim. I am certain that I fit the criteria for some or all of these programs and I am extremely upset that DiTech seems to think they make the rules instead of following federal guidelines. I was recently diagnosed with XXXX and was overwhelmed with significant medical bills that put me into an unfavorable financial position. In that same time frame my roommate lost her job and has not been able to pay her rent. These factors led me to fall behind. I am able to afford a fair and reasonable mortgage payment but need DiTech to consider me for ALL available programs, not just a repayment plan that increases my monthly obligation. I have a good job ( have been there 25 years ) and if given the chance I will make all payments as agreed. DiTech just has to understand the situation. I have even attempted to resume making mortgage payments but DiTech has refused to accept these payments, telling me the only option is to repay the entire amount due in one large sum. I am concerned that DiTech is not allowing me access to all government programs because they know the loan is insured by the government and they just want to cash in. I want the opportunity to fix it, and wish to file a formal complaint against DiTech in order to get them to play fair.
05/17/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75071	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX , TX XXXX Ditech Mortgage Account # XXXX Dispute I am having problems of mismanagement, fraud, and harassment from Ditech Financial LLC in regard to Mortgage Account # XXXX . We used to have our mortgage wit h Ditech Financial, and in XXXX XXXX , we refinanced our mortgage from Ditech to another lender ( initially XXXX XXXX XXXX , which then transferred it to XXXX XXXX ). At the time, we were provided a payoff, which was fully paid, and the refinancing was completed. Soon after that, in XXXX XXXX , Ditech contacted us saying they had done an error in their calculation of the payoff. They had applied {$1800.00} as part of a Federal program to my account in error and they needed me to pay this amount back. I agreed to pay this and close the account. Howeve r, Ditech de cided to keep my mortgage ( with a principal balance that sometimes states {$0.00}, and others {$1400.00} ), as well as the related escrow account, open so now it seems I have XXXX mortgages on my house. Also, Ditech started to pay through the escrow for Hazard insurance on my house, and county tax es, which were at the same time being paid by my current mortgage company, XXXX XXXX . And now Ditech wants me to pay them more than {$10000.00} to cover the payments that they made in error. So, they started with a small error of {$1800.00}, and continued to do more errors to more than {$10000.00}. They are demanding I pay these amounts, harassing me on the phone to pay them, lowering my credit score a nd making it more difficult for me to get a car loan. I made several payments to cover the initial {$1800.00} I agreed to pay, b ut Ditech, for some reason, keeps my payments in suspense and doesnt apply them to my account. I am attaching several statements from Ditech, and from my current mortgage company, XXXX , providing more information. I have communicated on the phone several times with Ditech customer service. I was given different and contradictory information on many occasions. I was also told that they will investigate my account and solve the problem, but never got back to me. The latest example of this irresponsible behavior was my phone conversation in XXXX with the Ditech supervisor XXXX XXXX ( Extension # XXXX ). He noticed the irregularities in the Ditech handling of my account, and he promised he will investigate this and call me back. We even scheduled a time when he was going to call me and clarify things but he never called again. I dont know what to do about this. I am pleading for your agency to help me with this case of I believe is mismanagement, fraud and harassment. XXXX , XXXX XXXX
06/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 173XX	Web
Hello and THANK YOU for being a viable avenue complaints to financial institutions, I hope you can bring my particular issue to a person that can rectify it. 38 months. 38 months is how long I 've been trying to rebuild my home after a fire. Last month I have been issued an occupancy permit, so I 've moved back in with what little furniture I have left. My issue is with Ditech ( formerly Greentree ) Mortgage and the fact that they are currently holding on to about {$7000.00} in funds waiting for me to complete the home before they release them. {$2100.00} was the last check sent issued XXXX XXXX, and have been assured by my account manager XXXX, that this money will be sent for the XXXX for the portion of the project which he has completed. The only thing required is that the insurance company send something stating what the funds are for. I have no problem with this other than it took XXXX phone calls, several emails and calls left with XXXX direct report before I even got a response, then about 12 days after that, I get a call saying she needed the email from the insurance company. I 'm relaying this because this is a perfect example of what I 've been dealing with for ... ... .38 MONTHS. Now, after the {$2100.00} due to be released shortly there are XXXX aspects of the project that Ditech is holding on to ( for 4 months now ). I have sent in check from the insurance company for approximately {$5000.00} to finish the basement and to put on a rear deck to the home. I 'd need them to release this money. I 've made my mortgage payment for 38 MONTHS, put in excess of XXXX of my own money and easily XXXX hours of my own time into this project. This has run at a snails pace most of it due to the fact that I have to complete projects with my money and then submit for a reimbursement. I am working 60 plus hours in my regular job ( XXXX ) then trying to finish the last bit of this home and it ridiculously frustrating when I think about the money just sitting there waiting to be used, yet not released because they do n't trust me to use it for it 's proper intent. The tax assessment office has been by twice to reassess the property, yet can not due to the fact that I 'm going week to week finishing what I can with the funds I can direct to this project. Release the rest of these funds so I can complete this project. I 'm not interested in what your " procedure '' calls for. I fully understand the reasons behind it with rampant insurance fraud but this is not me. I 'm not leaving my XXXX home to run off with XXXX ... ..K? Please call or email me with notice on when this can be accomplished. Again, THANK YOU CFPB for this avenue and I 'll enter specifics later in this complaint. Regards, XXXX XXXX
03/14/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA 99336	Web
Loan Servicer ( Green Tree, Ditech ) ruining my credit, deformation of character, false statements, lack of ability to provide documents, lack of proof of payments made, and poor and rude customer service. Original Loan Number XXXX Loan Type 2yr Interest Only Adjustable Rate LIBOR mortgage Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Hi XXXX The current mortgage note servicer is servicing a loan for XXXX or XXXX XXXX XXXX. The servicer was originally XXXX then XXXX and now Green Tree Aka DiTech. The " NOTE '' or ARM they claim to be collecting on was never signed by me and is not filed along with the other note and documents in the bureau of convenience in the State of Hawaii. It says I signed it the same day of my Securities Instrument which was said to be signed on XX/XX/XXXX. I signed all my documents on XX/XX/XXXX in front of a notary. It is very suspicious that the note that they claim is reason for them collection has no date next to my signature and is missing some of the J and the K is signed not like mine as it never touched mine touches 99 % of the time in the middle. Further this is now said to be held in Asset Back Securities which XXXX just got sued over by XXXX ( cert holder for my note ). Read here XXXX. Further XXXX is said to be the mortgagee of the note and only legal title to property. The sent me a truth in lending document signed by me supposedly showing a loan amount borrowed of XXXX and my mortgage document says XXXX which again is odd and shows poor truth in lending. To add to it the Notary and Loan officer at XXXX in XXXX XXXX Hawaii where or are husband and wife and there is allegations of him using her notary to falsify documents.These documents Ditech is claiming to have that allow them to collect or try to collect this debt are fraudulent, represent nothing, and hold no value to their claim to collect a debt. They have no idea even who the mortgagee is, the ability to provide proof if paid in full of turning ownership over, no grounds for collecting this debt, failure to diligently provide and prove that this is in fact a valid debt. I have tried time and time again to iterate this to them and it has failed. I am settling this matter with XXXX regarding the loan this Weds. XXXX/XXXX/XXXX and it has been once dismissed without prejudice in Hawaii District Court and has been further quitclaim by the condo association. Until these numb nut DiTech collecting company can provide adequate verification of debt, writing from mortgagee ( signed stamped notarized ) that in fact if I pay this debt off I have sole ownership and no futher legal issues. Proper documentation of servicer company, mortgagee note holder, and the bank that is certifying the asset backed notes.
09/09/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA XXXXX	Web
My husband and I own a condominium, which is a rental ( it is currently rented ). The XXXX mortgage is owned by Ditech. A little history : When I purchased the condo in 2002 ( before husband and I were married ), I financed it through Ditech, before they were taken over by Greentree. They were incredibly efficient, and I never had an issue with them. Fast forward a few years, they were taken over by Greentree, and THEN the problems started. I have paid our mortgages ( for our rental, and our own house ) every two weeks, on the days we get paid, for years. I send a 1/2 payment, which helps our finances run smoothly, AND I send a little extra, so the full payment is always a little extra. Well, when Greentree took over the old Ditech, I started receiving these snarky notices in the mail stating my account was past due, and my statements reflected I was over 30 days behind. I thought, good grief! Has my trusted credit union wronged me? I double checked my payment history on my credit union 's website ( I pay everything online ). All payments were sent, exactly when I scheduled them, AND the money was deducted from my account. I contacted Ditech and asked what the heck was going on with my account. They explained, that since I paid my bill in partial payments, the incomplete payments were placed in an " unapplied funds '' purgatory. What they failed to do, was post these unapplied funds to my account in a timely fashion, so I wound up in the hell- fire land of late fees and phone calls demanding payment. I thought this situation was pure comedy. Was this happening??? Here we were, being super responsible, paying bills on the dot every two weeks, PAYING EXTRA, but they STILL put my account in the bad place. They claimed there computer system " could not process partial payments ... '' They literally said this. I freaked out. I did battle on the phone about once per month, to get them to APPLY my payments to my account. Fast forward again, Greentree was taken over by the second iteration of Ditech, and now this happening all over again. My mortgage is XXXX per month. I send {$400.00}, religiously, every other Friday. I checked their website, which clearly shows my excellent payment history, but when I clicked on the " details '' button for each payment, several of the payments showed in " Unapplied Funds '' meaning, they have literally NOT applied SEVERAL payments to my mortgage account, going back to XX/XX/XXXX!!! What?!?!?! And I am receiving these snarky notices again, that my account is past due. This whole thing is soooooo beyond frustrating. I hope you can help. The property address this complaint is related to is : XXXX XXXX XXXX # XXXX XXXX, CA XXXX Thank you! XXXX XXXX
12/02/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 494XX	Web
I am filing this complaint on behalf of my clients. One of the owners has XXXX and XXXX and is very ill. The other spouse had to quit work so that she could tend to her spouses needs and they got behind on their payments and stopped making them. THey tried several times to find someone to refinance them but because of medical bills and loss of income it was impossible. They waited to long to put the home on the market because of the illness. Now they want to sell it so they can get the equity out and move on. The home is listed for sale, the owners have been foreclosed on and have a 6 month redemption period that ends on XXXX XXXX, XXXX. I faxed over the Third Party Authorizaiton and Payoff Letter on XXXX XXXX, I have been trying to reach a person/representative at Ditech since XXXX XXXX, XXXX and finally yesterday reached a representative on XXXX XXXX, XXXX. Their phone system would fail when I asked for a representative, calling several times per day. Every time I asked to talk to a representative it would transfer and I would get the message " you have reached an invalid number '', time after time. I asked to speak to a manager at Ditech and was transferred to XXXX XXXX XXXX, Ext XXXX. She said they did get my letter and Authorization letter and will be faxing me a letter in XXXX to 5 days. XXXX said that they could not give me a payoff because the loan was transitioning to XXXX XXXX. I told her there must be some mistake or I need to speak with another manager to get this payoff, she refused and told me there was no one else who could help me. I do know that my clients have a 6 month redemption period to redeem the property or pay off the loan. I need to get this payoff. XXXX XXXX told me to contact XXXX XXXX and gave me the phone number, so I did contact them. On XXXX XXXX, XXXX I called XXXX XXXX at XXXX and spoke with XXXX ID XXXX, I asked her if I could get the payoff for the loan and she said no, I would have to get the payoff from Ditech. Once the home gets to them it comes as a property and they do n't have any information on payoff. On XXXX XXXX XXXX I called XXXX XXXX at Ditech again and left her a message and let her know that XXXX XXXX does not give the payoff, that we have to get it from the lender Ditech. I am still waiting for XXXX to return my call. My clients have equity in the home and will be able to get there equity out so they can move on. I feel that Ditech is making it difficult and are playing games since it is a higher end home and there is equity there. Or I just have not spoken to the right person at Ditech and XXXX is to lazy to find out who I really need to speak to. We really need help with getting to the right person and getting the payoff.
01/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 93308	Web
I am XXXX of those mistreated borrowers by Green Tree Servicing and its agent XXXX in the State of California. I was threatened, yelled and cursed at with garnished wages, arrest, called a liar and a dead beat. My loan debt was fabricated and was falsely misrepresented. Denied verification and my employer and fellow workers were notified about my loan status. My credit was ruined and I was forced into foreclosure and bankruptcy. This has been an never ending nightmare! Since the beginning that Green Tree ( XXXX XXXX ) alleged that my mortgage loan was in arrears and in distress, I have disputed Green Tree 's claim of missed mortgage payments or that my loan was in arrears or distress. I disputed in access of XXXX letters, emails and phone calls to Green Tree and XXXX XXXX allegations in XXXX of XXXX that my mortgage loan was in arrears in the amount of XXXX dollars or that my mortgage account was in arrears or distress. I was denied by Green Tree and its agent XXXX XXXX any remedy of an account by written itemization, complete audit or face to face meetings as required by law in the State of California. Whereas my contact person, an employee authorized by Green Tree Services with an office in the state of California, acknowledged that after conducting an internal audit in XXXX XXXX, XXXX XXXX and XXXX of XXXX, agreed that my loan was not in arrears or distress. She could not understand why her supervisors refused to authorize any written itemizations or audits of any alleged missing monthly mortgage loan payments. She further stated that she was not authorized to update or service my account. She also conveyed to her supervisors that I wanted a face to face meeting with Green Tree Services and XXXX XXXX. Whereas a XXXX XXXX Supervisor requested written verification directly from the vice president of Green Tree Servicing. The request to the Vice President took place in XXXX of XXXX, after she became aware of disputed issues that were proven to be false with valid cashed checks from XXXX Bank issued to Green Tree Services. I was promised by that XXXX supervisor that a written itemized statement showing first missed payments and any additional missed payments would be provided before any further foreclosure proceeding took place. When the final foreclosure proceeding took place in XXXX of XXXX, and after repeated emails and phone calls to the XXXX Supervisor that were not answered or returned, I was in fact not given any such written itemized audits from Green Tree Services on how they determined that I owed {$32000.00} dollars and denied any opportunity for a face to face meeting to mitigate my mortgage loan that was being serviced by Green Tree Services.
03/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 840XX	Web
In XXXX of XXXX my home in XXXX XXXX, Florida was damaged by Hurricane Irma and declared a FEMA disaster area. After over 1 year of recovery and {$160000.00} I think my house is repaired. FEMA did not offer any assistance as I had insurance and they referred me to the SBA which was quite helpful. Albeit a 3rd TD on my house at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Ditech, my loan servicer, offered me a forbearance period pursuant to FNMA guidelines as being in a FEMA declared disaster area from XX/XX/XXXX to XX/XX/XXXX. I was granted a forbearance period for monthly payments until XX/XX/XXXX. After XX/XX/XXXX they want a lump sum payment of {$40000.00}. Not what they told me. It cost over {$160000.00} to repair my house. Ditech managed my repair escrow account during the process. They granted me and told me that at the end of the forbearance period my loan would be modified to include the foregone payments and it would be added to the principal balance and modified. They have now offered a loan mod. on a 20 year amortization increasing my monthly payment by {$2000.00}. That hurts. They offered counseling. Serious? They did not tell me the truth! When I call them they claim the call will be recorded. I have asked for the recorded audio records to prove what I was told. They told me the forbearance would not effect my credit. My FICO score has dropped from XXXX to XXXX and they report me as 180+ days delinquent. Not what I signed up for! I could not get a car loan with that FICO. XXXX XXXX has reduced my credit limit on my unsecured credit line from {$13000.00} to $ {$3000.00} as they ran my credit and they were not impressed. Ditech is not being fair. They respond but not satisfactory. All my bills are paid on time. You have my permission to run my credit report. This is not RIGHT! My credit to me is very important. I complied with everything they told me. This is not right! Not sure how or if I need to upload the supporting documentation. The last conversation I had with " XXXX '' at Ditech he told me I was delinquent 180+ days and it could not be changed. How can I be delinquent in forbearance? " XXXX '' said they can't fix my FICO. XXXX! I made payments at the end of forbearance in XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX. I want them to fix my credit report!!! I have done all I was told I needed to do. This is not fair. I did not make the Hurricane and complied with all I was told I needed to do to repair my house. What's the point of FEMA, SBA, and FNMA? It's not RIGHT! I want my FICO back to XXXX all I have all the back up documentation. Ditech has my correspondents also. Where do I go from here?
02/22/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	VA 23464	Web	Servicemember
We purchased our home in XX/XX/XXXX. At the time I was an XXXX XXXX XXXX XXXX undergoing multiple deployments to XXXX and XXXX and my family was living on XXXX XXXX XXXX XXXX. The family was under a great deal of stress because our military quarters were directly on the landing approach for F-14s, which flew over the house at low altitude several times a day. Shortly after moving into our new home the home we discovered hidden termite damage that had to be repaired immediately. We took out a home equity loan from Ditech to pay for the work. The contract was signed on signed in XX/XX/XXXX, for a 25 year loan at 13.89 % actuarial interest. The original loan amount was {$77000.00}, and my payments were {$950.00} a month. Along with my primary mortgage, my monthly payments total {$2700.00}. Although this has been crippling financially, I have paid that amount every month since, and have never missed a payment-. I have paid Ditech roughly {$140000.00} in this period, and my current loan balance is {$68000.00}. In XX/XX/XXXX the value of the home dropped, and with our combined mortgages I have owed more than the home is worth every since. When I checked in late XX/XX/XXXX, the estimated value of the home was roughly {$310000.00}. Since moving in, we had another child, and the home was too small for our family, but we had no real options to move out. It gets worse. Ditech approached me earlier this year and offered to loan me {$350000.00} to consolidate both of my mortgages at 4.125 % interest, which would lower our total payments to roughly {$2000.00}. We were within a week of closing when we discovered serious termite damage in the home, and realized that the termite inspection report provided by our pest control company was fraudulent. Knowing that this was illegal and unethical, I stopped the refi process while we determined the extent of the damage. Surprisingly, my Ditech loan processor encouraged me to continue with the loan, citing that no one would ever know about the report. Even after I explained that I planned to not occupy the home as my primary residence and would therefore not be eligible for a refi loan, Ditech encouraged me to close the loan. Through this experience I learned that Ditech has not only taken advantage of me and placed my family in serious financial hardship from the beginning, but they were willing to place me in legal jeopardy. Through this entire experience I have met my obligations and dutifully my payments, hoping that I would be able to pay this loan down enough to get out from under it. They make it difficult to navigate their website and find pertinent information, and they are predatory in their practices
05/17/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 07003	Web
I was on a repayment plan from three months ; XX/XX/XXXX - XX/XX/XXXX, of which payments were due on the XXXX of the month ; My regular monthly payments were {$1400.00} and the repayment plan amount was {$1.00}, XXXX. In XX/XX/XXXX, I called Ditech to inform, that the XX/XX/XXXX payment was being returned, due to my direct deposit pay was being deposited after that date, which the representative indicated that was fine. As a result, the payment was received XX/XX/XXXX ; XXXX was paid on time XX/XX/XXXX ; XXXX 's was paid on time, and. XXXX was the month I would resume my increase payment of {$1500.00} ; l of which I paid {$1500.00} for the month of XXXX, During my conversation in XX/XX/XXXX, with the Ditech representative, I was advised. that once the re-payment expires in a XX/XX/XXXX, monthly payments would increase to {$1500.00}. Prior to her informing me of the increase, I had no idea, I never received correspondences via mail, email or phone. I received a call Saturday, XX/XX/XXXX from Ditch stating I was ( 60 ) days late and owed {$2600.00}. I was floored, for I honored the re-payments and thought I would be current once completed. The representative requested for me to provide my bank statements for the time period I was on the repayment as proof of payment ; Although the call was on a Saturday my bank was opened I immediately went to XXXX and the bank manager fazed the same day. On XX/XX/XXXX, I called Ditrech, to inquire the status of the investigation to the outcome as to why I was still in arrears. I spoke with XXXX x XXXX ; she was amazing, through her professionalism, she was able to identify why I was in arrears. She indicated that the calculations, that were calculated by Ditch, were prepared incorrectly. As the result, the payment plan was less the amount owed. I thought to myself, here we go again ( happened in XXXX ). Ditech has caused yet another financial hardship. Based on her calculations and my recent payment of {$1500.00} received ;, total I need to pay for ( 6 ) months {$1900.00}. Why do I find myself constantly battling with Ditch for employees who are not professional, lack being detailed oriented, lazy and are working just waiting to punch out frim their shift. Im frustrated for this is not my first complaint about the mishandling of my account. Why do I have to be the one to pay for the lack of work ethnics, knowledge and from your employees? This DItech organization has no idea or lack to the understanding as to how they are placing folks in jeopardy of their home.? I do not think that the lack of planning and adequately addressing consumers needs should all fall on me I would like a resolution Thanking you i n advance
10/27/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CO 801XX	Web
We filed for bankruptcy in XX/XX/XXXX and at that time, our mortgage was being serviced by XXXX XXXX. Any past due amount owed to XXXX was paid as part of our Chapter XXXX plan and our account was brought up to date. Then in approximately XX/XX/XXXX, Greentree acquired our mortgage, which then eventually changed names to Ditech. It was during this transition that a missed payment must have occurred or was paid later than normal, which caused our account to become past due. It was also during this time period when there was some confusion as to what our monthly payment should 've been. We received an Escrow Evaluation for our mortgage in XX/XX/XXXX, which showed our new estimated monthly payment to be {$1800.00}, when in actuality, it remained at {$1900.00}. So for many months, I was under-paying our mortgage, not realizing the amount on the Escrow Evaluation did not reflect what was actually due on our account each month. It is still unclear to me as to why our payment remained at {$1900.00}, when the evaluation clearly stated {$1800.00}. Also, because of our bankruptcy, monthly statements from Ditech only showed payments made and not what was due or any past due amounts. It was not until just prior to our discharge, we learned of our delinquency. If this was brought to our attention much sooner or at least shown on monthly statements, we couldve had the opportunity to bring our account up to date. We want to remain in our home and have tried to work with Ditech. We have continued to make our monthly payments on time but are still behind about 90 days. We requested a loan modification the first part of XX/XX/XXXX and filed all the necessary paperwork by XX/XX/XXXX. They have done absolutely nothing with our account and just keep giving us the run-around by requesting more information that is clearly laid out in our application, paystubs and statements we already provided them. We have still not received a single letter or notification that they are processing our loan modification request. Every time we make a call to Ditech, which is several times a week, they just say that underwriting has not reviewed it yet and will need more time. I think 3 months is plenty of time to make a decision regarding our modification request. We can never get passed the customer service rep that answers the phone, which is a different person each time, so we feel like we have hit a brick wall with Ditech. No one seems to care that it 's been 3 months since we first filed our application. We just want to work out a payment plan with them to bring our account up to date. But they do n't seem to want to help out the consumer at all. We do n't know what else to do. HELP!
07/11/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33914	Web
Green Tree servicing, My complaint is on Green Tree servicing, on behalf of my mortgage modification. It all started in XXXX 2014 when XXXX XXXX XXXX sold my mortgage servicing to Green Tree Servicing. Since XXXX I have been trying to modify my mortgage with Green Tree and have not had any success. I gave them the proper documents for proof of income and bank statements that they required and months later found out that I do n't qualify and they denied my modification. When I received the denial letter they stated do to the income my wife and I make we do not qualify. They also fabricated my home value stating my home was worth {$230000.00} when I owe {$220000.00} clearly showing I have equity. This is false because In XXXX 2014 when they took over from XXXX XXXX XXXX, XXXX mailed me there appraisal on my home stating that my home was worth {$160000.00}, so how in XXXX can my home go up in value that much. Their other fabricated lie was the amount my taxes was for the year that get escrowed. They stated my property taxes alone was over {$5000.00} a year when my taxes the past few years has only been around {$2500.00}. So when they add these ridiculous figures making it unreasonable to have a payment within their requirements. They gave us XXXX days to appeal there denial and I did and also presented proof of these fabricated figures to present my case. It is now going XXXX days since my appeal and still have n't gotten an answer and since then I have a trial date with them to attend court for a foreclosure. There is people and families making less than my wife and I are and getting mortgages and modifications. To give you an example we are making in the bracket of $ XXXX {$100.00}, XXXX a year. There is also no debt other than a car payment and regular house expenses we can clearly afford a mortgage payment. When we first fell behind a few years ago yes we were n't making what we are and we were struggling. My wife has since finished school and has a good steady job and I have since switched jobs as well with a more stable company and we are with our new jobs for over XXXX. It seems that Green Tree is another bank not willing to help families stay in their homes all they do is lie and find a way to turn everyone down. It 's a shame that our government lets these banks operate like this and steal people 's homes that they worked hard for. My wife and I built this home over XXXX yrs. ago and made our home our family home while raising our children and would like to continue doing so. All I want is a solid real modification and a chance to keep our family home. All I get when I review these mortgage companies negative feedback same story it 's a shame.
05/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89169	Web	Older American
XXXX XXXX XXXX tranferred the servicing of this fraudulent loan, that I have been forced to pay them over the years. Ditech in addition of its knowledge that the mortgage lender was not XXXX XXXX XXXX, took the service of such fraudulent loan on XX/XX/XXXX with the intention to stole my property by conducting an evil plan with the aide of XXXX XXXX XXXX, XXXX by refusing payments. First they said, " we have to wait for all the documentation from XXXX XXXX XXXX it might take up to 60 days ''. Then they said on the 60 day " we still have not completed the transfer '', after the 60 days they said, '' we can not receive payments, you have to wait for a letter from us ''. We insisted that they could use the direct payment draft from our bank that XXXX, was using, but they insisted we have to wait for the letter. We made several calls to them the first one was in XX/XX/XXXX to XXXX who told us they have transferred the service to Ditech because they did not inform us. We called them right after and they replied what I wrote above, " we have not received the documents from XXXX you have to wait '', we called them several times each month. but they insisted to wait for their letter. but all of these was just part of their scheme because we discovered that Ditech Financial withdraw a payment on XX/XX/XXXX and then stopped the withdraw of the payments pretending they couldn't do it with the purpose to foreclose and stole our property. Then on XX/XX/XXXX they sent us a letter from XXXX XXXX stating, the full amount to reinstate the loan is {$6600.00} good to XX/XX/XXXX '' they also stated that some charges might not be used by that date. We paid them the entire amount requested before their due date. It was obvious they wanted to lead us to foreclosure to rob our property, because they knew XXXX and they did not own the mortgage because it was satisfied since XXXX. At that time we did not know of this fraud until three months ago. Ditech transferred the servicing to XXXX XXXX XXXX that also knew about this fraud on XX/XX/XXXX. We want an audit history that includes all the payment of principal, interests and fees. This crook had the audacity with the aide of its partner of crime XXXX XXXX XXXX to provide them when I asked for information from XXXX copies of fabricated monthly bills that they never sent, and fabricated letters stating, as if we asked them for a modification, and others as if we appealed their denial. which is a big lie. they again as XXXX and XXXX mentioned the name of a New York trust to be the owner of my alleged mortgage, which trust doesn't exist. The investors who are the ones that funded my loan based on my signature were fully paid.
11/28/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94404	Web
My adjustable rate mortgage increased and I have no problem making the payments, as my FICO score is greater than 803 and I have plenty of money. My problem is twofold : 1 ) the statement I received is misleading ; and 2 ) the " customer services '' practices of this company is deceivingly a sales gimmick. Ditech maneuvers to first sell re-finance packages immediately AND before it transfers me to the customer service center to discuss why it held in suspense over {$1200.00} I timely paid toward my mortgage, while simultaneously claiming I owed twice the monthly payment by XX/XX/XXXX, else I would AGAIN be charged a late fee of {$63.00}. Ditech immediately answers their phone ( which is the only number posted on their statement ) to sell refinancing and homeowner 's insurance. Only after they 've pushed their refinancing sales on customers are we then transferred to " customer service '' and then we have to " press 1 '' to not have to go through this process again, but to instead have the privilege of holding on the line to discuss the issue regarding which we called. Having pressed " 1 '' so as not to have my call dropped, I held for over 10 minutes to wait for " customer service '' to attend to the issue. The issue was resolved by me paying the late fee of {$63.00} and the increased adjustable payment of {$67.00} ( to add to the {$1200.00} which was " funds in suspense '' ). The statement is misleading. It claims I owed {$2600.00} by XX/XX/XXXX, which does not give me credit for the {$1200.00} I already paid and which they acknowledge receiving ( yet held the funds in suspense ). The statement SHOULD have said I owe {$130.00} ( {$63.00} in late fees and $ {$67.00} representing the balance due on the increased adjustable payment to make my {$1200.00} payment whole. ) Once I worked this confusing billing statement out, I wondered what happens to the elderly and " little guys '' who do n't have the time or resources to navigate through Ditech 's sales tactics, holding the line ( have to press 1 not to have the call dropped ) and persevering to get the correct balance due amount articulated so the money Ditech already received is applied to my payment? While I was thinking this out loud on the phone with the " customer service '' person, she had the audacity to ask me if I 'd like to buy homeowner 's insurance -- clearly a " canned pitch '' she was required to ask as part of her concluding the call. I know there are worse companies out there than Ditech, but these processes and practices that Ditech now has in place are predatory and justify the existence of the CFPA, assuming the CFPA is cost effective in regulating this kind of behavior.
03/02/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10940	Web
In XX/XX/XXXX I started a messy divorce at the time my mortgage company was XXXX XXXX. I called and asked that the extend my mortgage so I could afford to pay it without my spouse, they said NO. I didn't even ask for any discounts or forgiveness. I bought my house high {$360000.00} now worth XXXX with now forgiveness offered. I was in the middle of a short sale when my soon to be ex-husband claimed bankruptcy. Cancelling my short sale. I let the house go because no one would help me. I decided later that I was going to fight harder. I moved back into my home that sat vacant for 3 years. My mortgage was sold 3 times at least. I started this process with many services, XXXX XXXX XXXX ( one of the rudest companies ever ) and XXXX XXXX. Once we were close to modifying my mortgage was sold again. Now with Ditech, I had to wait a very long time to start a modification. I did all the leg work. I sent in all my papers in XX/XX/XXXX. My modification trial started, I made all my payments ( which I feel should be less, currently @ {$2500.00} ). They did say they were slightly behind and instead of 3 mos it could take 5 or so. Now here we are XX/XX/XXXX I am still without modification papers, all payments made. I call there teams, its like speaking to a new employee ever time. Their loss mitigation dept does not speak to their foreclosure dept. Also in XX/XX/XXXX, the foreclosure dept sent my attorney Modification papers saying I neglected to sign them and if I didn't do it immediately the deal was off. I signed and forwarded and then called loss mitigation and said you never sent me papers and they stated the attorney should have never recieved those documents and they were invalid. I called this am, XX/XX/XXXX, I was now told they finally received the title chain they needed and were working on my papers ... ... Which may take 30 more days. I stated this is now unacceptable. These mortgage companies hold people hostage, make you feel like you are an irresponsible person ( which I am not ) and as if I am some how the only person to be held accountable. This system is outrageous, WHO PROTECTS ME????????? I have a book with dates and calls and there were so many I stopped writing them all down, I have papers and papers I have worked on, at what point does someone protect me and people like me. I am not looking for a free ride, I have work hard my whole life and just want this process laid to rest. I am disgusted the government has not done more to help those responsible people who just had an unfortunate situation. I should be protected from this process, am I?????? If you need all my documents tell me where to mail it, its way too much to attach here.
08/26/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30655	Web
XX/XX/XXXX XXXX XXXX XXXX c/o XXXX XXXX ( P.O.A ) XXXX XXXX XXXX XXXX, Ga XXXX The purpose of this letter is to file a complaint against Ditech LLC ( servicer ) & XXXX XXXX ( investor ). Around XXXX or XX/XX/XXXX, XXXX XXXX had contacted Ditech ( servicer ) for some assistance on the mortgage payments. XXXX XXXX advised the representative the mortgage payments are almost amount received for her SSI. Thus, XXXX XXXX is experiencing financial hardship due increase of expenses around the house. The representative confirmed that Ditech can aid with this request, but XXXX XXXX is required answer a few questions to see if qualified to receive some forms from XXXX XXXX to aid with her request of a manageable mortgage payment. I, XXXX XXXX, am XXXX XXXX XXXX, and I assisted my mother with answering those questions & filling out the forms ; however, XXXX XXXX or I was not advised the main requirement required to be approve for assistance from Ditech & XXXX XXXX. XXXX XXXX & I was never advised by all the representatives & supervisors from Ditech, letters from Ditech, missing documents from Ditech & XXXX w/ XXXX XXXX XXXX Ditchs response from the file compliant, XXXX 15 days investigating against Ditech , emails from XXXX , and phone calls with XXXX that we were advised that XXXX XXXX mortgage payments must be 60 to 90 days delinquent before providing any assistance. Therefore, our thought process is why send the forms for assistance twice, why tell us what documents were missing, why send all the required documents & forms for assistance, and why do a 15 days investigation if Ditech & XXXX w/ XXXX XXXX both knew XXXX XXXX mortgage payments were not delinquent & the account would not be approved because of this reason. When XXXX XXXX called Ditech onXX/XX/XXXX to see why, and a representative stated it was XXXX XXXX who made the decision & that maybe my mother should sell her home if she could not afford her home. However, XXXX w/ XXXX XXXX stated it was Ditech who made the decision, and it was nothing XXXX XXXX could do as an investor. Then XXXX XXXX refused to provide XXXX XXXX with a supervisor, that all supervisors have a set schedule, the supervisors do not wait after XXXX to speak with consumers, and stated did advised XXXX XXXX of the 60 90 days delinquent. Thus, I reviewed all letters, documents, & emails very careful before writing this letter, and it was nothing said about the 60 90 days delinquent requirements. Now, XXXX XXXX mortgage payments are going to be {$860.00} w/ a SSI income of {$800.00}. All the letters & documents stated some kind of assistance would be provided ; however, we only got a rejected letter. Thanks XXXX XXXX
10/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 604XX	Web
I am writing to request your assistance in getting the PMI off my mortgage loan. In XXXX, with the help of my family, I bought a home for myself ( a single mom ) and three sons The mortgage was in the name of XXXX & XXXX XXXX ( my sister and brother-in-law, with my name on the title ) ; the amount of the original mortgage was {$120000.00}, including home owners insurance, interest and PMI. At the time of the closing, we were told the PMI would be automatically dropped once I established a consistent, timely, and good payments ; probably within two years In XXXX, the housing market fell, and like many homeowners I now owed more than my house was worth Unlike many homeowners ( or banks ), I did n't walk away from my responsibility I kept making payments However, now the PMI had a new rule : the house had to be paid to 20 % of its original worth, in order for the PMI to be dropped. Since my house was now worth little more than half of what we originally paid, this goal was no longer an option. In XXXX, we refinanced {$97000.00} for a lower interest rate The lender was Green Tree Servicing LLC, XXXX, XXXX , XXXX XXXX, MN XXXX Account # XXXX. Again we were told the PMI would automatically come off after a history of payments was established. After refinancing, we also put an upstairs addition on the house, adding XXXX bedrooms and another bathroom, paid for with my own money. In XXXX, my loan was sold to and is currently : Ditech, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX. Monday-Friday XXXX ; Saturday XXXX XXXX Account # XXXX. My Mortgage started at {$120000.00} today the balance is at {$77000.00}. In fourteen years, I have not missed a single payment, nor was I a single day late. In fact, for the past two years, I have been putting approximately {$100.00} extra a month on the principle of my loan. This time when I called to have the PMI removed, I was told I would have to pay {$1000.00} to have one of their appraiser 's come out to access my home. This is almost equivalent to a year of PMI! My understanding has always been that the lender would drop the PMI automatically, when the balance of my mortgage fell to 80 percent of the original value of my home. I feel victimized. There does n't seem to be an end to the PMI on my mortgage. The finish line keeps getting pushed away. The rules keep changing. I would greatly appreciate your assistance in this matter. If you need additional information please call me at ( XXXX ) XXXX. Or email me at : XXXX. Is n't it odd that my mortgage was sold to a company that exists at the same address as the previous company?? Thank you for your assistance in this matter. Sincerely, XXXX XXXX
10/31/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33325	Web
Six years ago due to financial difficulty we had to file personal bankruptcy. A repayment plan was established by the court, and we made monthly payments to the Trustee as required. At the same time, we stayed current with our monthly mortgage payments, which were made directly to the bank, and not as part of our payment to the Trustee. We completed bankruptcy 8 months ago, and had advised our mortgage holder of this repeatedly, requesting to be removed out of the bankruptcy department in order to receive regular statements reflecting payment due, mortgage payment breakdown in interest and principal, principal balance etc..We were deprived of this information while in bankruptcy having been told we would not receive any statements, as this was a customary bankruptcy procedure from the bank. Upon completion of the bankruptcy program, and with formal discharge from the Trustee, we tried to get out account reinstated to " regular '' statements, but were put off for months by the bank with excuses, such as " we have to confirm it ourselves '', " it should take 2 more weeks '', " we have to escalate it, we do n't know what 's taking so long, we have received all the necessary forms, its just a matter of getting the loan processors to update your account and release your account form bankruptcy '', " your account has to be updated, you made some extra payments which are held in a different account, and the loan processor has to apply them to your principal balance, we are escalating this matter again '' ETC ... .After 8 months we finally were taken out of bankruptcy and received our first " regular '' statement, but upon reviewing it, we found a complete mess..The payments we made were only partially applied to interest and principal balances, some of the funds having vanished without any credit/posting to the account. Also there are additional untitled fees that the representatives have no explanation for. Having been 'reinstated '', and out of bankruptcy, at least our latest payment should have been distributed into principal and interest, and clearly reflected/posted to our account. But out of a payment of {$1000.00} only {$980.00} distributed to principal and interest, the rest having vanished without explanation or understanding from even their representatives. The only assurance I got from them is " we will escalate this matter, and get an explanation as to what is happening with your payments, but your account is Current at this time ''. However many of these issues have been going on for months now, without any resolution and at this point we have lost confidence in their ability to correctly and ethically service our mortgage loan.
11/15/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	AL 35173	Web
My mortgage Company is making me behind in my payments. They started holding my payments in funds in suspense balance in XX/XX/XXXX. XX/XX/XXXX statement has {$2200.00} being held. my payment is was {$1100.00} then they raised the payment with telling me why. It was just on my statement I was doing trile payment until XX/XX/XXXX of XXXX. I did all the payments but, then they made all the payments that I made in the trile pay ments back to XXXX. No letter why just changed on statement. I have a escrow that gets {$290.00} each month. They took my payment to pay my taxes. did not count it as a payment. Just put me behind more in my payments. Then they took my payment to pay my insurance. did not count my payment as a payment put me behind another payment. I have been trying to get a loan modification for a longtime they just keep making me do the whole package to get the loan with over. I can never talk to anyone. I leave messages no one calls me back. I am on XXXX my check is only {$XXXX} I have been trying to get a loan since XX/XX/XXXX. I never get a letter turning me down they just want more paper work that I have given them so many times they say they do n't have it. The tell me its in underwriters then they need more of the same paperwork. I have worked with them until what they are doing to me now. I make a payment they hold it in suspense. They make me behind another month. They are suppose to pay my taxes and insurance out of my escrow. Which XXXX goes into it every month. I have ask for a copy of my escrow account have not got one yet. I am being miss treated by them. They are putting me behind even if I make payment. they want to foreclose on my home I have a lot of equity in it. I have never had a mortgage company take my payments to pay what should be paid out of escrow. Then do not show I made a payment. I think they think I am to dumb to notice what they are doing. I went to XXXX out of high school. That was what I wanted to do I liked being and helping people. I got alone with everyone. But, it was not the money I wanted so I started XXXX. Still not the money I wanted. I started XXXX that was much better money. But, still not what I wanted so I XXXX. I had finally got what I wanted. XXXX. I always worked as hard as I could. When I was XXXX I worked everyday day light to dark. I wanted to be able to stop working while I was young enough to enjoy life. As I was XXXX I met this man I thought I knew. But, I did n't he just wanted what I had worked my whole life for. XXXX. XXXX. that is why I am XXXX now. all my hard work my whole life gone. now I have to deal with a mortgage company that is not acting right. please help me.
08/22/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NJ 076XX	Web
We have an existing mortgage with Ditech. In XX/XX/2017 we got approved for a trial period plan modification. We had to make three consecutive payments in XXXX, XXXX and XX/XX/2017 to be eligible for a permanent modification. We paid the the XX/XX/2017 and XX/XX/2017 payments. When making the XXXX payment we had mailed a check but Ditech had not received the check as of XX/XX/XXXX so a representative from Ditech called us to find out when they would be receiving XXXX 's payment. We informed them that we had mailed a check but since they had not received it yet we would stop payment on the check that we had mailed and make the payment electronically so it would not affect the trial modification. So on XX/XX/2017 we had a stop payment put on the check and made the payment electronically. We figured since the payment was made electronically to Ditech we would okay with the modification and our checking account would not be overdrawn when the check was presented against the account since we had stopped payment on the check. We thought everything was okay and were approved for a permanent modification. We did not realize that Ditech had credited our account for both payments ( the electronic payment and stopped check payment ) so instead of removing the second payment from the account in XX/XX/2017 Ditech waited until XX/XX/2017 to deduct the stopped check payment from our account therefore putting our Mortgage a month payment behind. We do not understand why this was done in XX/XX/2017 and not in XX/XX/2017. We have copies of the stop payment from the bank and and a copy of the check showing Ditech had presented the check to be paid in XX/XX/2017 not XX/XX/2017. If the payment had been deducted at the proper time before the modification paperwork was finalized we would not be behind on the mortgage again. This is the second complaint against Ditech. Back in XX/XX/2017 we had filed a complaint against them because we had applied several times for a modification and they kept stating they did not receive paperwork and such but we had sent the paperwork certified mail and we able to prove that they had indeed received it and shortly after the complaint they had offered us the trial modification. We would appreciate any help in this matter. We have a son with XXXX XXXX XXXX which is taking a huge financial toll on us even with health insurance. It is necessary for him to have XXXX on a daily basis ( his body no longer produces any XXXX ) along with XXXX XXXX XXXX and other XXXX and everything is very costly. We are so upset that we had gotten ourselves back on track just to be put right back in the same situation. Thanks again for everything.
03/22/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	IA 526XX	Web	Servicemember
we are back at it again. you, Ditech playing games, while this time you are in chapter XXXX bankruptcy and switching accounts around and adding monies that have already been paid, too the new account that you have created in my name! i am down to {$2500.00} before i made the XX/XX/XXXX payment of {$250.00}. then you switch accounts on me and i am suddenly back at {$8600.00}, i found this out by logging into my account. in reality, if your company and previous company named greentree financial since you are the same company, would have correctly serviced my loan since XXXX, i would have actually been paid off in XXXX, but it wasnt. you came back and said i owed over XXXX dollars. which is weird because you have received every dime plus interest, even when i fell behind in payment due to 2 divorces, all behind payments and interest were paid. your servicing issues were on you, not my fault that you doctored my account. since i was worried about losing my home, i had no choice but to be a pawn in your scheme and keep paying. also since you jumbled my account to a new account, XX/XX/XXXX, you cancelled my insurance which the cost was added to my account of $ XXXX.and you received {$340.00} back. i will be deducting this amount from on my previous account. now on to other things. now that you have changed my account from the account i have had for 22+ years, you send me a letter saying i am behind in my payments, i argue that point with you, because you receive my money every month, which leads me to my credit report that you have falsely been reporting on for a few years. every one of my payments have been declared over 120 days late since XXXX and there are discrepancies before that. my payment marks should reflect fairly of that month. also, you gave me 3 options in your recent letter dated XXXX XXXX, 1 ) was to modify my account, already done and had to fight through CFPB to get it done, 2 ) you tell me if i cant afford my home to either sell it or find more affordable housing. i have been paying you 22+ years and you keep trying to add more money! also, you want me to file a loss mitigation report. i know already how that works, you play the didnt receive it in time or paperwork is incomplete game. your own documents, that i receive monthly show my balance owed and now that you are in a chapter XXXX bankruptcy, you obviously think that you can switch stuff around to make it look better for you in front of the judge and trustee. i expect this matter to be resolved and corrected. i honestly believe, my account and probably thousands of others, should be forensically audited by a federal auditor through a federal investigation!
02/13/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 309XX	Web
Three years ago I received assistance to pay my mortgage for 2yrs. This should have ended XX/XX/XXXX. My mortgage company stated I was behind because I didn't pay XX/XX/XXXX. I determined that the last few months or so of the assistance the mortgage company Ditech increased my mortgage. I was unemployed and fell behintd on my mortgage. I asked for a modification and qualified. In XX/XX/XXXX I received loan modification paperwork from Ditech. I was able to make my 3 lowered monthly payments on time and qualified for the modification. I completed the paperwork and sent it back to them. I never heard anything from them. This concerned me. I attempted to call them to speak on the matter. I was continuously transferred to different people and voicemails. XX/XX/XXXX I received a notice that they were going to foreclose on the home. I called and after being transferred 3 times I spoke with a young lady who was able to assist me. She stated that my modification paperwork was incorrect that my notary signed in two places. No one called or sent documentation to inform me of this mishap. I was unable to make a payment because I was not sure how much to send. The young lady sent a second set of papers I completed them and mailed them back. The young lady stated the amount I should make my future payments for. She stated that Ditech was at fault by not contacting me to advise of the incorrect paperwork. I called XX/XX/XXXX a month after sending the documents back and spoke with XXXX. I received another foreclosure letter. She asked why it took 3 months to send the modification paperwork back. I advised her to review the notation. She apologized and said that Ditech was working on the issue and was waiting for XXXX to agree to the terms. That XXXX was backed up and they could not proceed forward without them. She also advised me to disregard any foreclosure documents sent because it will take a minimum of a month to process the modification. On XX/XX/XXXXI received another foreclosure notice. I called and could not get anyone until XX/XX/XXXX. I spoke with XXXX who stated I should review XXXX hosted by XXXX XXXX. I advised that I wanted to speak to someone about loss mitigation. I had a representative named XXXX. At this point I do not know where I stand. I am unclear if they are going to attempt to foreclose on the house. The initial loan modification didn't occur due to their negligence. I feel they want my home and a purposely not assisting to ensure they have the property. They hard to reach, uncooperative, elusive, and do not return calls or voicemails. I truly feel that others must be experiencing the same issues with Ditech Home Loans.
05/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WY 82718	Web	Older American
We were turned over to XXXX XXXX XXXX in XXXX and were told that before they would service our loan we had to do a new loan, in XXXX XXXX offered us a modification and only reduced our payment by {$100.00} and then told us we were late on paying and then tried to foreclose. We had to pay them over {$10000.00} to keep our home, then in XXXX XXXX dumped us to Green Tree Servicing, they have told us ever since that we have been late on paying when we have not been, they charge a fee every time we pay them. In XXXX I lost my job due to illness and in XXXX of XXXX we had to file Bankruptcy. Green Tree immediately turned nasty, they tried to get the relief of stay lifted and then withdrew the request, after they lied to their attorney and he dropped them. We paid on our mortgage through XXXX of XXXX, since XXXX of XXXX we have put in hardship letters and modification paperwork and Green Tree has repeatedly come back with XXXX excuse after another why it can not be done, to date we have put in over XXXX requests for modification, we even went through the HAMP Resource Center and they stated that since the requests and replies for modification were non-HAMP there was nothing they could do to help. Green Tree has offered XXXX modifications that we can not afford at this time, our only income is my wife 's XXXX, I have applied for Social Security XXXX but have been turned down XXXX. Since then I had to engage an advocate service and now we are waiting for a hearing. In the past week Green Tree has called us and told us we had to pay in order to get a modification approved. We ca n't afford to move because even the rents in our town are as much as our payments. We do not feel that Green Tree is being sincere about helping us, we even got a foreclosure letter from an attorney the same day that we received another modification package from Green Tree. We ca n't sell our home due to the fact that they are still building new homes in our area and no one wants a XXXX year old house. We feel that Green Tree has violated almost all of the conditions of our mortgage agreement, we have requested documentation of who owns our mortgage but to date we have not received XXXX shred of documentation except for a copy of Green Tree 's servicing document from XXXX. Green Tree keeps changing who we need to talk every XXXX months and then we have to start all over again. They are the worst company I have ever come in contact with, they have no knowledge of mortgage issues or how to do anything mortgage related. They keep making demands but do not offer to really help. We hope that you can offer some insight in to what we can do with these people. Thank you.
05/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28025	Web
XXXX sold my home loan to Green Tree but failed to transfer my loan modification that had become permanent and was wonderful. It took me 18 months to get this information transferred at which point the home was delinquent, I moved out of it XXXX 2013, and they said that the only way to get the payments to the modified amount was to back pay {$17000.00}. This is an impossible task for a single parent of a young child in child care, without child support, and working 6 days per week just to make ends meet. This mishap put us in a poverty stricken, high crime, area paying {$800.00} rent for the last 26 months whereas we could have remained in our home, in a great area, brand new, for {$1100.00} had they originally transferred the amount. After all, I did put 10 % on the home and at one point worked XXXX jobs to maintain the {$1500.00} house payment and my XXXX credit score. It was by the recommendation of the representative at XXXX XXXX XXXX that I initially became delinquent to obtain the modified amount. Being unable to repay the {$17000.00}, I was forced to either have a foreclosure or short sale. I had several offers on the home in XXXX but in order to even begin a short sale, it had to be listed for sale publicly. I did this. Then I submitted paperwork upon paperwork to Green Tree with it being lost each time. Finally after six months of going around in circles and the offer being retracted due to time, I submitted my first complaint through this site. It was after submission of this complaint, they finally began responding to me. I made the home active again and immediately had another offer submitted. Green Tree countered the offer and the contract was retracted within 2 days. The home was immediately made active again and 3 offers flew in within one day. One of these offers is {$200.00} above asking price which is the amount of the principle pay off. Also note, during the showings of the home, the stainless steel stove/oven was stolen so now the home is being sold without and they still offered {$200.00} above asking price. Now that the offer, short sale addendum, mineral rights, etc. have all been signed and submitted ( within 3 business days ) ; they are requiring that I begin this process all over again at which point I will lose the offer of {$190000.00}. I have been doing everything possible to save this home and I am not getting any assistance from Green Tree. Not even something as simple and being helpful. My poor realtor has worked more than one ever should and we are tired of constantly going back and forth. They will lose much more money if I let it go into foreclosure ; I am trying to help everyone involved.
06/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TN 373XX	Web
In XXXX of XXXX, I noticed that our mortgage balance was much higher than it should have been since it was going to reach maturity this year. Our mortgage was with Greentree Financial. I called and talked to a rep who said, 'oh just keep on making your payments and it will be fine '. In XXXX, our loan went to DiTech. I called them and was told the same thing. In XXXX, XXXX, we get a letter saying that our loan was mature and that unless we paid {$11000.00}, we would be in default. I called and spoke to someone else and was assured that I only needed to call our account rep and she could do a loan modification for us and everything would be all right. I tried to get in touch with this person for over a month, leaving her messages and expecting a call back. Then, I get the message on her machine, saying she would be unavailable until further notice and was referred to another lady. She informed me, that despite everything I had been told, we were in default and she could not do a loan modification. They are starting foreclosure proceedings against us. I tried to find out how we could owe {$9700.00} in principle since we have been paying for over 20 years on this loan. She could n't tell me, but put me on hold saying she would get someone who could. She came back in a few moments and informed me that the other lady told her that she could n't give me any more info than she already had. We 're not trying to get out of paying our loan. I just do n't understand how we could owe that much. And, despite being told we could get a loan modification by one person and then denied by another. The lady said they could n't do it because there was no land involved with our loan. I informed her that there were XXXX acres which we put up as a down payment for our double wide mobile home when it was purchased. That info however, made no difference. I do n't understand. The land would be worth more than what we owe on the loan. Perhaps that is the point. They can take our property that we have paid on for 20+ years, resell it and make a good profit. All the explanation I can get from these folks is ... '' I 'm sorry ''. I was told by a banker that it would take too long to get a loan anywhere else, that they would have to refinance it or modify it, or it would be too late. We ca n't even get a loan because our credit rating has now tanked. I just do not want to lose the home that we have worked and paid on for over 20 years and no one at DiTech will help. I even asked how much time we had to come up with the money and the lady told me that she did n't know. Apparently, I wo n't know until my property shows up for auction in the local paper.
12/30/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AL 356XX	Web
My complaint is with Ditech formerly known as GreenTree servicing LLC. I was informed by my Realtor on Saturday that he pulled up auction as he does and my home was listed to go up for auction on Monday XX/XX/XXXX. My home had been up for short sale and has some potential offers coming through. I made contact with Ditech Monday morning XX/XX/XXXX and talked with a rep and asked if sale could be postponed so my realtor can drop price and get an official offer. I was told by the XXXX rep that she will send to upper management and will callback within a hour. No callback so I called and was told still had not heard anything and that I should try back. I called back 2 more times and they new nothing. I called Tuesday morning and talked with my normal Rep XXXX. She looked over case and asks the normal questions is it your intent to keep the property as they do every time you call and I have been since XX/XX/XXXX been saying no its up for short sale. I asked her about auctioning of house scheduled for XX/XX/XXXX and that we have not received any notice and that only reason that we know if because of realtor seeing home on auction list that he gets. She said that we notified your realtor. I said no you didnt and why would you tell them and not send some sort of notice to me the homeowner. She then bags off and says well we cant speak with you because your intent is not to keep that property. I said that has been this way since XX/XX/XXXX and you all have called me 2-3 times a week. XXXX then states that they can talk to me if I call them. I told her once again they have been calling weekly. XXXX hangs puts a manager named XXXX on the line who tells me that my short sale was denied back on XX/XX/XXXX. I informed her that I was not under short sale then. She then tells me that it was denied XX/XX/XXXX. I told her I received a letter from them stating that my modification was denied and that I have other options such as Short Sale or Deed in Lieu of. I am supposed to be doing Short sale so what is problem. She said oh well nothing we can do. I then asked her when was I gon na be notified that house is up for auction and she tells me oh the sheriff will serve you or you will receive certified mail. Neither has happened and auction is on Monday XX/XX/XXXX and its XX/XX/XXXX. This is not the only issue with Ditech formerly known as GreenTree. I have never received notice that they were taken over by Ditech as recovered by law. I also have not received a statement from GreenTree/Ditech in almost 2 years. I have filled out modification paperwork over 7 times only to be denied each and everytime. The have violations they have committed.
03/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95618	Web
In XXXX my mortgage loan was transferred to Green Tree lending, after 5+ years of being serviced by XXXX. In XXXX my husband and I contacted a bank to initiate a loan for a remodel of our house. But we found out we needed a reaffirmation agreement from Green Tree ( I went through a bankruptcy in early 2010 and the loan was not reaffirmed because either the Trustee would not approve, or XXXX did not -- -it unclear ). I contacted Green Tree starting on XXXX XXXX and was told after multiple calls that I needed my attorney to contact them ( I am XXXX and still do not understand why this is the case because I can XXXX ) ; However I went along with their request. Further, and prior to being told to have my attorney contact them, I left multiple messages for the customer services person I was told handled my account and was not called back. I completed a third party authorization form and my attorney faxed it. On XXXX XXXX I called Green Tree and was told they needed to check with their bankruptcy division. The bankruptcy division told me that I needed to re-open my bankruptcy before they would even refer it to their bankruptcy attorney for an agreement. However I was also told that they typically only do reaffirmation agreements within 60 days of the bankruptcy. I tried to explain that I was not even a Green Tree customer 5 years ago, but the representative did n't seem to understand. My attorney called on XXXX to verify that if I re-opened my case, they would indeed provide a reaffirmation agreement. She was told that Green Tree 's policy is to not do reaffirmation agreements. She pressed further and was told that Green Tree has a specific law firm that represents them for the geographical area where my house is located. She was given the name and number of the law firm. She called the law firm yesterday and left a voicemail. Today she called, was told they did n't know about my case, but then was again directed to the attorney she left a message for yesterday. She provided me the name and number of the firm and attorney and I called and was directed to voicemail. I also looked up the firm online and attempted to look up the attorney on the State bar website. I could not locate the attorney on either the firm website or the State bar website. I would like to understand if it is legal for Green Tree to have a blanket policy for not doing reaffirmation agreements. Also, what my rights are as the home owner with the lien. I would like to refinance the loan so that it is reaffirmed, but thus far am being told I ca n't refinance unless I have a reaffirmation agreement. But that my loan servicer wo n't do a reaffirmation agreement.
09/01/2015	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	CA 92008	Web
In XXXX XXXX my wife became medically XXXX and was unable to work. We were no longer able to pay our mortage. We performed a short sale on our home in XXXX, XXXX. The XXXX lien was held by GreenTree Serving. In spite of repeated assurances that the short sale would satisfy our account, the company did not provide a settlement statement at closing and mailed a letter stating we still owed $ XXXX postmarked ON THE DAY OF CLOSING. They began harassing us for the money, calling us day and night, and they wanted us to pay all that money at once. We had to get a lawyer to stop the harassment. Nothing was reported on our credit from that point on. Two years later, our financial situation greatly improved, the VA had declared me XXXX XXXX and I received a pension and my wife had received a legal settlement as a result of her medical circumstances. We were able to buy a home again ( VA standards are to wait for 2 years after a short sale ). But the second lien was still listed as open. We tried to get the company to remove the derogatory information but they refused. We ended up settling the amount for $ XXXX. In our settlement statement we made sure that the date of settlement reflected XXXX XXXX. GreenTree began reporting that we settled in XXXX XXXX, which greatly damaged our credit and prevented us from qualifying for a loan. With a settlement statement in hand we attempted to dispute the date with all three credit bureaus. The credit bureaus ignored our documentation and used what GreenTree told them, that the settlement date was XXXX. GreenTree pretended that it was n't their fault, that it was the fault of the credit bureaus. It took several months of disputes to finally get the credit bureaus aligned to reflect the correct date. We were able to get a loan in XXXX XXXX. By then interest rates had risen over 1.5 %, and the market had appreciated over 20 %. This unethical behavior by GreenTree cost our family over $ XXXX. As soon as our loan was processed, the credit bureaus " magically '' began reporting the XXXX date again. We disputed several times and were only able to fix XXXX of the bureau reports. XXXX is correct, the other eliminated the account altogether, but a XXXX continues to report the inaccurate date. The XXXX bureau refuses to accept our documentation and claims the date has been verified by GreenTree. This company has put us through years of emotional stress and have directly affected our financial situation - tenuous as it is in our recovery from XXXX. GreenTree has still asserted recently that their report of the XXXX date was accurate in spite of internal emails and a settlement letter disputing this.
10/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33351	Web	Older American
I have owned my home for 14 years, not once in those 14 years have I made a late payment on my mortgage. My mortgage was apparently sold and is being serviced by Ditech. In XXXX 2016 my automatic payment for my Principal and Interest was not deducted from my bank account, there was however a NSF Fee. I contacted Ditech immediately to inquire about the issue. I was told that I had been sent a letter ( I never received ) requesting proof of flood insurance and when it was not provided that Ditech had opened an escrow account and my payments would be significantly higher due to this added escrow. This is not the first time I have had a mortgage servicer request proof of flood insurance, I gathered the requested information and faxed it to them immediately. I followed up and was told it had not been received. I sent it again. I followed up and was advised it had been received and would be resolved. I then began receiving letters that my account was delinquent, I called back several times. They refused to take payment unless I paid the Escrow amount that I had already been advised was not warranted. On my second attempt to make a payment, I explained the issue and spoke with a supervisor that authorized the payment on the principal and interest to get me current, she also assured me that once my insurance was received the insurance coverage they opened would be stopped and the escrow account closed, to find out afterward they applied it to the escrow account. I have sent Fax after Fax, email after email, proof of insurance for flood. Once confirmed they had updated the flood insurance, they then opened a Second account ( forced insurance ) for Hazard that no one until that moment had mentioned to me. I Immediately sent proof of Hazard insurance. I have requested in writing that the escrow account was not authorized or opened by me and requested it be closed, this was declined they said due to non payment of the same escrow account I have proven was not opened by me or required. My Insurance documents have been verified as having been received and updated yet I still can not make the proper payments on my mortgage. My insurance coverage has never lapsed, expired or been cancelled due to non-payment. I have been advised by ditech on several occasions that this will be resolved, yet it never has been. I have made dozens of calls requesting escalation and an insurance assessment and am still unable to get this issue resolved. I just want to pay my mortgage. They have received all requested information yet they are determined that I am going to have an escrow account and I am going to have to pay my insurance TWICE every month.
05/23/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NH 03104	Web
I have already lost my home to foreclosure. I had XXXX XXXX XXXX and not only were they very hard to work with, I could never get a correct answer as to why my Mortgage that was at a fixed rate would go up. WHen I did get behind in PAyment back in XXXX. Shortyl after, my mortgage was sold and now I was paying XXXX XXXX XXXX at a much higher Mortgage amount than I was paying before. I was a first time home buyer and started with a first time home buyers program with the State of New Hampshire. We refinanced with Green tree and put on a new roof had the house panted and a few other things we needed. I was with Greentree from XXXX it was sold and then sold again when XXXX XXXX XXXX took over. They were no better. I ended up losing my house. My husband became chronically ill and end up XXXX this past XX/XX/XXXX at the age of XXXX. In the year XXXX I received a letter on a class action suit for green tree that I was part of and I have misplaced that letter. I even forgot about it when my husband of 28 years and together for XXXX at the time had XXXX XXXX and was in and out of the hospital in a XXXX for 14 days and thirty days in the hospital before his death. I believe the class action suit was for when my mortgage payment went up without notice and may have been because I was being charged flood insurance.I tried to find that letter but I believe moving twice in a short span may have contributed to getting lost.. I do not how to go about getting the information on filing with that class action suit. I am not sure if everything is on a time limit and if I am too late. It just seems like I am made to lose. Even social security never approved my husband until he died and with that, after 12 years of trying, he got 7 months of social security after working 22 years for the same comapny.No severance pay no retirement no social security- one of the reasons we became late on our mortgage. If you could please help me in locating the class action suit and see if I am still able to file I would surely appreciate that. I am tired of struggling financially because no one wants to help. If I was due money from that suit I really can use it now. I did the best for a family of five on my income for the past 10 years. No other income from my husband. We were foreclosed on, lost our vehicles and I had to swallow my pride and go to local food banks. I could not get any state help because it goes by the years before taxes. Even if we were no longer making that money. My husband died XXXX. I am sure the stress of losing everything did not help. This class action suit if I and my dead husband are owed I could use the money to bury him.
01/08/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20017	Web
In XX/XX/XXXX, after ten years paying XXXX XXXX account # XXXX, XXXX XXXX sold my mortgage loan services to Green Tree. I pay my mortgages by check mailed from XXXX XXXX 's main XXXX XXXX on XXXX XXXX in XXXX XXXX on the XX/XX/XXXX. The first seven XX/XX/XXXX payments went to GreenTree account # XXXX. The last five XX/XX/XXXX payments went to Ditech account # XXXX. GreenTree 's XX/XX/XXXX updated statement represented a 'principal balance ' of {$47000.00}. I made all $ 2000 monthly payments since XX/XX/XXXX in time through XX/XX/XXXX. Accordingly, Ditech 's XX/XX/XXXX 's statement showed a 'principal balance ' of just over {$24000.00}. XX/XX/XXXX statement 's declining 'principal balance ' reflected just over {$22000.00}. I appeal to CFPB here because Ditech 's subsequent three XX/XX/XXXX monthly statements for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX reflected the same 'principal balance ' amount of just over {$22000.00}. Furthermore, Ditech 's XX/XX/XXXX counts my XX/XX/XXXX payment in a " Total Paid Year to Date '' amount of exactly {$24000.00} or 12 times {$2000.00}. My primary appeal to CFPB believes I have paid off the mortgage for XXXX XXXX XXXX XXXX, XXXX XXXX, although Ditech disagrees. My secondary CFPB appeal here questions first GreenTree 's and now Ditech 's increasing, instead of decreasing, monthly statements ' 'amount due ' amounts. XXXX XXXX 's monthly 'amount due ' amounts annually decreased from $ XXXX in XX/XX/XXXX to $ XXXX in XX/XX/XXXX when GreenTree became my mortgage service provider, decreasing because I always paid {$2000.00} each month on a fixed rate mortgage pegged at 4.875 %. In less than four years GreenTree and Ditech increased the monthly 'amount due ' amount to {$1900.00} due by JXX/XX/XXXX. In XX/XX/XXXX, the year GreenTree became my mortgage service provider, Vermont 's attorney general had GreenTree restore Vermont citizens ' money paid to GreenTree for GreenTree 's fraudulent mortgage services. XXXX 's first Attorney General, XXXX XXXX, first won election in XX/XX/XXXX. GreenTree 's Vermont legal outcome, GreenTree and Ditech 's annually increasing 'amount due ' amounts, my own XX/XX/XXXX $ 22,000+ 'principal balance ', and XX/XX/XXXX statement 's {$24000.00} 'total paid year to date ' amount, all let me wonder if I my mortgage payoff completion passed with XX/XX/XXXX 's pay receipt. If so then Ditech owes me at least {$2000.00} instead of me owing Ditech {$6900.00} more. This CFPB appeal should also inform Ditech of XX/XX/XXXX payment 's possible late arrival if at all. My faith in transparency urges CFPB 's publishing with account numbers and the aforementioned DC address.
11/28/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MA 023XX	Web
I successfully completed a trial XXXX modification program with Ditech from XXXX through XXXX of 2016 ( due to hardship of divorce ). I paid {$1900.00} per month during the trial. In XXXX I received a letter dated XXXX XXXX congratulating me on the completion and letting me know my new monthly payment would be LOWER than the trial -- at {$1400.00} per month! I called immediately to check this and was told it was correct. I logged on in XXXX to pay my XXXX bill and the {$1400.00} was showing. I also received statements showing this amount. For XXXX, XXXX and XXXX I paid the lower amount ( before it was due, in full, electronically ). In XXXX I got a letter saying if I needed help with my payments, I could learn about modification options and that I 've been assigned an account manager ( someone new, not the person who was assigned throughout my trial modification ). I called immediately and was told that I was in arrears by almost {$5000.00} and that I had to come up with a lump sum to get current. Yet, the collections department ( where my " new '' account manager sits ) did acknowledge the letter that came AFTER my modification, they claim my notarized modification paperwork was for the higher amount and that I KNEW I should 've been paying it. I confirmed they had the post-trial letter saying AND BILLING STATEMENTS showing the lower payment amount. I have been calling them repeatedly for the past week or XXXX to get this rectified -- their claiming my former modification manager is no longer there ( or available to me ). They, allegedly, have elevated this but it 's still not resolved. I withheld my XXXX payment as they were saying it would be applied toward XXXX 's mortgage ( remember, I paid XXXX, XXXX and XXXX IN FULL ). The online account showed all that until last week. When I logged on to pay my XXXX bill it had a bunch " reallocations '' and showed I 'm in arrears. I 'm also not allowed to make any electronic payments. I am concerned that the company is going to cause trouble for me here and am thinking it may be wise to retain counsel to help ( although I 'm broke, after going through divorce, I can ill afford to get XXXX by Ditech ). Also, Ditech sent someone to my home who took pictures and left a notice on my door -- this was on XXXX XXXX. They never alerted me, the person did n't announce his presence and the form he left on my door saying to call Ditech had no contact name or extension. Not only that, it caused my XXXX XXXX XXXX son some XXXX and XXXX - -he did n't know if this was someone looking to break in or what was going on. I am sickened by this situation and need some help, please?
07/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 544XX	Web	Servicemember
I have a mortgage that was transferred to Greentree Servicing. Since the loan was transferred, the service is rude. Recently, my husband was off work due to a XXXX and we were late in making our payment. We advised Greentree that the payment would not be made until the XXXX of the month, when we would have another paycheck. They continued to call 3-4 times a day and also at my place of employment. I questioned this and told them that I had previously requsted that no calls be made to me at my place of employment. They indicated that the account was noted and they had called in error. In the past 3 weeks I have received over XXXX calls from Greentree at my place of employment by the same individual that indicated that my account was noted for no more calls. I had even gone so far as requesting that the phone number be removed from their system, yet they continue to call. My 2nd issue is that their billing statements do not list what the monthly payment is. We recently had an escrow change, and I paid that amount and the payment say in unapplied and was not credited to a payment. The analysis indicated my payment was {$1200.00} yet when I paid {$1200.00}, the payment again sat in unapplied and did not post to my account. Yet they continue to call me day and night AND at my place of employment. No where on the billing statement does it give a breakdown of what is due ;. Since the last notification I recvd for a payment change was the Analysis in XXXX, I have paid that amount yet, the payment still sits in unapplied. They refuse to indicate what the past due payment represents. Since the loan transferred to GT about 2 years ago, we were only late this one time XXXX XX/XX/XXXX 2016 ) and now the XXXX payment is sitting in undisbursed. They have an obligation to explain the amount due, which they do not. I want action taken against them for continuing to harass me at work multiple times a day when it is very clear that they have my request to not receive calls at work. Since my loan transferred, I have also been charged a late charge, when per my contract, I should have been. It indicates a late charge would be assessed on the unpaid principal and interest portion of my payment. I made the principal and interest prior to the end of my XXXX day grace period, yet they still charged me a late charge, because my escrow portion of the payment had not been paid ( I paid that the following week ). They are impossible to work with and do not answer questions when asked and frustrate me to the point where I ca n't take their calls. I have no intention of defaulting on my loan but they continue to treat me rudely and threaten me.
05/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 074XX	Web	Older American
In XXXX XXXX I contacted the Consumer Financial Protection bureau concerning the problems I had experienced trying to qualify for the HARP program thur GreenTree my mortgage servicer. ( exhibit XXXX & XXXX ) For over 6 months I provided all the paperwork requested in order to modify my XXXX loan. I was denied because I could not prove a hardship ( exhibit XXXX ) and was instructed to try again where I supplied a hardship letter on XXXX XXXX, XXXX ( exhibit XXXX ). On XXXX XXXX GreeTree pulled my credit ( exhibit XXXX ), and was then denied because I had a perfect payment history on my mortgage with them and to qualify for HAMP you need to be delinquent on your mortgage ( exhibit XXXX ). I knew I was not dealing with brain surgeons but since GreenTree was/is the servicer of my loan and had the mortgage history they would see that there were no late payments. Why would you waste over 6 months of paperwork, phone calls not to mention playing with people 's finances and emotions when they KNEW I did not qualify? They then suggested the HAPR program but the rate and fees they quoted were higher than I felt they should be. I entered into a HAPR application with Prospect Mortgage, XXXX XXXX, ( XXXX ) and was hopeful that I would be able to finally reduce my rate and be done with GreeTree. To my surprise and disappointment GreenTree who denied me a HAMP modification because I had a perfect payment history was now reporting that I was 30 days late in XXXX, XXXX ( exhibit XXXX ). When I became aware of this I immediately contacted GreenTree and they said that I had no late payments and proved me a credit reference Inquiry on XXXX XXXX, XXXX ( exhibitXXXX ). I also requested a balance be reported and was sent response dated XXXX XXXX, XXXX ( exhibit XXXX ). My attorney prepared a response ( exhibit XXXX ) but per letter XXXX XXXX, XXXX ( exhibit XXXX ) GreenTree refuses to report said balance. However, GreenTree had no problem to continue to report false information ( lates ) on credit report dated XXXX XXXX, XXXX ( exhibit XXXX ) which is 6 weeks after they provided me information matching my records that there has never been a late mortgage payment. Over the next 5 months GreenTree provided XXXX documents confirming NO late payments ( exhibit XXXX ) yet on XXXX XXXX, XXXX GreenTree reported that I was delinquent in XXXX XXXX ( exhibit XXXX ) and the same false information was reported on XXXX XXXX, XXXX ( exhibit XXXX ). GreenTree 's deliberate negligent actions are preventing me from refinancing a XXXX loan at 6.125 % rate to a much lower prevailing rate which would enable me to continue to live in my home without worry.
01/08/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07060	Web	Servicemember
My mortgage company Ditech has denied me access to government homeowner assistance programs that could help me save my home and have scheduled a foreclosure sale date for XXXX XXXX, XXXX. I started a new job as a XXXX XXXX with the state of New Jersey a year ago and have been trying to get Ditech to consider me for homeowner assistance options due to a prior delinquency. I was told by their agent over the phone that I qualified. Then I sent in my paperwork and it is repeatedly lost or misplaced and I am transferred from department to department and the assigned account manager keeps getting changed. It has been close to a year and Ditech has failed to actually conduct a review of my current and correct financial information. Instead they have scheduled a foreclosure sale date even though they did not offer me mediation as required by the state of New Jersey. It is obvious that Ditech believes the rules do not apply to them. I proudly served in the XXXX XXXX for 21 years and have owned my home in XXXX for 20 years. Once out of the military I worked as a XXXX XXXX XXXX for several years. My hours were cut and I was struggling financially and applied for and was approved for a loan modification. I began making the trial payments on the modification and then got laid off. I scrambled to make my payments but ended up defaulting on the modification. I then went through a rough period where I could not find full time workI collected XXXX and worked part time for XXXX XXXX and I fell further behind on my mortgage. About one year ago I was hired by the state of New Jersey as a XXXX XXXX. I began reaching out to Ditech right after I started, because I was back in a position where I could afford a fair and reasonable mortgage payment. I contacted their office to try and get a review opened of my financial information so that I can fix the delinquent payments, but have been met by obstacles and roadblocks. I was initially told that based on my financial information that I qualified for a modification but then I would send in the paperwork and Ditech would go dark. As mentioned I have been given the runaround by their agents, who transfer me from department to department, lose my paperwork and they constantly reassign account managers. I have never been able to get reviewed. I occupy my home with my wife and son and grandson. I fell on hard times due to job loss but have gotten everything back on track and just need Ditech to work with me so that I can save my home. I dont know what I would do if I lost my home. I am not able to reinstate the loan, I need Ditech to stop this sale date and work with me towards a solution.
08/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44139	Web
XX/XX/XXXX single family home with one deed and two parcels. sold vacant parcel to private entity through Ditech 's " partial release of lien '' department. Sale closed. XX/XX/XXXX ditech escrow dept pays tax payment for vacant parcel XX/XX/XXXX Ditech pays additional {$330.00} on vacant parcel, ( one year in arrear ) XX/XX/XXXX Ditech pays XXXX County {$4600.00} for neighbor 's ( no longer vacant lot ) house and property. Mortgagee advises lender of error in XX/XX/XXXX. XX/XX/XXXX Mortgagee receives XX/XX/XXXX escrow analysis with repeated error, showing ditech intends to make two payments to county for each parcel, and advises lender escrow analysis is wrong. She is told they are re-running the analysis. XX/XX/XXXX Mortgagee receives bill for roughly {$6000.00} for escrow shortage and calls lender. Asks for supervisor. tells the details of which parcel is owned jointly by ditech mortgagee and which parcel was sold. Is told they will investigate. XX/XX/XXXX Mortgagee receives check for {$4.00} from ditech with no explanation. Mortgagee is told escrow is correct and she owes {$9200.00} ( escrow for one year is roughly {$4500.00} : current tax bill is {$1700.00} for half the year and {$810.00} of hazard insurance ) The explanation is {$480.00} is scheduled to change.. {$1900.00} 12 months = {$770.00} Monthly Escrow. XX/XX/XXXX mortgagee calls lender to advise of resolution or legal action after she recieves foreclosure " pre '' letter. She is told by advisor that the county has told Ditech that the refunded to money to the homeowner, but I received no check. XX/XX/XXXX mortgagee calls County to find out to whom check was issued. County insists no refund has been given nor has been requested. Mortgagee calls Ditech to give them direct line to county assessors, name of employee and email address to expedite refund request. Mortgagee asks for phone number and address of legal dept for corporate office. Is given a fax number. when she calls back to get correct phone, is told they dont have a phone number. XX/XX/XXXX mortgagee requests cancellation of escrow account, by email, and receives two emails from escrow agent XXXX XXXX that he needs the correct loan number. He is given two emails with a pasted loan account from ditech 's website. XX/XX/XXXX Mortgagee calls lender to request to speak to escrow. is told they dont have a phone number. Is told by supervisor Luwanee that ditech has requested a refund for the last two payments made on the parcel that was sold. I believe that they have made another error, because the tax bill is paid for one year in arrear, and they owed a payment through XX/XX/XXXX.
04/12/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Old information reappears or never goes away	GA 316XX	Web
My ex husband and myself had a mobile home ( Home Mortgage ) with XXXX XXXX back in XX/XX/XXXX. I went through a horrible divorce as my husband was using drugs and failing to pay the bills which led to my having to divorce him. The Mortgage was in both of our names. We only had the Mortgage for one year and they got the trailer bc of being unable to pay debt. I was not working at the time as I had just given birth to my first child in XX/XX/XXXX ( she is now XXXX of age ) as this happened years ago. Now after 21 years, XXXX XXXX XXXX XXXX filled a XXXX XXXX to the IRS and the IRS alerted me which caused me an adverse affect on my IRS taxes. I received a l letter from the IRS XX/XX/XXXX which stated that due to DITECH Mortgage sending a XXXX with taxable income of {$17000.00}, this could cause me to have to owe the IRS {$2900.00}. IRS Told me to contact DITECH Financial to dispute this and request that DITECH Mortgage rescind the XXXX in order ( so it is not XXXX, XXXX taxable income ). I contacted DITECH at XXXX spoke with a " XXXX '' and I TOLD HER THAT I did not want to be recorded but she did it anyways. I told her that I never settled on an amount of XXXX XXXX of a debt from a mortgage that I had back in XX/XX/XXXX with DITECH nor did I ever receive a XXXX from them. I asked them to rescind the XXXX ( taxable income of {$17000.00} ) as this is a debt from " 20 Years ago '' in which I should not be taxed for taxable income of XXXX, XXXX on a debt from 20 years ago. However, XXXX refused to rescind ( reverse ) the XXXX. NOTE, I have suffered with my credit from this debt for over ten years and it was removed from my debt bc it has been over the 7 to 10 year period that the debt is lawfully removed from my credit. They can't go back 20 years later AND IN XX/XX/XXXX send the IRS and myself a XXXX form to tax me {$17000.00} for a debt from over 20 years ago that WAS charged off my credit report back in the year XX/XX/XXXX!!! this is very unfair and not allowed. ALSO< I disputing the fact that they kept putting this on and off my credit for over 20 years now and it has negatively affected my credit for way over the 7 year period. POINT BEING< IF THEY HAD PLANS OF TAXING ME AT {$17000.00} then they should have taxed me 20 yrs ago ( BEFORE THE 7 TO 10 YEAR PERIOD PASSED WHICH IS NOW WAY OVER ). If they were going to send a XXXX taxable income, they should have done this YEARS AGO NOT IN XX/XX/XXXX. I AM REQUESTING A COMPLAINT SUBMITTED AS THEY HAVE UNFAIRLY AFFECTED MY CREDIT PAST THE 20 YEAR PERIOD AND IT IS VIOLATING MY RIGHTS TO BE TAXED FOR SOMETHING IN XX/XX/XXXX ON A DEBT FROM THE YEAR XX/XX/XXXX
12/28/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IN 471XX	Web
My mother and father owned their home for 37 years in XXXX they took out a loan on there home with green tree XXXX company. My father XXXX XXXX in XXXX. My mother XXXX XXXX in XXXX. I then went to court for a quick claim deed to the property. I was granted the deed at My exspence. I Informed greentree of all changed being made and ask them what I could do to take over the mortgage and was told simply pay the payments. I turned in my insurance information that proved i was the name on the insurance not my parents and both XXXX XXXX XXXX as well as all the court documents promptly. They excepted the paper work but still did n't let me take over the laon. A year later they switched from green tree to ditech. That 's were my troubles bega n. They refused my insurance. I had to dispute them in addition my insurance agency has to make contact with them to dispute there action since I had the quick claim deed. After that was settled i was told to only make payments threw there speedway method as the only way to avoid late fees. They would hold my payment as a partial payment and not apply it to my account causing me late fee s after I had already payed for there speedway method. My payments would be applied to other things than my account causing me to have to send more money to complete the partial payment they had takin money out of. I would do one time payment options and Ditech would set up unauthorized payments without my knowledge this action caused my bank account to overdraft XXXX dollars and be closed in XXXX XXXX. I would send them my payment and receive my confirmation number to later find out they did n't take the money out of my account and that caused my account to default my loan. I sent 3x the amount i would have payed of they would not have refused my payment in the first place. My phone records prove they call me 10 x a or more a day from XXXX in the morning till XXXX at night. The line will be dead when I answer it. I have contacted them multiple times in hopes of help saving my home. They tell me to pay up the full mortgage amount or get out. I am currently awaiting my forcloser court date. In XX/XX/XXXX i found out Ditec h was failing to pay property taxes on my property That escrowed in my mortgage i was two years four instalment behind. They did not want to pay it but had no choice or the state was going to take possesion, I payed Ditech and they failed once again on there end. I have tried to refinance the loan and no agency will help me because it is a fema loan. Please help me save my family home. This situation caused because of Ditechs fault and negligence. My parents XXXX in this house.
01/03/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 074XX	Web
I 'm in default on my mortgage since XXXX. XXXX commenced foreclosure action on behalf the Note/mortgage holder but did not produce the necessary documents to get final judgment to foreclose. Prior to foreclosure hearing in XXXX XXXX bank lawyers falsified mortgage assignment using former XXXX employees acting as XXXX vice presidents, filled another foreclosure complaint on my house under different Docket number ( dual foreclosure in another court, different town, different judge ) and had only copies of the Note and Mortgage. The servicer had no standing in court and had no authority to sue on behalf of the true owner of the mortgage documents. This fraud did n't work and judge ordered to bring all original documents the Promissory Note in particular in 7 days after the hearing or the case will be transferred to Foreclosure unit Supreme court in XXXX NJ where it was dismissed in XXXX for lack of prosecution. During this process I wanted to know who the owner of my loan is since the servicer did n't want to modify. The servicer, XXXX refused to identified to Note holder but few months later another law firm affiliated to XXXX told me its XXXX who has the loan. XXXX sold their servicing rights to Green Tree servicing LLC in XXXX XXXX and for unknown reason placed to payments to my mortgage in XXXX and XXXX XXXX which I discovered recently from my credit reporting agency. Green Tree merged with Ditech Financial. Another Foreclosure complaint was filled in XXXX XXXX and I filed motion to dismiss the case because the statue of limitation 6 years from the default and mortgage acceleration has passed at the time of complaint. The plaintiff and judge scheduled motion hearing and did n't invite me. I discover this misconduct and adjourned the secretly scheduled hearing to later date. I was called for another hearing less then 48 hours on my cell phone to come to the court and I was asked to call the plaintiffs attorney to show up as well. I refused and the court clerk call them! The judge denied my motion to dismiss the case stating there was no evidence of pre-foreclosure sale and no mortgage acceleration to make the previous foreclosure valid complaint. I have all evidence that the judge committed fraud upon the court and I need the CFPB to help me. Ditech states that they own the mortgage and the note but show no prove in court, therefore no standing in court. Ditech assured me that different rules applies to them to foreclosed.This is a great case of conspiracy, Robo-signing, Respa violation, several counts of fraud and due process violation. It 's complicated so please help! I have evidence for all accusation.
11/10/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	KY 403XX	Web
( 1 ) I have filed XXXX PREVIOUS complaints against GREENTREE Servicing : XXXX were in XXXX XXXX & XXXX were in XXXX for their harassing collections, lies and fraudulent practices ( 2 ) To this day they continue to fail to honor every agreement - both oral & written ( 3 ) I first began the XXXX Deed-in-Lieu program in XXXX XXXX - but had to restart it XXXX TIMES because they kept losing the paperwork, accused me of " withdrawing '' & then REFUSED to return my calls ( 4 ) At XXXX time I had XXXX different Greentree Departments/Reps calling me telling me different things - including COLLECTIONS!! ( 5 ) Finally, after PROVING with my RECORDS & TRACKING NUMBERS that THEY were the ones in the WRONG I completed MY end of the paperwork on XXXX XXXX, XXXX - I had to go thru the appraisals, lease agreement & meeting with the property management company XXXX TIMES ( 6 ) THEN I was contacted by a XXXX. & told I needed to vacate the property by XXXX XXXX ( 7 ) Greentree had told me from the beginning & ALL of the paperwork states that the 90 day lease period I was entitled to per the program rules, would NOT BEGIN UNTIL GREENTREE SIGNED THE PAPERWORK & FILED IT WITH XXXX XXXX CLERK to TRANSFER THE DEED ( after all, how can one 'lease ' property that is still legally hers? ) ( 8 ) ALSO : both ORALLY & in the WRITTEN AGREEMENT Greentree stated I would receive the {$3000.00} ReLocation Assistance AT THE TIME I VACATED PROPERTY ( 9 ) I have been out of the property since the deadline THEY GAVE ME, however, I just found out they did NOT sign and/or file the deed transfer with the XXXX clerk until XXXX XXXX! and I STILL HAVE NOT RECEIVED THE {$3000.00}!!!!!!!!!!!!!!!! ( 10 ) I have had to put all of my things in storage, I am displaced because I do not have that relocation assistance AND NOW I will have to move it TWICE. ( 11 ) I have done EVERYTHING they ever told me to do! I have answered EVERY PHONE CALL! I have followed up with them when I did n't hear from them in the allotted time frame! For example, in XXXX, when everything was supposed to be finalizing & I was trying to stay on top of it because of the previous XXXX TIMES, I tried calling both my Greentree Rep " XXXX '' and her supervisor (? - have it in my notes which are in storage ) TWENTY-ONE TIMES in less than two weeks - they NEVER CALLED ME BACK. EVER. To this day. ( 12 ) Essentially, the bottom line is : I was forced to leave my property XXXX MONTHS EARLY and I STILL HAVE NOT RECEIVED the relocation funds - which is already eaten up - I have NO RELOCATION FUNDS. ( 13 ) This company is a DISGRACE. It is horrible & demeaning. They are PROVEN LIARS and FRAUDS.
10/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 078XX	Web
We refinanced our home in XXXX of 2015. We took the mortgage out and Ditech Financial LLC turned out to be the loan servicing company ( Originally it was Green Tree but they were bought by Ditech XXXX. Our loan paperwork says our mortgage is set up to put taxes into an escrow account and the money is included with our payment each month. On XXXX XXXX, I called ditech regarding my taxes not being paid. The person I spoke with said my account was not set up for tax payments. I told him I have a copy of my mortgage saying I should be. He said he would submit a " Research Request '' and that it would take 14 business days. I called back on XXXX XXXX around XXXX and was informed it had not been the full 14 business days and I should call back tomorrow - even though there were only a few short hours until the end of their business days. I called back on XXXX XXXX and spoke with XXXX in the tax department. She indicated there was n't anything in the notes regarding the results of the research request. I told her this was unacceptable, as it 's been two full weeks and my taxes are still not paid. I waited on hold for close to an hour, hoping to speak with a supervisor. Apparently there was n't a supervisor available. XXXX said she spoke with someone from Customer Service regarding my account and that they indicated my account was not set up for tax escrow. XXXX told me she would submit an " Escalation Request '' for me but that escalations can take up to 3 business days. She told me a supervisor would be calling me back within the three business days. I never received a phone call, so on the fourth business day XXXX XXXX XXXX ) I called back and spoke with XXXX again. After waiting on hold for more than 30 minutes for a supervisor, one could not be found for me to speak to. XXXX then completed a XXXX way conference call between her, XXXX the customer service representative and me. XXXX also confirmed my account is not set up to escrow taxes. XXXX provided me with the following directions : Fax a copy of the pages of my mortgage where it states my taxes should be paid via escrow to both customer service and the tax departmentProvide a cover letter giving my name, account #, Block and lot numbers, an explanation that my taxes are not listed on the escrow line and the request to have my taxes paid. I sent the cover letter and requested information to XXXX fax numbers on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. XXXX indicated it could take up to 5 business days to correct the issue. I will call back on XXXX XXXX. After daily calls to Ditech Financial LLC the issue is still not resolved.
11/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92260	Web	Older American
My servicer Ditech Mortgage put an impound account for property taxes on XX/XX/2016. I was behind in my taxes and i know that this is my responsibility. I made the XX/XX/XXXX payment as per my statement of {$1600.00} and added {$100.00} for the escrow account. XX/XX/2016 I leased a vehicle and discovered that there was a ( 30 ) day late payment on my credit report. I called Ditech and they insisted that the new payment of {$2300.00} was instituted with the XX/XX/XXXX payment, therefore creating a late payment, even though I paid the payment due for {$1600.00} as per the statement. I send letters to them the first time and they insisted that I was wrong. I tried a second time on XXXX to resolve this issue. I was told to make the payment for the XX/XX/XXXX due date, and add the {$690.00} that was not paid in XX/XX/XXXX and they would process the paper work to remove the late payment. I sent a check for {$3000.00} that cleared by bank on XXXX XXXX. When I went to make my payment for XX/XX/XXXX I discovered that Ditech put all of the {$3000.00} towards the escrow account and nothing for the principle and interest payment thus creating another late payment due for XXXX XXXX payment. DiTech has kept the XX/XX/XXXX payment in suspense and has not applied the payment to principle and interest. I find this to be deceitful and possibly illegal. The issues are the XX/XX/XXXX payment that is being held in suspense and the XXXX XXXX payment that was applied in full to the escrow account. I am attaching my communications with them and my cancelled checks and the communications that i have had with them. All payments from XX/XX/XXXX thru the XX/XX/XXXX payments were made on time before the XXXX of each month. not to mention that Ditech has been sending duplicate invoices monthly with conflicting information : I am attaching the XXXX invoices for the XX/XX/XXXX payment dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Note : Even though all of the statements show past due, all payments were made before the XXXX of each month Written responses from Ditech indicated that I would be assigned a representative, However when you call them, you can not get to talk to the person assigned and have to talk to a different person each time. It is important to note that Ditech admits that they had a computer glitch and that was the reason for the mandatory escrow account did not show sooner. Copies of this communication attached including the escrow account history shoiwng the XX/XX/XXXX payment credited to the escrow account and not the principle and interest. Your help with this matter is appreciated. Sincerely, XXXX XXXX XXXX
08/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 206XX	Web
In 2015 we completed a value dispute with an appraisal that at that time came in at {$330000.00} with the property in its condition at that time. In XXXX of 2015 we were approved for a price of {$340000.00} and were prepared to go to closing when the title company discovered an erroneously recorded DOT by XXXX that had been cancelled during the 3 day cancellation period, but recorded by someone in that organization before they went out of business. For months we tried to obtain a release for that DOT to no avail as none of the lenders who took over XXXX loans could find this loan as it never existed. The XXXX went through the time and expense of filing a quiet title action to remove the erroneously recorded Deed of Trust so that they could get back to where they were and complete the short sale that had been approved. Ditech themselves had a title issue and could not pursue foreclosure with the XXXX DOT on title as that loan was in first position and would have needed to be released for Ditech to sell the property to a third party owner either at auction or as an REO property. The XXXX spent over {$6000.00} clearing Title so that they could sell this property as a short sale all to avoid a foreclosure. The bank coming back with unrealistic values that are not supported by current sales for similar properties and not giving us the information that they relied on to reach their value does not allow for a full evaluation under loss mitigation requirements. We have documented that the appraised value is {$340000.00}. We have an able and willing buyer who can close in 30 days with an approval and we have cleared title to be able to complete this transaction. There needs to be some fiduciary duty on the servicer or investor for this loan to avoid additional losses and expenses that will be incurred by a foreclosure. Statistics show that in Maryland XXXX properties sell for 37 % less than non-distressed properties. Our current offer is more than 90 % of what the bank thinks this property is worth and is 100 % of what an independent appraiser determined this property is worth. This property has been marketed several times over the last year and the current offer represents what the market is willing to pay for this house based on all the information that is available about homes within a XXXX mile radius in the same XXXX, in the same school district, same tax structure, etc. You can not go outside of this community to take comps for homes that are districted for other schools or have less congested roadways nearby, etc. We have submitted another appeal and we will continue to push this with Ditech
08/02/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	OK 73099	Web
I asked for a pay-off figure for my mortgage in XX/XX/XXXX from Ditech Financial. They quoted me {$3200.00} which was good until XX/XX/XXXX. I wired them the {$3200.00} on XX/XX/XXXX to pay off my loan. At that time records showed I had {$1100.00} in my escrow account. Before paying off my loan my account had been set on auto withdrawal each month. After receiving my bank statement in XX/XX/XXXX, I discovered they had withdrawn {$960.00} from my account on XX/XX/XXXX even though my loan was already paid off. I contacted them XX/XX/XXXX and pointed this out to them and they told me they had failed to flag my account as paid off and closed, so the auto withdrawal went through in XX/XX/XXXX. They told me they would do an auto deposit to fix the error and it would take approximately 5 business days, but that never happened. I called them back towards the end of XX/XX/XXXX and then they told me they would refund the amount they erroneously withdrew when they sent my escrow check which I should receive within 3 months from the paid off date. I protested this and said I should not have to wait for money they withdrew from my account in error, but they said they had 3 months to return any money they owed me. I then got a check # XXXX for XXXX in XX/XX/XXXX, but it did not include the amount they had erroneously withdrawn, but simply the escrow I had at the time I paid off my loan. I called them back and was told they would check into it. I called back several more times from XX/XX/XXXX through XX/XX/XXXX, but every time I was told something different. First they said they had given me an auto deposit on XX/XX/XXXX when I first called about their mistake, but I told them this never happened, then I was told they had requested the deposit, but it never went through and they would have a person in accounting contact me, but nobody contacted me. Then I was told they had sent me a check in XX/XX/XXXX, but I explained this was only an escrow check and did not include the amount of the XXXX they erroneously took out of my account in XX/XX/XXXX. I have been trying for 5 months to get the money back they withdrew from my bank account AFTER I paid off my loan, but to no avail. I have run a trace with my bank and they have definitely not auto deposited this money back into my account as they said and the only check I got was the XXXX from my escrow. I have an over 3,000.00 homeowners insurance payment coming up next month and I need the {$960.00} back before then. This whole thing has been ridiculous, I never had a problem with this company until AFTER I paid off my loan!!! Any help would be greatly appreciated.
06/28/2016	Yes	Other financial service Debt settlement	Fraud or scam	CA 95776	Web	Older American, Servicemember
XXXX XXXX 2016 Consumer Finance Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX XXXX : Case # XXXX, and XXXX To Whom It Will Concern : I am a homeowner who had repeatedly appealed to your office regarding the intentional bad-faith and fiscal malevolence enacted upon me by Green Tree Servicing/DITECH ( GTS ), as well as XXXX XXXX XXXX who sold my home 's mortgage to Green Tree while telling me my hardship-driven XXXX loan modification application was continuing being processed ( as I had been told repeatedly for the preceding approximately 18 months prior to the note-holding sale to GTS ). As I had reported to you in extensive detail, GTS had been decimating my credit with bogus allegations of missed payments, and harassing me with an incessant barrage of phone calls ( including Sunday evenings ) harassing and threatening me to submit to signing an asinine, " so-called loan modification '' proposal they had offered in a complete bait and switch to the original modification I had XXXX initially underway with XXXX XXXX XXXX, and then subsequently that I had submitted to GTS when they flat-out refused to recognize the original modification with XXXX and insisted that I re-submit my request with them. After a couple of years of this incredibly enervating hardship causing damaging physical and emotional stress, coupled with my finances being eviscerated by GTS 's mysterious mishandling or theft of my submitted mortgage payments, I was finally able to extract myself from this XXXX and get my home loan refinanced by XXXX XXXX XXXX XXXX XXXX last winter. However, I recently read that CFPB had dutifully enacted penalties to GTS/DITECCHXXXX pursuant to their collectively abusive " lending practices '', and whereupon compensation payments were supposed to be awarded to impacted homeowners such as me. I have only just learned of this today. I have NOT received either notice of or any payments of restitution whatsoever, and am writing to inquire XXXX of that decision 's status, and to inquire how I as a genuinely impacted citizen and homeowner ( and, XXXX XXXX veteran ) can receive compensation for the XXXX that these lending companies pulled and for too long, got away with. My credit, my personal standard of living and my health continue to have deeply detrimental consequences from this living nightmare. Writing once again, appealing for your assistance in my quest for justice ( restitution ) pursuant to the misdeeds I endured from these lenders ; I humbly ( but with apprehension and continuing anxiety ) await your response. Thank you in advance for your time and assistance. Respectfully
02/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX XXXXX	Web
I purchased a mobile home in XXXX. Made every payment, never late, and in XXXX paid it off. Green Tree claimed I owed for insurance they had placed on the home previously. I kept homeowners insurance on the property the entire time, for the value of the home as per the contract. Green Tree said I had to have insurance to cover the loan amount, but the contract did not say that. I refused to pay, and later that year they repossessed the home. I contacted Green Tree and requested to know how much they sold the home for, and they refused to provide any information. This was the last contact I had with Green Tree. In XXXX, I found out Green Tree had contacted my father. In XXXX I was XXXX XXXX XXXX with limited credit, so my father co-signed for the note. My father had his own loan with Green Tree, and I found out they contacted my father demanding payment of {$1500.00}. or they would call his current note due. My father paid {$1500.00}. to settle the claim without my knowledge. On XXXX XXXX, XXXX I received a XXXX from Green Tree, now doing business as DITECH Financial, claiming they discharged {$5700.00} of debt I owed. I contacted them at the number listed on the form. The automated system requested my account number, so I provided the one on the XXXX. It said the number does not match any acct. It then asked for my SS #, which I provided. It said No Acct exist for this number. Finally I spoke with a representative. She could not provide any information other than to say I must have owed money sometime a long time ago on a mobile home. I claimed I owed nothing a and requested that she verify the debt, and she said those records do n't exist any more. I told her that was n't acceptable, that I did not owe anything to Green Tree, and unless she can provide me proof I wanted this XXXX corrected. She told me I must have owed money from a long time ago, and they decided to write it off on XXXX, so she refused to do anything. Once again I requested some proof I owed Green Tree anything, to which I was told the account and those records do n't exist anymore. How can a company, without proof or documentation randomly place an XXXX burden on me with a XXXX for any amount they make up? I 'm guessing Green Tree does this, and then claims the deduction on their Federal Taxes, so would n't this be Tax Fraud? Even though they have n't tried collecting this amount from me, by filing the XXXX they have placed the debt on me unfairly, causing me to now owe the XXXX portion of this undocumented debt. I think Green Tree is guilty of criminal activity, and ask that a formal investigation be undertaken.
04/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91351	Web
CommentDEAR SIRS, I APPLIED FOR A " HARP '' LOAN THROUGH GREEN TREE LENDING IN XXXX XXXX. THE LOAN " MODIFICATION '' WAS APPROVED ON XXXX XXXX, XXXX. WE WERE NOTIFIED BY GREEN TREE ( GT ) THAT A TRIAL PAYMENT PLAN WOULD COMMENCE FIRST AND THEN OUR LOAN DOCUMENTS WOULD BE SENT TO US VIA CERTIFIED MAIL. 3 MONTHS LATER ON XXXX XXXX, XXXX WE BEGAN THE XXXX " TRIAL '' PAYMENTS WHICH WERE IN THE AMOUNT OF APPROX {$470.00}. THOSE PAYMENTS WERE MADE WITHOUT ISSUE. WE THEN RECEIVED THE LOAN DOCUMENTS ON XXXX XXXX. THE LOAN DOCUMENTS LISTED OUR REPAYMENT PLAN AT $ XXXX/MONTH. I DO NOT KNOW HOW OR WHY THIS BIZARRE AMOUNT WAS CHOSEN SINCE THE LOAN WAS FOR {$22000.00} APPROX. ON A XXXX MORTGAGE. SO THIS WAS A 40 YR LOAN. WHICH I HAD NEVER HERD OF IN HOME LOANS. WE SIGNED THE LOAN AND STARTED TO MAKE PAYMENTS REGULARLY EVERY BEGINNING OF THE MONTH ON TIME. THEN THREE MONTHS LATER IN XXXX XXXX I RECEIVED A TELEPHONE CALL STATING I WAS DELINQUENT IN A PAYMENTS. I SAID HOW CAN THIS BE WE " JUST '' STARTED THE NEW LOAN! THE PERSON ON THE OTHER END DID NOT KNOW ANY DETAILS OTHER THAN WE WERE {$1200.00} BEHIND ALREADY. I PROMPTLY WROTE GREEN TREE A LETTER TO EXPLAIN THIS ( XXXX OF XXXX LETTERS ). GREEN TREE FINALLY REPLIED ON XXXX XXXX, XXXX. IN THE MEANTIME I HAD WRITTEN GREEN TREE EVERY MONTH A COMPREHENSIVE BUSINESS LETTER FOR THEM TO OUTLINE OUR PAYMENTS/PAYMENT PLAN/HOW MUCH WE FINANCED/WHAT INTEREST RATE/AND COULD WE WE RECEIVE A WRITTEN NOTICE OF OUR MONTHLY DUE IN A PAYMENT COUPON BOOK. NONE OF THAT INFORMATION HAS EVER BEEN SENT TO US! TO THIS DATE ALL I HAVE RECEIVED IS NONE OF THE PERTINENT DATA REQUIRED BY LAW ON MY LOAN. ALSO GREEN TREE REFUSES TO ACT IN GOOD FAITH AS A RESPONSIBLE LENDER TO PROVIDE ANYTHING BUT MONTHLY ANNOYING PHONE CALLS THAT ASK ME WHETHER I AM GOING TO LIVE IN MY HOME, WHAT IS MY NAME, MY ADDRESS, HOW LONG HAVE I LIVED THERE? EVERY MONTH! NON STOP ALL THE TIME. I HAVE FINANCED XXXX HOMES BEFORE AND HAVE NEVER GONE THROUGH WHAT GREEN TREE DOES WHICH IS TELEPHONE BADGERING ASKING RHETORICAL QUESTIONS THAT HAVE NO VALID REASON EXCEPT TO INCITE A PERSON 'S TOLERANCE. I EVEN HAD TO HIRE A THIRD PARTY TO FORCE GREEN TREE TO REFINANCE THE LOAN AND PAY THIS THIRD PARTY {$3600.00}! AT THE TIME I HAD LESS THAN A YEAR ON THE LOAN A BIWEEKLY PAYMENT PLAN. I WAS A XXXX WITH XXXX AND BECAME XXXX AND CALLED GREEN TREE TO TELL THEM COULD I MODIFY MY LOAN? THEY SAID NO THAT THE LOAN WAS TO MATURE OR DUE. THIS IS THE WORST COMPANY EVER. THE WORK ON FEAR AND BY BADGERING THE CUSTOMER FOR MONIES. YET THERE IS NO ACCOUNTABILITY FOR THEIR TOTAL LACK OF PUBLIC TRUST AS A LENDER. PLEASE HELP ME
05/14/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ XXXXX	Web
I originally filed a complaint on XX/XX/XXXX, Complaint Number XXXX and Ditech did not answer the questions asked nor did they provide the correct documents ( which I will attach in this complaint ). The escrow account is still short over {$3000.00}. I am attaching documents that outline the following : 1. The tax payments were taken from my OLD LOAN in XX/XX/XXXX., XX/XX/XXXX., and XX/XX/XXXX, before the closing ( document that was attached to the surplus check we received ) 2. The 2nd and 4th pages of the closing document ( information was blacked out in the letter received from Ditech regarding this complaint ) where {$3100.00} was put in escrow at closing and then taken out of the new account two weeks later. No one notified us from the mortgage company that our NEW loan started out with XXXX in our account. 3. Attached are 3 XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX there were property taxes paid from the OLD ACCOUNT - Loan # XXXX, in the amount of {$2000.00}, which is the amount that we have been missing in both XX/XX/XXXX and XX/XX/XXXXto have the XXXX XXXX correctly reflecting the taxes paid for that year. If you look at all the documentation there were 3 payments made to the tax assessor in the first quarter of XX/XX/XXXX. One from the old account and 2 from the new one. 4. In the letter from XXXX XXXX, Customer Care Mgr. from Ditech, on the first page she states " The Tax Detail also shows that due to the duplicate payment, you paid {$11000.00} in taxes in XX/XX/XXXX, but due to the credit of {$2000.00}, only {$7200.00} in taxes in XX/XX/XXXX. '' This is incorrect since there is no documentation showing we paid {$11000.00} in taxes in XX/XX/XXXX. See attachments for XX/XX/XXXX where there are two XXXX XXXX. One tax payment from the old loan and one from the new loan. 5. The escrow refund check sent to us was SURPLUS from the OLD ACCOUNT. The amounts are not the same from the old account vs. the new one that was set up. We were told at closing that the closing costs INCLUDED the {$3100.00} that is detailed on the closing document on Page 2 ( Attached ). 6. We have repeatedly asked over and over if the surplus check was supposed to be in the new account and Ditech " made a mistake '' then where exactly did all the money go that we paid at closing and can we have an itemized list of costs that total {$8000.00} ( which includes the {$3100.00} escrow amount ). Also, the amount of the surplus check and the escrow amount originally put in the new account are not the same. Please have DItech look at this case again and resolve our escrow and tax issues. Thanks!
05/22/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VA XXXXX	Web	Older American
We have mortgage with Ditech Financial LLC.We got transferred from XXXX XXXX to Green Tree Servicing LLC on XXXX XXXX. On XXXX XXXX Green Tree Servicing LLC become Ditech Financial LLC. We did n't have any problem with this company until they offered to us Ditech Automatic Payment Agreement in XXXX, 2015. This agreement suppouse to start on XXXX XXXX. Before we sign this agreement we make sure that customer service representative understood that we ca n't have monthly recurring electronic debits from our checking account on Due Date ( on the XXXX of each month ), because my husband got his XXXX pension electronic deposit on the XXXX of each month. Customer service representative assure us that in this agreement we have second " alternative '' Debit Date for each month. And indeed we put alternative date of XXXX each month in assigned line in agreement. On XXXX 2015 electronic system triggered mortgage payment right on XXXX day of the moth and we did not have sufficient funds in the our checking account! After that our bank charge us XXXX fines : {$35.00} Bank Overdraft Charge, and {$9.00} ODP Primary ( CR ) Fee.Altogether : {$44.00}. We are low income senior citizens and every cent is important to us. We contacted this mortgage company many times, write letter with explanations and ask to pay {$44.00} back to us, because it was clearly their mistake or a lie! They send letter of refusal. That was our first unresolved dispute. XXXX is even more disturbing. All year of 2015 we had no cushion on our escrow account. We only paying yearly home insurance premiums on our escrow account, because we are low income seniors and XXXX XXXX give us real estate tax exemption every year for many years. We never had any problem with adjusting our escrow account for that before. Not with this company! First they put full amount of taxes on our escrow in addition to our home insurance amount, and then, after many attempts to contact by phone calls, faxes, and finally mail, they re-calculated our escrow account with significant cushion! It was explain to them over and over again, that we are low income, we never late for monthly payments and we ca n't afford pay XXXX more per month until XXXX 2015! We already pay {$200.00} more for XXXX 2015, because this company working very slow and in the process extracting as more money as they can! And they calculated cushion not from my real amount on my escrow account ( it is only my home insurance payment, not taxes ), but from inflated amount of taxes plus home insurance premium. What happen with only XXXX of escrow amount?! This behavior need to be stop!
05/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 45244	Web
On XXXX, 2016 I received my XX/XX/XXXX/XX/XX/XXXX escrow in mail from Ditech Financial LLC. Upon reviewing I became alarmed by the huge property tax increase and large increase for XX/XX/XXXX mortgage payment due to these projections. ( felt a little sick because of a similiar situation taking place in XX/XX/XXXX/XX/XX/XXXX ). I telephoned next morning ( XX/XX/XXXX ) to find out what was going on. After several calls I was quickly able to realize that the escrow projections were in error based on customer service reading my neighbor 's parcel ID as well as mine. I explained that there was a legal amendment/ partial release to my mortgage based on an error of Green Tree 's when a refi was done as part of The Making The Home Affordable Program. ( XXXX XXXX had pulled the wrong legal desciption when refi was done ) I ask that they look in their system for the document and they were able to pull it up but some how it was overlooked when they uploaded file ; this was in connection from Ditech becoming GreenTree. Thus began the inconsistent information being given to me by customer service. I was told that under circumstances that it could take up to 14 days to investigate but with documents in their system to call mid next week and they should have it investigated. It was then said it would only take another 5-7 business days to perform new analysis. Finally the rep I spoke with said information from calls and XXXX page amendment would be emailed to me while we were on phone but to date no email has been sent. This made me very uncomfortable in thinking that the calls could be overlooked and so could the research they said they were going to do. Therefore I sent several faxes and letters ( Written Qualified Request and Notice of Error ) on Saturday, XX/XX/XXXX as well as messages to the online message center. I did not receive any phone calls to confirm receipt of information. Then on Monday, XXXX XXXX, 2016 I sent a letter priority mail ( so I could track when it would be delivered to ) The Taxing Department, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX As one last attempt I emailed Ditech directly XXXX. The email consisted of said letter and forwarded emails from XXXX County Treasures Office of which had the XXXX page partial release document attached. When I called Ditech Customer Service on Wednesday, XXXX XXXX and was told a whole set of different time lines, they were not allowed to email customers and that this could take up to 90 days after research was finished I became more than alarmed and realized I needed assistance in getting this error on their part fixed thus turning to you.
06/28/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29410	Web	Servicemember
I bought a Mobile home on XX/XX/XXXX with a mortgage loan from Greentree. I have paid my loan every month since, always early or on time. ditech assumed the loan from my old mortgage company. I continued to pay early or on time. The loan is an 8 % simple interest loan so I pay the loan on the XXXX of the month instead of the XXXX of the month when it is due for a potential interest savings. I was even paying an extra {$200.00} a month towards principal for a while until ditech started posting payments wrong and I noticed a big fluctuation in the amount of payment that went to interest. Since XX/XX/XXXX, there has been a continually problem with posting my proper payment to my account. I repeatedly have to call to get it straightened out because they post it to the principal or interest and not the monthly payment. It takes repeated phone calls with assurances that it is fixed and then it happens again in a month or two. Since the problem is still happening in XX/XX/XXXX, I now write down when I call and who I talk to. I called XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX. I was assured the problem was fixed, notes made to the account and safeguards put in place that my payment would only be applied to the next due payment. This did not happen. I have been turned over to collections twice for overdue payments and receive a call today ( XX/XX/XXXX ) from XXXX notifying me they are a debt collector for ditech. That would be fine but I have never been even late on a payment, much less missed one. I pulled up my account on-line with ditech and see the payment they received on XX/XX/XXXX went entirely towards interest and they are showing no other received payments. The reality is the XX/XX/XXXX payment was for XX/XX/XXXX and should have been posted so. My XX/XX/XXXX payment went out on XX/XX/XXXX and they will receive it on or about XX/XX/XXXX. My interest rate in XX/XX/XXXX was {$150.00}, in XX/XX/XXXX it was {$440.00}, and in XX/XX/XXXX it was {$500.00}. These are the things I have called about and fought to get fixed. The interest rate is always dramatically different when it is a simple interest loan and I pay the same day of the month. Should n't it be close to the same amount each month? I have wasted countless hours on the phone straightening out this mess on a repeated basis and it just happens again. Customer service tells you it is fix but it never is and fight with you when you want to talk with a supervisor. No consumer should have to be subject to this type of treatment from a loan company, much less a customer that pays on time.
07/24/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 080XX	Web
A late fee that was incorrectly applied to my account on XX/XX/XXXX. I called Ditech and they explained that customer service had no authority to issue late fee credits but I could Fax a letter to XXXX do dispute the fee. I sent a letter ( attached ) to this fax on XX/XX/XXXX to address this issue. I never received a reply. On XX/XX/XXXX, I called Ditech customer service to ask why the late fees were not credited ; the answer was that the request was denied. I was given no explanation except as to say that it was part of my contract and the company policy was not to give credit back on late fees. I asked to speak to a supervisor. I was told no supervisor was available but one would call me back. I insisted and asked to wait on the phone line. Eventually I was given a supervisor named was XXXX # XXXX. I explained why the fee was not justified but it was clear that XXXX XXXX was not interested in resolving the issue. I asked my recourse and was told that I could fax my dispute to XXXX. I explained that I had already faxed a dispute to that number. I that point he told me that it was never received. ( Attached is the fax receipt log verification ). He went on to explain to me that I signed a contract that authorized the late fee and offered to send the contact. ( Which he sent by mail ) He further explained that the fee would stay on my account and if it was not paid, then the note would not be release when it was eventually paid off. He also went on to say I will get the same answer at Ditech from anyone else. Clearly Ditech has a policy to enforce the late fees but what is not clear is that they are doing it based on the contract. My contract clearly states that the payment is the principle and interest. See Section 3 ( A ) The Note does not mention the escrow fee as part of the payment. Conflating the escrow payment and the loan payment into the same payment is clearly a Ditech policy. The contract does not authorize them to charge the late fee on the escrow. See Section 7 ( A ) Ditechs policy is unfairly collecting fees from consumers that pay their mortgage payment but are short on the escrow account. Instead of booking the mortgage payment and booking the remaining funds in the escrow account, Ditech puts the funds in a suspense account thereby creating a late fee. In my case, my escrow account was substantially funded and in no risk of being short for the next disbursement. Ditech has no authority to collect the late fee of {$58.00} in this circumstance. Ditect should credit my account for the late fee and stop this practice of creating late fees with a suspense account.
06/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92656	Web
I am set-up with Ditech with their automatic biweekly payment option offered through their website, and all payments are current, have been timely made in total monthly amounts that exceed my static mortgage payment obligation that does not change as I do not impound and have a fixed interest rate. I can provide documentation upon request of my recent statements and payment history. Despite their own payment history showing me as current, Ditech has issued me a billing statement on XXXX/XXXX/2016 indicating erroneous past due amount and a {$83.00} charge for " late fee. '' When I called their customer service number, at XXXX and spoke with representative " XXXX '' in South Dakota, I was told that many people are having this problem as a result of a new computer billing software Ditech just started using that is not properly accounting for payments and is charging late fees even though payments are current. She confirmed that my account is current and has not ever been delinquent and that she would remove the erroneous late fee. Although I was informed they would rectify their error today by crediting the erroneous late charge, I was told that this may continue to happen again next month, but just to call back again next if/when their computer software charges an erroneous late charge, if I want to be credited for future erroneous late charges as a result of their flawed new computer software. I inquired as to what Ditech intends to do about erroneous late charges billed to other customers due to their " new software issue '' that do not complain / call to request credits and was led to believe that Ditech did not have any plans to take any pro-active action to rectify the situation and properly credit accounts that are current. Nor, was any time frame provided as to when their new computer software issue would be fixed so as to not charge erroneous late fees. I was not satisfied with this response, or the lack of operational control concerning non-functioning new billing/payment software. Furthermore, the representative asserted to me that this was " not Ditech 's fault '' that their new payment/billing software program does not function properly, which I found quite preposterous and unacceptable in light of Ditech 's responsibilities as servicer of the mortgage. I am respectfully requesting the CFPB investigate these troubling issues concerning Ditech 's business practices concerning erroneous late fees being billed to non-late borrowers and not being pro-actively reversed as a result of their " new billing software '' issues. Thank you in advance for your time and service.
02/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 481XX	Web	Servicemember
I am exempt from paying property tax as I am a 100 % service disable veteran. I received the exemption approval from my city on XX/XX/XXXX. - XX/XX/XXXX I spoke with XXXX regarding the tax exemption and XXXX regarding my escrow account. All requested documents were faxed to Ditech at XXXX XXXX XXXX XXXX. - XX/XX/XXXX Ditech confirmed they received my documents and was told my tax liabilities were zeroed out of my escrow account and wait 7-10 business days for an escrow re-analysis. - XX/XX/XXXX Ditech paid my winter XXXX taxes without receiving a bill. My exemption was approved by the XXXX of XXXX and a winter tax bill was never mailed to Ditech. The XXXX of XXXX mailed a refund check to Ditech in the amount of {$480.00} on XX/XX/XXXX. - XX/XX/XXXX I spoke with XXXX and was informed that the tax department zeroed out my summer taxes but not my winter taxes. She said she resubmitted the request to reflect a 100 % property tax exemption on my account and should be resolved by XX/XX/XXXX. XXXX tax refund check not showing in their system. - XX/XX/XXXX I spoke with XXXX who stated that my account was still under investigation. I requested to speak with the tax dept, the escrow dept or a supervisor and was denied. She said all I could do was wait. - XX/XX/XXXX I spoke with XXXX Stated my escrow account was still wrong even after last investigation. He opened a new investigation but once again I was denied the opportunity to speak with the tax dept, escrow dept or a supervisor to attempt to resolve issues. - XX/XX/XXXX I spoke with XXXX where I requested to speak with a U.S. customer service representative. Someone who had the experience and knowledge to go over my still inaccurate escrow account. - XX/XX/XXXX I was transferred to XXXX who said she was from the tax department. She stated they received the winter tax refund check in the amount of {$480.00} but it has not been sent to Ditech as of yet. I was advised to wait until I see the refund detailed on www.ditech.com. Once I see the refund, call them and request another escrow re-analysis. - XX/XX/XXXX I spoke with XXXX who stated they did receive the winter tax refund check and I was advised to wait another 7-10 business days for a yet another escrow re-analysis. - My escrow account is showing that I owe {$20.00} when in actuality Ditech owes me {$1500.00}. All of this has put a financial burden on me as my escrow payments were increased which in turn increased my monthly payments for the months of XXXX XXXX, XXXX XXXX and XXXX XXXX. I have been paying {$910.00} when my correct payments should be {$620.00}.
02/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 23503	Web
My loan was with XXXX XXXX XXXX. My payments were {$540.00} a month. My taxes were n't included in my loan payments. I became {$1000.00} behind on my taxes. I decided to make payment arrangements with treasurer of the city of XXXX to get my payments up to date. The bank decided to take over the payments and raised my mortgage payments to {$780.00} a month. After three months it went down to {$730.00}. I started struggling with the payments. I became one month behind. The mortgage company sent me paperwork for a long modification. Instead of lowering my payments they raised my payment to {$830.00}. After a month of trying to pay that amount I called and told them I could not afford {$830.00}. I was then XXXX months behind. I was told by the mortgage company that the only other option was to move out and do a short sale or a deed in lieu. I decided to move out. I was told by the mortgage company that they could issue a short sale or a realtor was able to. I moved out of the house in XXXX 2014. I was told to let them know when I moved out. I called them in XXXX and I was told that XXXX XXXX XXXX would no longer be servicing my loan. Green tree would be taking over and I should probably give them until XXXX to get up to speed on my account. When I called in XXXX my account was still not in there system. It was closer to XXXX that I was fully in their system. When I mentioned the short sale to them they told me that 's not how they do it. I would have to list my house for sale and try to get regular price for the house. She said let 's try to do a modification. I told her that XXXX XXXX XXXX already denied me. She said my case was easy. She had seen a lot worse cases. She then denied my modification request after two months of sending in information. Now for six months I 've been trying to do a deed in lieu. I 've sent the same information in five or six times. I have no idea what 's going with the process. No one sends information. I had to look at my credit report to find out they foreclosed my house. But when I ask them has the house been foreclosed I 'm told no. They padlocked the door and I asked them Why are telling me to remove everything out of the house for the deed in lieu when you already padlocked and foreclosed on the house. They keep telling the house has n't been foreclosed, I feel like their trying to catch me off guard in order to prevent bankruptcy. I would have known the process would have taken this long I would have never left the house. In the beginning I wanted to keep the house, now I just want the process to be over with. This is like a slow death.
06/03/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NH 038XX	Web
I have a 30 day late on my credit report when the money was paid and out of my bank account and with Ditech. Here is the list of events that have happened over the past 3 months. XX/XX/XXXX - made a {$200.00} payment toward my mortgage payment that was due on XXXX. XXXX - made full payment of XXXX because the online and automated system will not allow a payment of anything less than a full normal payment XX/XX/XXXX - called to make my payment due XX/XX/XXXX. I called because I was going to make the payment minus the {$200.00} that was still sitting in my account since XXXX XXXX. The CSR was great. She saw my {$200.00} and said it went to late fees but it could be reallocated and all I had to pay was the remainder of the payment which was XXXX. She took that from my account for me and waived the {$19.00} fee because I did n't have another option to make that payment due to their online limitations. She assured me I was all set. XX/XX/XXXX went to make my payment online and was past due. Called customer service to straighten it out. They said my reallocation requested was submitted on XX/XX/XXXX but did not have a decision yet. I was hit with a 30 day late on my credit report for XX/XX/XXXX. I asked for a manger and spoke with a man named XXXX. He assured me that it would be looked at ASAP and he would get back to me on XX/XX/XXXX either way. He never called. XX/XX/XXXX - I called customer service again. My reallocation was not complete and no one could answer me. The girl I talked to sent him an email and I left him a message and still no response as of XX/XX/XXXX. I am beyond frustrated beyond words. First of all I was told I was all set for XX/XX/XXXX by a customer service representative and I was not. Then my credit took a hit which it should not have. I paid XXXX. Then I call to resolve the matter and it has been over a month and was never even looked at. I do not know if my credit will be hit again for XX/XX/XXXX. Ditech had my money and did n't put it to my payment and then caused a hit on my credit. Then they have yet to resolve the issue ... ..over a month later!! Then to top it off, I can not get a response from this company and/or the manager that I spoke with. I can not get anyone to work with me and help me. All calls are recorded and I even asked them to pull my phone call from XX/XX/XXXX so they could see that I was told I was all set. I can only go based on what customer service tells me. No one will follow through or follow up with me and I need to get this resolved so my credit is not ruined any more than it has been due to their incompetence.
04/02/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	IA 526XX	Web	Servicemember
continuation of XXXX complaint due to Ditech Financial LLC not following their own word and finding excuses to get them out of loan modification contract they made with me and after i sent them the first payment for loan modification and had sent them their paperwork and a copy of paperwork overnight through XXXX. Ditech is now denying the loan modification due to paperwork not arriving in a timely manner and i have proof through XXXX tracking that paperwork did arrive on time at their office in XXXX, Arizona on the XX/XX/XXXX as was needed, but was not delivered due to " Customer not available or business was closed '', but was delivered on the XX/XX/XXXX and signed for by a XXXX. since i have received calls from Ditech Financial llc and prior visits from their reps on saturdays, i fully assumed that their office was open and reps were available to receive the XXXX package with the loan modification paperwork. since the paperwork was delivered in a timely manner, Ditech Financial LLC should keep their word and honor their contract as i had with returning the signed documents and made the first loan modification payment. in a letter received XX/XX/XXXX, Ditech Financial LLC, STATES that i have 2 choices..SHORT SALE ... wanting me to sell my personal property ( my land that i had previously before purchase of mobile home ) that had nothing to do with my original purchase or loan modification and pay them off. the second was DEED IN LIEU OF FORECLOSURE.. wanting me to voluntarily hand over the deed to my personal property. again had nothing to do with my purchase of my home. also, my complaint leads into the right hand not knowing what the left hand is doing. my first statement after returning loan modification documents and making my first payment on the loan modification, i receive my first statement again with threats of taking my home and saying i am delinquent for 523 days even tho i have been making payments every month since my original contract matured even tho i still believe the amount owed is manipulated through creative financing at their whim and not owed, just so i can keep the home that i have been paying for going on 22years and the contract was 20 years. i feel there needs to be a complete FEDERAL AUDIT of my account and many others to see the creative financing Ditech Financial LLC fka XXXX XXXX that this company is capable of! Also would like to see how 2 large payments of XXXX and XXXX were applied to my account. Another thing is my account payment was raised from {$280.00} to XXXX after i had a bankruptcy in XX/XX/XXXX ... .where did that go?
12/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 77505	Web
I have been victimized by my mortgage lender and as a result I am now facing foreclosure. I purchased my home in XXXX and was misled by the people at XXXX who talked me into a mortgage loan with an introductory interest rate of 9 % that would eventually adjust up and could go as high as 15.62 %. When it came time to adjust my payment went up almost {$400.00} a month but somehow I was able to hang on. I paid that outrageously high amount of interest for 6 years and eventually it was too much and I applied for a modification. I was grateful that I received a modification and my rate was lowered to 2 % in XXXX. I paid as agreed on this for over 2 years. However, my loan is now with DiTech and I am facing foreclosure. I work as an XXXX and I ran into some issues a couple of years ago with the company I was working for and I had to switch to a different company. As a result of this change, I lost out on a lot of income and was struggling financially. I missed my mortgage payments for a couple of months while I got back on my feet. I reached out to DiTech to make a payment and to see what could be done to get everything sorted out. I was shocked when they refused to accept my mortgage payment. I was even more shocked when they told me that they would not be able to offer or even consider any type of modification or repayment plan or anything because I already had a " good rate ''. They stated the only way I could fix this was to reinstate the entire delinquent amount, which was not possible at that time. However, I was only three months behind at that time and DiTech could have easily put me into some type of forbearance agreement or repayment plan instead of shutting the door on me. They also could have put the late payments back into the balance of the loan and just increased the term or something. Instead they refused to consider any options, refused to look at my current financial circumstances and decided to serve as judge, jury and executioner and move me straight into foreclosure. I know that the government programs allow consideration for a second modification if something bad happens to the homeowner. But DiTech is completely shutting the door on me. They merged with Greentree Mortgage and I know that this company received XXXX of dollars in bailout funds. After making all of this money from me with an outrageously high interest rate for so many years one would think DiTech would at least give me the time of day and the opportunity to resolve this matter. Instead they have harshly turned their back on me and I want to file a formal complaint against them.
06/26/2015	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	NJ 080XX	Web	Servicemember
My husband (at the time) was away XXXX for a year, in XX/XX/XXXX-XX/XX/XXXX, decided to leave his family when he returned then filed bankruptcy in XX/XX/XXXX and the mortgage was my responsibility. I attempted for a year to get a loan modification with Greentree Mortgage, I was told to fax my information at least XXXX times, which I did, they were behind in the servicing department. I called in XX/XX/XXXX to try to put the debt of my 1 year of mortgage payments onto the end of my loan and start paying each month in XX/XX/XXXX, to which I was told I would need to pay the balance of over $10K, obviously which I did not have. I spoke to a representative in VA Loans Department and was told she would get this resolved for me, i never heard from her again, I left several messages for about a month, faxed my information as requested, again. By the time XX/XX/XXXX came around, I was asked to fax my information again and instead I was able to get an apartment and move, I have XXXX kids that I had to move instead of being thrown out due to a foreclosure. The house remained vacant, I never received any letters about my house going into foreclosure, just statements saying balances that are owed and late payments, a letter from Greentrees attorney stating they will sue me for the remaining mortgage amount owed of over $180K. I attempted a Short Sale that fell through, nothing came of it since we needed so much work on the house and the amount we were selling for was way overpriced for the house. My house was ransacked XX/XX/XXXX, and all of our valuables, were stolen. We called the police and filed a report. After an investigation by our local police department, we found that Greentree sent in a Clean Up crew to winterize the house, change the locks, and cut the grass (which they only did half of the front yard) we had about $15K in valuables and personal property stolen. Filed a claim with our homeowners insurance and we need receipts for valuables that over 10 -20 years old, we do not have receipts! We got in touch with the clean up crew and they denied taking anything, yet all of our neighbors saw them emptying our home, and luckily took down their license plate number. Greentree denied sending them in, the clean up crew blamed Greentree. All of this going on and to date I still have not received a Foreclosure Notice. I was forced by this situation to file bankruptcy to resolve this mess. I have proof of all of my attempts to file a loan mod available by date as I was faxing this information, names of the reps, phone numbers and departments they work in.
07/10/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	WA 99203	Web	Servicemember
Ditech Financial LLC is the 5th lien holder of this disputed debt. In XX/XX/XXXX, I purchased a house for {$250000.00} through a bank in NM. That loan was sold to XXXX, which then sold it to XXXX XXXX XXXX, which then sold it to Green Tree Financial, which then sold it to Ditech Financial. The debt was sold four times through XX/XX/XXXX. By XX/XX/XXXX, I made the decision for my XXXX children and me that we could no longer afford to live in the house. I was borrowing from family and living on credit cards in order to make the mortgage payments. I notified XXXX XXXX XXXX that I would be unable to continue to make mtg. payments, but would attempt to remedy the situation. I made efforts to rent the house through a rental company which specialized in this type of transaction, due to the state of the economy, there was n't the market for such a large property. I made sure that the septic system was cleaned, swamp cooler serviced, termite inspection done, furnace serviced, guest house rooms freshly painted, shrubbery trimmed. We also left a usable refrigerator in the garage and the house cleaned when we left. I left the house keys with the next-door neighbor, and notified XXXX XXXX XXXX that 's what had been done. Within a few days, men came from XXXX XXXX XXXX (? ) /Green Tree (? ) -- got the keys from the neighbor, went through the house, changed the locks, then exited. I contacted Green Tree and tried to work through that company to resell the house via their specific division, but was notified by them that since I had moved from the house, I was considered an absentee landlord and they could n't help me! What a joke! I then tried to sell the property through a realtor that specialized in short-sells, verified with Green Tree that I had all of the paperwork, it was all vetted, we had a buyer who was ready to sign the purchase agreement -- of course it was a lot less than the $ XXXX, but it would have saved the property and me. That day, both the realtor and I were notified by Green Tree that the house was being put up for sheriff 's sale and the realtor and I were out of the picture. The house was sold at sheriff 's sale -- by Green Tree to Green Tree -- for {$200000.00}. It was then resold to another buyer. At some point after that, Green Tree sold the loan to Ditech Financial, which really just might be Green Tree/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA Ditech Financial. I was sent a Capital Gains Statement for my XX/XX/XXXX income taxes in the dollar amount of {$180000.00}. We had no gains from this whole nightmare, only losses on top of losses.
09/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29678	Web
XXXX XXXX has a loan with Green Tree. XXXX XXXX had got behind due to some financial difficulties. XXXX XXXX called Green Tree and spoke to the lady over his account, # XXXX, XXXX XXXX XXXX XXXX had to call me on the phone XXXX way, meaning XXXX XXXX, XXXX and myself were all on the line at the same time but at different places, to verify him using my debit card. I told her that I did verify the transaction of {$3400.00}. XXXX XXXX XXXX ran the transaction and she said the it would not go through because my bank probably had a limit set. I asked XXXX XXXX if I could just give her my account information and do it as an ACH, XXXX XXXX then put XXXX XXXX and I on hold to ask her boss if she could do that. XXXX XXXX returned and said that her boss AGREED and I gave XXXX XXXX my information and she processed it. Green Tree took the {$3400.00} out of my checking account on XXXX/XXXX/2015. XXXX XXXX told us that all legal and late fees would be added to the end of the account and it was up to date. Next payment was due XXXX/XXXX/15. On XXXX/XXXX/15 XXXX XXXX called XXXX XXXX to get his account set up online so that XXXX XXXX could make payments online, and was told by XXXX XXXX that XXXX had bought out Green Tree and they was not excepting the agreement that was made and that the money would be put back into the account that it was taking out of, XXXX XXXX stated that it was start Tuesday XXXX/XXXX/15?!?! XXXX XXXX also stated that she was no longer over the account and could not help XXXX XXXX. As of today XXXX/XXXX/15 my money still has not been put back into my account. Not only was an agreement made and money already accepted, when XXXX XXXX and I call about the account and money, XXXX XXXX and I are put on hold and transferred to others representatives that can not tell us where the money is. I, myself, called today XXXX/XXXX/15 to XXXX Ext. XXXX and spoke to a XXXX. XXXX XXXX verified account number, phone number and asked who he was speaking with and I told him that I was not on the account but I had XXXX XXXX hear beside me. First thing he said is the account is {$3400.00} behind how would you like to handle this. My response was that I had already paid that and it was being returned. Then after I tell XXXX XXXX what is going on he then tells me oh I see and yes now with XXXX they do require legal and late fees up front. Why was that not told in the total then? XXXX XXXX was told that {$4500.00} is due by XXXX/XXXX/15 or they are taking his home back. I want my money put back in my account ASAP and not every will I ever do business with XXXX.
03/27/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 24012	Web
My name is XXXX XXXX I live At XXXX XXXX XXXX XXXX XXXX va. On XX/XX/XXXXI called Ditech my morgage company and asked them how much is needed to bring my loan current since I was behind on my payments. They gave me the amount of XXXX cents. I went to XXXX and made that payment using their bill pay process. On XX/XX/XXXX i called ditech again wanting to make my usual monthly payment thinking I am all caught up only to be told by the representative that my payment was not accepted and that we are under foreclosure. I asked for the name of the attorneys office and asked for the reason why was I not alerted I am in foreclosure and why did i not get correspondance. I was not given a reason for either. I called every day since then up untill XX/XX/XXXX asking where is the payment that i gave them for XXXX and what is the name of the law office handling my case. Not once did they gave me answer to either. On XX/XX/XXXX I received a lettwr from XXXX XXXX XXXX XXXX wanting XXXX for the missed payments and XXXX in attorneys fees. I called ditech and law firm again asking why am I paying this and why am I given a forclosure letter dated for XX/XX/XXXX when they got full payment onXX/XX/XXXX. Since then I have been calling various non profits, ditech and XXXX XXXX wanting to get my money back for XXXX that was the amount past due so I can make most current payment again and for the XXXX fee to be removed since I paid the balance owed way before this letter was sent. Ditech has been putting me on hours long holds and when they did speak to me it was in a rudest manner but money was never sent nor was I given any straight answers for 1. Why was I not initially notified of forclosure beforeXX/XX/XXXX? Why was my payment not applied and/or why was it not returned on time to me its been over month and a half and why am i paying attorney fees for debt that was paid month before? I feel like they been purposely dragging so the time XX/XX/XXXX comes around they can do a foreclosure and take my home. I have been living in constant fear and there is XX/XX/XXXXchildren under the age of XX/XX/XXXXliving here. All we want to do is pay our mortgage and move on. I was also told by ditech that if i was not lazy I would walk my XX/XX/XXXXto the library and fill out modification papers back in XX/XX/XXXX when I tried to reach them in regards to trying to find a solution to not losing my home. This was another issue before payment was made I requested modification papers at least 4 times and no luck. Enclosed you will find uploads of the letters and proof of payment.
11/16/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NY 11367	Web
I obtained a mortgage of {$190000.00} from XXXX XXXX XXXX Mortgage XX/XX/XXXX with a PMI of {$100.00}. The ORIGINAL HOME VALUE was {$230000.00}. The mortgage was immediately sold XXXX and had it for 5 years. In XX/XX/XXXX I applied for a loan modification and got approved where my mortgage was now {$190000.00}. In XX/XX/XXXX my mortgage was again sold to Green Tree. Since XX/XX/XXXX I have continuously asked for my PMI to be removed but kept on being denied. This year XXXX XX/XX/XXXX XXXX my mortgage is at {$160000.00} I asked for the automatic termination as stated in the Homeowners Protection Act. I got the run around for months and after months of it, I finally received a letter XX/XX/XXXX that my PMI will be automatically terminated XX/XX/XXXX. It is now XXXX and I am still being charged a PMI and after numerous phone calls, faxes and requests, they are now stating that my PMI will be terminated XX/XX/XXXX!! XX/XX/XXXX I will reach 62 % of my LTV ratio. GreenTree ( Ditech now ) is NOT in compliance of the Homeowners Protection Act for the following reasons. 1. Loan modification in XX/XX/XXXX did not include a new letter or contract for the PMI stating the terms, time of automatic cancellation or when my loan would reach 80 % LTV ratio. They are refusing to supply me with this type of letter. 2. There was no new appraisal to calculate LTV ratio during loan modification. 3. They are NOT using the original appraisal value to calculate LTV ratio to remove PMI. I do not know what value they are using because they did not do another appraisal on my home besides the original appraisal. I asked them for the appraisals that they have on file and they only gave me the original of {$230000.00}. 4. Currently my LTV is XXXX % when using ORIGINAL HOME VALUE. 5. They are not honoring they letter to remove PMI XX/XX/XXXX. 6. Ditech is now requiring me to complete a customer-requested cancellation where I have to pay for another appraisal, but it is not necessary as this should be an automatic termination since my LTV is XXXX % and nowhere near 80 %!!!! 7. Refuse to put anything in writing when asked for letters stating their position and explanation. 8. Refuse to allow me to speak with anyone such as the escrow department other than customer service. Customer service ALWAYS states that they do not know or are unaware and will forward my information and someone will get back to me either by phone, email or mail. No one ever responds. GreenTree ( Ditech ) is NOT in compliance with the Homeowners Protection Act of XX/XX/XXXX and should be fined!!
10/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75104	Web
Review of recent credit reporting ( XXXX Report # XXXX ) indicates Ditech has reported my account delinquent XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 150 days delinquent ), and XX/XX/XXXX ( 180 days delinquent ). However, the loan was on an Active/Performing Unemployment Forbearance Plan. The Unemployment Forbearance was submitted XX/XX/XXXX and approved XX/XX/XXXX effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. Ditech erroneously cancelled the Unemployment Forbearance Plan on XX/XX/XXXX due to the automated process of a Loan Modification Solicitation being mailed. A complaint was filed on XX/XX/XXXX and Ditech remediated the error and obtained approval from the Investor XXXX XXXX for an extension of the existing Unemployment Forbearance. Correspondence was received from Ditech ( XXXX XXXX ) dated XX/XX/XXXX indicating the Unemployment Forbearance Extension was approved effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. The loan was under Error Resolution review XX/XX/XXXX through XX/XX/XXXX. Unemployment Forbearance payments were Paid as Agreed, as stipulated XX/XX/XXXX through XX/XX/XXXX. The credit reporting account status should have been reported as Active Forbearance -Paying as Agreed XX/XX/XXXX through XX/XX/XXXX. According to 12 CFR Part 1024.35 ( b ) and ( i ) Regulation X of the Error Resolution Procedures the Mortgage Servicer ( Ditech ), after receipt of a notice of error, a servicer may not, for 60 days, furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the notice of error. Therefore, the loan should not have been reported as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as the loan was under review for the complaint filed XX/XX/XXXX. The loan was also brought current XX/XX/XXXX in the amount of {$7.00}, XXXX and should have been reported as current for XX/XX/XXXX. In addition, the Investors ( XXXX XXXX ) Credit Bureaus Requirements ( C0-4.1 ) also require the Servicer ( Ditech ) to provide a complete and accurate full- file status report for all mortgage loans to each of the four major credit bureaus describing the exact status of each mortgage loan as of the last day of each month ( delinquent mortgage loans including 30, 60, 90+ day delinquencies, forbearances, modifications and liquidated mortgages ). ALL credit reporting bureau information ( XXXX, XXXX, and XXXX ) is required to be updated accordingly.
10/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IN 470XX	Web
Had a loan through XXXX for almost 10 years with no issue. Sold my house on land contract. The gentleman was renting out the house and the loan was currant. XXXX sold to XXXX and they turned to Ditech. Ditech sent someone to the property and told the renters they needed to vacate because the house was being foreclosed on and they will be trespassing. By the time we cleared everything up the renters moved out using Ditech 's henchmen as their legitimate excuse. At that point the man that had the property on land contract started getting gitery on his investment in fear that something shady was going on with Ditech so he and I requested a loan modification which he has been through with several companies many times. At that point Ditech ran a continuous we will call you back run around with us. Almost never was there a record of previous conversations. No one that we were supposed to talk to was ever available and we were sent to voicemail after voicemail where the mailbox was full. Not one email or phone call was returned leveing it impossible to communicate with them. They at one point told us they would not take partical payments and then turned around and told us they were not sure why we were told that ( of coarse things got deeper and worse as they stalled out ). We have been waiting for loan modification papers for the final time for over a month now making handfuls of calls every day being sent to voicemails that are full and not able to leave a message. The are claiming the property will go into foreclosure in XXXX. If they would only do as they promised this entire situation will clear itself up and everyone can move on and they will get their money. If not everyone looses and it will be the sole fault of Ditech. Never have I witnessed such incompetent handling of a loan. The last payment was made in XXXX of 2015 for the amount of {$580.00}. I did n't make a payment in XXXX because I wanted written proof that the house was n't in foreclosure as that 's when they evicted the tenants. I then tried to make a {$1100.00} payment in XXXX and they would n't accept it and then tried to make a payment in XXXX and they would n't accept it either. During the course of the last year that have verbally told me twice that we were approved for a modification and then approved for a a repayment plan which I was trying to do for {$800.00} a month and then they never called back again. No exaggeration, I have called Ditech over 100 times throughout the course of the last 15-16 months and have received less than 10 return phone calls.
12/24/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	MA 02143	Web
I was notified by my city that a property tax payment had not been made and that a fee and interest was being added. I contact the city who confirmed no payment was received. I notified Ditech that the city had not received payment, they made an additional payment, with both payments being paid from my escrow account. In the end two payments and a late penalty were deducted from my escrow and only one payment was applied to my property taxes. I have contacted the company multiple times including a formal notice of error, and never received a final response regarding the missing payment. They also have not provided any information to myself or the city about a check number or receipt for the payment they claim they made. Events : 1 ) XX/XX/XXXX Deduction appears in escrow account for 4th Quarter bill ( {$710.00} due XX/XX/XXXX ) 2 ) XX/XX/XXXX Receipt of real estate demand from City of XXXXXXXX for {$740.00} ( outstanding bill plus additional fee and taxes ) 3 ) XX/XX/XXXX Correspondence sent to Ditech informing of unpaid taxes and demand letter 4 ) XX/XX/XXXX Ditech responds claiming payment was made XX/XX/XXXX 5 ) XX/XX/XXXX City of XXXXXXXX Treasurer confirms via email that no payment was received on XX/XX/XXXX or since 6 ) XX/XX/XXXX Call to Ditech speaking to Taxes & Insurance department. Ditech Representative confirms there were issues transmitting the payment, confirms I am not responsible for fees and interest on outstanding bill, and schedules payment on outstanding bill and taxes and fees. 7 ) XX/XX/XXXX payment of {$760.00} posts as being made from my escrow in addition to XX/XX/XXXX deduction from my escrow. 8 ) XX/XX/XXXX Formal Notice of Error filed with Ditech, Ditech receives complaint ( XX/XX/XXXX ) with response expected within 30 days 9 ) XXXX/XXXX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 10 ) XX/XX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 11 ) XX/XX/XXXX Loan servicing is transferred from Ditech to XXXX XXXX 11 ) XX/XX/XXXX Ditech response saying they made payments but need to confirm with the city, and I will be notified when the investigation is completed with a response 12 ) XXXX contacted Ditech and was always told I should receive a response 13 ) XX/XX/XXXX contacted Ditech and was told they had responded, but could not proved me information about the response. Told me to contact new servicing company 14 ) XX/XX/XXXX contacted new servicing company whom never responded
04/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33569	Web
I owned a condominium, purchased in XXXX by myself and former wife. In late XXXX, we lost the condo due to XXXX fees, due to her job loss and health issues. The property was transferred by XXXX XXXX, NY Court to a mediator, and the property was sold at auction, and subsequently transferred to the buyer ( an investment company who buys XXXX foreclosures ) in XXXX. While my mortgage company has a superior lien, they have made no effort whatsoever to enforce their lien since XXXX, and has no timetable on the plans to do so. The property is worth more than mortgage balance, so I do n't see why the lender is delaying. In the meantime, I have had the mortgage reported as late on my credit, as it is, since XXXX, and after foreclosure, if and when it happens, will likely remain on my credit for 7 years after, meaning I am being reported on this debt for more than 16 years, potentially. This is inhibiting my ability to purchase a home, at historically low interest rates, and will likely for some time to come, as the CRA 's are reporting the home still in foreclosure. I had the property removed by deed transfer in XXXX, yet the lender states that their lien is superior to the XXXX 's, and as such, they still hold me to the loan, despite not taking any action whatsoever to codify their lien, and in conversations with the lender, no plan or timetable in place to do so. I am stuck in limbo and can not do anything, except pay the loan, which I would if I could. In the interim, an investment company profits off my property, which I have no right to, per the courts, and can do nothing to get the loan off my credit report. The original mortgage broker who wrote the loan was subsequently disciplined and jailed for his actions in the mortgage business, and the original lender ( XXXX ) contracted their modification to a Company called XXXX XXXX XXXX from XXXX, FL, who only wanted more money than the current payments were. Following the XXXX foreclosure, XXXX sold the loan to Ditech, who currently holds the loan and has expressed no plan exists for them to exert their lien, nor does a timetable. Ditech blames the legal system in NY, yet they have not taken the basic step of even filing a suit, which would start the clock. Ditech did not even know I vacated the property 6 years ago and that it was foreclosed upon by the XXXX. Now I am unable to buy a home because there is no action on this, and that is patently unfair. If I declared bankruptcy, I would n't have this issue, yet I try to do the right things and get treated unfairly in return.
11/22/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	AZ 857XX	Web
About a month ago, I contacted the company who holds my mortgage. I bought my house 2.5 years ago and inquired about removing the PMI insurance to bring my payment down. As instructed by them, I made an official inquiry in writing as to what my house would have to appraise for in order to have the insurance removed. After a few weeks I was told it had to appraise for {$250000.00}, but that I would have to pay for the appraisal. I was also told that they normally dont remove the PMI on a loan that is less than 5 years old unless home improvements have been done. I have put around {$20000.00} into the home since I bought it and I informed them of this. That is how they came up with the {$250000.00} figure. I asked again how much did we need to remove the ins. They again said $ XXXX. I told them to have an appraiser contact me. The appraisal was going to be around {$500.00}. An appraiser contacted me in a week and we scheduled the appraisal to be done a week after that. Happily, I found out the house appraised for $ XXXX. Two weeks later, Ditech contacted me and told me the house didnt appraise out for enough for them to remove the PMI. I told them what I had been told and I also told them that is why I ordered the appraisal. My realtor had already done the comparisons and I knew approx how much the house would appraise for. They said they saw in my file where I had been mistakenly told that we needed an appraisal of $ XXXX and they apologized for the mistake, but said they could not change the federal guidelines. I asked them if they were going to take responsibility for their mistake and pay for my appraisal. They said no. I asked to speak with a supervisor. She more or less told me the same. Said they would not cover the appraisal cost. I feel duped and stupid for believing their lies. I feel cheated. And mostly I am out {$500.00} for absolutely nothing. I am beyond livid. I am a single Mom who works very hard for my money and losing {$500.00} is a very big deal to me. Also ... several months ago I tried to apply some extra money to my principal. They informed me that they were unable to do this and that if I paid extra that it would be held and then applied to future payments. I would never have chosen this company for my loan, however about 6 months after buying my house I was informed that they were selling my loan to Ditech. I am mad and frustrated that these big corporations can pretty much do anything they want. Lie, cheat, take your money, and then take no responsibility for any of it. I dont know what to do now.
01/24/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19082	Web
First, I would to express my thanks an appreciations to Ditech Financial, LLC, CFPB, the senator 's office, the court and law offices the lawyers that have work so hard and continue to work in my interest believing in the United States ' justice system because it works and it 's one of the best justice system in the world ( I can attest because even though I 'm denied a " QWR to H.A.R.P modification request, the judges that have looked at my case have a cursor on the broken statue relating to my QWR request, but yet find prudence to bring about closure around justice denied in my case ). My complaint is thus : When my H.A.R.P modification decision be reach. If Ditech Financial will begin requesting the very same document/s submitted to as XXXX out of the range of what the law permits as in the XXXX XX/XX/XXXX case when XXXX ( XXXX ) represented me for a modification. This time during a recorded conversation on XX/XX/XXXX, Ditech reported that a " QCD/DD '' was the only data needed to be submitted to complete my file ( " Your file was rejected by underwriting pending the document '', the representative reported. Once received, the file is completed for underwriting result. This concern is a proven fact that is conspicuous in my case-file ( a fact that the bank/s and its ' entity will request for a document, and when one follow-up, the finding will be that the data was not admit receipt ). The next instruction after a document/s follow-up -- is to resubmit same multiple time despite an admitted conformation of the document/s date, time and station receipt. At this stage in the modification process, I 'm advice to undergrid the bank/s deceptive strategies in the banks ' written rules employ outside of the law that works. The act of an ongoing request for document/s and multiple resubmit requests to delay the time -line to process and reach an intervention within the Federal regulation parameter that works needs attention. Underwriting is the resisting department of moral laws vs rapacious/predatory knack to continue the delay schemes with an ultimate end being the very foreclosure that was to be remedy. Attached, please find copies of communications between XXXX, the court and my lawyer/s which are self-explanatory that is already part of the record of this rapacious skills, which include but not limited to : 1. Listing of requested Data QCD/DD dated XX/XX/XXXX 2. Email : XXXX XXXX XXXX XXXX motion granted to request modification ( Result : H.A.R.P modification to no avail ) 3. XXXX - confirmation for modification, etc.
07/15/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AL XXXXX	Web
XXXX/XXXX/2016 I contacted the Ditech Mortgage to find out where to send a check from the insurance company due to a fire claim. The representative told me to send it to a XXXX Illinois address. It was received on XXXX/XXXX/2016 at XXXX XXXX by XXXX XXXX. On XXXX/XXXX/2016 I contacted Ditech to make sure the check was received and the rep told me yes, but it went to the wrong address. The rep assured that it will be okay but claims will need to forward the check to the claims department to be processed. On XXXX/XXXX/2016 I contacted Ditech again because my account on the internet did not reflect any activity. Again I was told by a rep and management that the check will be posted on that day. After checking my account on the internet again on XXXX/XXXX/2016 with no activity I contacted Ditech to be told that it will take 7 to 10 business days to process by claims department and then sent back to payoff on XXXX/XXXX/2016. to be processed and check should be mailed the following week. On XXXX/XXXX/2016 checked the internet no activity contacted Ditech and to sum it up every call I got a different answer and empty promises. I continued to check the internet to find no activity so I contacted the XXXX which is a subsidiary of Ditech LLC. I spoke with XXXX XXXX and he referred to upper management on XXXX/XXXX/2016 XXXX XXXX Ext XXXX. XXXX stated the payoff was expedited and we show paid in full on XXXX/XXXX/2016 and I confirmed paid in full. However, XXXX stated if it showed paid in full he will expedite and contact me on Monday XXXX/XXXX/2016. On Monday I spoke with XXXX and customer service in reference to the payoff being incorrect. Instead of back dating the date of receipt it was dated as of XXXX/XXXX/2016. XXXX which upper management for compaints stated that he will look into it and call back and I have not heard back from him until this date. The company will try to tell you that I have cease and desist on my account. However, I had given XXXX permission to contact me in reference to receiving funds. I asked been asked to send letters and i have complied and now I am told that I have 30 days of posted payoff. My family and I have been through enough with the house fire and waiting on the insurance company to pay for the loss of my home. This is undo stress on myself and family. Please take this message as a sense of urgency due to my family and I not having home. I have lost bids on several homes due to not having sufficient funds to pay for a new home. Please see attached documents and audio to document my claim.
08/03/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30088	Web	Older American
I am a homeowner of 25 years here in XXXX XXXX, XXXX XXXX, Georgia. I am a XXXX senior citizen and have a XXXX veteran as a tenant in my home. My loan was XXXX and later with Ditech as of XXXX XXXX. I had a HARP modification originally and after financial difficulties due to XXXX and additional medication, I have tried to receive another modification with my servicing lender which was Green Tree and later Ditech. I have been denied every modification from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, 2016 I received a new modification payment schedule from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, XXXX I received a new modification payment schedule from Ditech giving me a new account and payment plan to become effective XXXX 2016. Keep in mind, I had no idea they were placing my loan in a modification status until I received this information. In XXXX 2016, I mailed in XXXX, XXXX, and XXXX payment in the amount of {$950.00} for each month and they accepted all XXXX payments. XX/XX/XXXX, I received a foreclosure letter - to foreclose on my property, effective XXXX XXXX, 2016, this notice came from their attorney ( XXXX ) representing Ditech. After numerous calls to XXXX and Ditech, no one ever returned my calls nor was I able to speak with any representative until the middle of XXXX 2016. I was then told by the attorney that represents XXXX, XXXX XXXX, ATTY, " they should have never accepted my payments. '' She instructed me to call Ditech directly. I called Ditech and was transferred to the bankruptcy department. XXXX of the bankruptcy department of Ditech indicated he would send me a new modification application and said I should receive it within 10 business days. To this date, I have yet to receive the modification application from Ditech. At that time, I asked for an audit of my loan. After the 10 days expired, I contacted XXXX XXXX and Making Home Affordable for assistance with helping me to apply for a new modification. I submitted a new application with the assistance from XXXX XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a letter from Ditech that my modification was denied because my property has been foreclosed and I was no longer the owner. I have enclosed all recent documents from XXXX and Ditech and bank verification of my payment. Also my dated the modification application submitted by XXXX XXXX.
03/30/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08043	Web
I have worked for the same employer and have recently become XXXX and I am collecting Social Security XXXX. I have been denied loan modification on 5 occasions since XXXX 2015. The 1st because I was current with my payments and was told I needed to be 3 months behind to qualify. 2nd, after falling behind 3 months denied due to NOT being current. The 3rd denial was due to " not making trial payments on a internal modification offer. '' The modification offer was on the last XXXX pages of a booklet which instructed me to fill out firms which were already received by the mortgage company. There was no reference to any modification being included in the packet. I did not thoroughly read through the entire packet and resent the forms that I previously sent, which were the same forms the packet requested. After sending the firms, again, I followed up, and to my surprise, was told about the " modification offer ''. I went through the packet and found it on the last XXXX pages. The offer was the same interest rate and the mortgage being extended to 40 years. Although I was in financial difficulty, the offer would have saved a minimal amount of money and I felt it would only hurt my situation in the long run, knowing my XXXX. I called to discuss with my assigned rep. ( Whose name I have ), and was told I did have to accept the modification offer and by not accepting, it would allow my loan to be reviewed again for other, more helpful, modification offers. Within a week, I received a notice that I was denied for " not making the trial modification payments. '' After the 3rd denial, each time I was asked for the same documents multiple times. Each time I sent documents, through email, fax, and USPS. I have proof that all documents were received, including a documents from my account page on the mortgage company website, that states all forms required were received and the modification was being reviewed. I knew I was being pushed aside by the mortgage company, that for some reason was working very hard to not help me with the modification but I thought at some point they would have to make me a offer if I hung in there and kept giving them what they were asking for. After the 5th denial in 1 year and do n't know where to turn. I have a wife and XXXX children and have drained my savings and feel my hands are tied. I have always worked and provided for my family. I feel the modification were being encouraged for people in my situation, if not who would they possibly be for. I would greatly appreciate any help you can offer.
04/21/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19131	Web
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Loan # XXXX To Whom It May Concern : I reside at the property listed above, which is my primary residence. I 'm experience difficulty with financing and the loan company of following through with hardship, I submitted a resident application mortgage included my Documents and pay stubs, on XXXX XXXX ,2017 which I received a denial letter on XXXX XXXX 2017, Bas e ' on the income was receiving was to high basically I made too much they quoted. On XXXX XXXX 2017 I g ot a phone call from my job explaining to me that the company I was contracting for did not extend my contract and I was now out of a job, but was grateful to gain another job for less money, So I reapplied another resident application to Ditech again with the standard documentation they needed on XXXX XXXX 2017, I r eceived a letter in the mail stating that they did n't get the income documentation part, I called ditech and explain to the customer service rep that I just started a new job and I do n't get a paystub or letter of employment not just yet but I do have my Proof of my XXXX documentation that show the amount I get a month of XXXX a month, they understood and told me to submit the document to them, On XXXX XXXX 2017 I calle d Ditech on XXXX to check the status and yet again it was denied I ask how did they determine the status they replied base on my XXXX and paystubs I never send them any paystub, so I was declined base off a faults information before I could explain it the situation they over talk me and hung up I waited on XXXX XXXX 2017, and called Ditech back and got another customer service rep and I explain to her about the denial letter and she told me to write them appeal letter explaining everything I just explain to her and fax it over which I did submit the letter including a copy of proof of XXXX and my start date, rate and hours of my now employment .I waited fo r 48 h our and called back on XXXX XXXX 2017 to check on the status of my appeal and the customer service rep told me that my the appeal was denied I ask why he said I did n't have no rights to appeal thank and bye and now all I get is a answering machine now. Please review my application I do n't believe I was reviewed for a loan Mortification properly. I am schedule for sheriff sale XXXX XXXX , 2017 Thank you for just take the time to read this, hopefully I can hear back from you, my Phone number XXXX if you have any questions.. . Sincerely Yours
01/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 549XX	Web
GreenTree/aka Ditech XXXX XXXX XXXX XXXX XXXX XXXX sold our mortgage to GREEN TREE who never notified us we had no ACCT # when we found them with the help of XXXX they took all of our next XXXX payments & applied it towards interest? 6 mnths to straighten that out!! Green Tree than with held our disability/accidental insurance payment in UNapplied Funds ... 3 mnths to FIX!! Talking to our XXXX insurance now we pay them direct & we spent another mnth getting the funds we paid to GT that was for insurance!! Than they pertain to buy us insurance they said we had no homeowners .GT was now going to bill us for more expensive insurance!! I took the letter to our insurance Company from XXXX to XXXX my insurance company FAXED the paper work 6 times & GT kept saying they were not getting it!! They keep our over payment in UNAPPLIED FUNDS They request & MAKE ME FAX & send CERTIFIED letters $ $ $ $ cost me lots of $ $ $ to put it in writing to ask them to apply my payment to our PRINCIPAL ... so we are being CHEATED on our Balance because FUNDS ARE HELD BACK. Than they really SCREWED with our ESCROW CHECK & XXXX off our Treasure played games saying they have XXXX 'd the check..when they never did. Now they billed me {$150.00} for an over payment on Escrow and when I was requested to send that out it was NEVER FOUND/or Applied to our loan when GT/DITECH researched this my Representative From GT had given us the wrong XXXX XXXX XXXX for XXXX CA ... our principle is off!! Interest # s off!? payments not applied when received? Months of never receiving a STATEMENT so we could not see our BALANCE!! NIGHTMARE CITY that is what GREEN TREE/DITECH/ XXXX COMPANY HAS DONE WITH OUR MORTGAGE ..BUT I have the letters..the documentation the WITNESS 's & paper trail GALORE to back all this up and it is my Goal with the thousands of other people being treated this way & you can read their story 's on line just by punching in GREEN TREE!! They have a whole XXXX LINK HEADER STOP GREEN TREE? DITECH/XXXX COMPANY!! This is the worst Company EVER to get a LOAN FROM!!! Two Years every 30 days we have to call to get our unapplied funds applied to our principal this Company is CRAZY ..you get XXXX number XXXX..you are either put on hold, transferred or hung up on!! The one day they put me on hold & went home? Found that out when I called back the next day!! There are XXXX Links that I found with people /strangers from CA to Pennsylvania to Florida & I am in Wis. that tell my story on line and I do not know them? This Company needs to be shut down!!
04/05/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34608	Web
CONSUMER COMPLAINT RE : DITECH FINANCIALL LLC XXXX ( XXXX ) XXXX RE : PRINCIPAL PAYMENTS & DISCREPANCY ON PRINCIPAL BALANCE The XXXX issues of concern with DiTech Financial are : 1 ) Monthly principal payments of XXXX that are directed to principal payment only are not properly allocated. I have had to call DiTech customer service frequently to request monies to be reallocated to principal payment As a result of my frequent calling, I have been monitoring & printing my monthly on line statements for my record keeping. 2 ) My on line XXXX 2016 statement shows a principal balance of {>= $1,000,000}, the following month 's on line statement shows a principal balance of {$68000.00} a difference of {$1000.00}. I contacted DiTech via phone and email regarding this discrepancy. They sent me a letter via e-mail indicating my account will be reviewed and a written response would be provided with the 30 days of receipt of my email of XXXX XXXX, 2016. Additionally on XXXX/XXXX/16 I faxed a copy of my XXXX 2016 on line statement to DiTech ; clearly noting the principal balance of {$67000.00} this according to my records is the accurate amount. Yesterday, on XXXX XXXX I called DiTech once again, spoke with a supervisor, named XXXX. I relayed my issues of concern again. I shared I have not received a written response nor a response from the XXXX email I sent. She said a written response was mailed out along with audit of my account. I told her I did not receive it. While on the phone with her she e- mailed the written response along with audit of my account. The result of their audit shows the principal balance remains as {$68000.00}, a figure I do not agree with. XXXX shared the following : mailed statements vs. on line statements do not have the same figures. This is due to the maintenance of my account and payments being reallocated to principal. This explanation is not acceptable nor does it make sense. I am very concerned about this company 's business practices. I do not trust how they are handling my monies. As a result of my experience with DiTech Financial, I went on line and found a website with over XXXX complaints regaarding this company which I have included for your review : Top XXXX Complaints and Reviews about Ditech ... XXXX I would greatly appreciate your assistance with the issues of concern I have mentioned. In addition to investigating this companies business practices and how they are managing funds. If further information is needed, please contact me on my cell phone. Thank you so very much
07/11/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 90601	Web	Older American
A Ditech representative called and said XXXX XXXX of Ditech asked her to call and inform me that Ditech was denying my loan modification because I did not have a payment arrangement with IRS. When I told IRS they said to send them proof that Ditech told me they would not give me loan modification unless I have payment arrangement with IRS so I waited for the letter from Ditech stating the reason for my loan mod denial. When the letter came it said THAT I CANCELLED the loan modification request. THAT IS NOT TRUE! I then called Ditech and recorded the manager reading the notes on the computer where a representative on XXXX XXXX, XXXX who identified themselves as XXXX, noted that they were denying my loan modification because I did not have a payment plan with IRS. I RECORDED THE CONVERSATION and will have it transcribed if I need it for a trial. The representative said they would email me the note from their computer but nothing came. When I called that same representative again he said he was told he could not send the note and that he was told that if I wanted the note I would have to subpoena it. That would mean spending thousands retaining a lawyer. Please tell Ditech to send in writing that they denied my loan modification because I do not have a payment arrangement with IRS. This all stated when XXXX FORCE PLACED INSURANCE ON MY MORTGAGE EVEN THOUGH I have had insurance with XXXX since XX/XX/XXXX without a lapse. I sent them proof of insurance but they only refunded me partial amount of the fee for their forced placed insurance policy which threw off my escrow. I refused to pay the extra amount so they put my payment into suspense and started saying I missed a payment. They then sold my loan to Greentree, which became Ditech. I explained everything to Ditech that had transpired. Ditech asked XXXX to investigate. In XXXX XXXX XXXX admitted they had unnecessarily charged an added forced placed insurance policy and refunded {$1000.00} to Ditech but Ditech refused to waive the fines and fees for all the months they said I was missing a payment. So I asked for a loan modification to get rid of the fines and fees. That is when Ditech refused to give me a loan modification because I do not have a payment arrangement with IRS. Ditech started returning my payment each month and is set to auction my property on XXXX XXXX, XXXX. I inherited this home from my sister, XXXX XXXX, who died in XX/XX/XXXX. If you have any questions please call me at ( XXXX ) XXXX. Sincere thanks for your help. XXXX XXXX XXXX
06/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 953XX	Web
I make over-payments nearly every month. My account at with my mortgage servicer is supposed to be set up so that over-payments are automatically credited to the principal. However several times over the last few years Ditech has taken to diverting my over-payment to other " accounts ''. Several times they have taken to diverting my over-payment into an " Unapplied Funds '' account, as if I had not made the full payment due. Each time I notice it on my next statement, I have to call in and have the customer service representatives move the credit to my principal, and each time they tell me that my account is set up so that any over-payment is applied directly to principal as of the payment date and they " have no idea why this happened ''. They will " fix it '', and for stretches of a few or several months the payments are applied correctly again. Last month, my servicer diverted my over-payment to my escrow account, although I did not designate the over-payment to go to escrow. When I called in again for them to fix this problem, I got the same line from the customer service representative : my account is set up so that all over-payments go to principal, we have " no idea how this happened '', and she submitted for it to be fixed. This time I thought to insist on the application to my principal being back-dated to my payment date as well. As per my understanding of my account terms, all over-payments I make are supposed to be credited directly to principal. Each time I speak with customer service representatives they confirm this to be true, but the company just does whatever it likes with my money. I resent that I have to babysit my mortgage servicer. Carrying an extra hundred or two on the principal for a month or so costs a few dollars of interest, but if I was not quick to pay attention it would add up. This time, the one diverted over-payment was {$280.00}. When put into a mortgage calculator at the correct date, that one over-payment saves me {$490.00} in interest charges over the projected life of my loan. That is hundreds of dollars more profit to this servicer than I even suspected! By waiting just one month for me to notice and apply the over-payment, they might have profited an extra XXXX dollars and change from me, but it all adds up! As far as I see it Ditech is stealing by account terms manipulation, purposefully. They brag that they service XXXX loans. Granted not everyone makes over-payments but how many other people are they stealing from in this manner? It ca n't be legal.
01/24/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 782XX	Web	Servicemember
We started receiving letters from DiTech Mortage Company, that they were filing Bankruptcy and would keep us abreast of what was going on. As it turns out, DiTech " WAS NOT '' granted the authority by a Judge to file Bankruptcy, and was forced to SELL their accounts to another Mortage Company named XXXX XXXX. I am a 100 % Unemployable XXXX Veteran. I have been in this status since XXXX, and have progressively gotten worse as far as my health goes. Because of that, DiTech ALWAYS HELPED US OUT WHEN WE HAD PROBLEMS WITH OUR MONTHLY PAYMENT. We have been in our home over 20 years this Past XXXX. Throughout that time we had problems on occassion with making our monthly payment. DiTech always helped us out, with allowing us to break up the payment into XXXX or XXXX payments so as to stay up with our BALANCE OWED. In XX/XX/XXXX, DiTech returned our XXXX Payment without reason or fore-warning. When we called them, they explained that because of reasons " undisclosable to us '' they were " LIQUIDATING '' all their accounts, and that they had a right to DEMAND THAT ALL THE PAYMENTS THEY ALLOWED US TO SKIP ( because they were going to the end of the note, ACCORDING TO THEM AT THE TIME ), HAVE TO " NOW '' BE CAUGHT UP!! So they are DEMANDING {$15000.00} or they will foreclose on us. And, as they said, SINCE I AM ON A STRICT BUDGET BECAUSE WE LIVE OFF MY XXXX, THEY ARE FORECLOSING ON US BECAUSE THEY ARE ALREADY AWARE THAT I DONT HAVE THAT KIND OF MONEY. When I asked to speak with their XXXX XXXX to 'BEG ' them for help, they refused me. They said they " WILL NOT '' ALLOW ME A LOAN MODIFICATION, REFINANCE OR " ANYTHING ''. ALL THEY WILL TELL ME IS THAT THEY " ARE '' GOING FORWARD WITH FORECLOSURE PROCEEDINGS. I RECEIVED A LETTER ( DATED XX/XX/XXXX ) ON XX/XX/XXXX ( DAY AFTER XXXX ) THAT I HAD TILL " THAT DAY '' ( XXXX XXXX ) FROM A LAW OFFICE ( XXXX XXXX ) THAT REPRESENTS THEM AND THEY JUST SAID I HAD TILL THAT DAY ( THE XXXX OF XXXX, ) TO COME UP WITH {$15000.00} or " THEY ARE FILING FOR FORECLOSURE '' on my HOME. FILING BANKRUPTCY ISNT AN OPTION ( NOR SHOULD IT BE ) BECAUSE IT'LL take most of my MONTHLY COMPENSATION. According to XXXX XXXX ( XXXX XXXX ) here in XXXX XXXX Texas. I receive {$3200.00} and he said I would end up paying about {$3000.00} monthly if I filed Bankruptcy. MY Payoff is {$50000.00}. The House and XXXX acre it sits on is appraised at {$160000.00}. I'll lose everything I have if they are allowed to get away with this. PLEASE! PLEASE! I AM BEGGING OF YOU. PLEASE HELP ME!!!!
10/13/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SD 57702	Web	Servicemember
Upon examining the statements received each month from Ditech we noticed that the amount taken automatically from our account was more than the amount on the statements. We contacted Ditech and were told that it was authorized. We asked for the written and signed copies of said authorization and were told it would be mailed to us. On XX/XX/XXXX we called again, talked to XXXX XXXX who stated they can take more than the statement amount. We asked for the same documents as well as a pay off statement, loan origination documents, and a statement of all payments made to date. We received e-mailed documents of the insurance coverage and the amount paid to date. Today, XX/XX/XXXX we again called Ditech as they attempted to withdraw more than the statement amount twice ( Statement amount {$470.00} attempted to take {$580.00} ). XXXX took the call and stated that the extra amount was for insurance, which is listed as having already been paid. XXXX transferred us to Supervisor XXXX. Suddenly XXXX is stating that there is a fee for auto pay with is not listed anywhere on the statement nor on their website and that was the extra money withdrawn. Upon examining the statements received each month from Ditech we noticed that the amount taken automatically from our account was more than the amount on the statements. We contacted Ditech and were told that it was authorized. We asked for the written and signed copies of said authorization and were told it would be mailed to us. On XX/XX/XXXX we called again, talked to XXXX XXXX who stated they can take more than the statement amount. We asked for the same documents as well as a pay off statement, loan origination documents, and a statement of all payments made to date. We received e-mailed documents of the insurance coverage and the amount paid to date. Today, XX/XX/XXXX we again called Ditech as they attempted to withdraw more than the statement amount twice ( Statement amount {$470.00} attempted to take {$580.00} ). XXXX took the call and stated that the extra amount was for insurance, which is listed as having already been paid. XXXX transferred us to Supervisor XXXX. Suddenly XXXX is stating that there is a fee for auto pay with is not listed anywhere on the statement nor on their website and that was the extra money withdrawn. from bank statement : XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00} XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00} XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00}
07/31/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 337XX	Web
Our mortgage was transferred from XXXX XXXX XXXX. We had my husband had been approved for a National Unemployment forbarence program EFF XX/XX/XXXX thru XX/XX/XXXX. When our mortgage was transferred to Greentree, we called in XXXX to be sure that they had the approval for the program and that the XXXX months of payments would be added to the back end of our loan as promised. Just to be sure, and after speaking with " XXXX '' our new account manager, we faxed the approval to her and then followed up to be sure that they had it. We made a multitude of calls between XX/XX/XXXX, and XX/XX/XXXX, and we have received no amount that we can pay going forward on XX/XX/XXXX ; as XXXX XXXX XXXX told XXXX. We were willing to catch up on our XX/XX/XXXX thru XX/XX/XXXX payments, but XXXX told Us thaf our account was in foreclosure review with an attorney! We told her that they could not do that, because the XXXX month foebarence is a National Unemployment program approved by President Obama. She really became rude with us and just pretty much said that is the way it was. When I asked for someone above her, I was referred to someone who identified himself as a supervisor ; his name only given as " XXXX ''. When I spoke to him on or about XX/XX/XXXX, I had to repeat the entire story. He told me that he would see if he could get all of the late fees and legal fees removed. When I spoke to him again on XXXX XXXX, he said that they would not waive the fees and then proceeded to tell me that my husband 's foebarence was dated XX/XX/XXXX thru XX/XX/XXXX ; which I told him was absolutely not true! He was also argumentative and said that he did n't know what I was looking at and that he would need a faxx. I called immediately to a young man named XXXX at XXXX XXXX XXXX, and not only did he read me the letter confirming the XX/XX/XXXX thru XX/XX/XXXX dates, but he also faxed it to " XXXX '', at Greentree Servicing. We left another message on " XXXX '', voicemail, because XXXX would not give me a direct phone number. To date, we have still heard nothing!!! We are begging to start paying our mortgage, and in face have already paid off our {$29000.00} mortgage with their same company!!!! In good faith, we have offered multiple times to pay the XX/XX/XXXX thru XX/XX/XXXX, as well as the XX/XX/XXXX, and begin paying every month, thereafter. However, they tell us NOT to pay until they have had a chance to review. We are more than concerned that this is going on and on and therefore our mortgage gets further behind!!!
10/03/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 314XX	Web	Servicemember
I was with a company Called Green Tree Mortgage that wrongfully handled my mortgage on top of denying me over and over again for a modification and also accepting a program that i was approved for called the " The Home Safe of Georgia '' program, that would have been approve for up to 18 months had green tree accepted, allowing my husband and i to get on our feet due to occupation loss. I had the gold seal approval from this company and every thing was ready to go and Green Tree representatives would n't accept it, having me to result to filing bankruptcy to save my home so it would not go into foreclosure. It was n't until another company took over now, 2 years later i am approved for a modification with no problem. Green took extra monies from me that was over paid they have me up side down now in my home and now i am really just paying rent seems like until i can find my way. The representatives that worked for this company gave me the run around i sent inn documents over and over again whether it was through certified mail or fax with a conformation report, sending inn enormous amounts of documentations for them to say they did n't get it and the time period for the modification had expired. They made me and my family of trying to keep my home modified after my husband lost his job XXXX. My husband is a retired vet so that made us qualify for " Home safe of Georgia and they would not accept it made excuses like it was too late. Even Green Tree attorney at the time contacted them inference to accepting the program to keep from allowing my home to go into foreclosure and they would n't accept the program which was one of the programs they were known to work with, so the day before my home would have been sold i had to file bankruptcy. This company has wrongfully service individuals and have gotten away with it. My husband and i have lost a lot of money with this Mortage Company and almost lost our home that we both worked hard for. I need you all to please investigate my mortgage during the time it was under them and i am asking that i received every penny that i paid extra that should n't have been a fee and also for the pain and frustration this company took me through. Green Tree Mortgage which was a finance company should n't have had the power to do what they did to people. Also the employees who they had working showed no compassion for people they were rude and ignorant and down right disrespectful also the ones over them because the problem was n't corrected after complaining.
06/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75225	Web
I had a XXXX XXXX that I believed to be paid off as I was issued a Release of Lien in XX/XX/XXXX. When XXXX failed the mortgage accounts were absorbed by XXXX XXXX XXXX where it remained for several years. When XXXX XXXX XXXX got trouble around XX/XX/XXXX trouble the account eventually went on to Ditech Financial or Greentree as it was known then. When I was contacted by Greentree/Ditech They demanded I start making monthly mortgage payments as they were taking over for XXXX XXXX XXXX. I alerted them to the fact I had a release of lien and should not be making payments, I received no response, I started making mortgage payments in good faith and was current on these payments while hoping the problem would be found which it never was. I felt an obligation to as Greentree/Ditech had paid the property taxes even though I was supposed to pay them. The monthly payments started at {$300.00} a month and quickly climbed to close to {$700.00} a month, making for a financial hardship. I became delinquent in payments around XX/XX/XXXX while waiting during the investigation. I was offered a loan modification in XX/XX/XXXX ( although I never asked for one ) and received notification stating the payments were received and the modification had kicked in. Two weeks later they attempted to foreclose and denied offering any modification and stated no payments were received, Greentree/Ditech was unresponsive when copies of the payments were submitted along with the letter approving the modification which was not honored. There are over 15 written enquires which I initiated regarding the situation, all of which were answered by a letter of investigation, which was never followed up. Several of the responses, did not make any sense or relate to the questions I asked. Despite having a Lien Release Ditech continued it 's collection efforts, I was forced into Bankruptcy in XX/XX/XXXX efforts to save the property. They attempted foreclosure on 3 separate instances. It has been discovered in the course of bankruptcy that various documents Ditech produced were forgeries and fraudulent in nature, there was no response by them when they were noticed of this by them or their attorneys. Country property records do not show any tie between Ditech and the property in question. There are hundreds of pages of records documenting the information provided above and will be provided upon your request. Ditech was the subject of a XXXX XXXX dollar Class Action Lawsuit several years back for these same transgressions.
08/28/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 243XX	Web
This is the second complaint I have filed with you all against DiTech Financial through your company. I have to say you all handled the companies response and closed the case with NO documentation to prove the lies they told. We have had an account with DiTech Financial since 2006. We have never missed a payment and NOT I repeat NOT been late one single month all these years. But when our loan is due to mature on XX/XX/XXXX we have a {$6000.00} balance. How is this possible is what we asked and we have gotten nothing but the total run around. We have been hung up on, lied to and disrespected by this company for months. We filed a report with you all in hopes you protected your consumers instead DiTech tells you we owe this outrageous balance due to late fees and a cancellation on our automatic drafts for our mortgage payments. This is NOT true at all. We did cancel our automatic drafts 2 months ago because they had yet another company restructure and told us we had to set up one monthly draft instead of the biweekly drafts we have made for years. So we agreed and set it up and guess what they did took out 2 full mortgage payments in one month after they claimed they could not do that. Then we played heck getting the money refunded. This is all happening while you all were supposedly helping us resolve this issue of the huge balance. So instead of DiTech Financial researching the account they mail me a 38 page payment history with a generic letter saying you owe the balance. No information no explanation at all. Then they tell you all we owe it for late fees. Anyone with any common sense would know if we had {$6000.00} in late fees they would have foreclosed on our home by now. But you all believe it and they submit as proof the original loan agreement from 2006 how does that prove we have not made our payments and owe the balance. It doesn't and you all have the nerve to close the complaint and not even contact me to give me a chance to defend myself in this you say it has been completely resolved. For who I ask? You because it was not us. How horrible is this. This is Consumer Protection I think not! You all are as bad and as low down as DiTech Financial. You need to reopen this and actually require proof of the so called solution not write it all off to save some work!! Stop pretending you protect or even help all the consumers because if this is help NO ONE NEEDS IT!!!!! As for proof I have all 38 pages of my payment history I will be more than happy to send you! I am attaching it!
05/04/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80026	Web
The original amount in dispute is the amount of {$2200.00} for the escrow account as it relates to XXXX XXXX. This original amount was identified in the Annual Escrow Account Disclosure Statement dated XX/XX/XXXX. On XX/XX/XXXX, Mortgagor also began making the first of 36 scheduled Escrow shortage payments of an additional {$61.00} per month, in addition to the previously scheduled regular monthly mortgage payment, so regular monthly payments were not considered not paid in full and thus held in suspense. On XX/XX/XXXX, Mortgagor filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) after numerous failed attempts to obtain factual information to explain the shortage. On XX/XX/XXXX, Ditech answered the CFPB complaint. Mortgagor was unsatisfied with Ditechs answer but failed to reply to CFPB by the deadline. Mortgagor called the legal department at Ditech on XX/XX/XXXX, but was unable to speak to anyone on that day. * On XX/XX/XXXX, Ditech sent Mortgagor an Annual Escrow Account Disclosure Statement stating another Escrow Shortage amount of {$1700.00}. Mortgagor is currently in a 36 month payment plan for the original Escrow Shortage amount of {$2200.00}, which Mortgagor still disputes as owing. *There is approximately a 40 day period whereby Mortgagor requested that Ditech cancel its escrow for property insurance ( letter dated XXXX ) and Ditech thereby agreed ( letter dated XXXX ) ; Mortgagor then requested escrow for property insurance be started again ( letter dated XXXX ) and Ditech thereby agreed ( letter dated XXXX ) ; the original issue remains, however, why the original shortage of {$2200.00} is due and owing, an amount that was noted in the XX/XX/XXXX Annual Escrow Account Disclosure Statement, prior to any of the property insurance issues. Ditech claims it was the property insurance escrow issue on XX/XX/XXXX that caused the shortage. This answer is not satisfactory since the chain of events was subsequent to the original shortage notice date and Ditech has yet to explain the discrepancy. As a Mortgagor, I have been frustrated with not only the accounting of our Escrow Account but also the communication by Ditech and the inability of Ditech to show us evidence of a legitimate debt due and owing. Mortgagor is requesting an accounting of this escrow account and an explanation by Ditech of the original escrow shortage amount of {$2200.00} on XX/XX/XXXX. Mortgagor disputes owing this amount until an accounting and an explanation have been provided.
10/21/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 952XX	Web	Servicemember
On XX/XX/XXXX We applied for and were approved on XX/XX/XXXX for a re cast of our current XXXX XXXX Mortgage based on a principle reduction that was paid by us. We overnighted the notarized agreement for modification, re-amortization that Ditech sent to us on XX/XX/XXXX via the XXXX XXXX envelope they provided us. It was received and signed for by XXXX XXXX at XXXX on XX/XX/XXXX at Ditech XXXX XXXX tracking XXXX. I called to confirm on XX/XX/XXXX that they had received the documentation and also to confirm that they received our XX/XX/XXXX payment as they cashed it but not applied it to the account promptly. They told me that the recast was already finalized and that the payment made was at the old amount of {$2700.00} and the new Mortgage amount was {$1800.00} which they would apply the {$1800.00} to the XX/XX/XXXX payment and the remaining {$910.00} to principle. They did this and the account currently shows correct on their website with the new payment being due XX/XX/XXXX at the new amount of {$1800.00}. I assumed everything was fine because that is what I was told and the website reflected it correctly. I then received a letter from Ditech dated XX/XX/XXXX stating the recast was not finalized and it included the documents that I previously notarized and sent to them for signatures again. I called Ditech on XX/XX/XXXX and spoke to XXXX who told me yes the recast was finalized on XX/XX/XXXX. I asked for the Agreement signed by Ditech and she said she had to transfer me. I then spoke to XXXX who was very rude to me and transferred me to XXXX. XXXX told me at first that they never received the notarized documents from us as they do not show in there system. I told her we had the tracking number to prove it and she placed me on hold and came back and told me that the recast was finalized that day they received them on XX/XX/XXXX. She could not provide me with accurate information and I asked how my account shows the new payment in their system and they are taking payments in at the new amount but they can not provide me with the signed agreement. This could cause problems with future payments and I could be late as I do not have 100 % proof they signed this agreement and they are telling me they my not even have the documents that they received. I would like Ditech to provide me a copy signed by them of the agreement for modification, re amortization, or extention of a mortgage as I have a right to the document for my records. I hsve the right to accurate information as a consumer.
04/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 97128	Web
I received a letter from Ditech Financial LLC stating : " This is a legally required notice. We are sending this notice because you are behind on your mortgage payment. We want to notify you of possible ways to to avoid losing your home. We have a right to invoke foreclosure based on the terms of your mortgage contract. '' The letter continued on with the options BUT the reason this is an issue is that I have made the final mortgage payment. I obtained a payoff quote on XX/XX/2019 stating the amount of the payoff on the account was {$460.00}. I was informed the funds needed to be certified and sent to the payoff address instead of the regular payment processing. I obtained a money order from XXXX XXXX in the amount of {$460.00} dated XX/XX/2019. I then mailed the payoff quote and money order to : Ditech DEPT CH XXXX XXXX XXXX, XXXX through my local post office with tracking. Tracking # XXXX which was said to be delivered on XX/XX/2019. On XX/XX/XXXX I called Ditech and spoke with XXXX ext. # XXXX to ask why I still had a balance on my account that was showing past due {$460.00}. She informed me that my payoff check had indeed been received and was processed on XX/XX/XXXX but that their computers were being upgraded so that nothing was showing as to the account being cleared and paid off. She told me to call back in a wee and it would be taken care of by then. So I then looked at my account on XX/XX/2019, a week later and the balance was now showing {$690.00} past due. I again called Ditech and the person I spoke to didn't give me her name. I explained the whole situation again and asked how can I have an increase in balance a week later when the payoff amount would be the TOTAL due on the account and nothing more. I can't owe more than what the payoff amount is. She told me the system is updating and I just need to be patient and there is nothing she can do. I told her that now its saying past due which is being reported on my credit as late payments and she said again there is nothing she can do because the system is updating and it will get fixed when it gets fixed. I informed her they can't do this and my credit is being affected and I will be getting a hold of a lawyer and she hung up on me. I have all the documentation of when the check was received and the exact payoff letter. I can not be in foreclosure if they would process things in a timely manner. Basically the money is there but not applied to my account and they are adding on more payments even though they can't do that.
07/07/2016	Yes	Credit reporting	Incorrect information on credit report Account status	CA 95648	Web
On XXXX/XXXX/XXXX at approximately XXXX XXXX I called Ditech regarding a credit alert I received from XXXX Credit Monitoring, provided through the Fed Govt, regarding a past due payment of 120 days or XXXX or more payments that had posted on XXXX XXXX, XXXX. The XXXX email was sent to me on XXXX XXXX, XXXX. On XXXX/XXXX/XXXX I noticed a credit score on my XXXX XXXX had dropped from XXXX down to about XXXX which was confusing and concerning so I got on my computer to recheck the CSID email that showed the alert from Ditech XXXX When I called Ditech I spoke to XXXX and explained that what I had found on XXXX and that I did n't know who or what Ditech was, XXXX informed me they were previously Green Tree. After pulling up account info they had under my name it had reflected a prior loan that I had with them which was sold back in XXXX XXXX which I had done a short sale on. XXXX had never seen this issue before and put me on hold to ask a supervisor about it. When XXXX returned she informed me that Green Tree / Ditech had updated some previous accounts that had been missed in the past and that mine was XXXX of them. She told me that these updates should not reflect a negative impact or score on your credit, at which point I informed her what started my inquiry into all of this was noticing my credit score drop on my XXXX XXXX XXXX then told me that because this was something unusual that she was going to email my information up her chain to a supervisor so they can get it resolved and make sure my credit has not been negatively impacted. I provided XXXX my phone number and she stated that I should be getting a call back within 7 days with everything resolved. I checked back with Ditech 7 days later and was informed that XXXX had sent my case to the wrong department and it was kicked back sitting idle with nothing being done to resolve the issue. The Ditech representative assured me that she would forward it to the correct department for resolution, I am still wating for a response. On XXXX/XXXX/XXXX I contacted XXXX and they informed me that Ditech showed me as having XXXX accounts, XXXX of which was closed back in XXXX XXXX with no outstanding balance and the second account showing active with a balance of {$140000.00} and being 180 days late in payment as of XXXX and XXXX of XXXX. XXXX stated that the second account did show the same loan amount as the first account and stated it looked as if Ditech resubmitted the first account again. I submitted a dispute with XXXX XXXX and XXXX.
09/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30078	Web
I bought the house at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX for {$290.00}. By summer XXXX there were XXXX mortgages on the property, XXXX held by XXXX, a 30 year loan with balance of approximately {$100000.00} and the other by XXXX XXXX XXXX, a HEQ line with an amount of {$120000.00}. In XXXX XXXX, when I rented out the property and moved to XXXX XXXX. The house was rented until XXXX XXXX, XXXX. The XXXX mortgage was assumed by Bof A for many years, and in XXXX they sold it to Green tree Servicing. The Home Equity line is still with XXXX XXXX. XX/XX/XXXX I began to investigate the possibility of selling the house, and perhaps on a short sale basis, in case my liability on the XXXX loans turned out to be greater than the value of the house. On XXXX, XXXX date I was informed during a call to Green Tree that the house had been foreclosed on by Green Tree, the holder of the XXXX mortgage. I have no documentation to to support this. At that time, the balance due on the first mortgage was approximately {$100000.00} and the balance due on the XXXX mortgage was approximately {$120000.00}. The fair market value of the house at that time was more than {$200000.00}. I have repeatedly asked Green Tree for an accounting of the proceeds of the sale, but have been unable to obtain any information about how much the house was sold for, to whom, or on what date. No transfer deed has ever been recorded in the public records. On or about XXXX XXXX, I was contacted by XXXX XXXX XXXX who represented that he had bought the house at the foreclosure sale, and asked me to sign a quitclaim deed in exchange for ( {$1000.00}? ). I do n't know if he is the actual buyer or a fraudster. At this stage, I do not know if I am still the owner of the property, or whether it has been sold. If it was sold, I do n't know whether is was sold for anything like the fair market value. I fear that the XXXX mortgage holder may have sold the property for far less than its actual value - enough to cover some or all of their loan, but not the XXXX mortgage, for which I would still be on the hook. I am writing because I have been unable to get answers to my questions from ( Greentree ) and its representatives, and I do n't know what to do next. At a minimum, I would like to know whether the house was sold, when, and for how much. If the house is still mine, then I would like to arrange a sale, possibly a short sale, that would take care of both loans. If I have no further ownership, I would like to know.
11/06/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22312	Web	Servicemember
Ditech, the company who services my mortgage loan violated my XXXX XXXX XXXX rights, as well as fraudulently added an escrow to my account in XXXX. At approximately XXXX XXXX, XXXX, I called Ditech to return a voicemail message. At that time, I found out that Ditech had added an escrow to my loan account, with no prior notification to me, in the amount of over {$19000.00}. In addition, Ditech violated my right as a XXXX member, as I have had XXXX waivers on file, beginning with Tax Year XXXX, with the XXXX County Tax Appraiser 's Office in Texas. I have had the mortgage loan since XXXX, and have made standard payments of {$880.00}. My payments have always been paid on time and in full. In addition, my property taxes were paid separately since loan origination. I have discussed the situation multiple times with various customer service representatives at DiTech. They acknowledged receiving the fax on XXXX XXXX, XXXX and keep it on file. At one time, a representative stated the taxes had been reported as delinquent. When I called the XXXX County Tax office, they stated no such report was made. In addition, the XXXX County Tax office called the XXXX County Appraiser 's office to ask the same question, while I was on hold on the other phone line, and verified that the Appraiser 's office also did not report the taxes as delinquent. During a follow-on phone call with Ditech, a representative apologized for the error and stated that the loan would be adjusted. During another phone call, a representative stated that once they receive a refund from the XXXX County Tax office, they would adjust the loan. When I called Ditech on approximately XXXX XXXX, XXXX, to request any form of documentation proof that taxes were reported as delinquent, the representative stated there was no hard copy and that it " may '' have been an electronic notification to them. In the same conversation, the representative stated they had received a " Redemption Report '' and had indeed been informed of a XXXX waiver. Ditech currently has a payment balance for the month listed on my monthly statement of {$6200.00}. In addition, my payments of {$880.00} have not been reflected in the monthly statements. They have also created a lien on my house. They amount on my credit report also reflects an erroneous balance, due to Ditech 's infringement on my XXXX waiver rights. Since the time of my notification, they have mailed out letters on refinancing and foreclosure and have failed to address the real issue.
09/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60164	Web
XXXX XXXX, 2015 the XXXX area went through a flood for the fourth time in less than ten years. As the residence go through the rebuilding and repair process, we find out that you are not in good hands with XXXX or Greentree Servicing ( Ditech ). XXXX insurance company finally released the funds in complete to myself and the mortgage company Greentree Servicing ( Ditech ). The funds have been in the hands of the mortgage company since XXXX XXXX, 2015 and still has not paid anything out. XXXX initially promised a check to take care of emergencies now, i.e., to take care of the water heater, furnace, etc. That never happened. They informed me that they should be able to release a check within 7 - 10 business days. Once again it never happened. In good hands is a statement that XXXX should not be using. They did n't take care of any emergency funds. After three and a half months none of the repairs have been completed because no funds have been released. All the paperwork has been filed with Greentree ( Ditech ) since XX/XX/XXXX. The mortgage company has made my contractor fill out the same tax paperwork now five times and there is only XXXX possible ways to fill this out. Since the flood I have been boiling water to take a bath. As it starts to get colder out now, I 'm having to use space heaters to keep the place warm. I have now stopped paying my mortgage so that I can either move out of have the funds to fix what needs to be fixed. On XX/XX/2015, I was called an XXXX by one of the Greentree ( Ditech ) employees for not knowing how to manage my money. I am now getting hang up calls from these people. They call me every day telling me that I owe them, but they do n't want to hear that they owe me for the services that need to be done. At this point I am being driven away from my house. I am getting sick from lack of hot water, lack of possibility to get warm, and there is mold growing in the house causing me to cough uncontrollably. I have no other options at this point, but to move. My health is now a factor and no funds are coming. How do I possibly get out of this? How can they expect me to stay here with the house in this condition? How can I be getting harassed by this company that wo n't help it 's customers? I do n't know what else to do, but move. They have made it so hard on just fixing my house. I 'm completely exhausted. Everytime I call Greentree ( Ditech ) it is over an hour on the phone and if they do n't cut me off, I get treated like I 'm the problem.
09/16/2018	Yes	Mortgage VA mortgage	Trouble during payment process	TN 37042	Web	Servicemember
I have that in writing greater than 10 times for account information to include everything that has been charged to us, Payments we have made and where they have gone and any notes on the account. I have communicated in writing to Ditech requesting all of the above account information Because I dont agree with charges that were made for months. We have a VA loan and we have been charged more than one late fee for several months and I kept telling them that is not right and it can not be greater than 4 % of the payment. One occasion they sent me a XXXX XXXX document ( that was manipulated ) and changed half the fees to NSF charges And I have communicated that this is not accurate in my bank statements can prove I did not get several nonsufficient fund charges.Ditech refused payment from the spouse and said they Did not have authorization to speak to me however Im the only one who makes the payments and they lost the authorization more than once. I have also had the VA reach out to Ditech to receive all the information and Three weeks later I received another manipulated document numbers did not match and it did not have any charges whatsoever Ditech charged. I am doing the math and I know thousands not be accounted for. I have demand of this information of all account charges and fees and payments And they are refusing to give me this information. They paid my homeowners insurance and drained the escrow account. I have asked repeatedly in writing why this was done for what reason and all the charges and late fees that were applied and additional interest occurred for a double late payment for months and months I do not agree with and I know this is wrong and against va regulations for servicers to do. Also my monthly payment has skyrocketed {$200.00} and this should not happen when taxes are lowered. Ditech is also a bully every time Im on the phone and collection practices are disgusting. They are breaking every consumer protection law and TRUTH IN LENDING law. I have never felt so bullied in my life. I can not see what they are doing however one of our VA representative was very vocal to make above all my other litigations, DITECH should be sued for XXXX!!! I see that they are a dirty company and Ive read about 60 other complaints within 2018 very similar. Ditech has a pattern. Ditech refuses to disclose ANYTHING true. Stop stealing and committing fraud!!!! Ditech is destroying families with their disgusting actions. Welcome to the start of your next class action.
04/12/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	AZ 85086	Web
Green Tree Servicing has initiated foreclosure action against me while failing to properly follow the rules and procedures set forth by the CFPB governing foreclosure : Notification of Foreclosure Alternatives : Servicers must let borrowers know about their " loss mitigation options '' to retain their home after borrowers have missed two consecutive payments. They must provide them a written notice that includes examples of options that might be available to them as alternatives to foreclosure and instructions for how to obtain more information. Green Tree has never provided " loss mitigation options ''. Direct and Ongoing Access to Servicing Personnel : Servicers must have policies and procedures in place to provide delinquent borrowers with direct, easy, ongoing access to employees responsible for helping them. These personnel are responsible for alerting borrowers to any missing information on their applications, telling borrowers about the status of any loss mitigation application, and making sure documents get to the right servicing personnel for processing. Green Tree had, in a letter, provided an agent for this account, XXXX @ extension XXXX. I have left numerous messages without ever receiving a callback. In XXXX & XXXX, Green Tree left door hangers on my front door that read " Important - Please contact us ''. The phone numbers on the hangers were not-in-service. Fair Review Process : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors - those with decision-making power over the loan - to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer. Green Tree has found it more financially compelling to proceed with foreclosure rather than work with the borrower as it would be too costly to do the latter. No Foreclosure Sale Until All Other Alternatives Considered : Once the servicer offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement, unless the borrower fails to perform under that agreement. Green Tree has never initiated " loss mitigation options '' as set by the rules of the CFPB, and therefore never worked with me.
11/02/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 53216	Web
My mortgage loan has transferred between multiple mortgage companies and services in a short time frame. From XXXX, to XXXX XXXX XXXX to Green Tree to Ditech in about late XXXX. In the process it appears that some of our payment history has been lost and continual changes in the format and communication of mortgage bills and escrow history have created what appear to be major errors in the reporting of my escrow balance. I wont this property with with a co-brorrowe who sometime around XXXX filed for bankruptcy. At that time, Green Tree discontinued detailed reporting of my payment history and escrow, but then after the bankruptcy was discharged began to state that my mortgage was past due and made reporting to the credit bureaus. Although I continued to make the mortgage payments, despite the bankruptcy situation with the co-borrow. While I did n't not agree with the reporting, I went ahead and made the increase payments in hopes of correcting my past due balance. Now, I recently received a notice from Ditech that my payments again past due. The customer service rep stated that it is due to a change in escrow amounts. I understand that taxes and insurance amounts can change and therefore create a difference in my payment on an annual basis. However, the Ditech statements are extremely confusing and all of a sudden the Ditech representative is stating that I have an escrow balance of over negative {$12000.00}. This makes absolutely no sense, if my payments are being adjusted to reflect and overage and/or shortfall of my escrow. So, how in the world can or WHY IN THE WORLD would Ditech continue to roll forward a negative escrow in that amount. That seems to be like an additional debt they are saying that I owe that I am not in a position to take on, or and I interested in taking on additional credit for this property. I have contacted them multiple times in the past and my co-borrower has also contacted them but keep receiving varying explanations. I feel like they are taking advantage of our situation with the handoff from Green Tree and the fact that they know a borrower will try to protect their credit and might just go ahead and pay WHATEVER they say is owed. I have never heard of a mortgage company accusing a borrower of owing an escrow balance of {$12000.00} when the loan balance is about {$45000.00}, the taxes about {$2300.00} per year and insurance of only {$700.00}. This loan has only been with Ditech for less than 2 years.This seems like a scam.
09/29/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT 84054	Web
On XXXX XXXX, XXXX I mailed in a check for payment of {$1400.00} for my mortgage. The check cleared as expected, and I thought all was good. It was not until the next month, that I noticed my payment balance was twice what it normally was. I thought nothing of it, and proceeded to pay my bill as usual, because any inquiries at such institutions fall on deaf ears. It was n't until XXXX, XXXX that I reached out to DiTech to ask why the payment amount was twice what it normally was, as a missed payment showed up on my credit report ( I have flawless credit, nearing XXXX XXXX. They proceeded to tell me that the payment for the month of XXXX was not received. Ok, how can this be? I ask the lady to investigate further ( she was awesome XXXX XXXX, and discovered the XXXX check was applied to only escrow ... .the entire {$1400.00}. This was done on behalf of DiTech, under NO circumstance did I direct them to do so. Is this a normal practice? No. Whoever received my XXXX payment in the mail applied the payment incorrectly, and not in accordance with procedure. I swiftly asked that the payment be corrected ( it was XXXX, and that the missed payment be taken off my credit report i.e., that DiTech draft and send a letter to the credit reporting agencies that this was a MISTAKE ON THEIR BEHALF, and that I ( the consumer ) did in fact not make a late payment. I was told this was completed in late XXXX, XXXX. However, upon recently getting another credit pull on XXXX XXXX, XXXX - I was reluctant to see that the late payment from DiTech was still on my Credit Report. Shame on them. I reached out to DiTech again on XXXX XXXX, XXXX to inquire about the error on their end, and have yet to hear from them XXXX as I mentioned earlier, these requests often fall all deaf ears XXXX. Please inquire about the credit report issues, and the complaint handling at DiTech. In accordance with the Title X of the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act of XXXX XXXX the XXXX XXXX XXXX established the Consumer Financial Protection Bureau ( CFPB ) and authorizes it to supervise certain consumer financial services companies and large depository institutions and their affiliates for consumer protection purposes. I, as a consumer, do believe that the internal policies and procedures at DiTech are not adequate to appropriately address issues or concerns with the FCRA, XXXX XXXX, and TIL acts. Please investigate my issue, and use this complaint to pursue any harmful acts at DiTech.
11/23/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92673	Web
XXXX : Requesting an accurate Payoff amount for XXXX XXXX CA XXXX from Ditech Financial. Ditech Account # XXXX XXXX. The loan was sold to Ditech Financial by XXXX and title transferred on XX/XX/2016 DItech is claiming I did not make payments after XX/XX/2016, and I did make all payments until XX/XX/2016. I proved this to them by providing bank statements showing an automatic withdrawal or a debit card transaction that took place each month. Because of this, they will not accept my mortgage payments since XX/XX/2016 and have sent several letters stating I am in default and am pending foreclosure. I can not get acknowledgement from the supervisor I spoke to that they received the bank statements that prooved the payments were made and that the matter is cleared up. The only info I have on him is this : XXXX the number is : XXXX ( this goes to an operator, not directly to XXXX ) The account number is : XXXX Ditech Financial LLC XXXX. XXXX, SD XXXX. I have an accepted offer for the sale of my home. I am trying to get the payoff amount from Ditech. Every page of the Ditech website has a different amount, as well as every document they send me via mail. ( See attached files. ) 3. Once a payoff is provided by Ditech, I need reassurance that the loan will be cleared, and that this would not effect either the buyer or myself in the future. Please see attached files. 1. payoff quote from Ditech XXXX 2. XX/XX/2016 mortgage statement from DItech ( the most recent I can get off the website ) 3. Recent letter received from Ditech regarding mortgage status. 4. XXXX Account status as of XX/XX/2016 5. Loan History from XXXX 's website XX/XX/2016 Additional information : you may refer to the previous case I had opened with XXXX, for XXXX years I worked with them over a clerical error they made where they withdrew funds from my account and considered me in default because of their error. This was finally resolved as of XX/XX/2016 and payments were made according to the resolution agreement, yet when the loan was sold to Ditech, Ditech did not get all the information. This has been over 3 years of incredible time consuming work that was forced upon me and I decided to sell the home so I could be done with all this situation, however, how I need a payoff and am getting different amounts from each source at Ditech. I would like them to honor the payoff amount on their website, however, I do not want them to come back later stating it was not paid. Sincerely, XXXX XXXX XXXX
01/04/2017	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	LA 701XX	Web
I submitted a loan application to Ditech Financial LLC, which is my current loan provider. I have a 30 year fixed rate loan at a 4.375 %. Based on my credit score, they informed me that I was eligible for a 30 year fixed rate loan at a 3.75 % interest rate ( APR 3.8 % ). I began the process of submitting all of the paperwork, and I was responsive within 24 hours to each of their requests. Even though my income has increased every year since the initial loan was made, they denied my loan application. After following up with my loan officer to explain that my income had increased every year, that I had provided all documentation substantiating that fact, and that I did not feel that the process was handled fairly, he wrote the following to me : If this is OK with you, I would like to take a new application and submit a completely new package to underwriting with all of the information completed and together. I believe we will have a greater chance of approval by doing this. The numbers look ok to me and I believe with a new package and a new underwriter looking at the file it will become approved. how does this sound to you? Please let me know if this is ok and I will rework everything and get you out the new paperwork today. I have been out for about a week so I am very behind and I am trying to get caught up. Not avoiding your call just on XXXX phone call then another. Please advise as I would like to do nothing more then to get your loan approved. When I inquired about the interest rate that I would be eligible for if I reapplied, and he stated that it would be a 4.5 % interest rate ( 4.79 APR ), which is higher than my current rate, and he falsely stated that this refinancing would save me money : That rate that we had on the old loan expired on XXXX, so we can not transfer that over to the new loan. Today 's current rate on a 30 year fixed rate is about 4.5 %, I would have to go in and make your new application to get the exact rate. But for an estimate a {$350000.00} loan with a 4.5 % interest rate ( 4.79APR ) makes the payment {$1800.00} which would save you {$21.00} per month. Given that this would be a new 30 year loan at a higher rate than I am currently under with the same provider, this information provided to me is false. I do not feel that the underwriting process was handled appropriately by Ditech Financial LLC and wish for the company to review my full income for a 30 year fixed rate refinancing at a 3.75 % interest rate ( APR 3.8 % ).
08/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 210XX	Web
My property is scheduled for Foreclosure Sale on XXXX/XXXX/15 by Green Tree Servicing , LLC ( GT ). Due to a security leak, my Personally Identifiable Information ( PII ) was compromised by Federal authorities. As a result, I have a freeze on my credit with the XXXX major Credit Bureaus ( XXXX, XXXX, and XXXX. ) To process my Loan Modification request, GT had to access my credit report and requested that I lift the XXXX security freeze. In response, I requested a temporary lift of the freeze for GT for a specific period of time. GT, however, still could not access my credit with XXXX. XXXX is the only Credit Bureau Green Tree uses. XXXX provided an Access Code ( for a " Selective Security Freeze Lift. '' ) which would allow only GT to access my credit report for a limited period of time ( another {$5.00} XXXX charge ). Green Tree was not able to use XXXX Access Code. There is no place to enter a code into GT 's system. XXXX, Loss Mitigation Dept., claims she has real time access to XXXX data, however, XXXX does not sign directly into XXXX credit system and can not enter the XXXX Access Code. I was instructed by XXXX that I would have to completely remove all Security freezes before they can access my data since she has no way to enter the XXXX Access Code. XXXX was informed there would be another {$5.00} charge to completely remove the freeze and another {$5.00} to invoke the freeze again. XXXX said that was the only way she could pull my credit. Although I did not want to open my credit information up for all inquiries because of my PII security being breached, there appeared to be no other option if GT was to continue with the Loan Modification process. After I initiated the complete security freeze lift with XXXX, GT still could not access my credit. XXXX 's supervisor told her she would have to wait until the next day to determine if they can access my credit. XXXX told me the entire Loan Modification would be on hold until she can pull my credit report. It appears GT does not have real time access to XXXX credit data although when XXXX was questioned, she said several times that she did have real time access. It appears that GT is batch loading credit data into GT 's system via overnight computer run. This has added at least XXXX days to processing my Loan Modification. A foreclosure sale is in less then a week. GT has forced me to abandon my prudent security measures making me vulnerable for additional fraud, and they still can not access my credit.
05/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 37716	Web	Older American
My XX/XX/XXXX payment was sent to Dietech on XX/XX/2016.One phone XXXX. I have spoken with as follows : Customer service-XXXX dont know her extension, XXXX ext. XXXX, and then to Manager XXXX-ext. XXXX. I was told by XXXX, they could see my payment, posted to what she called a ghost account. and ask me to fax proof that it was my money ( {$1000.00} ), so I faxed XXXX copies of bank my statement as this was an electronic payment form my bank, also called to confirm with bank payment was sent, I was told by my bank ( XXXX ), Dietech did receive monies. Talked with XXXX several time and she was suppose to send request to correct dept. to remove monies from wrong account and debit to my account, not done. Next Im talking to collections as Follows : XXXX-ext. XXXX, request he said was sent was to call back and, I talked XX/XX/2016 with XXXX-ext. XXXX. XXXX rechecked to see if request was sent and said it was, to call back. On XX/XX/2016 XXXX also said it was a posting error, not my fault, and there would be no late fees, or credit problems. In the mean time, I receive a package from Dietect telling me how to not be foreclosed on by Dietech. More upsetting. Called XXXX back on XX/XX/2016, still posting error not corrected, XXXX ext. XXXX says the computer system had been changed she was sure that was why my payment of {$1000.00} was posted to the wrong account. I ask for XXXX Manager, XXXX XXXX XXXX, He says the reallocations take care of this, His department has done what they should by sending the request to correct error, showing where money was and where it should be. XXXX XXXX XXXX said he would resend request and try again. I ask for number of they ( reallocations ), Dept suppose to correct error. XXXX XXXX XXXX - ext. XXXX said he did not know number. XXXX XXXX XXXX said I could call every 20 minutes of every day and that would not make a difference in getting the error corrected. Im angry, Frustrated, have spent hours upon hours trying to get error corrected, Im the only one who seems to care. Late fees were removed but still no posting of my XX/XX/XXXX Payment {$1000.00}. I spoke with XXXX - ext. XXXX, today XX/XX/XXXX, error still not corrected. She now says i should call back tomorrow, again. I dont know what else to do. Can someone check into this. I have also seen other complaints regarding similiar circumstances with Dietech. My Dietech account # XXXX, billing address XXXX XXXX XXXX, XXXX, Tn XXXX : Property address XXXX XXXX XXXX. XXXX, Tn XXXX
11/06/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30311	Web	Older American
In XXXX, XXXX I submitted a short sale application to Ditech. I was represented by a law firm. I submitted every document that Ditech requested to the law firm in a quick, timely manner. I submitted documentation, to the rep. for a total of 18 months. I had two buyers in a contract to purchase the home for the amount that was requested by Ditech. I am a senior who is facing expensive medical issues many of them are due to the stress that was associated with the long drawn out process of being denied to short sell the property. I have been in a financial struggle for two years. In spite of having two loan modifications, it was not feasible for me to keep the property secondary, to expensive maintenance, and high HOA fees. I am retired and have been living on a fixed income for the past 8 years. I had the home on the market in XXXX & XXXX the home appraised at {$310000.00} I have two mortgages on the home. I could have paid the home off prior to the recession and would have satisfied both loans. I retired in XXXX and kept the home for eight years until it became too expensive for me to keep. The same home in the XXXX of where I resides did not lose value during the recession the home built by the identical builder is appraised at {$400000.00} today. This is truly unfair. My home 's value plummeted to {$130000.00} during the recession. The appraised value today is {$160000.00}. Ditech, decided to foreclosed on the property on XXXX XXXX XXXX. I was never given a reason as to why the home was foreclosed on. I have an unheard of credit score. I have never paid a bill late or missed one. Ditech did not take my credit score into consideration. I have been treated unfairly by Ditech, for almost two years.There is no justification for not allowing me, a XXXX retired, widowed senior, who served this country for over 40 years as XXXX am a XXXX, my home which I invested my life savings into should have never been foreclosed. Now my credit record is ruined. I have requested a Deed-in-lieu however, I was informed that it is too late for Ditech to stop the foreclosure. Green Tree formerly, Dietch was fined {$63000.00} XXXX dollars in XXXX, XXXX for mistreating customers. They reorganized and changed their name to Ditech and the unfair treatment of customers, continue. I am requesting that CFPB conduct an investigation against these destructive practices that Ditech is employing against innocent American citizens especially seniors. Please protect me. Respectfully,
08/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92399	Web
I filed an insurance claim to my insurance company for damage. They issued me a check written to me and my mortgage company. I signed the check and sent it overnite express to the mortgage company. They re received the check XXXX/XXXX/2016 they never said what other information they would need. The only way I found out anything was by calling to make sure they received the check and asked how long before they would be sending me they money. That is when I was informed about all the different documents they needed before they would issue me any money. Mind you the documents they needed were not anything I was familiar with so I had to keep calling them to make sure I was sending the correct items. Every time I called I had to go through customer service and give my account number my name the property address and last XXXX of my social and my home phone and cell phone number before I could ask any questions. Each time I was connected to a different person. I was told so many different answers. Each person would tell me something they needed in addition to the I items I already sent. Other calls I was told they never received the items so I would have to fax the papers again. I faxed over to them 3 times the contractors list. Also 3 times the adjusters itemized list. Also the XXXX. They never once contacted me to say they have not received any of of my faxes. I would only find out when I called. I would be told yes we received it, I would call back in 2 days to see if the check has been released nd would be told no because we still need the contractors list. Even though I was told by another individual days prior that they had everything they needed. Each time they received any paperwork from I was told it would take 7-10 business days to review it. In 10 days I will be on the street with my XXXX dogs and my daughter looking for a place to sleep because my insurance will not pay any more housing for me. I do not have money for hotel stay for us and our dogs. This entire situation with the mortgage company has made me so ill. I stress all the time. My daughter is XXXX years old and has made her worry that we will not have a place to live when she starts school. My contactor has mentioned passing on my home because he has passed a couple of jobs up because we keep anticipating my job starting. I feel they are using my money for their gain and the employees they have are very incompetent I need my money now. I am the one who pays the insur ance not them.
06/10/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 973XX	Web
On XX/XX/XXXX I refinanced my primary residence. This transaction paid off the existing mortgage with Ditech in the amount of {$120.00}, XXXX [ document available but not included due to personal content ]. At the time of this transaction there was {$4500.00} in escrow with Ditech. On XX/XX/XXXX at closing the new mortgage company paid XXXX property taxes in full {$4000.00}. XX/XX/XXXX XXXX XXXX XXXX XXXX received a payment for full taxes by Ditech. XX/XX/XXXX I received a check for XXXX from Ditech as the balance of escrow [ document included ]. XX/XX/XXXX I called Ditech and talked with XXXX. XXXX stated that the reimbursement was already in process and would be complete on XX/XX/XXXX. XX/XX/XXXX I called Ditech to see if the action had been completed and was told XXXX was the scheduled date. XX/XX/XXXX I called XXXX XXXX who reported that the reimbursement was made on the XXXX. Printed copy of XXXX XXXX Tax Statement indicates two payments were received one on XX/XX/XXXX and one on XX/XX/XXXX. It also shows one reimbursement on XX/XX/XXXX. This is included in the documentation. XX/XX/XXXX I received documents saying my load had been paid in full with Ditech. Cover letter included in documents. XX/XX/XXXX I received original loan documents from Ditech. Cover letter included in documents. XX/XX/XXXX received tax document FORM 1098 dated XX/XX/XXXX with Taxes Paid {$4000.00} document included. XX/XX/XXXX I called Ditech only to be told it would be 10-20 days before I would see my check. XX/XX/XXXX I called Ditech twice only to be hung up on. XX/XX/XXXX I called Ditech there is no record of my account. XX/XX/XXXX I contacted our mortgage broker explained the situation and asked for assistance and advice. He explained Ditech had been sold to XXXX and to call the new company. XX/XX/XXXX I called Ditech where I spoke to manager XXXX who was going to investigate this situation and call me back. I told him that I would wait on hold and he told me no he would call me back. XX/XX/XXXX I called Ditech their phone was disconnected. XX/XX/XXXX, XXXX, XXXX, and XXXX I called XXXX. XXXX is an umbrella company for three mortgage companies and you can not proceed through the phone tree without a NewRes account number. Personal contact is not available. XX/XX/XXXX I contacted XXXX XXXX, Real Estate Attorney. XXXX said this is really unusual and I needed to file a complaint through the Consumer Finance Board and he could not help me.
10/21/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	OH 457XX	Web
I represent a family in Ohio whose mortgage was a XXXX mortgage, then owned by XXXX XXXX XXXX, and now Green Tree Servicing, LLC, or Ditech Financial, LLC. The mortgage was wrongfully foreclosed to begin with, but despite the Stipulated Entry between CFPB and Green Tree, Green Tree has made no effort to put a hold on the foreclosure proceedings, even though the family 's mortgage falls within the date range of affected mortgages. The family had a loan modification agreement with XXXX XXXX XXXX which they executed right before the mortgage was sold to Green Tree. Also prior to the mortgage being sold to Green Tree, the zone in which the house is located was re-zoned and the property taxes on the house increased significantly. The family entered in to an agreement with the County Treasurer to pay the taxes in ten installments. Despite their agreement with the Treasurer, XXXX XXXX XXXX stepped in without any prompting on the family 's part and paid the entire balance for the property taxes, rather than the smaller payment the family had originally contracted for. The money was added to the family 's escrow account and the monthly mortgage payment, too, increased significantly. Next thing the family knows, their mortgage is sold to Green Tree and their checks are being returned stating that the amount on the check is not enough to make a payment and the late fees started adding up at this point. This all occurred despite the fact that the County Treasurer sent a letter to Green Tree telling them of XXXX XXXX XXXX 's mistaken overpayment of the taxes. Eventually, Green Tree began foreclosure proceedings. This has gone on for the last eight months despite the Stipulated Entry between your agency and Green Tree. Green Tree 's lawyer is actually the person who relayed the Stipulated Entry to me, so it is obvious that they know that this exists. The problem we have right now as the end of the case nears as the trial date gets closer and closer, is enforcement. How can an Ohio Court enforce a Federal consent order? Green Tree knows that it is subject to the terms of the Agreed Entry, but has willfully chosen to proceed, rather than stay the foreclosure in order for my clients to go through an investigation and loss mitigation options, such as a loan modification, which they are currently completing the application for. However, if the mortgage is allowed to be foreclosed upon, it wo n't much matter whether or not they are approved for a loan modification.
10/23/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CT 06489	Web
On XXXX XXXX XXXX I decided to take a loss mitigation option provided to me by my mortgage lender Ditech. I applied for a short sale on my home. I then called every week to see how the process was going and was told by numerous reps that my application was in process and even received a letter saying so. In the first week of XXXX I called up and was told that my application was incomplete. I asked why everyone else told me it was in process and the rep had no answer for me. I then decided that because I had not received any interest or offers on my property that I would file an application for a deed in lieu at the end of XXXX. I called up Ditech spoke with a representative that told me all I had to do on my application was say that I wanted to vacate the property instead of sell. I did this and got my most recent pay information and resubmitted the application. I called every week for a month again and was then told at the end of XXXX that no one ever received my application, even though for the last month 4 different reps told me that I was in process. Furious, I asked what happened and was told that they never closed out my short sale app and that the other reps should ve done that. I re applied again for a deed in lieu in the beginning of XXXX. Again I was told for a month and a half that I was in process and then I began getting calls about flex loan modifications for my mortgage. I denied this option every time I was called but I nothing something was not right. On XXXX XXXX I spoke with a rep named XXXX and he advised me that my application for deed in lieu had not been reviewed because no one removed the flex loan modification so I could not even be considered for a deed in lieu. Finally he took down the flex loan modification and I re applied for a deed in lieu again. At the end of XXXX I was assigned a new account rep by the name of XXXX. She assured me that the application had been loaded into the system and was being reviewed. On XXXX XXXX I called and spoke with a rep named XXXX and she had told me that I never applied for loss mitigation assistance and that my app was n't in process and that XXXX was n't even in the loss mitigtion department. She reviewed my application and said it was incomplete again. Every time I talk to someone they tell me something different to do. No one ever tells me the truth and know I am headed towards foreclosure. Today I am applying for a deed in lieu for the fifth time. I have had it. Please help me.
07/27/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30253	Web
In XX/XX/XXXX I filed for Chapter XXXX bankruptcy due to my mortgage payment behind with at the time XXXX XXXX. The court was given an amount for my arrears balance and I was required to continue to make my monthly mortgage payments. At that time with XXXX. Mid XXXX I received a notice that my loan was now being serviced by GreenTree. So I began to make my mortgage payment via bill pay to them. Payments on the arrears balance came from the trustee and I made my monthly payments. At one point in late XXXX I became unemployed and I fell behind. My attorney work with the mortgage servicer work out an agreement in XX/XX/XXXX where I paid one catch up payment of XXXX and an additional payment of XXXX each month for six month. Thankfully my bankruptcy was discharged and paid in full XX/XX/XXXX. However, at that point the mortgage servicer has now changed their name to Ditech. After 40 months in bankruptcy in XXXX Ditech submitted to the trustee that I still owed 4 months of payments. I contacted my attorney and the bankruptcy department at Ditech and ask for someone to please explain how this was possible. I made all of my payments and I request a payment history from the company. Each time I requested documents or spoke with anyone the balance of what I " owed '' changed. I filed a formal dispute with the company via phone, and given the lack of cooperation I resorted to shame tactics on XXXX. Since XXXX I have tried to get a straight answer out of Ditech. I received only one detail email response back from the company and all of their information and dates on the email were incorrect and did not reflect payments I made. In additional I pointed out that their information in the email was completely different than the payment history I finally received via mail. It is now the end of XXXX and there is still no resolution. Ditech/Greentree received fines by this agency and the Federal Trade Commission just two years ago for these same tactics. Poor recordkeeping, collection notices sent while the customer is disputing the debt. Nothing seems to have changed with them. But I know it is unreasonable to expect me to pay back monies I already paid due to their poor recordkeeping. meanwhile I am still making my current monthly mortgage payments each month only to have the monies applied to an arrears balance that is not accurate and that I do not owe. Attached are copies of the Order Denying Motion for Relief from XXXX-My written dispute letter with Ditech.
07/02/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA XXXXX	Web
I am writing CFPB again in response to DiTechs comments and because I am still seeking relief per CFPB from DiTechs harassment, which is beginning once again, already. DiTech is AGAIN Ballooning my account balances and sending me threatening monthly letters as if they are unafraid of any legal action against them or the revealing of their cycle of threatening and harassing actions against me through my post to CFPB and other agencies. As you will recall I received through DiTechs methods a letter : 1 ) OnXX/XX/XXXX stating that I could get help to pay their fictitious balance of my account ( DiTech ballooning my account balance over 2 monthly payments ). 2 ) OnXX/XX/XXXX I received another more harassing and threatening letter stating that DiTech will accelerate default into foreclosure unless I pay a certain amount of money to them. They stated that this fictitious amount is the TOTAL AMOUNT DUE of the months through the date of the letter as the date of the letter reads. ( NOTE : I paid this amount in 2 installments BEFORE the due date. ) 3 ) I also made a XXXX payment 4 ) So the question is : How can I then receive a letter the following month,XX/XX/XXXX, starting the cycle of harassment over again, stating that I can seek help for over 2 months of unpaid previous payments? This after paying payments for a letter that states TOTAL AMOUNT DUE. 5 ) How also can that same months billing statement reflect over 3 months past due? XXXX Billing statement shows me owing still {$1900.00} and then next month, XXXX Billing statement, shows me owing almost 2xs that for almost 4 months of payments at {$3100.00}. 6 ) More importantly, I paid over {$1900.00} Before XX/XX/XXXX and the payments listed for me through DiTech, for that month are only {$1000.00} Where is the rest of the money I paid? 7 ) The 2 payments I made in XXXX are NOT AT THE BOTTOM OF ANY BILLING STATEMENTS. They should be at the bottom of at least Mays Billing statement, BUT SOMEHOW HAVE VANISHED Please request documents as I have sent most in the previous complaint to you. While others are on the DiTech site webpage letters dated XX/XX/XXXX and XX/XX/XXXX are not on the site but were mailed to me and have been submitted to CFPB. If you need more documents please let me know. I am sending this complaint because while I have responded to the companies response on this site I do n't know if you received it so I am opening up a new opened complaint referencing # 's XXXX, XXXX, and XXXX
07/06/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	AZ 850XX	Web
Green Tree Servicing , LLC. XX/XX/XXXX-Present Green Tree Servicing deceptive business practices against us in connection with our loan related to but not limited to deceptive servicing practices, deceptive and harassing collecting practices, deceptive and unfair credit reporting. deceptive acts and practices regarding and related to our short sale including an XXXX hour demand upon us and forcing us to pay an additional large sum of money in the approx. amount of ( {$9700.00} ) before Green Tree would release their lien, jeopardizing one short sale and in violation of negations with us and our lawyer for the short sale of our home ; delay of the short sale ; Green Tree referral of our account to loss mitigation in direct violation of our agreement and false and misleading negotiations with consumer ; failure to report our payments since XX/XX/XXXX to any credit agency ; intentional and malicious interference with our correcting inaccurate credit reporting with XXXX, failure and refusal to provide any us with any statements, payment history after numerous requests ; failure to abide by written short sale agreement and reported as loss mitigation ; false and misleading debt collection practices at our employment and home ; refusal and failure to recognize our joint written agreement related to short sale ; early morning and late evening harassing phone calls. The following documents are key documents regarding the actions described above but are not limited to the following and incorporated herein by reference. Affected consumers attempted to upload such documents and did experience problems with same:1. XX/XX/XXXX Payoff Agreement between Green Tree and affected consumers. 2. XX/XX/XXXX letter from XXXX XXXX, XXXX. to XXXX XXXX, Green Tree. 3. XX/XX/XXXX HUD-1 Settlement Statement - {$9700.00}. 4. XX/XX/XXXX letter from Green Tree to affected consumers - affected consumers account turned over to Recovery Department - Loss Mitigation. 5. XX/XX/XXXX recorded Partial Satisfaction of Deed of Trust. 6. XX/XX/XXXX letter from XXXX XXXX, XXXX. to Green Tree. 7. XX/XX/XXXX letter from XXXX XXXX, XXXX. for Credit Reporting agency dispute of reporting by Green Tree. 8. XX/XX/XXXX letter from XXXX XXXX XXXX to XXXX dispute of reporting by Green Tree. 9. XX/XX/XXXX letter from XXXX to XXXX XXXX deleting Green Tree reporting to agency. 10. XX/XX/XXXX letter from Green Tree regarding affected consumers attempts to resolve inaccurate reporting.
04/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33064	Web
Submitted a loan modification request for assistance via facsimile on XX/XX/XXXX and have been calling Ditech ever since. Everytime we call they put us on hold and say they are sending for review. Here is the following timeline : XX/XX/XXXX Spoke to XXXX ID # XXXX and he stated the underwriter is requesting the following documents : XXXX ( 4 pages ), XXXX, mortgage statements for other properties, and lease agreements. Faxed conditions to lender at XXXX. XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and he stated the only thing the underwriter is requesting is the XXXX tax returns because the copy they have is missing some pages. I faxed conditions to lender at XXXX. XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX which stated as of XX/XX/XXXX notes the file is still pending review from the underwriter. XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she stated the file is in review with the underwriter and the Loss Mitigation Representative assigned to the file. XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she stated the file is still in review with the underwriter but she was going to submit an escalation request to see why there has been no movement or no other docs requested. XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she is actually the relationship manager assigned on this file. She stated the file officially went to the underwriter with all of the documents they needed on XX/XX/XXXX. She said they have been extremely backed up because of the last 3 natural disasters but they are finally catching up on files. XX/XX/XXXX Spoke with XXXX at Ditech advised me he needs mortgage statement and property tax for property XXXX and a current lease for property XXXX. Fax to send docs XXXX. XX/XX/XXXX Called lender and spoke to XXXX ID # XXXX and she stated the last update was on XX/XX/XXXX and the file is still in review with the underwriter. XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX which kept me on hold for 30 minutes to then tell me the same thing as always. She tried to reach out to the underwriter to get an update but there was no update so she sent them an email and it's just the same back in forth every time we call! Will file CFPB complaint. As you can see this has been ongoing and the file has yet to be reviewed. Nor do we even have a written acknowledgement that they received the application for assistance or a letter from them advising any documents are missing.
12/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 015XX	Web
Refianced our mrtg with XXXX in XXXX 2015, had free month of XXXX not pymnt due, made XX/XX/XXXX pymnt to XXXX. At the end of XXXX were contacted by Green Tree telling us that we owed them the mrtg pymnts, showed proof that payments were made to XXXX XXXX via bank statements. Was told to make pymnt to Green Tree instead which we did for XXXX, in mean time while investigating the payments for XX/XX/XXXX we were reported as being 60 days late in XXXX when all payments had been made on time. Our XXXX pymnt was applied to XXXX and XXXX pymnt was applied to XXXX, which they reported us at that point of being 60 days late for XXXX. On XXXX XXXX XXXX returned XXXX payment to us and we contacted Ditech immediately and made that paymnt back to them. We also made our XXXX pymnt to them which was completely cleared from our account on XXXX XXXX and was not applied until we contacted them on XXXX XXXX. Instead of applying the pymnt and post dating it back to XXXX XXXX they left it at the XXXX which then made us late and we were once again reported as being late. We once again contacted Ditech and after speaking with a lead agent named XXXX we were informed that our account was a mess for several reasons. First Ditech was buying out Green Tree which changed their computer systems and things were a mess because of it. Second we were informed that the mortgage company can not report your credit status for the first 60-90 days, especially when XXXX payment was under investigation. XXXX XXXX was not supposed to return XXXX payment to us, they were supposed to forward it to Ditech. XXXX Ditech held our XXXX payment for unnknown reasons and when we called to have it corrected the person who applied it should have corrected back the posting date to the XXXX. XXXX was very helpful with clarifying the notes to the dispute department and I was informed that the incorrect reportings to the credit departments would be corrected by XXXX XXXX and XXXX XXXX. We received a letter in the mail from Ditechs dispute center informing us that all of the reporting of being late were correct and would not be changed on our credit reports. This is a very troubling situation for both my husband and I and if we had known what bad service and business service XXXX was putting us in, we would never have refinanced with this company. We have made the first 4 months mortgage payments to XXXX different mortgage company 's and not one of them could get it right. PLEASE HELP US!
12/01/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	DC 20016	Web
I have been working with Greentree, now Ditech as the second lender on a short sale since XXXX 2015. We received approval from the XXXX lender in XXXX 2015 and this was forwarded to Greentree along with a full short sale package, then resubmitted on XXXX XXXX, 2015. For the next 28 days I have submitted and resubmitted the same documents no less than 3 times with no comments or response to the documents until after my approval from the XXXX lender expired. on XXXX/XXXX/15 we were advised by email that our file was closed because we did not submit the documents that had been requested within 30 days. I have all of my outgoing emails to the nongse email address verifying that all that was requested was submitted and that there were no requests for anything additional or any corrections until XX/XX/XXXX and XX/XX/XXXX at which time we were told that we had 24 hours to return the documents that were being requested. This is a violation of CFPB regulations for loss mitigation servicing and it is the same violations that lead to the national settlement. They have delayed reviewing my file for approximately 5 months and then claim that I did not submit the required documents the day that my approval letter from the XXXX expired. Today I had a manager review the file and all of the documents that had ben requested were there. I then had to go over all of the income statement by statement to show them that the RMA was correct. I do not understand why I was doing their job for them, but in the interest of getting this approved, I took additional time to tell them on what page of the pdf they could find the income statements that match up with the bank statements and also the RMA. The final straw came tonight when I received a counter offer for {$580000.00} for a property that is worth {$430000.00}. the XXXX loan is XXXX so effectively what they have done is countered so that the XXXX and XXXX loans will be paid in full with no basis in actual market value of the property. The comps support an offer of {$430000.00}, we submitted a successful value dispute to XXXX when they countered at {$470000.00} and they agreed the property is worth {$430000.00} and issued their approval. I need help escalating this issue as I believe that this current response is retaliatory for my threat to file a CFPB complaint and the fact that the manager could see that the assigned negotiator failed to do what she was supposed to do so they want the file closed.
02/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95991	Web	Servicemember
We filed for chapter XXXX bankruptcy inXX/XX/XXXX. Since that time the mortgage servicer stopped sending me monthly statements showing the dates my payments were received and how the amounts from each payment were distributed. I attempted many times via phone call, email and letter to resolve this. They stated that since we were in bankruptcy they were not allowed to send us any billing information, even if we requested it. They would also not contact me for any reason. If i called and asked for a return call they would not respond, when I asked for them to send me a document showing how my payments were posted they would not respond. My attorney and I both sent letters giving them authorization to call, mail or email me so they would be exempt from the bankruptcy rules and they refused. The court agreed to exempt my first mortgage from the bankruptcy so we had to reaffirm the loan at the beginning of the bankruptcy and we made the payments to the servicer ourselves, not through the trustee. With this information their representative told me that no one is able to exempt any creditor from a chapter XXXX bankruptcy and that it was my trustee that made the payments. It was not the trustee. Finally about one year ago they sent me documents showing how they had applied my mortgage payments over the preceeding couple years. It was a spreadsheet that any average consumer would not be able to interpret let alone an accountant. Since we filed for bankruptcy in XXXX they had referred our account to their " bankruptcy department ''. Whenever we would call we would have to wait to be transferred to their bankruptcy department which is not their regular customer service group. In every attempt to reach our account representative we would have to leave a message and would not receive a call back. They also restricted what we were allowed to do on their website such as not being allowed to make payments online or download statements that showed how they had applied my monthly payments. The last time i talked with the account representative he stated that in order for them to remove us from post bankruptcy status and restore everything to normal which includes sending complete monthly statements we would have to provide another reaffirmation. They have been informed that the court does not require other than the first letter at the beginning of the bankruptcy as my lawyer has indicated and yet they still tell me I and my lawyer are wrong.
12/05/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA XXXXX	Web	Older American
I filed a prvious complaint ( XXXX ) about my mortgage servicing company holding extra funds earmarked for principle reduction in a non-interest bearing account. It took them five months and your complaint to get the funds applied. The following exceprt from a letter dated XXXX/XXXX/15, that I received from Ditech, " When an account is in active bankruptcy, Dtech can not apply overage payments to principal without court order and trustee approval. Additional funds would need to be considered by the trustee and possily result in a new bankruptcy payment plan. '' Is it Ditech 's perogative NOT to notify the trustee? If this preposterous statement is the truth then they are in violation with full admission of knowledge of the rules by the statement from their letter! The mortgage company ( there have been somany I wold have to research who held he mortgage at the time the of the filng ) was only used in the " means determination '' for our bankruptcy. It was our intention from day 1 to meet this obligation. We did so with 60 consecutive on-time payments to both the mortgage company and the bankruptcy trustee. Our payment plan which we completed sucessfully repaid all of our includeed creditors in full. Recently, I received a telephone call from Ditech collections about a " partial '' payment. They wanted an electronic payment over the telephone with a service charge. The loan that Ditech services assumed was an interest only payment which just recently went to interest and principle. Ditech never notified us of the change. Their claim is that they could not tell us because it would violate bankruptcy law if they contacted us about a debt. The bankruptcy was discharged XX/XX/XXXX and we just got our first regular statement form Ditech. I requested a payment history from Ditech for the bakruptcy period ( 5 years ). They claim that they have only serviced the loan for two years and can only provide a two year payment history. In this age of electronic records it is hard to believe that a payment history would not follow an account from financial institution to financial institution. I believe these practices to be both irregular and illegal. To claim that by " magic '' ( without any notification requirement by the mortgage servicing company ) I was supposed to know the new payment amount. This company is an affront to any sense of fair play or customer service. I am dealing with thm with no chice in the matter or any recourse!
01/30/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	ID 83642	Web
I filed a previous complaint about our mortgage company, Ditech. We thought it had come to a conclusion and was thought to be completely resolved until I just pulled my credit report and Ditech has reported us 'late ' and affected our credit, which they said they would NOT DO. Here is the original complaint : Our mortgage was sold by XXXX to Ditech around XX/XX/2015. XXXX had paid or annual taxes from our escrow account prior to it being sold. Ditech then also paid our taxes for the year resulting in a double payment. We received a refund check from our taxes being overpaid by the county and were confused. When we called XXXX to inquire, they informed us that our mortgage had been sold. We had no idea. There was absolutely no communication on XXXX or Ditech 's behalf of this move. We then called ditech to see let what was going on. They said to send them back the check, which we did. They then proceeded to charge us twice the amount for our escrow the following month. Our mortgage payment was on auto-deducted out of our account. In effect, our mortgage payment was almost {$600.00} more than usual. We, of course, were expecting our regular mortgage payment to be deducted from our account and were not prepared for an extra {$600.00} coming out which resulted in overdrafts and fees. We immediately called ditech to fix the situation. They said it would be fixed in 8 days. 5 months later it has still not been resolved or fixed. They keep billing us {$600.00} over our regular mortgage payment and refuse to fix the situation. We have called repeatedly, had to explain things to each new person over and over. No one will actually help us. They keep telling us it should be resolved in 8 days but when we call to follow up it is never fixed. Throughout this process we have been paying our regular mortgage payment because we have no idea what else to do. They are now treating us as if it is our mistake and sending us 'loss mitigation ' letters, putting notices of non-payment on our door and acting as if we are delinquent on our mortgage payments. We do n't think they have officially reported us to the credit bureau but we are concerned that they will. We have pursued a lawyer 's help but would rather not go through the hassle and expense. We are at our wit 's end. We have tried to refinance with another bank but since our mortgage is less than 2 years old we have little equity. We have also requested to handle our own escrow account.
01/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 90250	Web
I have a home mortgage loan with Ditech. My name is XXXX XXXX. My loan originated with XXXX XXXX XXXX XX/XX/XXXX. I purchased my home with over 30 % deposit and decide not to set up an an escrow account to impound property taxes. Several years ago XXXX sold the loan to Greentree financial, then Ditech took over Greentree loan. I have never been delinquent in paying my mortgage ever. My spouse pays the mortgage automatically through his checking account electronically. I received a Call from a Ditech XX/XX/XXXX debt collector indicating I needed to call them. They were stating they were debt XXXX. I called them and apparently they are collecting for taxes they paid and late fees. I paid the property taxes, but asked them to not impound the taxes. I requested they waive those junk fees, because I pay my own taxes as my mortgage documents stipulate. ( loan # XXXX ) I also asked for a proper verification of debt, they refused. They refused to undo the impound escrow account. I was transfer from rep.to rep. I paid the taxes, even though I did not have a verification of debt, cause online statement says they paid it on the XX/XX/XXXX. They were due on XX/XX/XXXX. I made a payment today of {$1500.00} to go the property taxes. I want them to provide an itemization of what they paid, to do a reversal of all the junk fees they put on. My payments have always been on time. they refused to let me speak with managers, and did not respond to the fax I sent XX/XX/XXXX. I do not want them to report my payments as late. they need to review the docs I signed with XXXX to see I pay my own taxes and insurance. this is a ploy to try and foreclose on my home illegally. Property address is XXXX XXXX XXXX, XXXX CA XXXX. The XXXX county treasurer tax collector said they have created a lot of problems for home owners such as me. I ask for your assistance to solving this problem, since no one at Ditech cares about fixing the errors they made which are causing me financial distress. They also sent a debt collection letter with some other persons name one it and a different collection amount. They admitted sending lots of these letters out in error. I believe they did this to collect fees in an illegal manner. This predatory lending practices and it is unethical. Please assist me if handling this problem and email me at XXXXXXXXXXXX This is so stressful. I never had a problem with XXXX XXXX XXXX when they handled the loan. Thank you, XXXX XXXX
05/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77062	Web
I have a mortgage through Green Tree Servicing and two months ago, I entered in the wrong payment amount and my mortgage payment was short XXXX ( XXXX cents ). Green tree accepted that payment and then I noticed that they attempted to collect my mortgage payment again, for {$1300.00}. The second attempt to collect another mortgage payment did not go through and then I started receiving the phone calls. Green tree called me at least once per day, sometimes two or three times a day demanding full payment ( {$1300.00} ). They threatened everything from reporting me to the credit bureau to raising my rates. They were rude, aggressive and verbally abusive. I asked to speak to a supervisor and was yelled at by the " supervisor '' as well. When I asked to speak to a supervisor, I was told that I had to pay the {$1300.00} first, or that I could not be transferred. Keep in mind that they still had the {$1300.00}. When I told them that I would pay XXXX on the next bill I was told that they " did not accept partial payments ''. I finally found another telephone number and called in only to be sent straight through to the collections department again. This time, they wanted to speak with my bank. I refused to let them, and then they demanded access to my bank statements. Again, I refused. I told them repeatedly that they no longer had permission to call my phone ( cell phone I do not have a home phone ) and that any further correspondence would have to be via mail. This did not stop them. The harassment continued. After XXXX weeks, the calls finally stopped. I paid the extra XXXX on the next bill and I did not have any more trouble until, when this month, I sold the house. The closing date was on XX/XX/XXXX. My payment was due on XX/XX/XXXX. I called on Monday, XX/XX/XXXX to make sure the wire transfer went through and, again, was sent straight through to collections and was treated like a criminal and they would not tell me the balance on my escrow account until I made my XX/XX/XXXX payment. Even after explaining to XXXX different employees that the house had closed only Friday, they were rude and kept repeating, " you need to make a payment '', " why do n't you just make a payment '' " i 'm not going to ( transfer you, help you ) until you make a payment ''. This company should be closed down for good. I see that they have been fined. This, apparently, did nothing to deter them from illegal collection practices, obviously.
08/11/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98036	Web
Ditech XXXX is in violation of 15 U.S.C. 1692e, a section of the Fair Debt Collection Practices Act ( FDCPA ) that prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Ditech has provided me a 3 page ARM note that they have claimed is the legal document allowing them to collect the payments for my mortgage. i have notified Ditech multiple times regarding issues with the XXXX page ARM note. The first issue is the endorsement that is on page 3 of one copy provided by Ditech the other copy they provided of the same document lacks the endorsement. The second issue is that there is distinct tick marks in three places on one copy of the document and void on the other copy of the document. In these two varying documents that are supposed to be the same and original to show a legal interest in my mortgage and the ability to collect payments it brings clout to which copy is original. The third issue is with my signature as it lacks certain traits that can be easily seen in other signatures made by me at that time on various other pages of my mortgage documents. It is my conclusion that XXXX has ignored my attempts to bring this issue to their attention and instead has disregarded them. They have fraudulently made changes to this document in an attempt to show they have a legal right to collect on my mortgage. There has been no explanation provide to why the same document has been provide by them to me with altercations made from one copy to the next. Ditech XXXX XXXX. Being the current servicer of the mortgage loan has failed to meet the requirements of licensing in the state of Hawaii or provide after multiple request such documentation showing that it has meet and followed all state law. They have violated both 454M-2 license required and 454M-6 requiring a license to perform loan modifications. 454M-2 License required. ( a ) No person except those exempted under this chapter shall engage in the business of mortgage servicing without a license as provided in this chapter. ( b ) No person shall engage in the business of mortgage servicing in this State unless the person providing services has a physical presence in the State pursuant to section 454M-5 ( a ) ( 5 ). ( c ) No person licensed as a mortgage servicer shall provide mortgage loan modifications or any other services that would require licensing pursuant to chapter 454F
05/05/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	ME 043XX	Web
My name is XXXX XXXX. Greentree Lending/XXXX XXXX XXXX XXXX are currently forclosing on my mortgage. Before I had this lender I was with XXXX XXXX XXXX for 2 years. With the help of EHLP I paid my mortgage on time every month for 2 years. XXXX 2015 : End of EHLP assistance. I contacted XXXX XXXX XXXX to apply for a making home affordable modification. I sent in required documents and waited. XXXX 2015 : I received a letter from XXXX that they sold my loan to Greentree and that Greentree would be picking up where they left off with my modification. XXXX 2015 - XXXX 2015 : I heard nothing. Not a bill, no follow up on my modification, nothing. XXXX 2015 : I received a bill for XXXX to XXXX mortgage payments from greentree. I notified Greentree that they were supposed to be working on a modification for me and they told me they had no record of it so I applied for another through them. XXXX 2015 - roughly XXXX 2015 : I received a request for additional paperwork. I mailed in the additional paperwork and no word. XXXX 2015 : I received a letter saying they did not get paperwork they requested so I was denied a modification. I notified them I wanted to re-file. XXXX 2015 : Greentree lending Began the process of foreclosing on my home. Went to a mediation and got the assistance of a housing counselor. Applied with her help for another modification. Surprise! This time they gave me an offer for a mod however I was not able to get a XXXX XXXX because now I owed too much of a back bill to qualify for the hamp XXXX XXXX a month payment. They offered me a hamp XXXX mod for XXXX per month which is XXXX whole dollars less than what I can pay now. I appealed without the help of my counselor. They responded after my 30 day trial with a denial letter. XXXX 2015 : Went to another mediation without my housing counselor. I told them I could not afford XXXX per month and they refused to negotiate with me further to help me save my home. They stressed a quick sale.About XXXX weeks later I received foreclosure paperwork in the mail. If Greentree had n't dropped the bomb to begin with on my original request for modification I never would have been denied a hamp XXXX modification! I feel like they are trying to forclose on me and make a quick dollar. I have XXXX kids XXXX dogs and XXXX cats. Where are we supposed to do. They wont even negotiate and it was n't my fault they never picked up the paperwork from XXXX XXXX XXXX!
11/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80401	Web
I am writing to formally dispute a credit reporting from Ditech on my personal credit report. Ditech reported two 30 day lates to the credit Bureau after selling my loan to XXXX XXXX. My loan was sold to XXXX XXXX XX/XX/2019, then Ditech reported lates in XXXX and in XXXX. Ditech in no way tried to let me know there was a late payment. After spending 10+ hours on the phone with Ditech to try to resolve this I am writing directly to you. After discussing this with Ditech 's representatives it was found that XX/XX/2019 there was a late payment and a noticed sent then, however they reported this late not until XX/XX/XXXX and again in XX/XX/2019 ( after loan was sold and current ). When I discussed this with their representative she confirmed that Ditech had sent only one letter in XXXX, based on our hours of phone conversations the days of the month in XXXX only XXXX and they report on the XXXX, seem to have played a role in why on my end my account appeared to be current. Ditech admitted to me over the phone on one of these many calls that ultimately resulted in nothing that I had 90 days from them selling my loan to resolve anything before they can report to credit Bureau. However these reports were made the month of selling my loan and 30 days after selling my loan. Not only were my efforts made within this time allowance, they had already reported these lates. The current standing is reported as follows : MTG2 XX/XX/2019 and MTG2 XX/XX/2019, this needs to be changed and corrected. The XX/XX/2019 needs to be changed to MTG 1 and the other reporting needs to be removed entirely. My XXXX payment was late but rolled over months over months due to 28 days in the month resulting in Ditech not knowing about it until XXXX I can except that reluctantly, however making two reports is incorrect on every level. Ditech must remove the late report made in XX/XX/2019 they did not even own the loan and it was paid in full by XXXX XXXX at the time. DItech advised me to have XXXX XXXX contact them on my behalf since my loan was current and now owned by XXXX XXXX, after reaching out to XXXX XXXX their credit department was appalled they advised this since they in no way can represent me. My new lender ; XXXX XXXX told me they could not do anything to help me with Ditech incorrectly and un-responsibility reporting me to credit bureau. Please contact me with for next steps to remedy these from my credit report. Thank you,
04/17/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NM 875XX	Web	Servicemember
I feel behind on my mortgage payment due to medical issues, I am a disabeled XXXX war vet and tried to pay and catch up and tried to make arrangements, they told me i was already in forclosure and sent me a check in the amount of {$1000.00} check is dated XX/XX/2017 check number is XXXX and refused to take any of my payments any more, i tried to set up an automatic draft from my checking account and they refused that unless i was to pay amount in full. I recieved a notice in the mail stateing they are filling for chapter XXXX bankruptcy and a statemeant, i called them and asked for a pay off of my loan, they would not give it to me, then they told me i would have to call an XXXX XXXX XXXX XXXX XXXX out of XXXX XXXX NM XXXX XXXX XXXX i called them and they stated that they where getting several calls and that ditech was not there client. i called back and spoke to diffrent rep, and asked for pay off and they said they could not give it to me and it would take 15 days, i called today and requested a pay off amount again and they refused to give it to me, i asked to speak to a manger they kept me on hold and finally tranfred me to ext XXXX i asked for a pay off and they refused to give it to me, i then asked who is your regulator they said they didnt know what that is, then they tell me CFPB, i asked for number and they told me to XXXX it, i then told them i have no internet, and they asked me what that stood for, so i replied to your spell the meaning out and they would not respond, nor give me the number at all. then they put me on hold and told me to call XXXX XXXX XXXX in XXXX XXXX. and said call XXXX XXXX XXXX and hung up. I called the number and it is a law firm dont know name but is in XXXX nm, i said i like to offer XXXX to pay off ditech of my note and be done with them and them with me, to be paid XX/XX/XXXX i am tired of the run around and refusual, at the time of speaking with them i didnt remember the check that they returned, so i like to minus my offer from XXXX to XXXX to pay off my mortgage and get title to my home to be paid XX/XX/XXXX. They refuse payment, charge intreast, and still have my money of XXXX and i sure they earned intrest and if i charged them intreast daily on that they would reduce the amount owed to them by that. they give people the run around and drag things on and rude, legal way of stealing from people, and cause people stress, companys like this shouldnt be allowed.
11/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19320	Web
The purpose of this letter is to come to a resolution regarding account number -- -- -- --. Since the beginning of XX/XX/XXXX, we have been making regular payments to either Greentree or Ditech. Throughout this time up until Ditech stopped taking our payments in XXXX of this year our payments were on average two weeks early. We never missed a mortgage payment. In that time, we have had multiple mortgage modification changes, 41 phone calls ( between XX/XX/XXXX and XX/XX/XXXX ). Each phone call included my attorney on the phone call which was necessary to navigate the muddy waters of customer service, accountability problems and as legal counsel. This was expensive in and of itself but my time away from work was even more costly. During the YEARS we struggled to correct Ditechs mistakes, our lives were disrupted and our time and money squandered. We were embarrassed by multiple foreclosure notices including a sheriffs foreclosure notice delivery at my place of business ( in front of my patients and employees ). We also are the victims of incorrect credit reporting, and burdensome attorneys fees. In the end everything turned out to be Ditechs clerical mistakes and GROSS accountability problems. Ditech utilized entry level employees with no responsibility, accountability or authority. I was unable to contact or speak with the decision makers whose names were blatantly missing on all documents issued by Ditech. In all our phone calls we never spoke with an accountable person able to correct mistakes or clearly and confidently explain matters. This struggle lagged on and on. It is our opinion and position that mistakes need corrected. Our demand is simple. We are demanding that all late fees be removed, our personal credit amended, our attorney fees are paid, our account is credited the {$4000.00} minimum that your company owes from escrow surplus, a return of unapplied funds, and a solid commitment letter stating that we will never be the victims of exceedingly high and unfounded escrow fees again. I have calculated my time on said phone calls and I believe I am due reimbursement for my time out of the office. As I am a XXXX my hourly fee is {$350.00} per hour and I easily was on the phone for 40+ hours ( not including emails, documents etc. ). If our demands are met, we are more than willing to pay the arrears and continue paying our current monthly calculated payment which should be {$2100.00} See Exhibit 13
06/05/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30078	Web
I had a mortgage with XXXX whom then sold it to Greentree llc I had fell behind on payments, due to my husband having an unexpected medical emergency and started to work out a payment plan with a rep " XXXX XXXX '' she had me caught up all but 3 months which were supposed to have gone to the back of the loan, giving me a 2 month break and a fresh start. when i called in after not hearing a response I was told the loan was now serviced by Ditech llc, i explained the situation to my new rep " XXXX '' and was told they would not honor such claim i asked to speak to a supervisor and he apologized but he really had no answer to give me and to just keep making my payments, at that time my payment was supposed to have been pushed back and i had already payed medical bills and meds for my husband but make a payment at the end of the month this was in XX/XX/XXXX, and did not have an answer to give me, in the mean time i have kept making my monthly payments. I was then told i could get a modification since i was not in danger of foreclosure, which i sent paper work in, On XX/XX/2016 i called all morning and got no answer at about XXXX i got an answer from some one named XXXX who told me he could get no answers for me and no one was available to answer my question of the modification and after begging to please just tell me if it was good or bad news he said he would have to ask a supervisor, after 10 min he came back and said, they refused modification because no paper work was received and that no one could help me because they are in the process of updating, and that i would get a response thru the mail then he laughed and said well maybe because we all know that snail mail always gets lost ... .i still made my payment and asked again to speak to a supervisor and was told my rep was busy mailing letters and there was no one available to speak to me & that he actually was used to speaking to people with less vocabulary because he was a mobile home agent and not a home agent but he would take my payment as a favor to me. he then told me to call monday to talk to my new rep, and asked if i wanted my old reps voice mail, i left her a voice mail and as of today got no response that was on XX/XX/2016 then on XX/XX/2016 i get a letter saying they are foreclosing on my property on XX/XX/2016 but no other info was provided ... i need help, i can make my monthly payments plus past due but cant make my past in a lump sum.
05/07/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	SD 57106	Web	Older American, Servicemember
My complaint is with Ditech Financial LLC. They are the collection company for XXXX XXXX XXXX XXXX, The company I had my second mortgage with. I filed bankruptcy around 2013 and my bankruptcy lawyer told me that the law had changed that year so I could not write off my second mortgage, but I didn't have to pay them. Well they have a lien on my house so I wanted to try to settle with them. It started about 4 years ago when I called and talked to a representative who at that time agreed to accept {$10000.00} as settlement. I verbally agreed to that amount as well, but then about 2 weeks later I got a letter in the mail from them stating that it was a mistake that they offered to accept {$10000.00}. Then a few months later I called and talked to them and was told they would accept {$13000.00}, but I would also have to send them that last 2 years of financial statements, which I had already sent them 3 times prior so I told them I didn't want to send it again, because every time I sent it they kept telling me its not good enough. Then the next time I talked to them they now wanted {$20000.00}. This has continued to go up and up each time I talk to them. The last time I spoke with them was about 6 months ago and they now said they would only accept $ XXXX {$40000.00}. I told them at the time I filed bankruptcy my house appraised at {$140000.00} which I owed more than that already on my first mortgage and they said they dont care, that they would get their own appraisal. They keep using these unethical and false tactics to try to get more money out of the consumer. This company was previously known as GreenTree who used the same tactics on their customers which is why they were in the middle of a class action lawsuit which lead to them filing bankrupty themselves and then reopening up as Ditech. Their unfair and unacceptable tactics have not changed. I was trying to do the right thing and settle with them, but they keep on increasing the amount and going back on their verbal agreements with me. I'm looking for your assistance in settling this debt with them for the {$10000.00} they originally agreed on. I want to get the lien off of my home and just be done with this company, but I will not pay them this obscene amount of money they are currently asking for. Especially knowing their history of unethical business tactics that they use on the consumer. I would appreciate any assistance you are able to give me.
04/20/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 75104	Web
A request for an Unemployment Forbearance Plan was submitted on XX/XX/XXXX. The 5-month Unemployment Forbearance Plan was approved XX/XX/XXXX ( effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00} ). However, on XX/XX/XXXX a Flex Modification Trial Plan Notice was received dated XX/XX/XXXX with an effective date of XX/XX/XXXX. A borrower solicitation call was also received from Ditech on XX/XX/XXXX in which the Loss Mitigation Representative ( XXXX ext. XXXX ) indicated the loan was not on an active Unemployment Forbearance Plan and the loan was not eligible for an Unemployment Forbearance Extension. I advised the representative that the next plan payment was due XX/XX/XXXX. In addition, I advised that I was still unemployed and according to XXXX XXXX guidelines ( D2-3.2-02 : Forbearance Plan for Unemployed Borrowers effective XX/XX/XXXX ) the Servicer ( Ditech ) must evaluate the borrower for an extension of the Unemployment Forbearance plan if the borrower remains unemployed during the final month of the Unemployment Forbearance plan. I also advised the Servicer must receive written approval from XXXX XXXX prior to offering an Unemployment Forbearance plan with an initial term longer than six months. Unemployment Forbearance payments : PLAN DATE DUE AMOUNT PAYMENT DATE PAYMENT AMT DATE APPLIED 01 XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX 02 XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX 03 XX/XX/XXXX {$390.00} XX/XX/XXXX {$420.00} XX/XX/XXXX 04 XX/XX/XXXX {$390.00} XX/XX/XXXX {$420.00} XX/XX/XXXX 05 XX/XX/XXXX {$390.00} Not Due Yet *Escrow Shortage payment made XX/XX/XXXX in the amount of $ XXXX Since the initiation of the Unemployment Forbearance Plan there have been multiple servicing issues. The approval process for the forbearance plan took seven weeks to approve. Late fees were assessed although, the Fannie Mae Servicing Guide indicates the Servicer must not accrue or assess late charges to the borrower during the Unemployment Forbearance Plan ( fees finally reversed XX/XX/XXXX ). Forbearance payments ( escrow portion of scheduled payment ) were applied as a payment ( PITI ) on XX/XX/XXXX instead of being held in Unapplied Funds which will create an additional escrow shortage at the end of the Unemployment Forbearance Plan. It appears Ditech erroneously cancelled the Unemployment Forbearance due to the Modification Trial Plan Solicitation mailed XX/XX/XXXX.
06/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07728	Web
XXXX XXXX XXXX, PLAINTIFF GREENTREE LLC, their attorneys XXXX XXXX AND XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX XXXX COURT REPEATEDLY REFUSED TO PROVIDE ME my Qualified Written Request under the Real Estate Settlement Procedures Act ( QWR RESPA ). I sent several QWR RESPA To PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX when I learned that a Foreclosure COMPLAINT was filed on my property. PLAINTIFF GREENTREE and their attorneys XXXX XXXX AND XXXX received my RESPA QWR certified priority overnight on XX/XX/XXXX. The letter was not acknowledged. The second request was certified in my Contesting Answer, and Counter Claim for Wrongful Foreclosure on XX/XX/XXXX. In my certification to the Court, I asked the Presiding Judge to Compel RESPA and Award statutory fines. On XX/XX/XXXX, at a Case Management Hearing XXXX XXXX XXXX XXXX, in XXXX, XXXX I asked the presiding Judge XXXX to compel RESPA, and for statutory fines, and she stated that my request would have to wait for trial. On XX/XX/XXXX, I filed another motion to Compel, and explained in great detail why I was requesting RESPA, and other Discovery so that I can properly defend my position before for trial. I was later DENIED by the COURT on XX/XX/XXXX. On XX/XX/XXXX I sent another certified letter to PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX, and received a response in a letter dated XX/XX/XXXX from XXXX XXXX AND XXXX XXXX XXXX. The letter states, " Please be advised that this office is in receipt of your correspondence to us dated XX/XX/XXXX and received in this office on XXXX XXXX, which purports to be a Qualified Written Request under the Real Estate Settlement Procedures Act ( RESPA ), with respect to the above referenced loan. Pursuant to RESPA, please be advised that XXXX, XXXX will provide a response ( to the extent appropriate ) by XX/XX/XXXX. To date I have not recieved my RESPA, and these dilatory actions have adversely affected me since I have not been able to complete Discovery, and a pending motion for summary judgement will be heard today. In addition to the lack of compliance by GREENTREE LLC and Attorneys XXXX XXXX and XXXX, XXXX XXXX is lending institution that is not affiliated or assigned to my Mortgage, and do how is XXXX managing my loan? Previously, I did send RESPA QWR to the XXXX XXXX XXXX, but XXXX refused to provide to me a physical address, and my letters to a XXXX XXXX XXXX unanswered.
02/23/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33460	Web
I am filing this complaint against DiTech and the late reporting to the credit bureaus. As I previously stated, I have tried on dozens and dozens of times to reach a DiTech representatives to discuss the matter, never to receive a call back or an explanation regarding the issues surrounding my account. The following is a list of dates where I left messages for DiTech representatives : XXXX at extension XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. XXXX XXXX extension XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX she stated she submitted a verbal dispute, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. XXXX XXXX ( manager ) x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. XXXX x XXXX - I spoke to her on XXXX/XXXX/XXXX and she said she would have an account manager call me back. I tried reaching her several more times after I did n't get a call and could never get through to her again as she had no voicemail set up. XXXX XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, ( now, no longer with the company ) XXXX x XXXX : XXXX/XXXX/XXXX stated a supervisor would call me back, No call back. XXXX Customer Service stated XXXX x XXXX just acknowledged his email and would call back that day. I never heard back from her. XXXX x XXXX : stated my account issues go back to XXXX XXXX XXXX? really? XXXX x XXXX : XXXX/XXXX/XXXX stated he would review my account and call me the next day. No call back. Due to lack of communication from DiTech, and the fact that I tried to discuss my account with numerous representatives to find out where the discrepancies were, they should immediately remove the late mark from my credit report. THE FACT THAT IT TOOK SO LONG TO WORK THIS OUT IS UNACCEPTABLE! The constant different information from different representatives is also unacceptable! My persistence is the only reason we are now at the point that we are. XXXX XXXX
02/22/2017	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	AZ 85234	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Ditech XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I never made a late payment on XXXX, I never paid a late fees. On XXXX XXXX the payment of my house went up. I sent my payment for {$1600.00} this payment was short for {$120.00}, instead for {$1800.00} I am requesting that the LATE PAYMENT be removed from XXXX and XXXX credit report. Enclosed is a copy of payment record from my bank, supporting my position. Please reinvestigate this matter and delete or correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXX Enclosures : Payment records from XXXX XXXX. My Payments Print Date Range Is XXXX XXXX, XXXX - XXXX XXXX, XXXX Change Total : {$28000.00} Send Paid to Amou On nt Status/ Paid Type Cate Conf. # from XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$120.00} Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX DITECH None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX DITECH XXXX XXXX DITECH XXXX XXXX XXXX DITECH XXXX {$1600.00} . Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX Z {$1500.00}. Complete XXXX XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX {$1500.00}. Canceled XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None
08/17/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28278	Web	Servicemember
Hello : In XX/XX/XXXXI purchased my residence, a new home that cost {$210000.00}, with a down payment of {$70000.00} that was required at closing by XXXX XXXX. The payments were around {$1100.00} a month after paying the monthly payment with {$100.00} extra towards the principal they lowered my payments to around {$1000.00} by the year XXXX. In XXXX I became XXXX unable to work contacted XXXX XXXX immediately. Advised them of the situation, they said they could help with a modification. We began working on the Making Home Affordable Loan. After working on the loan, I was told I was appoved. I just had to make 3 payments of the amount which I did. They accepted the payments, but Foreclosed on me sold the house to themselves broke in changed the locks. At the time I was working with Legal Aid who contacted XXXX XXXX who after checking the payments that were accepted told XXXX XXXX to let us move back in. Which we did, and we were told that the sale would be rescended. XXXX told Legal Aid and myself that it would take some time for the lawyers to rescend the sale and they would get back to us. The next month I make the payment they send it back and tell us they are n't accepting any payments. I wait some time, cotact the lawyer we force them to put the house back in my name after rescending, with a good faith promise for a modification. After months of paperwork they forclose on us. Legal Aid advises of filing bancruptcy which I do. In bancruptcy XXXX sells the account to Green Tree which approves me for a modification in XXXX every payment is being paid. Green Tree hands us to Ditech LLC which is XXXX, but our payments are still being maid. The bancruptcy ends in XXXX of XX/XX/XXXXbut payments are still being paid no problems. XX/XX/XXXX my phone rings XXXX XXXX says you owe Ditech {$44000.00} how do plan to pay. I ask her how do I owe Ditech that money she says you have n't paid what I owe and my modification was never approved. I tell her I was told that thew bancruptcy paid {$29000.00} to XXXX XXXX, Green Tree and Ditech on top of us making our payments. She says I will look into it, on XX/XX/XXXX I receive 3 letters from Ditech that say that contact us for your past Due amount of XXXX. I have the bancrupty payments the Ditech mail delivered and the approval from Gree Tree. Also the first time I hear about past due amount is 3 weeks before selling my home on XX/XX/XXXX.
02/26/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33405	Web
I took a first mortgage loan in XX/XX/XXXX. My first payment was do in XX/XX/XXXX. I paid it. I paid every payment afterwards. In XX/XX/XXXX, I mistakenly issued a payment of {$2000.00} instead of the correct amount of {$2100.00}. I attempted to cancel this payment and issued another payment for {$2100.00}. These payments went to Ditech. My bank would not recall the erroneous payment of {$2000.00}. I wrote Ditech FOUR letters. Ditech did not respond. I called Ditech when I started get " late '' notices from XXXX. Ditech sent me a payment history, confirmed I was not in arrears and that they would forward overpayments ( the {$2000.00} and the XXXX for XX/XX/XXXX ) which should have been forwarded to XXXX, the new service provider. Ditech forwarded the XXXX payment but without explanation or any notice, Ditech kept the {$2000.00} erroneous payment. Ditech decided to credit that amount to a shortfall in escrow. I continued writing to Ditech and XXXX through XX/XX/XXXX. Neither company responded to any inquiry. When I called both companies again, this month ( XX/XX/XXXX ), the companies both indicated that letters sent to the payment center ( where my checks were sent ) are " shredded '' or discarded. For 6 months now, XXXX has been reporting me 30 days behind on my mortgage. I have been late to no other creditor. XXXX has DESTROYED my credit score, which is now XXXX based on XXXX ' reports. XXXX has said the will not interfere with the additional funds kept by Ditech and will continue reporting me late to the credit bureau, unless I pay pay them more than {$4700.00} on XX/XX/XXXX. XXXX refuses to investigate nor take any action. I have actually paid {$21.00} OVER what has been due on my mortgage from it's inception. My understanding ( based on the first year ) is that if excrow is not properly planned and collected by the managing company, the company can increase your mortgage. XXXX did this -- adding {$210.00} a month to my payments. They refused to explain the change. Today, XXXX says that they can see the XX/XX/XXXX double payment but it was NOT credited toward a monthly payment. Instead, Ditech kept the money and credited it toward a shortfall in escrow ; without notice ; without ever admitting that to me in letters and phone calls. XXXX says it's a problem for Ditech. Ditech gives me no information. But, XXXX is falsely reporting the account as delinquent.
01/29/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34482	Web
I was a victim of hurricane Irma. I called after the hurricane to get an extension on my loan. I talked to a XXXX in XX/XX/XXXX. She and I filled out all the questions and I was told there would be no problem and that she would be sending me paperwork to sign and send back agreeing to the extension. The extension was for the months of XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I was to start payments again on XX/XX/XXXX. I was contacted again in XX/XX/XXXX about my payment. I went through the process all over again with the extension. This gentleman was very nice and apologized for it not going through the first time and did not have a reason why it didnt. Again I was told the paperwork would be sent out and just to sign it and return it. I was then contacted in XX/XX/XXXX from a XXXX which was very rude and said that I was in default and I owed over {$1000.00}. I told him I did the extension and he said that i never returned the paperwork but I told him I never received any paperwork. He at that time told me that I should have called to see where the paperwork was. He also said i only had 30 days to sign and return the paperwork, which i was never told that by the other 2 people at any time that I can remember. I did send my XX/XX/XXXX payment in and also XX/XX/XXXX payment in on time. After doing the extension for the third time with XXXX the paperwork was mailed out on XX/XX/XXXX and was received by me on XX/XX/XXXX. I did call XXXX back before this because i had not received it and he faxed the paperwork to me, I picked it up, signed it and sent it next day mail on XX/XX/XXXX and was told it would be delivered by XX/XX/XXXX by noon that day. They are still telling me I owe them {$600.00} by XX/XX/XXXX which I disagree with but was told thats the only way to get it out of default. I have called twice and have asked them for my loan payoff and was told that they couldnt generate it at that time and would email it to me within 7 to 10 business days. I called back a week later and was told they would have to put in a written request for my payoff amount because it would have to be hand figured out. This has also affected my credit score. I want my payoff and I dont believe it takes 7 to 10 days for it. I kept up my part of the agreement that I would start my monthly payments again on XX/XX/XXXX and was not late on any payments. This has been going on for 19 days now.
04/02/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	ID 83634	Web
I have two mortgages with Ditech, and have had them for years. In XXXX I scheduled my XXXX payment for both of my accounts. I did not recieve the typical email confirmation, so I called in, and was given the confirmation number. I explained that I had two accounts, and was assurred that the payments were both there. On XX/XX/XXXX, I received an alert from the credit bureau that my credit score had dropped due to a 30 day late notice on Ditech mortgage. I immediately contacted them, made another payment, and began the process of sending information to get the 30 day late removed. Finally, on XX/XX/XXXX, I received a letter from Ditech that they would change the infomation reported to the credit reporting agencies. Just getting that letter took several hours of calls, and going through several people, but I was happy I got it. I was assurred this would be reflected on my credit report in 3-5 business days. As of today, XX/XX/XXXX, it has not happened. I am now working directly with the credit reporting agency in hopes of fixing this situation soon, as I have been turned down for loans due to this problem. But, then it gets better. I paid my payment in XXXX for both loans again. I was traveling for most of the month, and had not reconciled my bank account until yesterday. Now, the payment for the other loan has not cleared for XXXX!!! I went on line to check yesterday, and it was reporting as if it had not been paid. I paid immediately, and this morning started the process all over again for this loan. However, after being on the phone for almost an hour, and talking to someone who did not seem to understand what I was asking, I was sent to a manager and told my account is closed and with another loan company. I need to contact them for customer service. They, of course, can not help me with Ditech, and I was aware that as of XX/XX/XXXX, I was to go through the new company. However, this is a XXXX issue. I know Ditech is undergoing re-organization, ie, bankruptcy, because they sent customers a letter a couple months ago. I understand they may be having troubles that may take a little longer to get fixed. However, I am a long time customer with them and I have never had anything like this happen. Now it has happened twice in a couple months. I am frustrated, and fearful that they are going to repot yet another 30 day late on my account, and I can not do anything about it.
06/20/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 48198	Web
Hazard insurance was placed on my home in early XX/XX/XXXX. I had allowed my homeowners insurance to lapse, I take complete responsibility for this issue. I acquired my own homeowners insurance again effective XX/XX/XXXX. As Ditech is adamant about communicating with them via their website ( and I had a copy of my proof of insurance available in electronic format ), I uploaded a copy of it via the Homeowner Assistance > Upload Documents portion of their website on XX/XX/XXXX. That day I also submitted a message to them via their website indicating that insurance had been purchased and asking what else I needed to do to remove their lender placed coverage and square my account. No response was received to my message via the " Message '' portion of their website. However, while I was on hold with their customer service today I did receive a response to my personal email account indicating that in order to modify my insurance coverage I must either : 1. MAIL a copy of the proof of insurance to Ditech or 2. FAX a copy of the proof of insurance documentation According to the first phone representative I spoke with " Insurance documentation must be mailed or faxed per regulations. '' ( seemed odd ) According to the second phone representative I spoke with " Insurance documentation must be imaged in a particular way per Ditech policy and these documents can not be accepted via our website. '' Although they can collect proof of income and tax information via their website...? Finally when I asked to speak to someone who could explain the absurdity of the insurance paperwork " policy '' and the 10 day response to my email I was informed of the following : 1. Because of the status of my account ( I am behind because of the exorbitantly priced hazard insurance ) I would not be allowed to speak to a customer service person because my account would be routed directly to a collections agent. 2. No one was actually available to speak with me regarding my website concerns because " they were all in a meeting '' ( funny - every time I talk to a mortgage company all the supervisors are always in a meeting, together, in the late afternoon... ) I'll mail them a copy of my document. But this absurd insurance document handling policy seems incredibly galling for a company that is adamant about sending all statements and notifications to me via their website.... Thanks, XXXX XXXX
08/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 55429	Web
Ditech financial continues to scam their customers. Recently, they raised my late fees from XXXX dollarsa few months ago to $ XXXX the last few months and now it is $ XXXX I just found out on their website. They have never notified me of the increasing late fees. They increase the late fees at will, in order to make you appear to be behind on a payment or not have paid a " full payment '' so that they can put the payment in unapplied funds. How high will they be allowed to randomly increase late fees? It used to be that a late fee was part of the contract I signed with my mortgage company and enver increased. With Ditech though, they will increase the late fee significantly whenever they feel like it. They have harassed me with things of this nature ever since they took over my loan from XXXX XXXX XXXX. They are harassing me now because I filed bankruptcy and they want me to do a modification. I will not do a modification. I gave them one chance for that and they played games by refusing to send me a form I needed to fill out. They also can know that I will not do a modification that is more than 30 years and will not lower my interest rate. They are wasting paper. I do not believe they should be able to increase a late fee randomly like that without notifying me in writing. Nor should they be able to increase the late fee to make a payment amount incorrect. Also, they purposely scam people on their statements being inaccurate. Currently, they are unlawfully holding $ XXXX in unapplied funds because I was unaware my late fee went from $ XXXX to $ XXXX. Still, the $ XXXX is more than the $ XXXX and should be released. They constantly rip me off on my mortgage interest deduction by holding finds in unapplied funds, unlawfully. Please hold them accountable for violating the law. Also, they should not be allowed to raise late fees on a monthly basis. This is XXXX and I hope Ditech company XXXX and XXXX XXXX XXXX XXXX XXXX where they belong. XXXX, Cheats, frauds. Also, I am supposed to speak with reps in the bankruptcy department. They are never there, nor do they ever return phone calls. I do not believe these reps are actual people. Many times their voice mailboxes do not work. I have not once ever received a call back from these people that I am REQUIRED to talk to. I highly suggest they get their XXXX in their office and on the phone if they are not fake identities.
10/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60202	Web
We paid the first installment of our XX/XX/XXXX real estate taxes on XX/XX/XXXX in the amount of {$7200.00} & {$430.00} ( interest ). The payment was approximately two months late. Our mortgage holder, Greentree Financial/Ditech, used this as justification to impose a Forced Escrow Account that would be attached to our mortgage account.Greentree Financial/Ditech 's subcontracted tax payment vendor, XXXX XXXX was notified about the late payment, and they SUPPOSEDLY sent a first installment check to the XXXX XXXX XXXX 's office but NO payment from XXXX was ever received or processed for this first installment by the XXXX XXXX XXXX XXXX XXXX, onlyOUR payment was received, and it was applied to the tax bill. On XX/XX/XXXX, we paid the second installment of our taxes, {$4500.00}, which was credited to our tax account by the XXXX XXXX XXXX 's office. Greentree/Ditech 's subcontracted Tax Vendor, XXXX sent a check AFTER our taxes were already paid to the XXXX XXXX XXXX XXXX on XX/XX/XXXX. That check hasbeen sitting at this office since that date, and it was never applied to our account because there was no outstanding balance. All this information can be verified with the XXXX XXXX XXXX XXXX XXXX, and we have attacheddocumentation validating this information with confirmationnumbers and dates of payments and payers. In XX/XX/XXXX, we began contacting Greentree/Ditech about this issue, urging them to contact the XXXX XXXX XXXX XXXX XXXX and have their funds returned. We sent letters, faxes, made calls, etc. We supplied documentation from the XXXX XXXX XXXX 's XXXX showing that the taxes were paid in full by us, and that no funds from Greentree/Ditech had ever been applied to our account. The XXXX XXXX XXXX XXXX XXXX told us that Greentree/Ditech must request that this check be returned to them, but they have never done this, in fact they have refused, because they want to impose the Escrow Account to our current mortgage. Our current mortgage payment was {$1400.00} per month, with the new Escrow Account, the proposedmortgage payment and fees would be over {$2900.00}, a 100 % increase in our monthly payment. We have decided to pay off the principal balance of ourmortgage this month, {$31000.00} ( plus interest fees ). The Escrow Account that was to begin this month should be voided, as it was to be initiated in XX/XX/XXXX, and the mortgage will be paid off before XX/XX/XXXX.
02/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91711	Web	Older American
WE APPLIED FOR A LOAN MODIFICATION. DITECH RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED INFORMATION, WHICH WE ACTUALLY HAD SUBMITTED. WE RESUBMITTED FOR THE 2ND TIME, AND DITECH AGAIN RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED THE REQUIRED INFORMATION, WHICH WE HAD SUBMITTED TWICE. THE PAYMENTS, WHICH WERE NOT RECORDED CORRECTLY BY DITECH, WERE " LATE '' ACCORDING TO DITECH, AND THEY SAID AFFECTED OUR CREDIT RATING. HOWEVER, THE PAYMENTS WERE INCORRECTLY AND INTENTIONALLY INCORRECTLY APPLIED BY DITECH TO DEMOLISH OUR CREDIT RATING, SEIZE OUR PROPERTY, AND REFUSE TO GIVE US A LOAN MODIFICATION. WE HAVE NEVER, REPEAT NEVER, FAILED TO MAKE A LOAN PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007, EVEN WHEN THE PROPERTY WAS AND STILL IS DISMALLY UNDERWATER. WE HAVE FAITHFULLY CONTINUED TO MAKE HIGH INTEREST PAYMENTS FOR WHICH DITECH CONTINUOUSLY ATTEMPTS TO DERAIL OUR CREDIT, OWNERSHIP OF OUR PROPERTY, AND OUR GOOD STANDING. THIS COMPANY 'S PRACTICES APPEAR TO BE FRAUDULENT AND CONTINUE TO PLAGUE US, CAUSING A VERY SIGNIFICANT DEGREE OF EMOTIONAL DISTRESS AND FINANCIAL HARDSHIP BECAUSE DITECH ENGAGES IN WHAT APPEAR TO BE NEFARIOUS PRACTICES THAT SEEM TO BE NOT CONDUCTED IN GOOD FAITH IN AN APPARENT ATTEMPT TO TAKE OUR MONEY AND HOUSE ANY WAY THEY CAN. DITECH ALLEGES OUR PAYMENTS ARE OVER 30 DAYS LATE, BUT NEVER HAVE WE SUBMITTED A PAYMENT OVER 30 DAYS LATE. NEVER. THE TRUTH IS THAT DITECH INCORRECTLY RECORDED PAYMENTS AND REFUSES TO CORRECT THE RECORDS OR ACKNOWLEDGE THE PAYMENTS. WE HAVE NEVER MISSED A PAYMENT, AND WE ARE HONEST PEOPLE DEALING WITH AN APPARENTLY DISHONEST COMPANY. WE CONTINUE TO PAY NEARLY 7 % FOR OUR MORTGAGE AT GREAT HARDSHIP TO US, AND THIS IS INEXCUSABLE WHEN INTEREST RATES HAVE BEEN AT AN ALL TIME LOW. I AM SOON TO BE XXXX YEARS OLD AND HAVE BEEN AROUND A LONG TIME AND HAVE NEVER DEALT WITH SUCH A NEFARIOUS SITUATION. FURTHER, OURS IS A XXXX XXXX-GUARANTEED LOAN, WHICH FURTHER REMOVES ANY RISK FROM DITECH. THEY DO N'T WANT TO MODIFY OR REFINANCE MY LOAN BECAUSE THEY WANT TO CONTINUE TO CHARGE US NEARLY 7 % INTEREST AND THEY MAKE CONTINUOUS OVERTURES TO TAKE AWAY OUR HOUSE, EVEN THOUGH WE HAVE NEVER MISSED A HIGH INTEREST PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007. WE WITHSTOOD THE RECESSION WHEN EVERYONE ELSE ABANDONED THEIR PROPERTY. WE CAN NOT GET ANY RELIEF FROM THIS HORRIFYING SITUATION AND BELIEVE THAT DITECH SHOULD BE SHUT DOWN.
10/08/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92021	Web
GreenTree/Ditech Loan # XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXThere are numerous issues with this short sale file:1 ) Loss mitigator, XXXX XXXX XXXX claims that Green Tree and Ditech are XXXX different companies -- - they are not, they just changed their name - this is extremely deceptive and this is what they are telling people that call in. XXXX 's intimation to us was that any illegal acts that Green Tree committed were water under the bridge as Ditech is a different company - this is quite possibly XXXX the most ridiculous things I have heard. 2 XXXX Green Tree/Ditech - illegally threaten our sellers and told them they had to vacate the property prior to the property being foreclosed on. They did this on or about XXXX 2014 claiming that they ( XXXX Tree/Ditech XXXX owned the property -- - our clients do not speak XXXX were bullied into vacating the property, this is something the Green Tree/Ditech has a history of doing. 3 ) Green Tree/Ditech then continued to postpone the auction -- - they did not own the property as they has told our clients, and continued to fraudulently collect servicing fees XXXX -- - defrauding the XXXX taxpayer and the federal government. They claimed that the postponement was due to our clients bankruptcy .... Unfortunately for Green Tree/Ditech, this is yet another lie as the BK closed over 1 years ago. -- - this is a wide spread problem with Green Tree/Ditech as is evidenced by the XXXX complaints online. 4 ) In violation of State and Federal statutes, Green Tree/Ditech did not reach out to the home owner and the homeowner only became aware that they still owned the property when a notice of trustee sale was issued on the property. I find it rather disgusting that Green Tree/Ditech would think it is ok to do this to a XXXX family only because they a ) do n't speak XXXX well ; and b ) do n't have the means to fight. This is a disgusting practice that they CFPB needs to STOP! 5 ) We request that the CFPB ask Green Tree/Ditech why they would lie to a home owner and tell them that they owned a property when XXXX Green Tree/Ditech XXXX did not. Why they would not contact the homeowner for workout options. Why they would continue to collect servicing fees from a federal entity for over 1 year XXXX they already owned it ... or so they told the home owner ) without foreclosing increasing urban blight and defrauding XXXX.
11/25/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 20110	Web
I contacted my mortgage company ( Ditech ) by letter XXXX/XXXX/XXXX requesting a loan modification due to loss of employment. They requested I fill out the required paperwork which I did and submitted XXXX/XXXX/XXXX. I was denied help b because income was zero even though my husband is a XXXX veteran and collects monthly VA benefits. In XXXX XXXX I was able to regain employment and at the request of Ditech Rep XXXX XXXX I resubmitted all paperwork again XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX stating my rep had changed but no status update of my modification request. During the next few months I made calls to my Rep for status updates and I was told told the underwriters were still looking at my paperwork. Then, I received a letter dated XXXX/XXXX/XXXX notifying me of my loss mitigation options as thoug h I had never applied in the first place. I placed another call to Ditech and this time I spoke with XXXX # XXXX and told him of my situation. He looked at the account and said to me, " I see where you sent in all the infor mation and it was received ; but it does n't look like anyone has looked at your account since. '' Noone has looked at my account since XXXX/XXXX/XXXX? I find this to be totally unacceptable Customer Service ; not to mention my mortgage is now over {$14000.00} in arrears because I could n't make the payment Ditech wanted and I 've been waiting for a reply to the loan modi- fication I requested. My original mortgage company was Green Tree and then changed to Ditech the end of XXXX. My interest rate at that time was 3.0 % and jumped immediately to 4.0 % for XXXX, XXXX and XXXX XXXX. It increased to 5.0 % effective XXXX/XXXX/XXXX and recently I received another increase notification dated XXXX/XXXX/XXXX of an increase to 5.375 % effective XXXX/XXXX/XXXX. I could n't afford the payment at 4.0 %, it is more than XXXX of my monthly salary. I am at my wit 's end now, I do n't know what to do so I am contacting you for advice. Because of the past due amount on my mortgage I have been told I am not eligible for the XXXX program but yet others are telling me I am. Today I placed another call to Ditech and of course spoke to yet another rep ( XXXX # XXXX ) and she typed into my account the information from our conversation and to have her Manager send me yet another form since she was not author ized to do so. Please Help XXXX XXXX
05/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 984XX	Web
Green Tree Servicing LLC took an extra {$380.00} out of our checking account for the month of XXXX, 2015. Our normal payment is {$1700.00}, Green Tree upped the payment to {$2000.00}. We called and found out that a person with the same first and last name and a different middle name, home owners insurance was paid out of our escrow account. There was {$3000.00} taken out of our escrow and our mortgage payments were re-figured to cover the cost of the {$3000.00}. Green Tree told us we had to pay the extra {$380.00} to cover the amount taken out of the escrow even though it was their mistake. We canceled our automatic payments hoping this would be resolved by XXXX XXXX, 2015. Green Tree had n't collect the money from the other person by XXXX/XXXX/15 so we were required to pay another {$2000.00}. We sent a message to Green Tree on XXXX/XXXX/15. On XXXX/XXXX/15 {$3000.00} was put back into our escrow account. But Green Tree still owes us for the extra we paid in XXXX and XXXX. We were contacted by mail saying that they were looking into the matter and would get back to us in 30 days from the message we sent. We have never been able to talk to anyone other than customer service. Same with our attorney. The attorney called today and Green Tree stated that the money they owe us was taken care of when they deposited the {$3000.00}. back into our escrow account. This is the message we sent to Customer Service on XXXX/XXXX/2015. I just made another mortgage payment of {$2000.00} for XXXX mortgage payment. I also paid {$2000.00} in XXXX. The normal mortgage payment is {$1700.00}. This mortgage payment was increased because you paid for the other persons home insurance {$3000.00} out of my escrow account. When I look at our escrow account online, it does n't show any of the updated changes. I would like a detailed statement showing the changes. I would also like a check for the amount {$770.00} ( {$380.00} for XXXX and {$380.00} for XXXX ), to be refunded to me to cover the amount taken out of my checking account to cover your mistake. I am paying out of my pocket, for your mistake. This is n't right or just. I have hired an attorney and letters have been mailed and faxed. I have been told that the escrow account ca n't be adjusted until you receive the funds from the other persons account. Please have someone other than a customer service representative contact me.
08/18/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30016	Web	Older American
I did refinance my mortgage with Ditech company. My first payment had to start on XXXX/XXXX/16. Company had offered free electronic payment on their site. It was very convenient and I did scheduled payment of {$760.00}. XXXX on line by connecting with my XXXX checking account. It pass 2 days after my payment scheduling, and I received confirmation from Ditech that my payment went through. When I did check my banking statement I did not see any money were taken from my account. I did make a call to Ditech customer service and addressed the issue. Answer was that everything is OK and they have my money. My question was how they do have my money if it is not taken from my account? after time I did another calls, trying to get strait this issue, but it was not successful. ( after 2 months they put that they do reverse my payment of {$770.00} ). I do not understand how they did reverse something, that they never took. Still, I knew that have to make a payment for XXXX, and I did it {$800.00} by check, which was paid by XXXX from my checking account. For month XXXX I did the same way another {$800.00}. Money were taken from my account and I have confirmation that checks were deposed by Ditech. After that I did XXXX payments directly by my personal checks the same amount for XXXX, and XXXX. ( From Ditech respond was that they have my personal check ). One month ago it was on XXXX XXXX, I received a call, and letter from collector that I am late with my payment. My respond was that I am on time with payment. Customer service representative tried to explain me that 2 payment one for XXXX and second for XXXX were returned to my account. I told that it is not true, I do not see any money to be deposed to my account. They ask me to sent all my information from my bank statement which I did. I continue to pay my mortgage on time. 2 days before I dd received another letter that I am behind the payment. I do repeat all information, trying to explain what happen, I am tired. Look like nobody takes any action to get straight my account, and my payments. I am sorry about refinancing with them, I had to go on internet and to read consumers review about the company, ( there are many complaints more than XXXX about the company ) but now is too late. I had with them mortgage before refinance, and I did not have any problems. I did refinancing for fixed inters rate.
04/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46037	Web
My original mortgage was with XXXX Mortgage so I had no choice in the use of Green Tree Servicing LLC. The house that was being serviced by GTMS was sold and the closing date was originally set for XXXX/XXXX/2015. I was told by the title company not to make my XXXX payment as this would alter the HUD. The closing was moved to XXXX/XXXX/2015 however as the payoff was being sent via ACH it would reach GTMS prior to the Late phase. I received an unfriendly call from XXXX at GTMS on XXXX/XXXX/2015 indicating I needed to call right away. I did so however of course no XXXX was available so I spoke with XXXX. I explained to XXXX that the closing had happened and the funds from the proceeds for me were posted to my account so I was certain Green Tree had theirs as well. She insisted they did not and indicated that the only way to prevent reporting a late payment ( never been late in the over 20 years ) was to give them my payment information and if they did not receive the pay off by Monday XXXX/XXXX/2015 they would secure a payment. She assured me that if they did they would not. I reviewed the on line account on XXXX/XXXX/2015 and the account was closed and indicated as paid in full so I knew the payoff was received. I called on Friday XXXX/XXXX/2015 simply to make sure. The representative I spoke with rudely told me she could n't help me because there was nothing for her to look up as the account was not active. Okay so no payment should draft on Monday if no account is open. Guess that is not true as GTMS took the over {$1200.00} plus a {$12.00} fee on Monday XXXX/XXXX/2015. I immediately called and was of course given the run around and the hummm not sure why that happened. I was told it would be reversed right away and XXXX took my checking account and routing information to make this happen. I waited a week before calling back only to be told that the funds were in a " no where to post '' account and it would be 30 days prior to their release. Makes no sense. The rep kept saying that they could n't refund money from a closed account well they sure could take it to a closed account. She transferred me to a " supervisor ''. I received said supervisors voicemail and three days later am still waiting for a return call. Not appreciative that my money is sitting somewhere unknown to me and that I have no way to get it back. Bad Bad Bad business practice!
03/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30506	Web
RE : Making Home Affordable Incentive Payments With the addition of the {$5000.00} Principle reduction incentive payment ( see here : XXXX ) XXXX issued a letter ( see attached ) notifying lenders/servicers that they send a notice to borrowers who qualify of the option to reamortize or recast their loan. The document specifically states : The servicer must ... provide written notice of an option to re-amortize the UPB, excluding deferred principal, over the remaining term of the mortgage loan if at the time of the notice the mortgage loan is in good standing. The written notice must be provided at least 60 days, but no more than 120 days, prior to the sixth anniversary of the XXXX HAMP modification effective date ; give the borrower at least 30 days, but no more than 180 days, from the date of the notice to respond to the re-amortization offer ; notify the borrower of any changes to principal and interest payments as required by applicable law ; specify changes to the payment schedule as a result of the re-amortization and total interest to be paid during the remaining term of the mortgage loan after the sixth anniversary of the XXXX HAMP modification effective date, both with and without the effect of the reamortization ; and include the contact information of the servicer and instruct the borrower to contact the servicer if the borrower has questions or concerns about the re-amortize offer. Not only did I NOT receive the letter from Ditech, I 've called many times and they will not send the letter. Further more, I was told on the XXXX/XXXX/XXXX when I called in by a supervisor, that my loan did not qualify for a recast! Their customer service reps as well as their supervisors are uneducated on the matter or playing dumb. Of course the consumers can only gain from the recast lowering their monthly payments and the date the PMI falls off which means less money for Ditech. I shudder to think off uneducated borrowers missing out on this opportunity simply because the folks at Ditech refuse to be in compliance with XXXX guidelines. I should have received notice XX/XX/XXXX but I did n't. And I was also told by a rep. that they were not required to send the notice of recast until the incentive payment was applied which is a lie. Ditech needs to be investigated and fined for their mishandling of this as well as perhaps thousands of other consumers.
09/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NV 89801	Web
It started with greentree servicing I would send my house payment a few days early for instance I would send Aprils payment the end of XXXX payments were due on the XXXX I started getting phone calls from greentree saying my XXXX payment was late I told them no that is my XXXX payment early I told them to double check their records they agreed with me then several months later the same thing over again only this time they would n't back down when I told them it was a payment early not late my husband and I got l laid off in 2007 I admit we were late on some payments but always got caught up sending extra money if we were 2 weeks late here would come the letter of default they would say we did n't make such and such onth payment when I have documentation that they received it it might have Been late I have documents saying what was due and what they received they always got more money then was due but we always owed more I have documents saying on XXXX paper the original note was {$85000.00} and other papers saying the amount of note was {$83000.00} they say our house payment was XXXX it {$670.00} I was hung up on when asked about their additional charges on every stub totalling XXXX dollars I was constantly getting harassed by their phone calls I owed {$120.00} on Decembers payment I could n't make XXXX payment XXXX XXXX I got the foreclosure papers in the mail they did n't wait to see if they were going to get XXXX payment I called them right away and told them I would send them all the money that I owed them that day which was {$1400.00} but it went up to {$4000.00} I told XXXX I did n't have that much just what I owed she said '' well when can you move? '' I believe my home should not have been foreclosed on they wanted us out of their we filed chapterXXXX bankruptcy to try and save our home but the bankruptcy payments kept going up so we could n't afford it anymore so it was dismissed and greentree was right there we also paid a place over a {$1000.00} called consumer advocate to try and mediate with gt and do a forensic scan of all the paperwork they are no longer in business I think that might have been a scam. There were so many different amounts juggled around with gt I could n't keep track of it all I lost a lot of paper 's moving around so much after I lost my home I will attach these documents I apologize about the condition there in
12/28/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 22314	Web
2019 has been a challenging year for me with a chapter XXXX, along with a loss in employment. XX/XX/2019 I had finalized a chapter XXXX resolving my debt, although it did not help when trying to get help from Ditech. I was behind on my mortgage informing Ditech of my situation the request to suspend my payments did not get approved along with requesting a home modification. I was delayed twice with the application by Ditech, stating i did not provide sufficient information, which is inaccurate. One blank page of my bank statement was not included, therefore flagging my application to be incomplete. Why is this important, bc it delayed my modification process. Well, based on what they have claimed, ditech would not allow for a modification due to one being implemented within a 1 year period. This makes no sense to me. They made me wait two months to tell me they would not grant a modification bc I had a modification within 12 months? This is inaccurate. It was over 12 month since my last modification and what does a 12 month timeline have to do with a request for modification? I believe this shows that I am willing to find a solution to solve my financial difficulty, in good faith that I want to stay in my home and pay my mortgage. My account needs to be investigated bc they never forgave my mortgage, the suspend a percentage of my mortgage and increase the repayment time over 40 years, leaving me with a heft lending rate and a heft balance. In addition to they placed my house into foreclose XX/XX/2019 and since XX/XX/2019 i have found secured employment, allowing me to now afford a mortgage repayment and bring my account out of foreclosure. My account is still shown open, the payment in back payments is shown that I can make a {$14000.00} payment to bring my account current, yet Ditech is indicating that there are " anticipated fees '' that is my responsibly? Wait, i am in the position to make a payment but now you want me to incur fees that i have not incurred? Do they want me to become current and stay in my home or are they trying to penalize me for falling behind and falling into financial hardship? This is a horrible feeling and as I try to resolve a financial deficiency, why am i being penalized for this and not allowed to make a payment directly to the bank? in addition to, how does Ditechs financial bankruptcy play into my mortgage?
01/21/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	WA 99223	Web
I purchased a house in XXXX in New Mexico, through XXXX. The first loan was for $ XXXX, a secondary loan for $ XXXX. The XXXX loans were then sold to XXXX, then sold to XXXX XXXX XXXX, then to Green Tree Servicing LLC -- XXXX institutions in 4 years. By XXXX, when the mortgage payments kept going up, we lived on our credit cards and loans from family members in order to keep afloat. My XXXX children and I could no longer continue like this. I contacted XXXX XXXX XXXX and Green Tree to notify them we would n't be able to continue making payments. I then contacted Realtors attempting to place the house with them to cover the mortgage. I was told the large house would n't move for months. My children and I moved to more affordable housing out of state. We left the house in pristine condition : cleaned throughout, new paint in the guest house, septic system cleaned, termite inspection conducted, another refrigerator in the garage, and turned the house keys over to a neighbor so the house could be inspected -- in other words, all done in good faith. I tried working with Green Tree Servicing to have them handle the sale of the house, but was told by XXXX of their departments that I was 'an absentee landlord ' who only wanted to capitalize on this empty house and profit from being an absentee landlord. With a Realtor in NM, I tried short-selling the house so it would n't go into foreclosure/sheriff 's sale, had several potential buyers, but Green Tree refused to consider the offers. After that, a sheriff 's sale was speedily arranged, and took place in XXXX XXXX with Green Tree Servicing selling the property to itself for $ XXXX. I was hounded by Green Tree for the whole loan itself, when I had been paying $ XXXX on the $ XXXX, and $ XXXX on the $ XXXX for 49 months. Strangely enough, little of those mortgage monies were ever credited to the loans. The $ XXXX was charged off and I was sent a form showing that I 'earned ' close to $ XXXX. My math indicates $ XXXX. Now Green Tree Servicing has sold the ' $ XXXX ' ( should be $ XXXX ) to another financial company : Ditech Financial LLC XXXX which is notifying me that I owe {$48000.00}. XXXX for these financial institutions. My family and I are still scrambling to recover from this financial disaster. The banks/financial organizations are still selling this paper to XXXX another and making money on it.
12/29/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	NM 87111	Web
Ditech obtained the servicing of our first and second mortgage earlier this year. We were solicited to do a XXXX Refinance on our first since the rate was 6.125 % and they could do better. We started the process on XXXX XXXX, 2016 and did not finalize the process till XXXX XX/XX/XXXX2016. Multiple Loan Estimates were sent throughout the process with changes to figures with out a Change of Circumstance Letter to accompany the changes explaining why and what was changing. Ditech pointed the finger at XXXX XXXX XXXX and XXXX XXXX pointed the finger at Ditech as to why someone had dropped the ball on ordering the subordination of our second. I had to tell Ditech multiple times that we had paid for an appraisal out of pocket yet they continued to show the fees. The lock expired on XXXX/XXXX/2016 so they had to extend it. XXXX estimate shows the extension fee to us which they later retracted because it was evident that they were responsible for the delays in what should have been a relatively easy refinance. Ditech sent me the Closing Disclosure on XXXX XXXX, 2016 via a docusign email rather than through the password protected website known as XXXX XXXX. The file was corrupt and I could not open it. I called them to advise, however no body called me back. By Monday evening the XXXX of XXXX I had still not heard back from them so I called Title to advise that we were unable to open much less electronically sign the CD to start the three business day clock so we could close. I received the CD on the XXXX and we esigned it. They insisted that we sign documents on the XXXX of XXXX which was not the full three days required by XXXX. I am in the mortgage industry so I advised that we really should be signing the XXXX of XXXX. They advised that that was not the case and left the documents dated for a XXXX closing. On XXXX XXXX, we received a past due notice dated the XXXX stating that our mortgage was past due even though the loan was in recission. I understand the notice however, the notice was mailed to our home address but had the names of other individuals on it. I do n't know who these people are, but none the less it was alarming that they had violated the XXXX Rules by putting someone else on the notice. It makes me wonder who got a notice with our names on it. We were never provided a copy of our credit reports even though we requested them.
03/28/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 853XX	Web
When I took out my loan I did not put down 20 % equity and had to add private mortgage insurance. I was advised once my loan hits 80 % loan-to-value ratio the private mortgage insurance would be dropped automatically, or I can request in writing that it be removed early if the equity in the home is above 20 %. I contacted Ditech because my realtor ran comparable pricing in the area and found my home had gained more than 20 % equity thus allowing me drop the private mortgage insurance. When I contacted Ditech they stated that they would have to have an appraisal done, which I would be charged for, but they would have to pick the appraiser. I allowed them to proceed because my realtor had informed me the pricing would be well above what was needed. When their appraiser finally provided a value on the home it was 80.6 % loan-to-value. This very much seems like Ditech influenced the value of the home because the comparable sales that the appraiser used do not support her pricing ( I am filing a complaint with the Arizona board of appraisals against the appraiser ). I have since challenged Ditech on the value that they gave my property and the authenticity of the appraisal that was completed by their appraiser. I have sent Ditech supporting documents showing that my home value is higher than their appraiser and Ditech has ignored all other relevant data and are denying removing my private mortgage insurance. At this point, after over 6 months of dealing with Ditech I was forced to refinance my home with another company that was baffled that Ditech could not see the proper home value, they refinanced our loan without even doing an appraisal. I also received from Ditech my original signed documents CLEARY showing that there was NO documentation about the condition they are now holding too. Ditech is claiming that I agreed to a seasoning period with the PMI and that because my loan is less than XXXX years the 80 % condition is changed to 75 %. The Private Mortgage Insurance Disclosure, that I signed, only references that the loan-to-value must reach 80 % or on XX/XX/2022 Ditech would be forced to remove it themselves. In the document I signed and the discussion I had with loan officer that handled my loan there was NEVER a mention of the 2 year seasoning or the 5 year 75 % requirement. Ditech is manipulating the situation to only benefit hem.
02/10/2016	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	GA 313XX	Web	Servicemember
XXXX XXXX 2016 To Whom It May Concern : Thank you in advance for your time and guidance. My name is XXXX XXXX XXXX XXXX XXXX and I am currently stationed at XXXX XXXX, Georgia. For the last few months, I have made several attempts to rectify a matter concerning the unauthorized use of my signature to obtain a home equity loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$30000.00} while I was XXXX. Upon reviewing my credit report a few months ago, I discovered several items listed in the " collections '' category ; XXXX in particular being XXXX Home Equity Loan Line of Credit, a loan that I did not request nor sign. When I contacted XXXX, I was informed that my former spouse ( XXXX XXXX XXXX XXXX ) had obtained this loan to include signing my name without any proper authorization. Several calls were made to XXXX to resolve this matter during which I was informed that there was a Power of Attorney ( POA ) on file. However, XXXX was unable to produce the POA upon my request. Since this time, the noted defaulted loan has been placed in collections with Green Tree Servicing LLC. I contacted Ditech Financial LLC / Green Tree Servicing LLC to discuss this matter and was later instructed to execute a Quit Claim for the property associated with home equity loan. The Quit Claim action was processed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida in and for XXXX XXXX, a copy of this document was provided to Ditech 's Financial LLC legal department whereas they have negated to remove me as a party in this matter. I am seeking this agency 's assistant with resolving this matter, as there was no legal documentation in place authorizing my former spouse to sign my signature on this loan. Several times I have attempted to speak with the leadership at XXXX concerning the alleged POA they have on file and each attempt has been met with a failed point of contact. Enclosed with this complaint are several supporting documents : XXXX XXXX Property Information, XXXX Borrower 's Promise to Pay Note with my unauthorized signature, XXXX XXXX Notice XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for identity theft and XXXX credit report XXXX XXXX ). Again, thank you for your time and assistance, please feel free to contact the undersigned if any additional information is needed. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
09/19/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 608XX	Web	Servicemember
My original mortgage was with XXXX XXXX XXXX ( XXXX ) when it went bankrupt XXXX took over ( XXXX ). We made our payments to them faithfully. In XXXX we applied for a loan modification to lower our interest rate from 6.75 % and they set us up with XXXX Modifications.Loan. Our interest rate went to 6.625 %, with payments of {$2100.00}. beginning XXXX/XXXX/XXXX. We paid these monthly and it even shows on a copy of the Verification of Mortgage 0 late payments as of XXXX when XXXX XXXX XXXX XXXX XXXX took over collecting my payments. Again, I never missed a payment, nor did I make any late payments with XXXX. In XXXX XXXX I was informed that Ditech Financial LLC would be now collecting my mortgage. The first payment to them was for the XXXX payment. Again, I have not missed making a payment or paid late. In XXXX of XXXX I chose to refinance with another company and requested a V of M from Ditech and instead received a notice that my mortgage was 3 months delinquent and I had 30 days to pay up or my home would go into foreclosure. WOW!!!! We quickly got the money and paid it, figuring we could have the mortgage audited. I sent all the paper work and a letter requesting the audit XXXX XXXX XXXX. I received a letter confirming that they got it and were reviewing and I would hear back in 30 days. Guess what?? No resolution and no one can find the paperwork. Going forward, my new mortgage company requested a V of M on the XXXX XXXX form in XXXX XXXX and we finally received it the end of XXXX. The portion asking for " # of late payments in the last 12 months '' has a 6 in the space. I have not only my portions of ALL the Cashier 's checks, but also copies of ALL the CASHED checks to Ditech and XXXX. I feel that Ditech is holding us hostage as I am only getting the run around, no return calls, mostly condensation from the " Supervisors, STRESS and ANGER. I also find it very annoying when the person at Ditech frequently points out that " they could refinance my loan. '' REALLY!!! I really need help as this whole cluster mess is causing great stress not only on me but my family. I have been crying almost every night I get home and have to call Ditech and try to explain everything over and then to get transferred to " someone who can help '', only to have to explain AGAIN. The frustration is getting too great. PLEASE HELP!!!! You are my last hope.
11/03/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	VA 23323	Web
My wife, XXXX, and I started to see discrepancies in our statements that did not match up with any normal late fee charges. On our XXXX/XXXX/XXXX statement from DiTech it showed a charge ( XXXX ) added. When we contacted XXXX @ Ditech on XXXX, we were told that they did not receive any payments for XX/XX/XXXX The statements show that the payments we were making were going into a " Misapp Rev '' account. XXXX saw a problem and stated that she would send the account for review to have it corrected. We continued to receive statements with more collection messages threatening to foreclosure on our home. In XXXX, there were XXXX XXXX in the family and in XXXX my wife contacted DiTech to ask for an extension. They refused because they told her they did not help with that because we had a XXXX XXXX XXXX loan. So, this year we have made some late payments but every month was paid in the end. We show that we are paid in full at this time and are getting ready to pay XXXX 's payment. On XXXX we contacted XXXX again and were told that an audit was done in XXXX XXXX and payments were found from XXXX XXXX that were kicked back. No information would be given on where they went. Further review shows that payments we made to the prior mortgage company ( XXXX ) were on Ditech 's page and {$3700.00} payment was not one we made ( from XXXX transfer? ) A payment we show from XXXX XXXX is not credited to our account as well. It looks like DiTech took the difference in these amounts and reallocated somewhere and now are saying we owe and are in default of our loan. We agree that payments have been late BUT every payment was made from XXXX XXXX present when XXXX transferred the loan to DiTech XXXX We do not understand why we are being told to go to our bank and collect the last 2 years of statements to prove we made a {$2400.00} payment when that is not an amount we would have ever paid. It seems as if DiTech made a numerical error when the loan transferred and they are now making us responsible for paying for it. Is n't it their job to SERVICE the mortgage and not take advantage of homeowners? Any help you can provide in assisting with this matter would be GREATLY appreciated. We will be in contact with a lawyer to go over the details because we no longer feel safe in providing additional information to DiTech for them to attempt to use it against us.
06/06/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 91304	Web
It must be awful when a mortgage holder is behind on their payments and the debt collectors begin their calls, it is another matter when a mortgage is current with payments, and the debt collectors call! Such is the practice of Green Tree Servicing , LLC. In conjunction with, XXXX XXXX XXXX XXXX XXXX. As a subscriber to the F.T.C. e-mail alerts and messages, I am aware of the recent court case involving Green Tree Financial, LLC. Yet I feel the wolf just found another path to avoid the shepherd. I noticed some unusual new information on my XXXX 2015 statement from Green Tree Servicing , LLC. Principal : {$510.00} Interest : {$400.00} Escrow : {$0.00} Regular Monthly Payment : {$920.00} Total Fees & Charges Due : {$0.00} Optional Insurance/Other Products : {$0.00} Past Due Amount : {$0.00} Total Amount Due ( Reinstatement Amount ) : {$920.00} Accelerated Amount : Reinstatement Amount? Accelerated Amount? Default??? Then the calls started from XXXX XXXX XXXX, and it is just too bad I ca n't attach these voice mails " This is an important message from XXXX XXXX XXXX XXXX XXXX. this is an attempt to collect a debt any information will be used for that purpose, please return our call back to XXXX XXXX extension XXXX '', this message followed with me everywhere I went in XXXX, my cellphone, my home phone, my business phone, my mothers ' phone. I called in response to every phone call I received. As an somewhat aware consumer I left messages, " I am unaware of any outstanding debt, yet I do not as a practice will pay and or converse in any matter of this type without an invoice and or written statement of the debt, I am willing to work this matter out in the most expeditious method possible up and to the event of arbitration. '' I never would receive a call back, just messages and voicemail. It was n't until I received a letter dated XXXX XXXX, 2015 from Green Tree Servicing , LLC that the pieces fell into place. " During a review of your account Green Tree determined that your billing statement dated XXXX/XXXX/15 inaccurately indicated your account was in default and erroneously included a reinstatement and acceleration balance. " That is nice, now what other damages, errors, omissions falls on the hands of the individual? Pay to pull all my credit reports, and if there is a " blemish '' caused by Green Tree 's erroneous actions?
07/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 730XX	Web
On XXXX/XXXX/15 my bank sent an electronic mortgage payment to Greentree Servicing for {$1500.00}, ( confirmation # XXXX ) since I had forgotten that the payment had just gone up due to escrow, on XXXX/XXXX/15 I had the bank send the remainder of the payment {$23.00} ( confirmation # XXXX ). For a total of {$1500.00} which is what my payment is. ( This payment was for XX/XX/XXXX, I was a little behind ) The payment shows up on my account when I log into my account on GT 's website, but they have not yet applied it. I 've talked to XXXX different people and they 've all told me, they see the problem and will fix it. I 've also sent XXXX emails to them and all I get back is a letter saying they will look into it. Instead, on XXXX/XXXX/15 I receive a " Notice of Default '' that my XX/XX/XXXX payment is now 60 days late and I have 30 days to catch it up. I think they did this on purpose to throw my account into Default. It should not take 30 days to credit my payment, as of this date XXXX/XXXX/15 it still has not been applied. I 'm still getting rude, harrassing phone calls telling me my XX/XX/XXXX arrangements are not acceptable. They 've sent a guy to my house to collect, which I refuse to give to him, since I do n't if he 's truely from there or not. I did n't have any arrangements and the payment was made 30 days ago, just needs to be applied to the principle, interest and escrow. I do n't understand why it is taking over 30 days to apply it. I always have my bank make the payment electronically and it shows up on my account the same day I make it. One lady told me, it was n't going to the right division, which does n't make since if it shows up on my account, they are obviously recieving the payment. I want this payment applied to my XX/XX/XXXX payment like it 's supposed to be and the " notice of default '' rescinded. As I was NOT 60 days behind when the notice was sent. Yes I do owe for XX/XX/XXXX still, but that only makes me 30 days behind and they do n't send out notices unless it 's 60 days behind. However, I 'm afraid to send them anymore money until I know it 's going to be credited to my account in a timely manner. They see the payment there, why ca n't they apply it. Not to mention, they 're reporting to my credit that I 'm 60 days late, which is clearly not the case. Tired of their incompetence and harrassment.
03/24/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 344XX	Web
We have been processing a short sale for a client who has a mortgage through Ditech Loan Servicing ( FKA Green Tree Servicing ) since XXXX. The original offer started out at {$420000.00} and it was not accepted because the lender was not taking into consideration the effect that structural issues & damage has on the value. The home is sinking into the ground and into the lake that it is on. We have provided Ditech with several full appraisals, engineer 's reports & repair bids to substantiate this. We have had several offers since XXXX, each time lower than the last due to these issues AND this home can not qualify for any type of financing and can only be purchase with a cash buyer who is able to make the necessary repairs. Each time Ditech rejected the offers no matter what supporting information was provided. This brings us to XXXX XXXX. An offer was received for {$300000.00} after the potential buyer completed an appraisal of his own to determine what a viable offer would be ( he made the offer at full appraisal value of {$300000.00} ). Ditech did an appraisal which resulted in a value of {$330000.00} and rejected the offer. We were able to find another buyer at {$330000.00} and submitted the offer to Ditech on XXXX/XXXX/XXXX. Ditech has since done another appraisal and is now saying that in a span of less than 3 months, the appraised value has increased to over {$430000.00} and they will not be considering the current offer of {$330000.00}. They have no explanation as to the differing values and will not even discuss this any further. No one will speak with us and the assigned representative does not respond tocalls or emails as we have been trying to reach him since the offer was submitted on XXXX/XXXX/XXXX. In addition to this, Ditech throws out any documents on file once an offer is rejected, so each time a new offer is submitted, a completely new application package and all supporting documents ( such as divorce information which does not expire ) have to be resubmitted. This is extremely frustrating to the borrowers, yet they have complied with each request. Ditech has rejected several viable offers which were supported by appraisals, repair bids, engineer 's reports etc and they are moving forward with the foreclosure when the borrowers have done everything to comply with the short sale process requirements.
03/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 637XX	Web
This problem actually started in XX/XX/XXXX when I received notice of escrow shortage in the amount of {$3700.00} when they raised my payment amount from {$540.00} to {$700.00}. Then XX/XX/XXXX they sent another escrow shortage notice in the amount of {$2500.00} and raised my payment slightly from {$700.00} to {$700.00}. Then XX/XX/XXXX I received another escrow shortage notice of {$1500.00} and raised my payment from {$700.00} to {$710.00}. Then XX/XX/XXXX I received another escrow shortage notice {$2600.00} and they are raising from {$710.00} to {$880.00}. The notice states exactly this : " Our review shows your escrow account has a shortage of {$2600.00}. Once we pay your upcoming insurance and/or tax payments, your escrow will fall below the required minimum balance. See Section 4 for details. Your monthly mortgage payment is also changing XX/XX/XXXX. Your new payment amount depends on which option below you chose : " Choices are pay the escrow shortage balance {$2600.00} in full by XX/XX/XXXX or monthly payments raises to {$880.00}. I have called repeatedly since XX/XX/XXXX to try to resolve this issue. And in just this last 2 weeks have left several messages online and on voicemails to have someone contact about this very serious issue. I have asked to cancel the escrow account since I have now been paying directly to the insurance agent the homeowners insurance since XX/XX/XXXX. They still have not contacted me, they still have not closed the escrow account. I sent a certified letter in the mail directly to their office on XX/XX/XXXX requesting them to close my escrow account and provided proof of Homeowners insurance that is paid through XX/XX/XXXX that I paid from my pocket ... not the escrow account. No one at this company returns calls, no one answers when transferred to their customer care line. It says there is a 20 minute wait but it actually hours ... then still no one ever answers. I've sent online messages to have someone contact me from the escrow department many many times and more recently within these last 2 weeks yet no one has ever contacted me. This payment is double what is should be. And they are stating that this escrow shortage is to cover what is going to be paid ... .when really nothing will be paid from the escrow account since I am paying the insurance agency directly. Please help me.
10/12/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	VA 24153	Web
I first requested a Loan Modification Packet from Ditech Financial on XXXX/XXXX/2016 which I never received. I have never missed any other correspondence from Ditech. After calls to the service center, I was instructed to download documents from the website and given a list of other documentation to upload or send into the company. I sent in everything as requested. On XXXX/XXXX/2016 I called XXXX back and was told my application was not complete and additional items were required. I sent in much of the same information again. Since that time I have called multiple times to check the status and every time I get the same story- something is missing from my file/I need to send something else in before the modification can be reviewed. 2 weeks ago, I was told all my modification paperwork had been received and that they would begin reviewing the file. Oddly, the Supervisor came on the phone line to clarify why I needed a modification and discouraged me from proceeding until I explained I had a XXXX. I guess fear of discrimination made her back off. Yesterday I called to check the status of my Modification requests and was told that the underwriter assigned to my file was no longer with the company ( which was untrue ), and that my applications was not complete. Ditech had lost a document I sent in TWICE before, and stated this is the reason I have not been reviewed for modification. I 've been asked to send in the non-borrower 's credit form XXXX different ways. My tax forms were sent in twice with my signature page a XXXX time. CS representatives actually instructed me to " just XXXX '' forms I could n't find on the Ditech website. One XXXX instructed me to download and send in a form that had another bank 's name inscribed. In another phone call yesterday, I requested a copy of my consumer rights and was told that no such thing existed. A supervisor said something to the affect that maybe I was referring to CFPB but they did n't have to provide copies. At this point I feel that my modification request is being intentionally blocked. The requests for multiple resubmissions of paperwork is nothing short of harassment. If this is the improved XXXX Ditech is supposed to be providing as a result of the Greentree settlement they are failing terribly. CFPB needs to stop Ditech. This site is full of stories just like mine.
08/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 990XX	Web
Illegal collection practicesharrassmentthreatsThe mortgage company contacted me demanding that I bring the account current. In XXXX of this year I missed a payment but I 'm doing the best I can to pay once a month since then. XXXX, from Greentree started to read me the disclosure about collecting from me when I informed her she had no legal right to collect from me as I a not on the Note. I am only on title. This should all be in the notes in the file as I 've been having issues with Greentree and illegal collection tactics since XXXX 2015. The loan was in my exhusband 's name only. I was deeded title to the property in the divorce. He filed bankruptcy after the divorce and discharged the debt. I reaffirmed with Greentree and have been making the payments since. When I got one payment behind in XXXX, I started receiving up to 8 calls a day from Greentree trying to collect. Even after I told them repeatedly that they have no legal right to collect from me because I '' M NOT ON THE NOTE. Today I got a call from XXXX from Greentree demanding that I bring the account current or they would start foreclosure proceedings. I explained for the millionth time the situation. She continued to harrass me after I told her she did not have my permission to contact me at this number. She placed me on hold and put XXXX on the line. Then he proceeded to harrass and threaten me as well telling me that if I didi n't make a payment and bring the account current it would go into default. The account is only 27 days past due as of today XXXX told XXXX I would make another payment in about a month and that the house is under contract and I 'm just waiting for it to close. He demanded I tell him when it would close. How XXXX do I know? So I told him I would get my crystal ball out and see if that would tell me. Then XXXX said that I was living in 'Greentree 's property ' that it did n't belong to me and that I needed to bring the account current. It 's only 27 days past due. I am sick and tired XXXX. I am doing the best I can to keep the payments up. They have tried numerous times to collect from me after I have told them not to. I 'm tired of being harrassed when I 've done everything I can to keep sending in monthly payments. Hopefully my house will close quickly so I do n't have to deal with these jerks anymore.
10/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92807	Web	Older American
This would be our THIRD complaint issued against Green Tree Servicing LLC ( " GT '' ) - now diTech. Following the transfer of our loan to GT we issued XXXX previous complaints with your bureau due to GT 's harassment and illegal deceptive collection tactics, etc. and their failure to provide accurate accounting information regarding our mortgage account. Following the previous XXXX complaints, GT did issue a letter ( XXXX/XXXX/XXXX ) providing the accurate account information as being current ( attached as Exhibit " A '' ) and finally provided the acct balances info, i.e. principal, interest, escrow, etc. we had REPEATEDLY requested. Presently, we have been approved for a new loan which would SUBSTANTIALLY lower our interest rate from the current GT-Ditech 5.875 % rate. The new lender requested verification that our last 12 mos. payments on our GT-Ditech mortgage have been timely which of course they have. However, because of the inaccurate and FALSE information provided by ditech to our new lender regarding the history of our mortgage account insisting that we have been " seven times late '' when in fact this is completely FALSE and inaccurate as evidenced by the attached documents under Exhibits " A '' thru " D '', we have been unable to close on the new loan. The attached Exhibits prove that GT-Ditech 's information is FALSE because our account in fact has been, and is current as each and every payment made on this account has been TIMELY going back to even XXXX/XXXX/XXXX when GT issued their letter confirming the account as " current ''. We contacted Ditech on at least XXXX separate occasions on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in an attempt to correct the information. The first representative did n't understand our account and provided wrong information and refused to transfer us to a supervisor. The second and last representative ( there have been MANY ) to whom our account has been " assigned to '' after we explained the situation and that we just wanted the accurate information provided so we can pay off the loan and close escrow with our new lender - said " there was nothing he could do about it '' and hung up. Ditech 's actions appear to be INTENTIONAL so that we are OBLIGED to keep our high interest bearing loan with them all for THEIR financial gain and OUR financial detriment. PLEASE HELP!!! Thank you.
03/14/2018	Yes	Mortgage VA mortgage	Trouble during payment process	NC 28540	Web	Servicemember
ever since ditech took over my loan I have had nothing but headaches with this company. I was sent an escrow surplus check on XXXX for XXXX. I e-mailed ditech in XXXX to apply the check to my escrow. It is now XX/XX/XXXX and they still have not done so. Then I get my mortgage bill and ditech said I was short XXXX and raised my house payment. I keep getting form letters in the mail but no one is fixing the problem. 2nd complaint in XXXX they took my taxes out in the middle of the year, I filed a complaint with y'all they told you they had fixed the problem well they lied they never fixed it and turned around and did it again in XXXX ditech says on their web site they collect taxes 20 days before due date. The due date for taxes in XXXX NC is XX/XX/XXXX. They sent me an e-mail in XXXX saying they had paid my taxes so I went to the tax office my taxes had not been paid. And ditech proceeds to tell me that I was short. Well duh! If they had taken my taxes out like they were supposed to I would not be short. The ditech check was a XXXX XXXX XXXX check. ditech is a predatory lender. They also gave false information on my XXXX form. They say they have had my loan since XXXX, which is false.They tell me they have paid out my taxes and insurance when in fact they have not they change the dates to reflect something else. They sent me an e-mail that taxes were paid in XXXX and then I get an escrow statement that says they were paid XX/XX/XXXX which is not true. They do this in order to make looke like I was short and to raise my house note. Where I come from that is called stealing. Something needs to be done about this company they are crooks and commit mortgage fraud on a daily basis then lie and say they have fixed the problem which they never do. There are so many RESPA laws being brokenand no one is holding ditech responsible. If call them on the phone they talk in circles which I thought they were supposed to fix the last time the attorney generals office took them to court. They are not abiding by any of the mortgage laws. Now I pay my house payment on time every month. I DO MY PART make them responsible for their part and just because they tell you they have fixed the problem they really haven't and your office needs to check up on them to make sure they have followed through NEVER take ditech 's word for anything.
01/02/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 21206	Web	Older American, Servicemember
i was concerned for my taxes this year on my home i called ditech financial whom is my mortgage lender and they had told me that it would be over XXXX dollars for my mortgage if i was to add my taxes so i said no thanks i would pay them out of pocket and now i was to find out that ditech paid my taxes even though i gave them no written or verbal consent to do so,, when i called to ask why my mortgage had exploded to over XXXX dollars this month they told me that they had paid my house taxes for the city of XXXX, ,but i had already paid them out of my pocket for the year which was XXXX dollars,, now im begin told that XXXX had called ditech to get my taxes paid but when i called fannie mae they said they have no record of that nor would they do that because it would be illegal to do so,, so ditech lied to me about my house taxes and why they paid them after i had already paid them out of pocket and lied and used fannie mae as an excuse. my husband and i are on a fixed income him being a veteran from XXXX in XXXX and im a XXXX that just recently had XXXX,, they did this without my consent and now im told ill have to pay XXXX dollars to close the escrow account and get my mortgage back to the XXXX it was every month, my husband and i cant live like this we never asked them to pay our taxes and we can not afford the balloon payments they are asking now and we had a fixed rate before, they did this to a XXXX couple on fixed incomes and our family has owned this home for over three generations over 79 years we have always paid our bills on time and owe no one anything we dont even use credit cards because we are afraid of going over our limits .not to mention that since we had our ditech loan we have only been paying XXXX a month which they divide into XXXX for the principle and XXXX for the finance charges every month,, its not only the worst mortgage we could have ever had but we, my husband and i never asked for it we were sold to ditech from another mortgage company and did not want ditech to ever be involved with our mortgages because of their shady practices in the past. basically my husband and i were pushed into this without us ever being asked, and the worst is they have made changes to our mortgage without ever calling us or sending written consent to do do. my husband and i need help,, we are in XXXX maryand
05/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84096	Web
XXXX XXXX, 2016 Formal Complaint To : Ditech XXXX XXXX XXXX XXXX XXXX, SD XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX In regards to Ditech Loan number : XXXX Property address XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern ; On XXXX XXXX, 2016 my automatic mortgage payment to Ditech was scheduled for the XXXX of each month had not been pulled from my bank account, because of this I called Ditech and was told due to a change in Ditech 's autopay system that my original autopay was cancelled and I would need to pay my bill on line and later set up a new autopay. With that in mind I made a one time payment online, however my autopay which was set for the XXXX of the prior month was not cancelled and instead ran on the first of XXXX along with the one time payment I made online. On XXXX XXXX both my husband and I received phone calls from Ditech explaining the mistake and stating they would be wiring funds back to my bank. I have not received those funds yet. On follow up phone calls to Ditech I have been told both that the funds were wired on the XXXX and they were n't able to give me any form of Federal Reference number and that their seems to be some conflicting information causing them to think the funds have not been wired to my bank. Each time the representative or supervisor states they need to send an email to the back office who processes those transactions and will get back to me. I began calls to track this down with my bank on XXXX XXXX, 2016 and began escalating to supervisors at Ditech on XXXX XXXX. I have still not received any calls regarding the location of these funds. As a separate complaint, on Tuesday XXXX XXXX, 2016 I was speaking to a supervisor by the name of XXXX, who I believe intentionally disconnected the phone call. I 'm highly disappointed in the service we are receiving regarding this matter, the inconsistency in the answers I receive and the fact that we still have not received these funds back. Today is the XXXX of XXXX, if you had not received my monthly mortgage payment by now you would have charged me {$55.00}. Will Ditech be sending me an additional {$55.00} as a late fee for holding my money? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX, UT XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX
12/21/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	SC 294XX	Web
We have been trying to get a loan modification for the last 8 years. When Ditech asks for the information to process this ( bank statements, tax returns, paystubs, etc. ), and we submit them and confirm that they did indeed receive everything they need to complete the modification request, they send us a letter that we have not completed the requested paperwork. This exact same scenario has been going on for 8 years. The mortgage company for our home changed hands at least XXXX different times in 8 years. XXXX, XXXX, XXXX XXXX XXXX, Green Tree and the latest call to Ditech was made on XXXX/XXXX/15. The representative assured us the loan modification paperwork would arrive in 5-7 days. We had a XXXX way call with my husband and his real estate agent to confirm this in order to get more information on our options regarding selling the home. The real estate agent heard that we would receive it as well. We called 1 week later and the reprsentative with Ditech said that he never said that and denied even speaking with us. The representative thought our real estate agent was a lawyer. After several times explaining that he was NOT a lawyer but a real estate agent wanting to get a better understanding of our selling options, specifically short sale vs. foreclosure, he refused to discuss our case anymore. I called on XXXX/XXXX/15 @ XXXX to be exact. I believe all of the calls are recorded for " quality assurance ''. I called to follow up with this after again not receiving the loan modification paperwork, and the caller said she cant talk to me or she would lose her job and hung up on me. I called again to get more information because just a few weeks earlier they wanted to discuss this with us, and the caller, a different woman this time, hung up on me again. We have been very involved and wanting a resolution to our problem. We didnt walk away from our home, we continued to keep up with our home improvements, all we wanted was an opportunity to get a loan modification. There was NEVER any paperwork sent to us after confirmation after confirmation that they did receive all the loan modification paperwork they needed. I have written logs of everyone I spoke with, dates included, just to get a loan modification review. We were promised we would receive the paperwork, and over 8 years and have never received anything.
11/08/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20774	Web
My father passed away XX/XX/2016 and ALL of his effects, computers, everything was taken by a family from over XXXX yrs ago, he was paying the mortgage. They contacted Ditech and had all documents pertaining to my house and mortgage mailed to them, which means we had no way of contacting them ; no knowledge of even how to pay or who the loan provider was. We happened to find a paper in the house with Ditech on it and it turned out to be our loan provider. DItech our mortgage provider, we were snapped at and said that we ARE NOT the contact and they hung up on us. WE LIVE in the home and my mom owns half the house. But we had to wait until the court-appointed to discuss with them. That happened on XX/XX/2016. Almost XXXX months after he died, interest is still accruing, no payments made on the house yet. Then I contacted Ditech. I sent in all needed documentation. I spoke with a XXXX Ditech/XXXX then tells me my home is dangerously close to foreclosure, meanwhile, WE HAVE GOTTEN NOTHING WRITTEN BY THEM. I asked for an email, and they said they do not email anyone outside of DItech. I told them they had been dealing with some other person without any proof from the courts and that was irresponsible and reckless and now we are near defaulting on the loan. They are asking for XXXX paid at XXXX TIME!! This is unreasonable. We have nothing in writing ever sent to our house about anything regarding payments or the status of the house. I was feeling overwhelmed with this, so I asked a family friend to speak to them on my behalf and they asked for a written authorization, signed by me, allowing him to discuss terms of the estate. I have done everything they have asked ; all documentation sent. NOW, they are just dodging our phones calls, no responses, I email, I call, I leave messages, our family friend is doing the same, they are not responding. INTEREST is accruing and we want to figure this out. WE ARE NOT TRYING TO REACH FORECLOSURE. We just want to figure this out because Ditech allowed our information to be given to this other family prior to the court-appointed XXXX being authorized. If we had known or were allowed to speak with someone instead of being hung up on we could have made arrangements months ago. It should be illegal to just allow anyone to talk and change an address on someone else 's mortgage.
06/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DE 199XX	Web
To Whom this may Concern .... my wife and I have a mortgage through a company called Ditech. Around XX/XX/2015 I was released from my job, at the time I was making around {$48000.00} a year. Immediately after I was released I contacted Ditech to keep the communication line open just in case I fell behind with the payments they would know why. To make a long story short this company has been harassing us to no end, when I tried to make the past due payment last year around XX/XX/XXXX one of the customer service reps told me that I did n't have a payment due at that time and I was told to make my regular payment on another date. NOTE : THIS IS ONE TIME THAT I WHISH THE PHONE CALLS WERE RECORDED LIKE THEY SAY THEY ARE BECAUSE THEY WOULD CLEARLY HEAR THAT CONVERSATION AND HOW I WAS GIVEN THE WRONG INFO. So with all that being said I never lost communication with Ditech and I 've been trying my best to work this situation out with them. Then I 'm told that I qualify for a modification, so my wife and I submit all the documents that they asked for at least three times and every time they kept telling us that we did n't submit the proper paperwork in time. After communicating with these people on a regular basis they still sent someone out to post notices on our door and when I asked the rep Why were they doing that? he told me that they do that to make sure the property is being occupied so I tell him is all they have to do is ring the doorbell because we 're home each time they do it, it 's embarrassing.Finally I work out an agreement to pay an additional {$600.00} to my regular mortgage payments to try to catch up on the past due payment and these payments are set up to come out of my account automatically but do the harassment stop ... .no it gets worst now they are sending us certified forclosure letters and to make matters worst the letters are going to our neighbors houses. Please is there anything that can be done to stop this harassment, I can see if I had n't been communicating with these people but I have been up front with them since last year and they still are harassing me over one payment and some late charges. Now I 'm making {$52000.00} a year and have been trying my hardest to catch up not just with my mortgage but with other bills also. It 's seems to me that they do n't want to work this out
01/02/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	TN 38301	Web
1. During the month of XXXX I purchased a property thru Ditech located at XXXX XXXX XXXXXXXX tn XXXX. Prior to closing I was approached by the adjoining property XXXX XXXX. He told me the home was partially on his property. He wanted the home moved off the property. I immediately call the field rep for Ditech ( XXXX XXXX Ph. XXXX ) and told him what happened. I told him I would not close the property unless Ditech vereifed the legal description and that the home be completely on the legal description. He sent XXXX XXXX surveying out to verify the boundaries. XXXX XXXX located XXXX pins and the home was clearly inside the pins. I contacted XXXX XXXX XXXX and told him what XXXX XXXX had to say. I also told him if he disagreed he should get his own survey and if it differed we would attempt to reconcile the problem. XXXX XXXX did not call back. I closed on the property and spent apx. {$25000.00}. to remodel the place. I rented the home and heard nothing else until apx. XXXX XXXX. I went out to check on the property and a survey line had been laid thru the middle of the lot. On the following monday XXXX XXXX recorded a deed from his niece transfering ownership to him. XXXX XXXX hired an attorney and ordered me to move the home. He would not accept any offer to settle the matter. He wanted the home moved. I hired XXXX XXXX XXXX XXXX. to investigate the matter and file siut on XXXX XXXX. His investigation reveled that the the location of the home did not match the legal Description true point of beginning. I attempted to contact Ditech but no one responded.I think this could have been taken care of by the Ditech foreclosure attorney but with no response from Ditech and based on the findings I moved the home to the boudaries of the correct legal description. I had to do this to protect my interest as well as the banks interest. I have a mortgage on the property.. 2. I want Ditech to reimburse my costs in this matter of apx. {$18000.00}. This is the cost of moving the home, installing a new well, connecting the sewer etc. If they disagree I would like for a mediator to handle this and I will be happy to work with anyone that Ditech thinks should here this matter. 3. My information XXXX XXXX, XXXX XXXX XXXX, XXXX, TnXXXX email XXXXXXXXXXXX 4.. attached are letters from my attorney, Ditech and XXXX XXXX Bank XXXX
07/05/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 19146	Web
Letter requiring your urgent wisdom and assistance because of the Harassing and Negligent acts ignoring all legal documents of resolve by the Bureau of Consumer Protection by : Di Tech Financial LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Phone XXXX XXXX Fax XXXX XXXX Account # XXXX There was a complaint registered by myself on XXXX XXXX, 2015 about what was then Green Tree Servicing, LLC - BCP XXXX. It stated that Green Tree reneged on a written mortgage agreement of payment. The result was that Green Tree DID NOT solve any of the issues but sold my account to DiTech Financial, LLC dispite the written resolution in the concluding documents of the complaint. I have not missed one payment, continued to pay DiTech, but they have continuously harassed me from the time they received my account with at least 100 calls per month and with each payment that I make I have still been penalized with so many late fees that it adds up to monthly payments. This is occurring even thought I have made over the required payment each month consistently since being pushed into this company. To make matters worst they have just sent me a threatening default notice without applying any of the over payment monies to the account. 1. They have refused to follow the resolution of the case documented. 2. They are still demanding another months payment or else. 3. They are ignoring the over payment in my account 4. Keep charging me late payment on payments received as promised ( end of month ). 5. Collecting these late charges until they become as big as monthly payments. 6. Using the charges to push me into negative status and harassing default notice. I have followed all documents to the letter and number and Di Tech Financial, LLC as well as Green Tree Servicing, LLC before them have continuously ignored all the legal documents and aggressively done what they wanted, as they are now trying to force me to foreclose on my house. I seek your wisdom on this immediate matter as they, Di Tech Financial, LLC, is giving me 30 days in their latest harassing default letter to respond with a payment that is in error ( especially since on the day that their letter was created I MADE A DOCUMENTED OVER THE REQUIRED MONTHLY CONSISTENT PAYMENT. ) Eagerly waiting your response, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
12/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	XXXXX	Web	Older American
I have an urgent problem with the servicing of the mortgage on my property in California. ( I am living in XXXX, XXXX XXXX. ) Green Tree, which was awarded the servicing of my mortgage a few years ago, seems to have merged with a different company. I have not received a statement in 3 months. I have received no notification of the situation and no information about where my mortgage is held now. There is no online contact information for either company. I have continued to send my mortgage payment to the Green Tree account, so as not to trigger default problems. Payments are continuing to be received but there is no acknowledgement. Without any information about where the mortgage and who is servicing it, this now seems extremely foolhardy. I need : A letter from the company which is now responsible for my loan. Account number, address, phone number, and working Internet URL. I need a report confirming payments received in year 2015 and full electronic access to my account ( URL which works in XXXX XXXX. NOTE : Green Tree was never able/willing to give me access to my account online. After I complained to CFPB about not having access to my data, company was ordered, and agreed, to send me monthly statements, showing the current principal and last payment. That arrangement worked until three months ago. If notifications were posted on the Green Tree site, I obviously had no access to them. The new mortgage company needs to be aware of this IT problem at Green Tree, which cut off all electronic information outside the XXXX. I need this ASAP. I can not continue sending money to a nonexistent company which does not have an Internet presence with a phone number. Attached : scan of the last statement I got from the Green Tree mortgage company. My account number and address information are there. Thank you so much for your assistance. XXXX XXXX XXXXXXXXXXXX DETAILS According to this source XXXX Green Tree does not exist anymore. Its listing Green Tree Servicing XXXX XXXX XXXX XXXX Mortgage Services https : //www.greentreeservicing.com/ brings brings blank on XXXX search. ( That 's in XXXX XXXX. By searching complaint groups ' sites, I have found that the presumed successor company is Ditech, but their site is also unavailable : https : //www.ditech.com/ " This webpage is not available ''
07/16/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	IL 612XX	Web	Older American
In XXXX, XXXX, XXXX sold my HELOC to Green Tree. Starting in XXXX, XXXX, I have had nothing but trouble with them. First, they told me I 'd missed the first payment and that I had a balance from XXXX that was sent over with my account. A manager at XXXX ( I wish I could remember his name ) had me on the phone while he tried to call management at XXXX XXXX to tell them that, in fact, I did not have a balance. All XXXX times, he got voicemail, all XXXX messages went unanswered. Over the years, GT has said I am in arrears, they have charged me a small fortune in late fees, that I do NOT owe, charged me for some Corporate fee they say was sent over from XXXX. XXXX reversed that charge in XXXX. About a month ago I get a veiled threat on my monthly statement that if I do n't pay up, they can exercise their right and seize my property ... over less than {$700.00} that I do not owe! A few weeks ago I called, again, to dispute these charges. I spoke with XXXX in the collections department. I kept insisting I do not owe this money. At THAT time, I told her I pay, and have paid, this account in the same fashion, on the same date, since its inception. She stated that I was fine until XXXX XXXX. When I asked what happened in XXXX of XXXX, she could n't tell me! When I called again a couple of weeks ago, I spoke with her, again. She stated that I missed the XXXX XXXX payment and made a double payment in XXXX. She stated I also missed XXXX XXXX payment but did n't catch up. I have my Bill Pay records to prove differently. All payments have been made, on time, to Green Tree. All the while they have been telling me, and charging me, I am a month in arrears. Today I sent certified letters to both of their locations in XXXX and XXXX. I enclosed copies of my Bill Pay records and the statement from XXXX that the {$40.00} fee had been reversed. I told them I expect a corrected statement of my account within 10 business days of receipt of my letter. I do not have great faith these sleazy crooks are going to back off any time soon. I did some further research and found that you, and the XXXX, took them to task and in XXXX of this year, they were fined and guidelines they are to follow, laid out. I am here to tell you, they are still practicing their dishonest protocol and I am reaching out to you for support.
10/16/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92021	Web
In XX/XX/XXXX I received a notice of default on my mortgage from Ditech Financial. I called and was told that my escrow account was short of funds in XX/XX/XXXXand so my payment was increased as of XX/XX/XXXX by {$300.00} per month to catch up the escrow account. I told them that I did not receive this notice nor have I been receiving monthly statements. They checked their information and found that they had been sending the notices to the wrong address. I immediately started paying the new higher amount. The next month I received my first statement showing that they had misappropriated some funds and I was now exactly one month behind in my mortgage. When I called they said that because I paid on the XXXX for the next month, the funds went into suspense and were not applied to my payment. The next month - XX/XX/XXXX I received a notice of default. I called again to be told the same thing and that their automated system was messing up where the payments were being applied. Again, their fault and they would rectify it on their end. Somehow with this call they also changed me over to electronic statements and I did not receive a statement for XXXX. In XXXX, I got the default notice again. My husband spent 4 hours on the phone with them and got them to accelerate our issue to the next level of management. The date of that call was XX/XX/XXXX. Someone named XXXX at ext. XXXX. She waded through the whole mess and again told me that since I send my payments early, the system is not applying my money to the correct area. She took all of my information and said that if I paid {$98.00}, we could be back to up to date. They would take some of the funds in suspense and apply it to the payment, and would " borrow '' some of the escrow funds to pay back the approx. {$1200.00} of escrow fees late from XXXX - XXXX. She was going to call me back the next Monday, one week later, to verify that she had it all worked out. I did not submit the {$98.00} since the automated payment would likely get applied incorrectly. I was going to do that when she called me back. She never has. I have left 5 messages personally on her voicemail, my husband has left 3. My Mortgage statement shows us now a little more than one month behind and I have paid EVERY payment early. Is there any help I can get for this at all?? Thank you
05/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91789	Web
There are XXXX companies reporting a delinquent account that originated with a 60 month loan with XXXX that was secured by a vehicle. The Loan was originated on XXXX/XXXX/XXXX for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on XXXX/XXXX/XXXX. I paid this loan as agreed until Approximately XXXX XXXX when the loan was transferred to Green Tree for servicing. I was notified by Green Tree that my balance was still {$13000.00} after I had been paying my payments since XXXX ( 5 years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on XXXX XXXX, XXXX which I refused via fax on XXXX XXXX, XXXX and asked them to come and pick up the car that the loan was secured on. Green Tree then transferred the Loan to Ditech Financial who also tried to collect before selling the account to XXXX XXXX. I currently have a delinquent closed account being reported on all XXXX of my credit bureau reports by Ditech Financial LLC for the loan which was originated with XXXX as well as a delinquent Open Collection Account on all XXXX of my credit bureau reports by XXXX XXXX in the amount of {$13000.00} which again was originated with XXXX. My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the Green Tree Welcome Letter ) ; completely different than the Original Note ( Shown on the XXXX Loan Origination Note ) The Green Tree Welcome letter does however reflect the correct XXXX Loan/Account number and corresponding Green Tree account number, which is then referenced by Ditech Financial and XXXX XXXX. I will also include a letter from XXXX stating that they no longer have any of the documents of my real estate loan that was originated with them ( it was actually a 60 month vehicle loan that originated on XXXX XXXX, XXXX ) so they will delete the account from my XXXX agency credit reports. I would like to have any delinquent accounts associated with the Loan that was Originated with XXXX be deleted from all XXXX of my credit bureau reports PERMANENTLY Deleted.
02/11/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60586	Web
I filed a chapter XXXX bankruptcy XX/XX/XXXX, after missing 1 mortgage payment. I have made up the missed payment through my chapter XXXX repayment plan. Since XX/XX/XXXX, Ditech has kept all loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, and escrow information, including escrow analysis and balance ) hidden from me at Ditech.com. Ditech sends monthly " informational statements '' to my home address without ANY loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, late fees, and escrow information ). It is basically a blank statement. Ditech has removed reporting of my mortgage loan from all of my credit reports. The loan originated XX/XX/XXXX. Ditech has incorrectly calculated my XX/XX/XXXX yearly interest payment on my form XXXX at {$2700.00}. I have no way of correcting this because I can not communicate with them nor can I view my accounting of applied payments with principal and interest. Ditech has not applied my previous payment XX/XX/XXXX to my account. Ditech 's automated phone system will only transfer me to their " make a payment '' option, which then states that that I owe {$6300.00}. If I try to connect to a Ditech representative, I am automatically transferred to another company : XXXX. Ditech has sent letters to my bankruptcy attorney, each time stating a different loan representative name and phone number to call if I have questions or need help. Yet when I call the Ditech phone number provided, I am automatically forwarded to another company, XXXX XXXX XXXX. I am unable to speak with anyone at Ditech. I have recently fallen behind on my mortgage and am unable to reach anyone at Ditech for assistance or information on the servicing and calculations of my account. I will be filing a complaint with my State 's Attorney 's office ( XXXX XXXX ) as well as following the guidelines of RESPA, and contacting XXXX, who is the loan holder of my mortgage. I will also file complaint with the FTC. Ditech, formerly Green Tree, should be found in contempt of court for failure to uphold the STIPULATED ORDER FOR PERMANENT INJUNCTION AND MONETARY JUDGMENT filed on XX/XX/XXXX, with the UNITED STATES DISTRICT COURT, DISTRICT OF MINNESOTA.
04/21/2019	No	Mortgage Conventional home mortgage	Trouble during payment process	GA 303XX	Web	Older American
I prepaid approx 52 % or {$200000.00} toward a balance of {$370000.00} with Ditech. The {$370000.00} was shown on the statement from Ditech dated XX/XX/2019. I mailed one check for {$200000.00} as prepaid principal on or about XX/XX/2019. It finally credited in 2 parts, {$50000.00} on XX/XX/2019 and then {$150000.00} on XX/XX/2019. The loan is an annual adjustable with the rate adjusting with the XXXX payment each year. A Ditech representative advised me to ask for a loan modification which would translate into a reduced payment going forward. Loan modification docs were sent from Ditech to me by XXXX. They required a signature from me, 2 witnesses and a notary. This was all done one XX/XX/2019 at my attorney 's office and copies sent back to Ditech in the enclosed return envelope by way of XXXX. My attorney retaining copies of all. It was signed for by XXXX XXXX at Ditech on XX/XX/2019 at XXXX XXXX. Tracking # XXXX in XXXX, FL. The 11 payments prior to the principal reduction had been {$2400.00}. After the modification the 12th payment which was for XX/XX/2019 payment dropped to {$1100.00}. This seemed fine. Then the statement arrived dated XX/XX/2019 showing a balance of {$170000.00}. This seems fine. However on the following statement dated XX/XX/2019 the required payment is showing as {$2500.00}. This is way, way off it should be about {$1200.00} on a 19 year amortization which is the time period left in the contract. I have made 8 contacts with Ditech over the past month plus. Including the hold time they have averaged about 45 minutes each. I have sent letters and had live chats with Ditech reps. I always get the same run around " it is being reviewed '', " we see the problem '', " I can't change your payment '', " you are not allowed to talk with anyone who can change the payment because they don't take calls ''. This has been well over a month and now the payment is almost due. I am unable to get this mess corrected. I understand that filing for BK and having court supervision makes things complicated for Ditech. It is clear and obvious they all the docs since the XXXX payment was modified and properly reflected the principal reduction and loan modification. According to the phone reps at Ditech if I don't make the requested payment it will be reflected as late on my credit report!
07/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 366XX	Web
Everything started between XXXX and XXXX. We bought the house in XXXX XXXX. We paid for an inspector to come out and inspect the home. He said everything looked to be good. He said the previous water damage has been fixed and it was not. He lied to us about the whole thing. When we called the housing inspector he said he was bonded and licensed so we called the insurance company that he had and we were getting the run around. We hired an attorney and he proceeded to file the correct documentation. He filed a lawsuit against the gentleman and his insurance company. The gentleman had documentation he was covered under the insurance. When our attorney turned in our documentation showing the inspector had insurance the inspector said he did not have insurance when he inspected our house. When that happened the insurance company denied the claim. When he did that he also filled bankruptcy, we were not allowed proceed any further because the claim was denied by the insurance company. We could not sue the inspector because he filed for bankruptcy. At that time I continued to call my current mortgage company, XXXX and explain the situation. They told me I would need to pay 20 % of the home value to be able to have the PMI dropped. I explained I could not do that because I did not have the funds for the PMI to be dropped so we could fix our house correctly. They told me, that there was nothing they could do until I paid the 20 %. And the mortgage was transferred to a different company. Every time we requested to have the PMI taken off we were transferred to a different mortgage company. Each time it was changed I proceeded to call the company multiple times and they would tell us there is nothing they could do for us. It has gone on until today. I believe this is now the XXXX mortgage company in 9 years. I have paid my 20 % on my loan. And still to this day they still have not dropped the PMI. I am still paying over {$820.00} a month on a mortgage loan of {$74000.00} with the PMI at {$260.00}. My mortgage is paid down to a balance around XXXX when I paid a lump sum of {$6000.00} in XXXX to bring my mortgage down to the 75-80 % mark to be able to drop the PMI. My mortgage is down to about the 70-71 % mark now. And I have paid about {$8000.00} now on my PMI. And we have never been late on a payment.
12/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30017	Web
I contacted Ditech 's preservation department on or around XXXX/XXXX/2015 after I had been informed that Ditech had sent someone to my property to cut my grass. The company they retained- XXXX XXXX XXXX retained another smaller contractor who completely destroyed both sides of my gate along with the pad lock that was securing the property. They knocked the fence off the posting on both sides of my gate. By the way, the backyard is fenced and locked so I 'm not sure why they felt the need to break thru the gate to cut the back yard, which can not be seen! I contacted XXXX XXXX XXXX and they claimed Ditech 's preservation department authorized them to cut the lock and to gain access to the back yard. I had been corresponding with Ditech 's XXXX XXXX in the property preservation department to work on a resolution but my emails are now going unanswered. Due to their unscrupulous actions, my home has been unsecured since the company they hired trespassed on private property and destroyed my fence, gate and locking mechanism. To make matters worse, they have been and are now charging me corporate advance fees for the lawn maintenance and now fence repairs for a gate their contractor broker! I must tell you I have pictures where no repairs have taken place. Additionally, I asked on XXXX/XXXX/2015 that they issue a cease and desist order to all vendors from entering upon my property, but they are still authorizing vendors to perform work at my property. When I initially inquired about the " XXXX XXXX XXXX '' appearing on my statement, I was told that this was part of my escrow shortage. When I inquired on another occasion, no one knew what the fees being charged were but would send me a statement, which I never received. I recently spoke to a SPOC with Ditech, XXXX XXXX on XXXX/XXXX/2015 and he did n't know what the fees were for either but promised to find out why these fees are now in excess of {$1300.00} on my account. I must tell you that we are being forced to pay them in addition to the regular monthly payment. Our payment was refused if we did not pay toward the corporate balance. I am appalled at how my loan is being serviced and fear that other consumers are being taken advantage of. I never had these problems until my loan servicing was switched from XXXX Mortgage to Ditech. Please help!
10/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77586	Web
My mortgage was transferred to Ditech XX/XX/2016 when XXXX XXXX XXXX became Ditech. I was notified XX/XX/2016 to start making payments to Ditech at their new address. XX/XX/XXXX 's payment had already been sent to XXXX and the check cashed. In XX/XX/XXXX I made all further payments to Ditech. In XX/XX/XXXX I called Ditech to see why I was being charged for Earthquake insurance as we do n't carry that in Texas. Up until this point all I had for a statement each month showed what I paid, there were no statement balances at all shown. I asked about balances and was told I was one month behind. I asked how that could be when I have made every payment each month on time and have my cancelled checks. " XXXX '' said he would look into it and get back to me. Next month I got statement saying I was behind, I called and was told I had n't made XX/XX/XXXX payment, said I did, made it to XXXX, the girl told me to call XXXX to get it straightened out. That 's when I found out DItech WAS XXXX. Called back-long story short, I have called 34 times since XX/XX/XXXX. I talk to someone different each time, no one knows anything, you have to explain again, and they always say, you are late-you must pay-threaten foreclosure. I have had these people lie and say they are managers, I get an extension number each time I call with a name, when you call back, no one knows who you are talking about. I have sent my supporting documents with copies of every months ' cancelled checks 3 times to XXXX different fax numbers they have given me and asked each time that they call and let me know the fax was received and everytime I hear nothing. Now they are saying I am 2 months behind but not one single person I have talked to can give me any idea how that is possible. I have a cancelled check for every month that shows deposited into their acct. I also am paying a huge amount each month to escrow, I have over 3 years worth of taxes and insurance in their acct but they ca n't pay my taxes or insurance on time and I still have n't seen my money back they paid out for earthquake insurance that I do n't have. I have already been down a similar path with XXXX XXXX XXXX. I thought there was supposed to be safe guards put in place that watched these mortgage companies to insure the public was n't getting completely XXXX again.
03/19/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 027XX	Web	Servicemember
XXXX XXXX XXXX ( deceased ) & Executive of the Estate : XXXX XXXX XXXX with the Property XXXX XXXX XXXX XXXX, MA XXXX ; paid in full Loan # XXXX with Ditech Financial LLC ( " Ditech '' ) listed at XXXX. XXXX XXXX XXXX, IL XXXX with XXXX XXXX XXXX & XXXX XXXX XXXX 's XXXX XXXX Checking Account ending in XXXX in the amount of {$17000.00} on XX/XX/2019 after the Quitclaim Deed was recorded at XXXX County XXXX Registry of Deeds Book XXXX Page 27 on XX/XX/2019 at XXXX. Ditech send the Escrow Overage Check to wrong address on file, to the heirs residing at XXXX XXXX XXXX XXXX, MA XXXX, made payable to the deceased XXXX XXXX. The heirs notified me, XXXX XXXX, of the check and a call was made to Ditech Financial LLC concerning the error ; a stop payment placed on the check. After eight phone calls, and multiple hours of conversation, and sending over the requested documents proving acting executive of the estate and ownership of the property ; Ditech continued their dishonesty in regards to sending the final statement, note of the property paid in full, closing letter, and escrow overage check. Multiple times I was told by a Ditech Financial LLC customer service agent and Ditech 's supervisor on a recorded line that the check was mailed to my address on file for the property of XXXX XXXX XXXX, only to be notified an hour later that it was not mailed because more information is required. Ditech 's requested documents were send immediately by myself, XXXX XXXX, via email, multiple times per request. Ditech Financial LLC continued to not follow-up by any means of communication despite being told by their supervisors, that they would follow-up with this issue in a timely manner! Ditech Financial LLC has failed to provide any tracking information ( even when I offered to pay for certified delivery ) for the final documents and escrow check to be mailed by carrier of their choosing. Nor could Ditech Financial LLC verify that any documentation owed or checks owed were sent after the original. Over a dozen times I have called Ditech Financial LLC concerning this issue on both their recorded line and mine. Ditech Financial LLC has not delivered on their promises, and have since claimed bankruptcy and diverted all of their assets. I feel their intent was to never mail me the monies owed.
05/11/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA XXXXX	Web
I am submitting a response to DiTech 's comments based on a complaint submitted to the CFPB ... ( # XXXX ) I could not respond on the site online after the original complaint, because the computer would not allow me ; so I am submitting another complaint .... DiTech 's response comments are distressing to me based on the following : 1. DiTech never answers any of my complaints but repeatedly states the same erroneous comments. 2. I have and am paying DiTech {$1000.00} a month which is well over the monthly amount requested with an " unapplied '' balance that consistently grows each month. DiTech never applies or discusses these $ amounts and only " uses '' them when they attempt to Default my loan and take my home .... ( subtracts these $ amount from the total they want me to pay to COME CURRENT ) 3.. Although I pay {$1000.00} every month ; every 2 to 3 months I still get a notice to Default to take my home with an elevated amount to pay at a specific date.. I still have always complied either immediately or with the direction of a supervisor who corrects said amount to pay. It has ALWAYS been an amount to COME CURRENT ... Therefore, how within the ne xt 2 to 3 month s is that action to Default again attempte d by DiTech even though I never skipped a payment but have paid consistently OV ER and ABOVE the regular monthly amount paying {$1000.00} on a XXXX XXXX m o nthly bill. 4. I am paying an interest rate that is one # when I call and substantially higher when other companies research my loan. DiTech h as never tried to lower nor have they given me positive progressive ways to better pay off my mortgage. All I have gotten fro m DiTech and its employees is negative harassing and aggressive tactics, pushing me to Default on my loan. 5. In response to this, DiTech keeps erroneously comm enting on a XX/XX/XXXX payment at t he beginning of my being Pushed into an account with DiTech in 2013, a whole 4 years ago that I have paid off over and over again when they bully me to pay these large amounts to COME CURRENT and then in the next 2 to 3 month s do the same thing. If I have COME CURRENT then I AM CURRENT .... My monthly statement should not reflect an extra " Pre/Post Dated '' month that I will be charged for with a letter in this vicious cycle.
09/11/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MD 21045	Web
I had a XXXX mortgage with XXXX XXXX XXXX, in XX/XX/XXXX I fell behind due to the mortgage crisis and me being a lender myself. I also had a XXXX mortgage I fell behind on. Green Tree Mortgage bought my XXXX mortgage from the XXXX lender, the note amount was for XXXX, Green Tree offered me a buyout settlement for XXXX, I was told by my lawyer not to accept it. Green Tree then bought my XXXX mortgage from XXXX XXXX XXXX, time after timer after time I would speak to Green Tree about a modification and then would send out a packet. I would then ask them what the XXXX mortgage payment would be in addition to the XXXX mortgage. Every single time and it just happened today the Green Tree rep would say " YOU DONT HAVE A XXXX MTG '', this is not true I do have a XXXX mortgage. This has gone on for years and years, they can not nor will they provide any info on my XXXX mtg. I was called XXXX time and the rep said " It was forgiven '' I was then called a few months later and the girl insulted and laughed at me when I said someone told me it was forgiven. I am a single father of XXXX and this has been so emotionally draining on me. I want information on what my XXXX mtg payment would be if we did a modification they they never ever give me that info. I even went to mediation with a judge and the lawyers for Green Tree in XX/XX/XXXX and the judge asked the lawyer about a XXXX mtg. The lawyer said he was not aware of XXXX. The judge had the lawyer call Green Tree on the phone and ask about a XXXX mtg. He was on hold in front of the judge for XXXX minutes. Someone from Green Tree finally confirmed there was a XXXX mortgage. The judge then asked if Green Tree would guarantee not to foreclose on the XXXX mtg if I agree to the first mortgage modification, Green Tree responded " No they could not guarantee that ''. The judge then told me not to accept the modification offer since they could come a month later and foreclose on the XXXX mtg. I have tried over and over to get information and Green Tree refused to provide anything. It is a Federal law that they have to provide a borrower information within 30 days of a request on an account, they have violated this law over and over. I have been harassed, spoken down to insulted for years by Green Tree I want an answer about my XXXX mtg. Please HELP
11/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 936XX	Web	Older American, Servicemember
I am registering this complaint against Ditech LLC. We had a loan with this company which was paid off on XXXX/XXXX/2016. They sent a check for the escrow funds they were holding in trust. However, the check was payable to myself and my husband who had passed away. I contacted them regarding this matter on XXXX/XXXX/2016 ; and was advised to return the check and send an original certified copy of his death certificate to the address in XXXX XXXX, Minnesota attention loan servicing - escrow. The check and the document was sent on XXXX/XXXX/2016 by USPS priority mail which was received by them on XXXX/XXXX/2016. On XXXX/XXXX/2016 I contacted by phone and the customer service representative stated the check and document had been received and to call back in 7 days. I contacted their office again on XXXX/XXXX/16 and was told I needed a probate affidavit ; asked why did they not tell me that in the last XXXX calls. On XXXX/XXXX/2016 I sent an " affidavit for collection of personal property under California probate code XXXX '' which was notarized along with a cover letter via USPS priority mail. The items were received XXXX/XXXX/2016 at the same XXXX XXXX Minnesota address. I have since contacted their customer service representatives and supervisors in Texas and South Dakota to no avail. On XXXX/XXXX/2016 I spoke with a customer service representative in South Dakota who referred me a director XXXX XXXX who requested I send an email with attachments of the documents ; which I did and a cover letter requesting she contact me and advise she did receive the email and documents. I have attempted to reach her on her private line and all I ever get is her voice mail. On XXXX/XXXX/2016 I contacted the Customer service department again and the customer service lead stated she would have XXXX call me back on Monday XXXX/XXXX/2016. This never happened. I have called the direct line several times since only to get her voice mail. I did notify her on the last XXXX messages that I would be contacting the " CFPB '' to report this situation. This company lacks in customer service skills, follow thru and follow up. I want my escrow monies ; I paid them in good faith and followed their instructions. I have asked on numerous occasions if they needed anything else from me and no one has said a word.
01/31/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 97116	Web
In XXXX of 2016 DiTech financial informed us they did not have proof of our last property tax installment. We faxed the receipt to them and heard nothing more. In XXXX, we attempted to pay our first installment of property taxes and were refused. We were told that DiTech paid them. We called DiTech and asked why they paid the taxes and they said that they started a escrow acct. We were not informed nor did we request a escrow acct. We asked DiTech why this happened and we were forwarded to the Property Tax division where we eventually were passed to a supervisor in the XXXX office name XXXX. XXXX investigated and admitted that DiTech made a mistake and that we should not have had the escrow acct. That it was XXXX and right after the holidays within a week he would contact us and let us know that the issue was resolved, that the taxes were now back in our responsibility. The contact never came, my wife and I personally called XXXX and left numerous messages but no returns ever came. A letter came XXXX XXXX stating that our account had changed and it was now under escrow, no viable information as to why was offered. We made our normal mortgage payment ( without the addtional escrow fee ) in XXXX, DiTech accepted it without issue. Since we determined that the only way we were going to get out of the escrow account was to search for a refinance option. We found an option with better terms and shorter duration and no escrow. We accepted the offer and closed on XXXX XXXX. We attempted to pay our XXXX payment to DiTech and they refused the payment unless we paid an additional XXXX for the escrow. We stated we were not paying the escrow that we never agreed to the escrow and we had found other financing because they forced us to. DiTech responded with the threat that we either pay the full amount they stated or they would turn us over to the credit agencies. On XXXX we received a letter from DiTech stating we are now late and have added $ XXXX to our account as late penalty. This threat, even if it does not come true, is completely a bully tactic and left us with no choice but to look for your help. We will also be filing with the Oregon State Attorney General 's office so that DiTech can be told that they do not have the right to bully and do as they wish with my home or credit.
10/28/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 32810	Web
Ive requested a deed in lieu, many times now, however I have only received the run around from Ditech Financial. As a consumer that has tried to keep open communication with the mortgage company, only to get denied responses from Ditech and never a phone call is bad enough, they instead filed a foreclosure on me instead of granting me a deed in lieu. Ditech decided to show me just how much they cared about their customers. Ditech sent a third party vendor to my home, to survey the house, who decided to trespass into my property, steel some of my belongings, vandalize the house, ripped down curtains from the window, winterized my appliances and changed my lock and left a paper. When I called Ditech and asked them what was going on, they told me I was # of days pass due and they needed to see if the home was in broom swept ready condition in order to approve me for a deed in lieu. They also told me I had water damage. Then said they were told by the vendor that the home was vacant. I told them the vendor knew the home was not vacant prior to trespassing and they ripped down my curtains to make the appearance the property was vacant. I told Ditech they knew my place was not vacant because every time I call them they ask me if the home was vacant and I gave them the same answer each time, which is no and that someone is staying there until my deed in lieu is approved. I asked them what reputable company sends a vendor out to their customers home to rip down curtains and destroy property to make thier customers home appear as if it is vacant and steel their belongings? Of course Ditech could not answer that instead they said Im sending an email to XXXX XXXX so they can take the lock lock off of your home so you can get back into your property I asked for the number to call them and was told I could not have thier number they had to call me and they will. Well my conversation with Ditech took place this morning and now it is XXXX and still no call from thier vendor XXXX XXXX. I also asked Ditech for the CEOs email and was told the relationship managers manager would call me back, also no call. Ive never experienced such defamation, fraud and deceitful business practices from any company. Please help this concerned consumer. Im sure Im not the first customer they have done this to.
03/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FM 33414	Web
I had a Loan Modification granted after 3 years working with XXXX different Banks first was XXXX where I was offer a modification, a trial period was set for 6 months where I was paying about {$1700.00} a month for 6 months when I finished the 6 months the bank did not grant me the modification and send me a letter telling me that they will not longer service my loan and will be transfer to Green Tree where my principal was increase in {$140.00} and also the Interest to 6.125 % I accepted this modification since I work very hard and give a substantial down payment my payment was set to be {$4100.00} and 3 months later increase to {$4200.00} then to {$4300.00} and 20 months later to {$5400.00} where it was impossible for me to make this payments. I contacted the Institution Green Tree and they said they will try to HELP me modifying the payments back to the original {$4100.00} but I have to continue making payments at this point I ask my relatives for help and they help me for over 6 months where Green Tree one more time offer to modified the loan and go back to the original amount off {$4100.00} but This never happen and the loan one more time was transfer to Ditech Financial where My loan Number and the rest of my information never change only the name Green Tree to Ditech Green Tree was name in XXXX large class action Law suits where recently I was add to be part of the claim against them for irregularities on my loan. Dithech send me a letter inviting me to a meeting organized in XXXX XXXX for different banks to help people like me with Mortgage Problems where I was inform by Ditech personal that my loan HAD MANY IRREGULARITIES and one more time was offer a modification They ask me one more time to submit all the paper work via fax witch I did but they keep telling me that they did not received them at this point I begin to send all the documents via CERTIFIED LETTER at least 2 times this time they accepted that they received them, but coincidentally I just reconceived a letter from Ditech telling me that since I have not pay my mortgage for 6 months I am not eligible to be considered to modified my loan. I send every paper the requested by Fax and also by certified mail at least 2 times in the past 6 moths but one more time they refuse to gave me a loan modification.
01/06/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 19151	Web
This is the 2nd complaint against Ditech. The 1st complaint was closed, # XXXX. Ditech 's response to my initial complaint indicated four checks were issued to me in the amounts of {$1100.00}, {$500.00}, {$120.00} and {$1700.00}. I was not aware of this until I reviewed the response on cfpd site. I immediately went home to review un-opened mail from Ditech, as I assumed the correspondence was simply confirmation of the electronic payments made from XXXX. I located check amounts, {$500.00} and {$1700.00}, however check amounts {$120.00} and {$1100.00} were never received. These checks needed to be re-issued. I spoke with several Ditech representatives on different occasions about the missing checks and was given conflicting information. At least XXXX different representatives indicated the check will be re-issued checks will take 7-10 business days for me to receive. I spoke to a supervisor, XXXX, from the Florida call center XXXX in early XXXX, she informed me she will investigate and contact me, she never did. I attempted to contact her and spoke with someone else, on XX/XX/XXXX, who stated the checks were re-issued. Since it has been well over 10 days I contacted Ditech again and spoke to several people who did not seem to understand the reason for my call and would transfer me to someone who could not assist me. Finally, I spoke to a manager in the XXXX, AZ office by the name of XXXX XXXX. XXXX stated she could not confirm if the checks were re-issued and will submit a request for checks to be re-issued and will follow up with me in 2 days. I also provided her with ACH information to help expedite payment. At this point I am beyond upset, as I am clearly getting the runaround. I lived in the property for over 16 years and now I am facing foreclosure for what I believe to be a mix up/break down of communication. The representatives I have communicated with since XXXX all have a different skill-set and provided conflicting information. I am in need to the money due to me, as it will help me stay in my home. Now I have a new mortgage service ( XX/XX/XXXX ) and they are not aware of any of this return payment issue with Ditech. In addition, the mortgage servicer mentioned in Ditech 's response is not correct. I am receiving correspondence from a servicer, XXXX XXXX.
06/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33312	Web
Our mother owned a house in XXXX. She XXXX last year from XXXX XXXX XXXX and we are now trying to sell her home. Prior to her XXXX, she transferred title to her home to my sister and me through a XXXX XXXX Deed. She owned less than $ XXXX in assets and as we are the only heirs, there is no need to do a probate. A probate is expensive and is not required in this case because she didn't own anything. Just the house. Which she transferred to us. There is a mortgage on the house and we have been paying it monthly since our Mother 's XXXX. However, Ditech will not give us any information on the account. We are the legal heirs and legal owners of the property - and DiTech will not give us a payoff, or tell us the monthly amount to pay. We are trying to do the right thing and they won't speak to us at all. We even called after Hurricane Irma and they wouldn't give us any information on how much the monthly payment should be or if we should defer payments due to financial hardship after the Hurricane. We are trying to sell the house and we have sent to DiTech our Mother 's XXXX Certificate, the XXXX XXXX Deed which transfers title to our names, and our authorization to release the payoff to our Attorney 's office. Ditech is saying that we are not authorized to get any information on our mother 's account. We own the house. We are her only children. And they will not give us access to our mother 's account. It is legally unnecessary to do a probate on our Mother 's estate - and is a financial burden to us. And yet, Ditech still refuses to review their regulations - they see a " one size fits all '' approach and don't realize there are individual circumstances. Our mother 's estate does not require a probate. We own the house. We are trying to pay them as per the Note our Mother signed - and they are not giving us the payoff information. They are preventing us from selling the house, providing clear title to the buyer, and paying the money due to them. This is obstruction. This is cruelty. This is business at it's worst. XXXX size does not fit all, Ditech. And someone in your organization should have a brain to figure out how to provide a payoff so that it doesn't cause your customers and their family members undue financial burdens or undue stress.
12/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 286XX	Web
I contacted Ditech back in XXXX to request assistance as I had lost my job and was in the process of starting a new one as a XXXX XXXX XXXX which was XXXX. I had lost my job in XXXX and had been paying my mortgage out of savings but after paying XXXX I would not have the money to continue until I earned income as a XXXX. I informed Ditech that I would not likely receive any income until 6 months from my start date. I then proceeded to provide them financial information for myself, my husband ( who is not on the loan ), and my parents who live with me. Initially the information was submitted through their document upload system and the system showed that the documents were under reviewed. However a month later we receive a call from XXXX XXXX stating she was our loan counselor and that the documents ( although their system has provide proof of receipt - which we printed ) were not fully received and that we needed to resubmit. We proceeded to fax the documents. Once again approximately 2 weeks later XXXX XXXX called again stating they did not receive a complete package. We then requested an email address which we could submit the information to. We emailed all the information requested, including multiple copies of Form XXXX authorizing them to obtain 5 years of our taxes. Time elapsed and we received no answer from Ditech. Instead we found an note on our door saying they had been by to inspect the property and that we were to call them to address our delinquency. I sent XXXX XXXX an email requesting clarification on this and she never answered. We are now 45 days late.I sold my car and used part of the proceeds to pay XXXX and XXXX. Now that we are current on our loan we receive a call from XXXX XXXX requesting a non borrower credit check for my husband and copies of his SSA award letter. We are now XXXX and XXXX XXXX calls again and says if we want my parents income included in their decision we need to provide them with copies of their bank statement, a non-borrower credit check and their SSA award letter. I spoke with XXXX and said I did not want to have their information included and that I wanted an answer ( approval or denial ) from them. Close to 60 days have elapsed and we have received no information from Ditech. We are currently behind for XXXX and XXXX.
03/09/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30311	Web	Older American
I have been in a, Short Sale process with Dietch ( formerly Green Tree ) and XXXX since XX/XX/XXXX.The lenders have delayed making a decision on the process. I can not no longer afford to remain in the home, due to a financial hardship due to living on a fixed income, health issues, expensive medical care, treatments and high cost of medications. Additionally, Major home and auto repairs are contributing to me suffering a financial hardship trying to keep the home. I have live in the home for over 13 years, at the time that the home was purchased I was working. I retired in XX/XX/XXXX. My income decreased from {$78000.00} annually to less than $ XXXX.My income can not keep up with the cost to maintain the home. The home is XXXX levels, my health is deteriorating making it difficult to walk up the steps.I have provided both lenders with continuous documentation since, requesting the XXXX XXXX have complied with all documentation requests from the, lenders. I have submitted all information accurately and timely since XX/XX/XXXX.Ditech and XXXX continue to delay making a decision on my case. Both lenders frequently misplace submitted documents and claim that they did not receive them and that my application is incomplete due to missing documents. I have a team which consist of a Facilitator, a Realtor and a Law Firm who are representing me. The team reviews every document that I complete, prior to submitting them to the lenders for accurate, information. I am bombarded with multiple letter weekly claiming that they did not receive the document and states that my request is denied due to incomplete information. IF have been asked to send the same information in repeatedly. They continue to claim that the documents have expired and that I need to updated the same information that I have been submitting all the time. I have not been provided with any justification for the long delay and lack of decision. I have always submitted and honored all request from the lenders. I am fully aware of the severe fine that the FTC and the CFPB levied against Green Tree XX/XX/XXXX for mistreating customers. I feel that the lenders are treating me unfairly. I need your assistance with investigating my case to find out why the lenders do not come to a decision on my Short Sale request.
03/23/2017	Yes	Mortgage Other mortgage	Settlement process and costs	OH 44266	Web
Good morning. I 'm trying to settle my home loan with Ditech. My home has been listed on the market for over a year. I finally found a buyer who is offering {$18000.00} CASH to purchase the home. It 's a mobile home in a park. Unfortunately, I 'm underwater on my loan. I owe {$29000.00} and have been paying on the loan for 17 YEARS and am current on the loan. I just want to sell it and get out of the mobile home park. At first, Ditech told me to do a short sale application, which I did. That was denied because they do n't do short sales on mobile homes in parks. That was run-around # 1. So I was instructed by Ditech to do a settlement letter, simply saying I request Ditech accept {$17000.00} as full settlement. I completed the settlement letter as instructed. I wait only to be told shortly later that the settlement was denied because they want more money and that my settlement letter provided no details. Run-around # 2. I told them their rep said to provide no additional information, only that I was requesting settlement. Too bad, Ditech said. So my buyer increased her offer to {$18000.00} cash and I resubmit the settlement letter with the higher amount plus the additional info I was asked to provide, i.e., why am I moving/selling the home, when will they get the money ... So I submit the offer and wait again. Throughout this process, I 'm told the hierarchy of Ditech, which seems to morph each time so I 'm never really sure how the application is being reviewed. I 'm also told by different reps that my settlement will be accepted because they 've accepted other settlements on accounts owing more with greater deficiencies for loans that have been owned for less time. I called yesterday ( XX/XX/2017 ) to check on the status and was told the settlement was denied again. No reason is provided other than they are n't obligated to accept any amount less than what is owed. This time I 'm told to file an appeal ( why was n't I told about this appeal process before? ). Meet run-around # 3. Again, no guidance, just submit another letter and caption it " appealing denial ''. I faxed the appeal letter yesterday. Clearly, I 'm being strung along and will most likely lose my one and only buyer. Any assistance and guidance you can provide will be appreciated. Thank you.
12/19/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MD 20735	Web	Older American
DITECH I am having serious problems with the servicer of my home equity line of credit. The loan was originated by XXXX XXXX XXXX ( a predator lender ) then assumed by XXXX XXXX XXXX then sold to Green Tree now known as DITECH I have had repeated problems with Green Tree/ Ditech . such as : 1 having my monthly payment applied to the wrong account. 2.holding the amount I paid extra with my monthly payment in an escrow account to be applied toward next month 's interest. **It should have gone to reduce principle. 3.confusion and lies in addressing my latest concerns, due date change, loan modification or ReFi. Ditech is reporting me over thirty days late with my payment for XX/XX/XXXX. My payments are due on the XXXX of the month. So I pay the XXXX of the month only3 days later. Each month I send extra for the 3 to 4 day delay and verify it on the next statement When I saw my credit bureau, I forwarded a copy of each monthly payment debited from my bank account for XX/XX/2016. to Ditech I called a couple days later to discuss and get the error corrected. The gentleman I spoke with was having difficulty and asked his supervisor for help. Supervisor XXXX asked me " And what is your question ... ''? I guess she had n't been briefed so I explained again. She responded in a very harsh tone " Well you 've been over 30 three times ... ''. I was astonished, thanked her and concluded the conversation. With that attitude I was n't going to get anything resolved. I called two mores times the next week and got promises " you will see the correction in XX/XX/XXXX '' or " you 'll get a call back '' So who was I to it write to. Ditech, s president, XXXX XXXX is gone, resigned or fired. The parent company, XXXX XXXX, XXXX XXXX, CEO is working to downsize the company to make it more " efficient ''. What happened to providing effective customer service for the accounts they have. The staff is rude and confused. This is clearly not happening and needs oversight by a Regulatory Agency. My loan is due to reset to higher payments, no one knows when. I did the math. A higher payment I can not afford and sill cause me to default. I asked Ditech 's loan modification specialist, XXXX to please call me so I could apply. To date I have not received a return call from Ditech.
06/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NV 89122	Web	Older American
My loan was transferred from XXXX on XXXX XXXX to Ditech. I have been making my payments on time. I received a letter from Ditech stating there is an escrow shortage of {$7900.00} on XXXX/XXXX/XXXX and stated that the payments would increase from {$850.00} to {$1000.00} on XXXX without explanation as to how there is a shortage on my account. I do n't understand how my payment for my escrow account could go up from {$100.00} to {$330.00} without a reasonable explanation. I tried calling to resolve without success and no answers to my situation. I received a history of account and it was so small that it was hard to read so I requested a new one that was in print I could read and they refused. I was able to tell that the account history does not provide an explanation for the escrow shortage. I did speak with XXXX towards the end of XXXX and I was told there was in fact an error made and I would have a response by the XXXX of XXXX and I called today with my counselor and the case is still in investigation. I sent a letter to request that the information be corrected or that an explanation be provided on XXXX/XXXX/XXXX and have still not received a response which according to regulations should have happened within 30 days. My first payment for the {$1000.00} is due this month and I do not have extra money to pay this higher amount ; this was expressed to Ditech and they said I still have to pay the full amount even though they have taken longer to investigate the case. My housing counselor spoke with XXXX and stated that I had no shortage on XXXX XXXX when it was previously serviced from XXXX. Counselor called Ditech during appointment and spoke with XXXX ID # XXXX who stated that I did not have an escrow shortage prior to loan transfer from XXXX in XXXX of XXXX and believes this is a mistake. Counselor asked that the issue be fixed before payment accrues late fees on the XXXX of XXXX, XXXX stated that the full payment must be made and stated the amount for the escrow would be refunded when it is resolved but I do not have extra money to pay {$200.00} more this month. I am now reaching out to you to help me resolve this issue with Ditech because I have not been able to get the issue fixed and they have not given me a date by when they will have this fixed.
12/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 238XX	Web
In XX/XX/XXXX, my ex-husband and I had a sun room added to our first home. The original loan documents were place with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Minnesota XXXX for approximately {$32000.00}. This loan was then bought out by Green Tree XXXX XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. On XX/XX/XXXX, Green Tree Mortgage merged with Ditech, which is my current lien holder. After placing several calls requesting a copy of my entire payment history, XXXX, customer service representative, advised me this request will have to be submitted via email. On XX/XX/XXXX, an attempt via email was made to obtain a copy of my payment history beginning with origination date to present, which has not been received as of date.The original loan amount was approximately {$32000.00}, with monthly payments being {$410.00}, my payment being made in XX/XX/XXXX, which I continue to pay as of present. I currently send this company {$200.00} bi-weekly which are paid through my bank via my pay. I can't seem to understand how I have paid this debt for 18 years and still have a remaining balance of {$27000.00}. I have paid off the home which was roughly {$64000.00}, paid off a brand new car which was roughly {$24000.00} since taking out this loan and still owe pretty much the same amount of monies that were initially financed. This can not be, this finance company is fraudulently taking my money by adding astronomical interest to this loan. Ditech is making false representations about amounts owed as I do not owe the above stated amount. According to the loan statement, my current interest rate is 14.999 % with only {$70.00} being place toward the principal of this loan. At this rate, this loan will never be paid off, despite already paying {$90000.00} which is triple the amount borrowed for a {$32000.00} sun room. Please assist me with getting some type of resolution and/or relief from this debt. The practices of Greentree and Ditech are unfair, unjust, unethical and predatory. As evidence of the origination amount, amount of years I have been paying on this loan and remaining balance, I am a victim of predatory lending! At conception of this loan, we were prayed upon as a young couple purchasing our first home and were deceived into predatory practices.
03/17/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TN 37604	Web
My mortgage was sold by XXXX to Ditech in XX/XX/2016. The last mortgage payment I made to XXXX was never transferred to Ditech, so as soon as my account transferred I was considered " late ''. I called and wrote Ditech to no avail. I ended up making double mortgage payments for XX/XX/XXXX in an attempt to stop them showing I was late in paying my mortgage. It has been over a year and I thouight they had finally cleared this up, but just looked at a current statement and it shows accumulating late fees. THE PAPERWORK I RECEIVED WHEN MY MORTGAGE WAS TRANSFERRED TO DITECH INDICATED THAT THEY WOULD NOT CHARGE LATE FEES FOR 60 DAYS AFTER A MORTGAGE WAS TRANSFERRED TO THEM. They have committed fraud because they did not honor this agreement. I have NEVER knowingly paid anything late in my entire life. My credit score is over XXXX. Why can they not clear up their accounts and just be honest? Why did I never receive notification that they thought I still owed them a late fee?? In this situation with Ditech, I even made a double mortgage payment ( once to XXXX, and once to Ditech, which should n't even have been owed if they knew their accounting system from a hole in the ground ) to avoid a late fee, or being caused to look like a deadbeat. It enrages me that mortgages can be bought and sold seemingly at random and the consumer has no choice whatsoever in who services their mortgage. This is the hugest financial transaction that 99 % of us will ever have. Why ca n't it be done right? XXXX, I revere you. Please help with this issue. It is n't just me, but umpteem consumers that are getting shafted by this morgage servicing XXXX. Many thanks in advance for whatever you might be allowed to do by the current " administration ''. What am I asking for? : ( 1 ) Ditech removes the bogus " late fees '' from my account ( 2 ) Ditech sends me a letter of apology and an acknowledgment that what they did was in violation of their own policies ( 3 ) Ditech is put on some kind of watch list so if they continue doing this to me or any other consumer, they face harsh penalties and/or jail time for everyone in the C-suite ( 4 ) A bill is introduced to make mortgage servicing " cramming '' a federal offense punishable by massive penalties and jail time for executives
05/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92882	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ref. : Ditech Loan # XXXX, XXXX Loan # : XXXX E-mail : XXXX XX/XX/2019 XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : I recently had an extremely upsetting and very costly experience with your organization, regarding lost by 60 points on the credit score report. As you know my loaning ( see above Ref. # ) servicing was transferred from DiTech to your company. And within the 60 day time period your company and XXXX reported me 30 days late on loan payments. I made my payment on time to Ditch before you have taken over loan servicing. And DiTech forward monies on XX/XX/XXXX ( per your CSR ) which is not my responsibility to handle. However, CSR, spoke to me that it was my fault. How rude, unprofessional and unknowledge of the requirements in place to say such statement to a customer!. I request compensation from your company, causing a negative effect on credit score and also effect on my interest rate credit cards. Prior XX/XX/2019, I made my mortgage payment as per contract in place. Once I received a report from XXXX, XXXX and XXXX my credit score has been packed with report of late payment. I immediately contact your company, and out of multiple calls made I was told do not be concerned and also letters. XXXX is not permitted to make note of a late payment, or report to credit scoring agencies. However, that is what you exactly did anyway!! Furthermore, out of all contacts I made to your company, only one CSR was professional and respectful to me. All other treated me like a deadbeat person. Where do you get off treating customer in such a poor manner. This XX/XX/XXXX, and still you have not corrected your error. Even though, you reported me late with 60 day grace period and almost immediately after XX/XX/2019. Such a swift action, but you are still not able to be as swift in correcting your error. It is amazing this how your company acts and treats a new customer. In an addition I am sending this complaint to Consumer Financial Protection Bureau for them have record and take further actions on your misdeeds. Please call me at ( XXXX ) XXXX or email that you are confirming receiving this formal complaint of misdeeds. Sincerely XXXX XXXX XXXX
04/06/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	PA 18951	Web
We had a home that we were behind on payments. We were trying to sell it and we continued to fall behind on our payments. We eventually found a buyer for our house and during this whole time we kept in touch with Ditech on the situation. We were told that we are okay to sell our home, that it is not in foreclosure and we do not need a short sale. So prior to our settlement to sell our home we were issued a payoff from Ditech ( they issued XXXX different payoffs within a week of each of them but the XXXX one we were told was correct and that we can proceed to settlement ). This payoff had tons of late fees, and charges and lawyer fees and we just decided to move forward with selling it. We went to settlement, sold the house, signed all the documents and the Deed to the property. The money was wired to Ditech to pay off the mortgage. The Title Company even cushioned the wire with several days of interest. So 7 weeks later, instead of us receiving the additional cushioned interest back to us. Ditech wires back the money to the Title Company. The Title Company ( and all mortgage professionals that i have contacted ) have never heard of something like this happening and tried to contact Ditech to find out why they sent the money back. Ditech would not talk to them so the Title Company called us to help them get information on what was going on. We spent hours on the phone to find out that Ditech had an error on the Payoff and did n't add on {$12000.00} of supposed Attorney fees. When we asked for an itemization of the Lawyer fees, they issued a new payoff with NO lawyer fees and other misc charges that they decided to charge us, plus they added a year of Homeowners Insurance that is not needed on the property that they want us to pay. This is scandolous! First, they kept the money for over 7 weeks!! The people are moved in and making Mortgage payments on their new house that they think they own it. Second, Ditech stated that the additional money that we owed was due to Attorney fees but after requesting for an itemization of those attorney fees they called the fees something else entirely. Their only claim was that Ditech 's Payoffs are not definite and they have the right to change their minds on what money is owed at any time!!!! Please help!!!
06/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44266	Web
In XXXX of 2015 I had a mortgage with XXXX XXXX XXXX XXXX, which was transitioning to Dietech Mortgage Co. as I was refinancing my home with XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX was handling the title searches and escrow accounts and disperments of funds. A few months after the closing I stared getting mortgage statements from Dietech again saying that I still owed money. I called XXXXXXXX XXXX who sent them the payoff agreement and copies of the check. Dietech has continued to try to bill me monthly and has kept my escrow account open and had been paying my taxes twice a year and billing be for the deficit in escrow while my new mortgage company, XXXX XXXX, has been paying my property taxes out of my on time monthly payments. Dietech also sent me a paid in full letter in XXXX of 2015 and closed my account and then later re-opened it under another account number and then when I did not pay them the escrow deficit, they sent my husbands name to the credit bureaus causing damage to my husbands credit and higher interest rates on our student loans for the children and car loans. Myself and XXXX XXXX have been trying to sort this out with Dietech for 3 years now. We get different customer service reps with each phone call which causes much confusion on both sides of this problem and many different excuses as to why this hasnt been settled. They also still have their name on my mortgage as they never sent out the satisfaction of mortgage that was needed. I have gotten apologies and promises to correct this error of their as we speak on the phone, and then the next week I call and they tell me it is my fault because I the escrow deficit or something else. I have paperwork from them telling me that they did an investigation and I have an escrow overage of {$5500.00} but I need to pay {$1700.00} first to get that money. The next phone call to them informed me that the money may not actually be in there as they may have paid something for me. There should be no activity on that account for three years so I dont know what they could have paid. They have both XXXX XXXX and myself chasing our tails with no clue as to how to resolve this. I would appreciate any help or guidance that you may be able to give me. I am at my wits end. Thank you so much!
01/06/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 32092	Web
Back in the beginning of 2019 ( XXXX ) notification was sent to us that Ditech was changing the payment process and there would be separate accounts for the mortgage payment and the homeowners insurance payment. We did not receive statements in XXXX or XXXX and the XXXX statement must have arrived late because I do not recall receiving it. When I checked my account online, XX/XX/2019, I saw that there was {$2000.00} in an " unapplied '' funds status. I immediately called Ditech and spoke with a representative. On XX/XX/2019 the status of the unapplied changed to {$780.00}. On XX/XX/2019 the status of the unapplied changed to {$7.00}. My monthly homeowners insurance amount was {$200.00}, I do not recall how many payments but shortly after creating a separate account for the insurance they changed again and our payments went directly to the insurance company. Even though they set up a separate account they still took money from the mortgage account for the insurance. I sent a letter dated XX/XX/2019, my first written correspondence. I was, in the past, able to see my payment history and how they continued to change it. I printed screen shots every time I looked and it changed. I am concerned because my funds still continue to sit in the " unapplied '' and they do not post my payments prior to due dates causing me to pay more in interest. The most recent on XX/XX/2019 there was {$1000.00} in unapplied, this amount does not equal the amount of my payments mailed. This amount was not posted as a payment until XX/XX/2019, 3 days after my due date XX/XX/2019. My statement generated XX/XX/2019 shows principal {$860.00}, interest {$580.00}, funds in suspense ( {$32.00} ). I am also concerned that the total amount paid to them in 2019 is incorrect, payments made to Ditech from my checking account total {$10000.00}. This amount does not included insurance once they separated accounts so XX/XX/2019 would only be {$200.00}. On the XX/XX/2019 statement their Year To Date totalpaid is {$9800.00}. Before Ditech was in bankruptcy my payments were applied as received, now they hold and forget about them. I make a payment every two weeks based on the pay period, which means I have made two additional payments in one year as bi-weekly is 26 pay periods.
02/25/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30252	Web
We received a mailer from XXXX XXXX XXXX regarding a streamline FHA refinance. After discussing with the mortgage lender, we began the process with intentions to close on the new mortgage in XX/XX/XXXX. We were told by the mortgage lender throughout the month to not make our XX/XX/XXXX payment as that would affect the payoff of our existing mortgage. As the end of the month got closer, we again asked if we should go ahead and make our XX/XX/XXXX payment and were once again told no that it would mess up the closing and payoff of our existing mortgage. We were able to close on XX/XX/XXXX with the payoff scheduled to be wired on XX/XX/XXXX. We subscribe to credit monitoring service and noticed early XX/XX/XXXX that the loan had not been paid off, was showing 30 days past due and our credit score had dropped significantly. We contacted Ditech ( our existing mortgage holder ) and were told that the payoff was posted on XX/XX/XXXX. We explained that the wire was sent on XX/XX/XXXX and the loan should have been paid off. We were informed that the wire department was gone for the day and that we would have to call back. We tried calling back several times, each time having to speak to a different person and explain our situation over again. We were put on hold and spent as much as an hour or more on the phone with still no resolution. During this time we also tried to contact our mortgage lender repeatedly. We left messages, sent emails, and got no response. Once we received a letter regarding our first payment, we were able to contact someone at XXXX as it included a specific person and their contact information. We found out the lender that we worked with on the refinance was fired and that was why were not getting responses. I explained our situation and they said they would get right on it and work with the title/closing company ( Equity Settlement Services ) to get resolution. I have since called 2-3 times a week to check on the status, but no progress has been made. This has been going on since mid-XX/XX/XXXX. We have spent countless hours calling and trying to resolve this issue with Ditech and XXXX. When I have asked for documentation of the wire that was sent for the payoff, I was told that they may not be able to give me that.
09/01/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 351XX	Web
My home burned on XXXX XXXX XXXX. I finally got the insurance check and over-nighted it to DiTech Claims Dept., XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, SD XXXX ; on XXXX XXXX XXXX. DiTech received the check and marked my loan paid off on XXXX XXXX XXXX. DiTech issued me a check for the overpayment of ( {$62000.00} ) on XXXX XXXX XXXX and I received it on XXXX XXXX XXXX. However, the check had been issued with my XXXX husbands ' name - and - mine on it, making the check worthless. I called DiTech and explained the problem with the check to them. I was advised to over-night the check back to them and given the address. I was told that it only takes 7 - 10 days to reissue a check. I sent the check back on XXXX XXXX XXXX. I received the titles to my burned double wide in the mail on approx. XXXX XXXX XXXX, since DiTech had taken the money and paid off my mortgage. I called Customer Service ( XXXX ), on XXXX XXXX XXXX, spoke with XXXX. I was told that the check was received and forwarded to Payoff on XXXX XXXX XXXX. This time I was told that the check would be reissued in 10 business days. XXXX XXXX XXXX XXXX, I called again and spoke with XXXX. I was told that the claims and payoff departments were arguing over who had to reissue the check. I was told to call back and speak to the claims dept. I did, and spoke with XXXX. After some checking, I was told again that I should have the check in 7-10 days. On XXXX XXXX XXXX, I called again and spoke with XXXX, then transferred to XXXX ( XXXX ) in claims. XXXX said that she was checking with her mgr. and would call me back with more details. * She never called back. * On XXXX XXXX XXXX, I called again and spoke with XXXX in claims and was told that they had nothing about it and to call customer service. I did and spoke with XXXX. She got an attitude with me and said that there was no check. I have been drug around for two months. DiTech has had a copy of my XXXX husbands ' XXXX certificate since he XXXX four years ago. Our titles said - or - NOT - and-. All they had to do was reissue the check with his name then - or- my name. My granddaughter and I have been drug around enough.This has caused me an enormous amount of stress. This company is intentionally dragging this out. PLEASE Help.
01/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CO 80222	Web
My then-wife ( now ex-wife ) XXXX and I had a first and second mortgage on a house we owned in XXXX XXXX, Colorado, several years ago. We purchased it in XXXX for approximately {$420000.00}. XXXX subsequently and irretrievably lost her job as a XXXX XXXX due to XXXX XXXX XXXX XXXX XXXX and we were unable to afford both mortgages. We applied for mortgage relief, including a negotiation for a short-sale on the second mortgage. The first mortgage company was going to be fully repaid regardless of the outcome, as the first mortgage balance ( {$310000.00} ) was well below the market value of the property at the time of resale ( {$370000.00} ). The second mortgage holder was unwilling to budge, despite the fact we received two real estate contracts to sell the property for significantly above the balance of the first mortgage ( contract amounts of {$370000.00} ), yet below the then-existing market value, which was at the depths of the mortgage valuation crisis in the U.S. We negotiated in good faith for over a year, which included paying the full monthly second-mortgage payment during the entire negotiation period, which they vaguely promised would result in a positive outcome. Yet, we had zero success in reaching an agreement with our second mortgage holder. The first mortgage holder, having no incentive to delay foreclosure, foreclosed, which under Colorado law, caused all junior liens to drop off as a matter of law, as though they had never existed. We then filed for chapter XXXX bankruptcy to discharge the then-existing unsecured debt, which was discharged in XXXX, including the prior second mortgage. The second mortgage company, whose lien was removed as a matter of law at the public trustee 's sale in XXXX, and whose loan obligation was discharged at bankruptcy in XXXX, has now refused to deleted the {$170000.00} lien amount from my personal credit report. This has resulted in my inability to qualify for an otherwise attainable FHA loan. I am requesting relief of the inaccurate credit report which shows a {$170000.00} balance to Ditech. The loan balance was discharged through bankruptcy, and the lien was removed as a matter of law. And we have no longer owned the subject property since the public trustee 's sale in XXXX.
05/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98036	Web
I had a loan modification done in XX/XX/XXXX. The principle amount as of XX/XX/XXXX was {$350000.00}. Several months into this loan, they transferred it to a new company. This company has changed names, but it's been the same one since early XX/XX/XXXX. In XX/XX/XXXX, I received my mortgage statement stating that I owed {$77000.00} for the next payment. I called and asked what that was about. They informed me that it was an error on their side and that they would be taking care of it. I then received several more statements over the next few months with several different amounts " due immediately. '' I kept making my payments as usual and also called several times during this to ensure I wasn't missing anything. They insisted it was their mistake and they were fixing it. I finally received a statement in XX/XX/XXXX that looked like it was back to my normal payment. However, the principle amount had gone all the way up to {$350000.00}. This is more than what it was 3 years prior when the loan was modified. Since then, I have repeatedly tried to contact them ( both in writing and via phone ). Sometimes it takes several attempts to contact them before I receive a notice saying they are investigating. Each time they have been " investigating '', they have come back later and either said they have resolved the issue ( without telling me what it was ), or that they can not continue because I didn't supply the supporting documents that they had requested and so have closed the dispute. In EVERY case of the latter, I never received any kind of communication or request from them. I have seen on the payment history, downloaded from their site, where they have taken the money out of my account starting in XX/XX/XXXX for " reallocation, '' however, there is no record or explanation of where and/or why it was reallocated. I am currently selling my home and today, XX/XX/XXXX, almost 4 years after the modification, my payoff statement is a dollar figure that almost exactly the principle amount from the origination of the loan. XX/XX/XXXX Payoff statement : {$350000.00} XX/XX/XXXX New loan amount : {$350000.00} I have never missed a payment. I have copies of my bank statements that show every single payment since my modification.
12/11/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 73112	Web
In XXXX, I contacted ditech regarding my home mortgage loan, on advice of my bankruptcy attorney. I spoke with customer service at length, explaining my desire to pay three monthly payments in advance, for the months of XXXX, XXXX, and XXXX, and to not have payments all consolidated toward principal on my loan. In addition, I instructed the customer service agent that ditech was no longer allowed to auto-draft payments from my account. The agent confirmed this to me twice, then processed three payments for the monthly amount of the loan - {$1000.00}. In XXXX, after I filed bankruptcy, I learned that ditech auto-drafted {$970.00} from my personal bank account, putting me in a hardship during the holidays. I immediately contacted ditech. I spent nearly three hours on hold and was eventually told, after repeatedly raising my voice at the agent in order to get the matter handled, that the auto-draft was improper and the money would be returned. The agent obtained a checking account and routing number and told me the money would be returned. The agent 's name was XXXX. That call took place approximately XX/XX/XXXX. In early XXXX, I again called ditech because the money had not been returned to my account. After holding for nearly 40 minutes, as I recall, a customer service agent came on the phone, said they were aware of the need to repay the {$970.00}, and that the repayment is approved, but is awaiting a supervisor 's signature. That phone call took place approximately XX/XX/XXXX. Today, XX/XX/XXXX, the money has still not been returned. I have called ditech on two different phone lines. At this moment, I have been on hold on one line for 1 hour and 40 minutes and for 1 hour and 7 minutes on the other. I have requested the legal department, or customer service to help. In addition, I learned today that ditech has transferred my loan to another lender. Regardless, ditech has had ample time to resolve this. I believe this practice is systematic and designed to not be accountable to customers, and to benefit from errors by ditech. As I am completing this complaint, the 1 hour, 40 minute call has now rolled over to a survey, and the call hung up. I would like action to be taken against ditech, and I want my money returned.
11/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32835	Web
I own a house in XXXX that is my primary residence. In the fall of XXXX, my mortgage servicer at the time ( DiTech ) called me unsolicited and offered me a 6 month forbearance on my mortgage payments due to a hurricane that had just come though. They said that they were offering this deal to ALL Florida customers. I specifically verified that this would have no adverse effect on my credit report. I also specifically verified that at the end of the 6 months DiTech would recalculate things to put the 6 payments on the end of the loan. I can only assume that DiTech recorded that phone call. DiTech sent me a Forbearance Agreement to sign. Before I signed it, I called them back about the verbiage that says All payments postponed during the Payment Break Period must be repaid. They said that all payments would need to be repaid but that they would be repaid at the end of the loan. Although I found the verbiage somewhat ambiguous, I trusted that what they were telling me would be accurate. Fast forward 6 months to XX/XX/XXXX when I called DiTech to see what my new payment would be with 6 months of interest added to my principal balance. They told me that I would have to apply for a loan modification. I told them that this was NOT what they had described to me 6 months prior. They told me something to the effect of yeah, we screwed up when we told you that, but dont worry about it and just apply for the loan modification. Even though I am paraphrasing, I am 95 % sure that they used the EXACT phrase we screwed up. I again confirmed that this would have no ill effect on my credit, and they concurred. I can only assume that DiTech recorded this call as well. Fast forward to a few weeks ago, and I ran my credit just to make sure there was no fraudulent activity of any type, and I see that DiTech was reporting me 4 months late on my mortgage payments in XXXX XXXX once my forbearance period ended. This is making my credit score significantly lower than what it would otherwise be, and has caused me to financial harm. DiTech has since transferred the servicing of my loan to XXXX who then later transferred it to XXXX XXXX / XXXX. I called DiTech and my phone conversation was unnecessarily adversarial on their part and went nowhere.
06/30/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MN 55421	Web
I am beyond furious with Ditech. I called my insurance agency per your information to inform them that my homeowners insurance would be escrowed going forward. My insurance company informed me that my policy needs to be paid in full ( {$550.00} ) by XXXX/XXXX/16 or they will cancel my coverage. When I called in to speak with my account rep I was put to voicemail both times. I called in and went to customer service XXXX/XXXX/16 and was informed that everything was set up and both insurance and taxes were escrowed. I called yesterday XX/XX/XXXX to verify this when I did not hear anything from either my agent or Ditech and was told by a customer service rep at Ditech that my insurance was NOT escrowed and I would need to upload or fax in the HOI bill to you for payment. I called back today to verify that the HOI bill/dec page was received and XXXX told me that no, my insurance was not set up to be escrowed. She told me that there was nothing Ditech could do regarding the pending cancellation. She implied that I had not kept up with payments on my insurance and none of this was the responsibility of Ditech. I asked to speak with a supervisor and she said she would 'transfer me to the Insurance Department where someone would tell me exactly what I just told you. '' When she came back on the line after a 5 minute hold she told me that the insurance department said they would not make payment to my insurance company and it was my responsibility. I asked for a supervisor and she said she did not have a supervisor available. I asked to hold and she said she could not put me on hold for a supervisor as she had no supervisor available. I told her that was " XXXX '' and she said she would have to disconnect the call for my using profanity. Correct me if I 'm wrong, but the Customer Service department does have supervisors, right? They do answer escalated customer calls, right? And pending insurance cancellation is a serious issue for a customer, correct? I work in the mortgage industry and I have made EVERY attempt to resolve this in a professional manner. I am forwarding this message to anyone higher up at Ditech that I can reach and to the CFPB as well as my insurance agent. Please respond to me BY PHONE at XXXX within 24 hours.
12/22/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	RI 029XX	Web	Older American
I refinanced with Ditech to make my mortgage affordable. My payment was reduced to about {$1100.00} a month on or about XX/XX/XXXX. Shortly after I was notified that I had an Escrow surplus due to insurance or taxes in the amount of {$1200.00} or so and subsequently a check was mailed to me. To be sure I would not have to repay at a later date due to a mistake on the part of Ditech, I called and was 100 % assured that there was no mistake and that I would not have to be concerned with repayment at a later date due to any mistakes, etc. In XX/XX/XXXX, without a notice, my escrow and subsequently my mortgage payment increased to {$1200.00}, about {$120.00} a month increase. I tried to rectify this with Ditech, citing it as a bank error. Ditech 's reply was that they are bound by law to send an escrow surplus to the borrower and that I just have to pay it back over a 12 month period. 1. I was not notified of the increase. Auto draft just appeared in my bank account. 2. I have paid the amount of {$1200.00} in protest and have discussed it with Ditech. 3. Ditech will not absorb the amount in light of this situation My question is can a mortgage company do this? Because it is a hardship to pay {$120.00} additional/month I have requested that the amount, after paying 2 months thus far in the amount of {$1200.00}, that the remaining amount be stretched out into 36 payments to make it affordable. That has not been decided yet, but will be in 3 to 5 business days from now, XX/XX/XXXX. I am asking for this payment arrangement, but I still want to know if I have a legal leg to stand on. At the very least Ditech should be bound to explaining this when handing out a surplus check so that the borrower has the option to put the check aside while waiting to see if it actually a surplus. And second, at the very least Ditech should have the common decentcy to notify a borrower when they are increasing a mortgage payment {$120.00} a month. They did not. If the lending laws are on the side of Ditech, it is a shame. I did everything in good faith, including calling them to make sure the escrow surplus check was mine to keep, and was assured it was. I consider this a bank error. But I am not familiar with such laws governing this situation.
11/01/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	RI 028XX	Web
In early summer 2018 I learned of a foreclosure on my home at XXXX XXXX XXXX XXXX XXXX RI XXXX I contacted both the loan servicer ( Ditech ) and the foreclosing attorney ( XXXX XXXX XXXX ), and was told that it was too late to reinstate the loan, and the auction would proceed as scheduled. On XX/XX/2018, the auction was held. The winning bidder was a friend that bid on my behalf, and he placed a {$5000.00} deposit with the auctioneer. We attempted to make final payment, complete the auction, and schedule the closing in the weeks following, however on XX/XX/2018, we received a notification from XXXX XXXX XXXX of the following : Hello, I am sorry to inform you but It appears that in light of the new opinion issued by the XXXX XXXX, the sale held on XX/XX/18 for this loan, will need to be rescinded. Since Rhode Island General Laws Sec. 34-27-3.1 was previously repealed, no compliant notice was sent prior to foreclosure. We have advised our client of the same and are awaiting instructions regarding return of your deposit. Following receipt of this notice, contrary to what XXXX XXXX XXXX told me earlier, we learned we were in fact able to have the loan reinstated. We completed that, however we had to pay a number of fees totaling {$3600.00} related to the rescinded auction which was improperly handled by XXXX XXXX XXXX, the foreclosure trustee. We would like the auction fees totaling {$3600.00} removed from the mortgage balance, since the auction was invalid solely through the fault of the foreclosure trustee, not the property owner or the auction winner. Following mortgage reinstatement, we attempted to pay off the mortgage per the attached payoff statement from Ditech. A check for {$36000.00} was sent XX/XX/2018 and funds were withdrawn from the issuing account prior to XX/XX/2018, which was before the XX/XX/XXXX deadline mentioned on the payoff notice. To date, these funds have still not been credited to the mortgage account, and during phone calls today Ditech representatives indicated that the check had been returned. This is not correct, a cancelled check copy is attached, and clearly indicates the funds were deposited to Ditech, the check payee. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, RI XXXX
11/01/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	AZ 864XX	Web
In XX/XX/XXXX my loan was closed. The loan was closed for less than the full amount ( bank approved short sale ). Several months ago I applied for a construction loan to build a new home. The bank I was working with ran my credit and discovered incorrect information that was reported by the mortgage company of the closed account. The company reported the loan as a foreclosure or repossession in the max delinquency area of the credit report ( reported incorrectly to all XXXX credit agencies ). As a result of this mistake the bank I was working with would not further process my construction loan. On XXXX/XXXX/XXXX I faxed the mortgage company ( Ditech ) a letter stating the above information, and requested that they fix the information. A few days later I received a letter from them saying that they received my fax and that I would hear a response from them within thirty days. I never received a written response as to a resolution. On XXXX/XXXX/XXXX, I called Ditech and spoke to a representative and they told me they had until XXXX/XXXX/XXXX to correct the issue. On XXXX/XXXX/XXXX, I called Ditech again and spoke to XXXX different representatives. One said I should expect to wait another month for a resolution, and the other said I should have something back within three to four days. I never heard anything from Ditech. On XXXX/XXXX/XXXX, I received an almost identical letter saying they were still investigating the matter. On XXXX/XXXX/XXXX, I called Ditech again and asked to speak with a supervisor. I spoke with XXXX ( ext. XXXX ) she said she would reach out to the department who handles this type of matter and call me back. I have never heard anything back from Ditech. My bank has since provided me with an exception and approved my construction loan, but said I needed to fix my credit report before I would be able to refinance my construction loan into a conventional loan at the conclusion of construction. Ditech has been absolutely unreasonable in fixing this issue. They are in violation of the fair correct reporting act which specifically says they have thirty days to correct their mistake. They have not. Please assist me in fixing the incorrect information on my credit report that was incorrectly reported by Ditech.
09/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 548XX	Web
This has been an ongoing problem with Greentree Financial who took over our loan from XXXX XXXX XXXX. It started with a payment they said was not received XX/XX/XXXX. We were besieged with harassing calls, up to 10 a day from them about our late payment and they were asking for our bank information etc. It was different people every time & kept us on the phone and got increasingly aggressive in their manner. We stopped taking any calls through XX/XX/XXXX because of their harassment. We stopped payment on the check presuming it was lost etc, but refused to give these people any info, or go online with our banking information as it seemed very strange behavior. We received a letter saying THEY had received the check on time, however they never refunded us the over charge! Since that time I have been sending all payments with a flat rate envelope costing {$6.00} per month which has tracking on it. This prior month they AGAIN charged us with a late fee saying the check was not received though USPS says it was delivered 5 days ahead of schedule to their PO Box . This is a continual pattern, obviously with these lenders. I have verifying paper trail proving these above allegations. I did notify them with this complaint & all we got was a letter back saying " they were n't responsible for mail delivery. '' All I wanted was your address to send you our documentation, but this was a concerted effort to steal our personal information to do an identity theft since they never said their calls were " recorded '' etc and they acknowledge, in writing they had our payment. No other explanation seems reasonable. But their ongoing attempt to access late payments that were not late shows a blatant attempt at on going extortion. These payments put unwarranted money into their bottom line. It is not enough to pay your debts on time anymore even with proof of delivery, costing more money for the consumer. We never contracted with these lenders-why is it we have to be wasting out time, energy and money having to put up with them continually stealing our resources?? Why our these loans ALLOWED to be sold to these liars, cheats and thief 's? I reiterate ; I have a paper trail proving my allegations and my letter to them and their response.
03/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19082	Web
XXXX, PaXXXX Tel:XXXX Email : XXXX XX/XX/XXXX Dear sir madam : My final complaint : The mortgage " document is a fraud because the signature on the document the bank is claiming to be XXXX signature is not that of my Ex-wife, XXXX . Thus, I 'M kindly asking that the CFPB use the services of your good office to probe this concern. For now, I 'm awaiting the bank proving to the court that my Ex-wife lied under oath to the court. The signing is hers '. At this juncture, many thanks for the CFPB support to people like myself and those are and have been struggling to remedy financial predatory difficulty against the most powerful e like the entity like the banks and subsidiaries. This missive is to acknowledged receipt of the " Company respond, Ditech Financial LLC to the Consumer Financial Protection Bureau ( " CFPB '' ) Case No. XXXX Ditech Financial LLC Account No. XXXX In the last paragraph of their letter, the company wrote : " At this time, the account is currently past due and owing for the XX/XX/XXXX payment and all subsequent payments. If you have any remaining questions regarding any potential loss mitigation option ( s ) or as to the loan account, please contact Ditech at XXXX. '' In hindsight, my concluding complaint thus : The signature on the " Note '' is " fraudulent and predatory ''. In XX/XX/XXXX when XXXX did not provide me " QWR '' that I requested, XXXX counsels reported to the court that " The bank could not provide the Note because the bank was transitioning to an electronic filing system. '' In addition, my ex-wife ( XXXX ) testified in court on XX/XX/XXXX. Under oath she explicated that " The signature on the note is not my signature, I never authorized anyone to sign for on any document/s. '' XXXX added. She concluded with this statement, " Your honor, if my signature is on any mortgage note or bank note is not my signature, '' XXXX reported. In sum, I 'm await the " QWR '' I have requested from Ditech to audited. For the note that Ditech and partners have been taking through " XXXX '' for is a federal crime. It is fraudulent and predatory. I need the bank to provide me an authentic verified copy of the bank Note bearing my Ex-wife. In the cause of the struggle, XXXX, Account No. XXXX
03/06/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	WA 983XX	Web
CFPB, this is the third time I am having to submit this complaint against Ditech/Green Tree. My second attempt to file a complaint against this unethical mortgage/collection company, was verbally taken by one of your CFPB representatives. I made it specifically clear to him in XXXX of XXXX, that my second complaint was to clearly dispute Ditech/Green Tree 's unacceptable reply to my original complaint filed through you, CFPB, in XXXX of XXXX. The corrupt unethical business practices that Ditech/Green Tree conducted against me, as well as thousands of homeowners, has been well documented for years - subsequently with a class action lawsuit against them that was settled. I am definitely involved with the abusive, unethical business practices that they conducted against us, the homeowners. I began having issues with Ditech/Green Tree around XXXX when they purposely stopped taking my payments ( claiming never to receive them ), illegally added late fines, stopped taking my phone calls when I repeatedly filed for a home modification, repeatedly endured unethical unprofessional-ism by most of their representatives with XXXX XXXX making a completely insensitive comment regarding my XXXX father, repeated lies of not receiving my paperwork, etc. etc. All of this ... all of their unethical business practices caused me great personal damage! Aside from demanding all of the late fines they implemented to my loan, I want compensation for all of their abuse! I am owed financial compensation! Their reply to my first submitted complaint was a generic reply ; stating that they had worked with me in trying to give me a modification. Lies! They purposely conducted their unethical business practices, THAT FORCED ME TO FIGHT FOR MY HOME. They subsequently sold my loan to another mortgage/collection company - XXXX XXXX XXXX XXXX XXXX to get out from under my complaints against them! I want and am legally owed significant compensation for their blatant unethical business practices conducted against me - as well as all of the personal injury ( financial, health, personal issues ) factors that I had to endure. RETURN MY MONEY YOU ILLEGALLY ADDED TO MY LOAN BECAUSE YOU PRACTICED UNETHICAL BUSINESS PRACTICES! XXXX XXXX
11/19/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CO 80204	Web
Our mortgage was sold to Green Tree XX/XX/XXXX, which recently merged/rebranded with ditech. On XX/XX/XXXX I received a phone call from a gentleman at ditech informing me that I owe {$27.00}. I asked how and why as I have made the same payment for months now. He indicated that the escrow account had been recalculated and increased. I asked him to send a copy of the escrow statement, as I do n't have any notification of a recalculation, and once received I would pay it. I have one letter indicating that the mortgage rate would increase and that there was a new amount, which I have been paying on time each month since. After that letter was received, it seems the escrow account was recalculated, but I never received any notification of such or what the new payment should be, thus a {$27.00} differential. When we initially set up our account online with Green Tree, I elected to be a paperless account. They then proceeded to send mail to my address, which was returned by the Post Office. This triggered them to deactivate our online account, meaning they will not upload monthly statements or any documents to our online account any longer. I called back to the Customer Support line on XX/XX/XXXX to request all past statements from XX/XX/XXXX to current. I was told they can not send copies of monthly statements because they do n't have them. They went on to say if they were mailed and the mail was returned there is nothing to post to the online account, thus they have nothing on file. Of course, I elected to be a paperless account so nothing should be mailed to me. XX/XX/XXXX, I was informed that monthly statements are a courtesy only and that they are not required to produce them. It is interesting that I receive weekly refinance solicitations from ditech, however no monthly statements can be produced and posted to our online account. I have to wonder if once you elect to be a paperless account, they purposefully mail you advertisements and if they are returned they cease communications of all monthly statements/escrow reports which can put a homeowner in jeopardy financially. This lacks a great deal of transparency. *Mailing address was changed XX/XX/XXXX and should not be the same as property address.
06/28/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85212	Web	Servicemember
XXXX I was notified by the City of XXXX that my XXXX tax bill was incorrect due to an error- an incorrect calculation resulting in an overage charge of XXXX dollars. The calculation was XXXX which was actually only to be XXXX and that the corrected information was sent to my mortgage company as well as a refund would be sent by the city of XXXX. I have never seen the refund reflected in my escrow account, nor did I ever receive an overage check of XXXX or XXXX from Ditech. XXXX after noticing my automatic mortgage payment increased by over 200 dollars once again due to an incorrect escrow analysis. I finally took the time to investigate why my escrow is so off. I noticed that on the XX/XX/XXXX escrow analysis that the total taxes they calculated was once again XXXX more than what was actual paid to the XXXX County Treasury. After confirming with XXXX County that my tax bill is XXXX, and that Ditech is charging my escrow XXXX. I called and spoke to XXXX XXXX, who assured me she would open a dispute and have my escrow analyzed and investigated and she would call me back with 48-72 hours. I faxed Ditech 12 pages of tax statements indicating the overage, as well as the letter form the city of XXXX. I did not receive a call back with in the time that was promised. I have tried contacting them at least 3 other times since with not resolution. The Ditech Tax department does indeed state that it should only be XXXX, but nothing is being done about the overage payments credited to my account. I contacted my Loan officer, the city of XXXX, and XXXX County to verify that all my accounting information was correct. The recommend me filing a complaint to XXXX. It appears that my escrow is off by more than just XXXX dollars, and that a refund of XXXX was never applied to my account and I have been over assessed by at least XXXX form XXXX and now into XXXX. I am not getting any help from Ditech. Conveniently, after filing a complaint I am told my loan is not been sold to XXXX beginning XX/XX/XXXX. I have left a message with a Ditech supervisor, XXXX XXXX at ext XXXX who is supposed to be calling me back on Monday. However, with Ditech 's history I am doubtful he will return my call. Please Help! Thank you!
09/13/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 331XX	Web	Older American
It took me a long time and a lot of effort to get a loan modification from XXXX, they made it very difficult and denied my applications many times, one time because they said I had enough money and another time because I had not enough. Finally, in XXXX of 2013 I received a congratulations letter ( I have a copy of that letter ) stating that I finally was approved after the three-month test period of paying the modified amount each month. ( I have copies of all the checks I paid at the trial period ) At this time I received a document to sign and notarize but I had some questions regarding flood insurance, XXXX was not answering my calls and if they answered they did n't know anything to guide me on how to proceed and finalize the loan. I sent them a letter begging for help and they answered that Green Tree was now handling my modification and they had all the information and will honor my case. ( I also have that letter ) I called Green Tree and they told me that they were very busy with the new situation and I should call them back some other time. I keep calling them every day and got very vague answers to my questions. ( one time they told me to call back in tree months, I swear it is true ) Later on, they told me that I had to pay the regular monthly payment I paid before the modification, I argued and then said that I could pay the amount of the modification but I could not trust them because never gave me any contract or paper to sign, they just did n't care, everything was very unprofessional and I could not trust them at all. I gave up, I was exhausted and frustrated my health was deteriorating and I had to be treated for XXXX XXXX XXXX. I never heard from them for a while, then a year later they started sending me bills that I owed as if I never had any modification plus interest late fees and everything, the amounts were way too high and I could not afford to do anything and it was no way to talk to them because they have unqualified people answering the phone that are only trained to put pressure on you. Now I 'm in foreclosure and the day of the hearing is the XXXX of XXXX. Is anything I can do? I have a lawyer that sais I have no case and the best thing to do is accept the debt.
01/13/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 63118	Web
I filed the below complaint with the CFPB on XX/XX/XXXX. My mortgage servicer, Ditech Financial LLC, responded that I will need to reaffirm my debt following discharge of a CHAPTER XXXX bankruptcy in order to rectify my credit report, which does not show any mortgage nor payments to the same, and to reinstate detailed monthly statements versus informational ones. Unfortunately Ditech 's response seems to have been given without reading my complaint - I can think of no other explanation for why it was so totally off base. The key point, which was somehow completely missed by the responder, is this : I FILED CHAPTER XXXX BANKRUPTCY, NOT CHAPTER XXXX. This and all other needed details are provided below in the original complaint, which I am hopeful will be rectified this time : I filed for Chapter XXXX bankruptcy approximately XXXX and the bankruptcy was successfully discharged XX/XX/XXXX. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than one year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. As of today, my request has been elevated to Ditech FOUR TIMES ( over the period of a few months ) and they have yet to respond and recode my account. I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.
04/04/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 28326	Web	Servicemember
I had a mortgage with XXXX when I bought my house in XXXX in XXXX my husband went XXXX XXXX XXXX a couple years later the loan was sold to XXXX XXXX XXXX in XXXX we got orders to XXXX to XXXX at that time I had called XXXX to start a deed in lieu we had to leave in XXXX from XXXX to XXXX we lived in XXXX I called XXXX everyday to try and get this deed in lieu done it always came back that they never got the fax or it was lost this went on until XXXX when we went to see a lawyer he called XXXX then things started to get going they got right back to us that day we had to pay off a sewer lien we got that done XXXX put a lock box on the house they had an appraisal done then I get a call the loan is sold to Green Tree Servicing I called them as soon as the loan was transferred to them I was told by XXXX that the deed in lieu papers would be sent to green tree that was not true I had to r refax the paper work again I did that then I was told by green tree they did not get it I refaxed it again now green tree will not even work with us because XXXX has a lock box on the house so green tree can not get into the house they said they can not do a deed in lieu I called XXXX to find out how to tell the people at green tree how to get into the XXXX as it stands right now XXXX or Green tree will not help us. We have not been in the house since XXXX we can not get any help from either company and just to add one more thing green tree said the house should have been listed for sale in order to do a deed in lieu when I asked them why they said that I was told that is how XXXX works the deed in lieu process I told green tree that XXXX is the one I was working the deed in lieu with so how could it be different rules they had no answer. we are a military family that had orders to XXXX in XXXX we bought the house in XXXX before my husband went back in the military as XXXX XXXX in XXXX. We need help I ca n't get a straight answer from XXXX or green tree I do have all paper work that was sent to XXXX and green tree I have all names of the people from XXXX and green tree that we have worked with we are now living in XXXX we moved her in XXXX XXXX we will never be able to go back to XXXX because of the military.
08/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 63114	Web
My home loan is now being serviced by Ditech, Original Loan XXXX then Greentree I believe XXXX thru today 2016. In the Months of XXXX Thru XXXX of this year I have been seen discrupitancies having difficulty in speaking with a humane that 's does n't seem threatening. I am on a BI-Monthly payment which is every other Friday deducted out of my bank account. I started to notice in XXXX Late charges being applied to my account, when I called they said it was a computer err and would ask that the fee be removed, Again the following month another Past due charge was applied ... I called again ... " They will request this be waived '', Computer err my account is in good standing ... Then come XXXX ... I get a NON so Nice man Beating on my door, handing me a notice to Call Ditech.. I call no nothing 's wrong account is in good standing ... then I receive a letter notifying me that there has been a collection agent assigned to my account XXXX at XXXX ... PLEASE CALL " This communication is from a Debt collector. I call .... NO your account is in Good Standing ... THEN on XXXX I receive a Notice : This letter is to inform you about a Loss Mitigation : Temporarily Forbearance Agreement, which gives you time to pay your monthly obligation, If I are unable to make my payments, my best option to find AFFORADABLE Housing or oss Mitigation .... Additional ... Seek housing XXXX Assistance. Again sent from This communications is from a Debt collector Ditech Every time I call Ditech, I have to start from the beginning to be transferred to a supervisor only to be disconnected ... After XXXX Calls or MORE. That last person I spoke with was XXXX a supervisor who said I DON '' T want to hear again that you 're a Commercial lender and do n't need to know that you know what a Forbearance agreement is, when I asked that this letter of collection be retracted he clearly declined saying that last letter was only a sales tool and did NOT need to be retracted. As of my XXXX statement Thru my XXXX Statement and XXXX payments later I can only see approx XXXX Applied to my principal balance. I have asked serval times for the statement reflecting their accounting and how 's it has been applied with NO success to date
05/23/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 21227	Web	Older American
XXXX was processing a loan modification for us, and the process took several months. We were informed they had stopped the process in order to sell the loan, then sent correspondence stating they were not going to sell the loan, so the modification process was started over. I had to inform them ( XX/XX/XXXX ) that my husband was hospitalized and I was diagnosed with XXXX. All of a sudden we were notified that the loan was sold to Green Tree. Green Tree immediately started another modification which did not go through ( apparently because XXXX had recently ended one ) and they entered us into a repayment plan, to begin on XXXX XXXX, XXXX. Then Ditech and Green Tree merged apparently ... ( Green Tree was involved in major fraud lawsuits ). We completed the repayment plan as outlined in writing XX/XX/XXXX, under Ditech. We paid {$17000.00} to DITECH ( when supposedly we only owed {$13000.00} ) We did not receive a bill in XXXX so we called to find out what was going on, since we had completed all of the balloon payments in the plan. At this time we were informed Ditech was foreclosing on the house without any explanation. They started another loan modification XXXX XXXX, XXXX, and we received a letter Saturday, XXXX XXXX, XXXX stating again that they are foreclosing without any negotiation etc, and the letter is dated XXXX XXXX, XXXX ( but postmarked XXXX XXXX ). It is all over the internet that these companies inlcluding XXXX, Green Tree and Ditech are committing mortgage fraud and have been sued. Many people do no have the financial resources to fight XXXX XXXX, who owned Green Tree and owns Ditech. We are struggling to get a lawyer at this time and would appreciate your intervention, or any help you can provide. You can find a sampling of very simmilar cases listed here on XXXX : XXXX We definitely believe we are victims of Mortgage Fraud, and that they are simply foreclosing on our property instead of negotiating to collect the " insurance '' they have through XXXX XXXX . We also have no idea when we supposedly got a " XXXX XXXX '' loan, we were not aware we had anything other than a normal mortgage until all this happened. We have ALL THE PAPERWORK, CORRESPONDENCE AND BANK STATEMENTS
12/07/2017	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	MI 49024	Web	Older American
I received a letter/statement dated XX/XX/XXXX from a company called Ditech. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them on XX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( XXXX ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from Ditech. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that Ditech or XXXX had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 XXXX statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to XXXX, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by XXXX on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the XXXX statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to the XX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why Ditech says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.
01/31/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 77088	Web
I have been mailing my mortgage payment to Ditech for three months and each time the payment is mailed back to me with no explanation. Upon calling Ditech, I am being told I did not include the late fee and per FHA if all fees not included the payment can not be processed and must be returned to the homeowner. I then include the indicated late fee with the original mailed payment and mail back to Ditech only for the payment to be mailed back to me with a new late payment fee that was n't mentioned before. This has occurred three times resulting in my mortgage now being late for several months. I feel Ditech is purposely causing my mortgage to fall behind in an effort to foreclose on my home. My loan was recently sold to Ditech from Greentree Mortgage and since being with them I have had nothing but problems. My loan was modified with Greentree about two years ago. I can not believe I am having this much trouble mailing in my money for my mortgage payment. I have never heard of this so-called FHA new rule Ditech is speaking of and nor have I ever had my payments returned for late fees. The XXXX payment in the amount {$600.00} was returned to me XXXX/XXXX/17 and per the representative, XXXX, Ditech wanted two months payments and that was the reason for the return. In XXXX I mailed {$1200.00}, which was returned to me. I phoned Ditech and spoke with XXXX, she indicated the late fee was not included and that was the reason the payment was returned. I included the late fee and mailed back to Ditech in XXXX. In XXXX, the payment was returned again to me. I contacted Ditech, spoke with XXXX XXXX on XXXX XXXX, 2017, she indicated the payment was returned because I mailed {$1200.00} and the payment is now {$1300.00} I am not sure what or where the fees are coming from. With the returned check there is no correspondence explaining the reason the check is returned. I have to call and find out each time what is going on with my mortgage. This is ridiculous. Ditech is holding the payment for a month and then returning the payment for non-payment, when in fact I am mailing the payment and they are sending it back to me. I do not want to lose my house because of a corrupt mortgage company or system.
08/04/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30281	Web
Unfortunately this issue has been occurring annually since they first started servicing the loan. I have had issues originally about them mis-apply my mortgage payments, after months of communications, things were straightened out. A month before my first payment was due, I set up bi-weekly ACH mortgage payments through my credit union. The first year, there was a shortage with my escrow account, so I elected to pay the shortage and my payment still increased. In XXXX I refinanced my loan and my original payment was XXXX. My escrow payment was originally XXXX. In XX/XX/XXXX, I paid a shortage payment of XXXX, and my payment still increased to XXXX. An increase of XXXX/month, even though I paid the shortage. In XX/XX/XXXX, I paid the shortage of XXXX, and my payment still went up to XXXX, an increase of XXXX. As you can see everything is doubled, escrow shortage and the amount of monthly increase. When I spoke to the Agent yesterday, he stated that the XXXX payment went to unapplied funds and not to my escrow account, despite the fact that I mailed in the escrow payment with the payment coupon to the address stated on the coupon. In XX/XX/XXXX, I paid the escrow shortage amount of XXXX, and my payment incteased to XXXX, a monthly increase of XXXX/month. Once again, my monthly increase almost doubled, even though I paid the shortage amount. This year my shortage amount is XXXX, and my payment will go up to XXXX. Will this madness ever end? Clearly there is a problem. Who can continue to keep their home at the rate of these increases. This is all due to escrow. What happened to my misapplied escrow payment? Why did n't anyone ever tell me? Could that be the reason for the significant increase? What recourse do I have as the consumer who has always paid their mortgage on time? I realize my property taxes have increased because my property value has increased. But that 's why I pay yeh shortage amount. So why does my escrow payment have to consistently increase. I requested an escrow cancellation, and they denied it. The denial stated my loan needs to be less than 80 % of the original loan amount. Even the denial letter has a XX/XX/XXXX denial date, and he request was made in XX/XX/XXXX.
10/16/2017	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	CO 80221	Web
We recently tried to refinance with XXXX XXXX XXXX on our home loan and was denied due to the current mortgage company. Ditech is our current mortgage company and was not the original company since we filed bankruptcy XXXX which did not include our primary mortgage. ( XXXX XXXX sold to GreenTree and then they merged to Ditech ). We 've never been behind on payments and yet Ditech has reported to the XXXX that we 've been behind from XXXX XXXX to XXXX XXXX however we never received notification of escrow increase until XX/XX/XXXX that from documentation we received however they are reporting they did send us escrow notification back in XX/XX/XXXX which we did not receive. Since this all came to light we made payment to bring the escrow current and now just received another escrow stating we are still short by XXXX dollars XXXX cents which after making the payment online and calling XXXX in their bankruptcy department found out that I was not able to make this payment online or over the phone was supposed to send w/coupon and there is no coupon on the paperwork that we received. Per XXXX she will have that money credit to our escrow account with Ditech. Now they are even decreasing our monthly payment per this document from XXXX to XXXX as of XX/XX/XXXX. Also we 've been discharged from our chapter XXXX bankruptcy sinceXX/XX/XXXXyet they still have our mortgage under bankruptcy department so that we do not get monthly statements we have not gotten updates without struggling to get this information and the people that I 've had to deal with are very rude and unfriendly and I understand for a majority of people they deal with our losing their homes but I have not ever been in this position nor was there any intent on losing our home. Ditech is preventing us with these modification from refinancing and moving our loan away from them. I 've been told by other mortgage brokers Ditech is GreenTree and they are notorious for doing this and foreclosing on people. I need help getting my loan away from Ditech and/or keeping them on track of correcting these errors and collecting extra money my insurance and taxes have not increased that much over the twenty plus years I 've lived in my home.
06/16/2015	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	TX 78749	Web	Older American
Complaint Against Green Tree Servicing LLCSee Case # XXXXCOMPAINT HISTORY : My Credit Application was declined XXXX/XXXX/2013, by Green Tree for a XXXX ( New Owner ). ( Still within the 2-year statute of limitations ). Green Tree Adverse Decision Letter to me did not provide specific reasons for the decline, as required by law. Their Adverse Letter to my wife and I cited : " E. OTHER - Outstanding credit conditions associated with your loan approval have not been satisfied ''. I had no accounts, past or present, with Green Tree. Green Tree would not reply to my XXXX Certified Letters requesting that they provide specific reasons for decline. I submitted a complaint to CFPB, providing support for all the above. Green Tree did reply to the CFPB inquires. You can read their response in the file. Net/Net : Green Tree had the property in their portfolio with the person I was buying the property from. They mistakenly classified my request for a new loan as a refinance request from the existing owner.. Had Green Tree been compliant with the law requiring prompt & specific reason for the decline, and/o, r if they had responded to my XXXX certified letters asking the same, I would have been able to clarify. Since they did not, I was required, after their long delays, to find another lender. I lost XXXX basis points in rate, had to increase my down payment by $ XXXX and go with a 15 year term as opposed to 30 year term they confirmed to offer, subject to credit approval. REQUEST : The CFPB did not appear to take much interest in my original complaint. Now, Green Tree has agreed to a $ XXXX Settlement to affected consumers who were the victims of illegal loan servicing and abusive collection practices. Even though I am not one of their customers, the same type of servicing error, caused me the damages, specified above. Read the file, you will be amazed. I want to be included in the settlement. Oh, not related to the law suit, my wife and I did get a letter from Green Tree this past weekend. Green Tree 's Notification to my wife and I of a security incident that may have compromised all my application information, including social security numbers and other personal data. XXXX XXXX XXXX
09/09/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	IL 60586	Web
I have a mortgage with Ditech Financial. On XXXX XXXX, I had damage to my home, causing an insurance claim. The claim was covered and the insurance started sending me checks right away. My mortgage company insisted on managing the funds and dispensing them as they were needed. I understood that and had no issues with that so I sent the funds to them. They sent me a check for the first {$10000.00} but no one told me it was coming so I was pleasantly surprised. Unfortunately, no one also told me that they were awaiting a series of forms from me ( that they also had not sent ). I called to make sure they had gotten what I had sent over already and asked them if anything else was needed. This was probably about XX/XX/XXXX. They said they were still waiting on some other forms and could n't release any other funds until that was received. I asked them to send me the forms that they needed filled out and I 'd get them finished. I received the forms about a week later and had them finished and sent a few days later. The company received them on XX/XX/XXXX. The company policy states that they take 7-10 business days to process the mail. That means I have to wait until XXXX for them to even read my forms that I sent. The biggest concern is that my contractor is at a total standstill and ca n't perform any more repairs until more funds come in. In addition to that, the insurance stops paying for the hotel tomorrow and I still have no kitchen. I called today and asked if anything could be done and the girl on the phone said that is policy and I have to deal with it. Unfortunately, apologies and policies are not legal tender at the hardware store so I 'm still without a kitchen and Ditech does n't give XXXX about it. I asked to speak with a supervisor and the girl on the phone said no supervisors were available and said I could leave a message to be returned in 72 hours. I told her that was not an option so she transferred me anyway. That 's more just general nonsense, but the main concern is that this company has {$30000.00} that belongs to my contractor and myself that they refuse to dispense because THEY did not advise me that they needed something. Long story short, they failed, I suffer.
01/04/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32208	Web	Older American
I have a rental property that is now vacant. I can not afford it. The tenants left with 4 months of rent due. After the tenants jumped XXXX, my husband and I were helping my daughter and her XXXX children. I am now retired. Green Tree Servicing service this mortgage. I contacted a realtor and begin applying for short sales starting 18 months ago. I had to fax information and so did the realtor. We got a short sale approval then we were told we did not get a short sale approval. We needed to start over again. I had done everything they told me to do, the few times I have talked to someone I was told to leave a message with my account representative. I have left messages sent emails and left more messages. I got a supervisor 's name left messages and included her on emails. Collections continued calling, we would tell collections we are doing a short sale they would not know because one department area does not know what the other area has on file.. Personnel changes did not help the situation. In these XXXX months I have had XXXX different persons working with my account, if not more. We went to court ( XXXX/XXXX/XXXX ) and Ditech Foreclosure XXXX was present, I told her we have had offers on the property and have not heard from Ditech. She said she did not know anything about that in her area. My realtor told me they sent the offer to Ditech. I physically handed her ( the specialist ) a copy of the offer there at the courthouse. She said she would image it. I called ( approx. XX/XX/XXXX ) Ditech they said they did not see the offer. I called the Foreclosure Specialist she checked the file and the offer was there and had been there since XXXX/XXXX/XXXX. This has been the same kinds of scenarios we have had to endure all these months. Last week I was told by my realtor that Green Tree, who is now Ditech, actually called and I needed to fax more information to go forth. I faxed the information and I am waiting to hear from Ditech. Yesterday XXXX/XXXX/XXXX I got an email The buyer now wants their deposit back/withdraw their offer for the property because of the length of time this has taken. The house goes to foreclosure XXXX/XXXX/XXXX. I do n't want foreclosure on my credit report.
01/01/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 287XX	Web	Older American
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX To Whom It May Concern : My name is XXXX XXXX XXXX ; and I am submitting a complaint against Ditech Financial LLC, that holds the mortgage on my manufactured home. I began the purchase of my home in XX/XX/XXXX and made the first payment of {$170.00} in XXXX of the same year. Now, twenty years later, after having paid 237 of 240 payments, my loan is at maturation. One of those last three payments was deferred a few months ago. The other two, I have refused to pay, until I receive the fully itemized account of my payment history, including the amount of the loan ( {$17000.00} ), the fixed rate of interest of 9.5 % ( no idea as to how it has been compounded ) ) ; the amount that has been applied to the interest, and the amount that has been applied to the principal. I made three oral requests in XXXX, and then one by email ( sent XX/XX/XXXX ), as I was finally instructed. On that same day, I was sent a reply from Ditech that my request had been received, and a representative would be in contact with me. A representative did indeed call and simply started asking me questions for which the answers were in my written request. I told the representative that I wasn't answering any questions ; that everything was in the email. I then told the person to simply send me the information I had requested ; and then we would talk. This is XX/XX/XXXX, and I have yet to have that requested information sent to me. However, representatives from Ditech continue to call every day, sometimes twice a day. Since the date of my first payment, I have paid 237 payments at {$170.00} a payment, for a total of {$40000.00}. That is on a {$17000.00} loan. I would think that my debt would be satisfied ; but Ditech still has me owing {$3400.00}. ( Three home owner 's insurance premiums ( that's another story ) of {$84.00} each, are included in this amount. ) In conclusion, I am of the opinion that my debt has been more than satisfied. I can not know for a certainty, one way or the other, though, without the information I have repeatedly requested. Therefore, I submit this complaint to you in hopes that you will help me resolve this matter.
12/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92883	Web
In XX/XX/XXXX I fell behind on my mortgage. I hired an attorney to help me work with my servicer, Ditech, to ask them for assistance in saving my home. I have been in contact with my attorney the entire time and his office told me they were working on the case and it was going fine. Then in XX/XX/XXXX I received a letter from my attorney stating he could no longer assist me because he had been disbarred for mishandling my types of cases. I then contacted my servicer Ditech and they stated I was denied due to missing paperwork. I came to the conclusion that my paperwork had not been handled correctly by my attorney and basically my attorney had allowed my home to go into foreclosure with a sale date of XX/XX/XXXX. I feel I have been defrauded by my attorney who has now been disbarred for mishandling my exact type of case ( Loan Modification and foreclosure assistance ). Besides hiring a fraudulent attorney I have done nothing wrong. I am a victim and I only wish to have a chance to have my loan actually fully reviewed for assistance before being foreclosed. I have attached to this complaint a copy of my attorney 's disbarrment. Although I understand I am filing a complaint against Ditech and they are also an innocent party in this transaction, I dot feel they should just move forward with my foreclosure on XX/XX/XXXX without allowing me to go through one review before doing so. I have hired a new very experienced attorney who helped me submit a full and complete application with financials today ( XXXX/XXXX/XXXX ) to Ditech. Ditech has told me that if they did not receive my application more than 35 days prior to a sale date, they may not be able to postpone my sale date to do the review. My sale date is currently XX/XX/XXXX. However, since I was defrauded by my attorney and kept in the dark, I only ask that Ditech give me the opportunity to actually get them a full application so I can be reviewed once before they move forward with the sale of my home. My family lives in this home and we have no where to go. My hardship was a one time issue and I now have the ability to pay all of my debt if I could just be afforded a loan modification to put the arrears on the end of the loan.
03/14/2018	Yes	Debt collection Mortgage debt	False statements or representation Told you not to respond to a lawsuit they filed against you	OH XXXXX	Web
On XX/XX/XXXX I submitted my application for a loan modification to Ditech. I was told that within 30 days I would receive a response from Ditech with a decision by mail. I waited and waited. I called Ditech each week and spoke frequently to XXXX XXXX in the loss mitigation department. He assured me that my file was complete and the underwriters were still reviewing my application. I had waited 102 days to receive an answer from Ditech on my loan modification application. I grew increasingly frustrated and my local bank recommended that I file a complaint against Ditech. It wasnt until I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, that I heard from Ditech regarding my loan modification application decision. They sent me XXXX letters that were date marked on the letters XX/XX/XXXX but ironically not received by me via United States Postal Service until XX/XX/XXXX. In the letters ( both marked with the same date ) the first indicated that my file for loan modification was indeed complete and to expect a decision within 30 days. In the second letter, it indicated that I was not eligible for a loan modification. I strongly feel that my denial of a loan modification was the result of retaliation after I filed my complaint with the Consumer Financial Protection Bureau. Furthermore, my reason for requesting a loan modification was due to divorce between my husband and I. I have negotiated a settlement with him that will allow me to keep the home and resume making on-time mortgage payments in the previous amount owed each month. I am requesting that Ditech add the outstanding payments to the end of my loan or spread the amount overdue over the course of several months to allow me to become current again. Finally, the value of my home as established by Ditech ( AVM ) was found to be {$220000.00} when in fact, I have an appraisal for {$350000.00}. This creates nearly {$120000.00} in equity that can be used to help me re-establish my loan through Ditech rather than pursue foreclosure, short sale, or deed in lieu of foreclosure. It is my intention to keep my home and I am willing to do anything to make that happen. Respectfully submitted, XXXX XXXX
01/29/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 286XX	Web
Ditech has continually misallocated my monthly payments. After each occurrence I contacted the company to resolve the issue. I was continually told they would fix the problem and make sure future payments were allocated correctly. Yet the very next monthly payment was misallocated. Due to these errors, my payoff amount was incorrect and I overpaid. Ditech said they would investigate the problem and if I was owed any money they would send it in 30 days. They made an error yet they hold my reimbursement money hostage. The misallocated funds occurred in XXXX of XXXX, XXXX of XXXX, XX/XX/XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. Regular payments were applied to additional principal and any extra principal payments were applied to regular monthly payments then I was charged late fees, interest, etc. because the full monthly payment was not paid. There were also months that I did not receive my monthly statements. I had to contact Ditech to get a statement in order to have a voucher to send with my payment. My escrow was calculated incorrectly and misapplied as well. Ditech said they could not send me a corrected escrow statement when I asked for it. I never received anything stating the error was corrected. When my monthly payments were applied to additional principal, I was told by Ditech, that I had made the payments 1-3 days before the payment was due so they applied it to principal since my account was current. However, in the past I had made payments every two to three weeks and there was never a problem. If their policy is to apply all payments to principal should they be paid 1-3 in advance of the actual due date, they should have informed me ( the consumer ) of this change in policy. However, they did not. They continued to misallocate the payments despite my numerous attempts to rectify the problem. I even spoke to supervisors and was told someone in a management position would contact me to discuss the issue. This never happened. No one ever contacted me. Ditech customer service is extremely poor and they are not interested in resolving problems. Yet they are quick to add late fees, etc. and to take your money and keep your money despite their errors.
02/20/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PA 180XX	Web
My mortgage company Ditech in XXXX of XXXX put us on a loan modification and after making 1st payment stopped calling us and would not answer any of our calls .When we finally got ahold of Ditech they told us not to make any more payments which we thought was very strange. Several months later started to get electronicly signed documents from a lawyer firm called XXXX XXXX XXXX XXXX. Turns out that they have been in many mortgage scams on there sight .My Attorney who we believe was involved as well as our Trustee seemed to be covering up something .Around XXXX we got issued forclosure papers and documents from there lawyers XXXX asking for certain documents when returning papers for a loan modification.My wife and I started to do some research and discovered some very discriminating evidence of fraudulent activity on some documents we had found involving a merger between banks that we had on our mortgage .Turns out that we actually had the deed book along with a mortgage assignment that has some very suspicious material on them. I was not sure why I would of been sent the deed so did some research and found out that everhome mortgage company had paid our house off in XXXX in a settlement agreement. When the merger took place which has XXXX different copies showing different times and dates then I have in the original cover page of deed ..there lawyers XXXX XXXX XXXX sent us papers that they were gon na have sheriff sale on house on XXXX XXXX XXXX. My wife and I believe that we were scared by our mortgage company and that my lawyer and trustee covered it up for the banks involved cause they kept me in a bankruptcy that I should have never been in cause I was transferred our home in XXXX before I was even in forclosure..we believe our rights have been violated by our mortgage company and there XXXXDitech XXXX as well as my lawyer and trustee. We now have found out that XXXX has eliminated my accounts hiding the transfer of said property.Ditech who is the latest company wo n't answer callsome and looks like they are trying to take our home away from us. We are hoping that someone will investigate this matter as time is of the essence please help us save our home of XXXX years.
07/02/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	GA 30066	Web
On XX/XX/XXXX, I contacted Ditech Financial regarding an incorrect, negative report at all three of the credit bureaus concerning a debt that is at {$0.00}. I contacted them by phone, fax, and email. A copy of the communication is attached, which shows the house sale by foreclosure, and subsequent house purchase seven months later to a new buyer. On XX/XX/XXXX, after no response, I contacted Ditech again by email requesting a status update and communication from Ditech concerning this serious error. I received no response from Ditech. On XX/XX/XXXX, I contacted Ditech by phone and spoke with seven customer service representatives, who passed me around and told me to call XXXX XXXX. I spoke with XXXX XXXX who apologized for Ditech trying to " get rid of me and the issue '', but they confirmed that the only outstanding loan on the property belongs to the people who purchased this home in XX/XX/XXXX, and told me to call Ditech back. Finally, I reached a woman named XXXX XXXX, with Ditech, on XX/XX/XXXX, she looked into the issue and then confirmed that the issue was rectified on XX/XX/XXXX, by email, and that incorrect information has been reported against me at the credit bureaus. A copy of the email is attached. She stated that the credit bureaus had been resubmitted the information and my balance was {$0.00} for this debt. This was corrected in XX/XX/XXXX, by Ditech. Then in XX/XX/XXXX, Ditech resubmitted the fake information back to all three credit bureaus and now have debt collectors calling me for a falsified outstanding debt. They call at all hours of the day. On XX/XX/XXXX, I was denied a loan based on Ditech 's false reporting of this debt to the credit bureaus. I sent XXXX XXXX at Ditech an email on XX/XX/XXXX, requesting immediate action or I would be seeking relief for Ditech 's egregious behavior. I am seeking intervention as Ditech should not be allowed to purposely report false information, after confirming the original information was false, in order to harm a consumer. I am requesting this department to assist me in rectifying Ditech 's treatment of me, continued harassment, and their continued reporting of false information to the credit bureaus.
10/23/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23231	Web	Servicemember
DiTech XXXX # XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX insurance was dropped on a property that I own that lowered my monthly minimum payment to {$460.00}. Problem : After XXXX written inquiries and XXXX distinct phone calls, DiTech has failed to correct on time payments to my account. Starting in XXXX XXXX, overpayments made to my account has not been properly applied to the Principal Balance after several requests to do so. As document C1 indicates, payments to DiTech are sent on a consistent monthly rhythm via auto Bill Pay thru my personal checking account ( XXXX ) in the amount of {$600.00} since XXXX XXXX. Approximately {$600.00} was sent on XXXX XXXX, XXXX ( see document C1 ), in which an overpayment of {$130.00} was to be applied to the Principle amount as previously requested. XXXX - overpayment appears to have been applied correctly - no problem XXXX - overpayment was not applied but placed in " Fund in Suspense '' account ( see B1 ). Additionally, my DiTech XXXX ( see D1 ) account shows that my overpayment was classified as a Late Fees. However, my payment was sent and processed by DiTech prior to the XXXX of the month in which late fees are applied per the Terms and Conditions. Both my record from XXXX and DiTech XXXX both indicate that my payment was received and processed prior to the XXXX. Furthermore, if I was late, why would my late fee be EXACTLY the same amount as my OVERPAYMENT. XXXX - DiTech appears to correct misapplied overpayment from XXXX by applying it to XXXX Principle, however, they did not apply it to XXXX ( Retro ) as requested. Finally, DiTech DID NO applied the XXXX OVERPAYMENT to the Principle Balance which was received on XXXX XXXX. In conclusion, DiTech failure to accurately process on-time payments result in my account occurring undue interest expense due to overage not being applied timely and correctly. Furthermore, it appears that I have to call annually to request that all overpayments be applied to the Principal Balance of the loan. Please, retro applied my XXXX overpayment to XXXX and likewise for XXXX. Any further inaccuracies after my initial request will result and legal actions. Thanks, XXXX XXXX XXXX # XXXX
10/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 284XX	Web
I had purchased a home in XXXX. It was later sold to Greentree services. I had got married and when we decided to divorce. I was the only person who was working. I was working XXXX hours a week. When the plant stopped overtime I had gotten behind on the mortgage. I had got it caught up. Then in XXXX the XXXX ( I worked 9 years ) decided to close down. Before they closed I had gotten behind. I called and talked to a representative and he told me if I could catch it up before I lost my job. He would deferr my payment for 3months to help me while I looked for a job. I was to call on a certain day and talk to him. I did as he told me. But when I called him back on the day he told me. He said that he could n't deferr my payment because I did n't have a job? I found a job an hour away. When gas prices starting getting high in XXXX. I had got behind again. I started getting phone calls at work. In XXXX my wife and I decided to purchase a bigger home. I had called Greentree asking if I could sell the property and pay the remaining balance. I was told that I could send in an offer. That they sometimes accept lower offers. I had a sister that wanted to take over payments ( they said no ) and I had XXXX offers of {$25000.00}. I called and asked if the offer was accepted and they said that I did n't write down the dollar amount. I had faxed the offer and reasons on XXXX page? After the mortgage was foreclosed on. I found out that they had sold the property for {$4000.00}. And I owe the rest of the mortgage. After foreclosure process I had tried to set up some type of payment. But when I called and said that I did n't think it was fair that I had to pay the {$19000.00} that they lost by selling it their selves. And the woman rudely told me I had to pay all of it. After the foreclosure they had told me that since I could n't make a payment. I could fill out a hardship form. I had did as I was told and once again I was denied. Another problem I have is that on XXXX occasion when I was behind. They called my sisters ( that was on my account ) and my neighbor and had told them each how much I was behind and if I do n't pay the entire amount was due ( again told them exact dollar amount )
07/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78209	Web
Ditech Financial assumed my home loan from Greentree, who previously assumed my loan from XXXX. I have excellent credit that has been threatened by Ditech representatives for their gross negligence. In XX/XX/XXXX, I made a payment of {$1400.00} on XX/XX/XXXX, received by Ditech on XX/XX/XXXX. I later noticed that my payment had increased, therefore, I made an additional payment of the difference of {$86.00} on XX/XX/XXXX, received by Ditech on XX/XX/XXXX. I wanted to make sure that they received their payment by the cutoff of their late due date of XX/XX/XXXX. However, I was sent a letter with a late fee charge of {$40.00}. The difference was paid before the cutoff, therefore, there should be no late fee. I then made my XXXX payment early because of issues stemming from XX/XX/XXXX. I was informed during that time that my payment was late because it was received after the first of the month. I spoke with several different representatives, whom were all demanding of an unwarranted late fee, and finally spoke with a belligerent manager. She said the same thing ... 'your payment was received after the first of the month, and it is therefore late and you are being charged a late fee '. I was threatened that I would be turned over to the credit bureau if I did not resolve " their '' issue and pay a penalty. Therefore, I started paying earlier than usual. However, since I made two payments in XXXX of XXXX, they decided to apply the early XXXX payment towards principal. Therefore, I have been assessed with a monthly late fee of {$40.00}, that is now equivalent to {$160.00} per their misconception in paying my monthly payment a little early so I could avoid these preposterous late fees. This company is affecting my credit and utilizing unscrupulous tactics to collect unjustifiable late fees. The representatives for this company are irrational and do not aid in solving the problem. They will only ask for payment. I am done dealing with this company - please listen to all the complaints you receive. I wish XXXX had never sold my loan - I NEVER would have chosen Greentree or Ditech. I hope something is done to change their unjust late fees. I refuse to pay something I do not owe.
02/03/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 291XX	Web
I was awarded a home in a domestic divorce settlement which was already in default .I contacted my lender to do any first loan modification I submitted each document that was asked for .After checking on it for every other week I kept getting a rep saying they will get back with me.To no avail nobody did .I was scared so I filed bankruptcy to give me sometime to decide what to do .I later decided to dismiss my bankruptcy and try again with my lender .I spoke with another rep at the loan company and this time I spike with an intake rep that took my info .She even asked me if I could come up with XXXX I told her I could in about three weeks .She proceeded getting all my info .She said I would receive another packet and to submit all documents it tells me too .Once again I submitted all documents I doubled check everything .i even called the loan office to speak with someone in the loan litigation dept but was told I couldn't but the lady I did soeak with told me she used to work in a LM dept at another job and could help me make sure i had everthing correct .After soeaking with her I felt confident..Well after checking on my loan modification again like before I was still getting the run around .I finally spoke with a rep that said Mrs.XXXX just send in something ( $ $ ) until you get your answers but I didn't because I needed to know that they would just take my money and still foreclose on my home .I tried going online ( my account at ditech ) to make a payment but later found out I couldn't unless it was the full amount .30 days later I get a lbetter saying I had 30 days to respond to decide what I wanted to do about my home and it listed options ..Loan modification was another options so I tried again yet no success .I just received a letter on XX/XX/XXXX saying they received what I submitted and are still working on it .Then recently I received another letter saying more documents were missed again .I really need help .Because yesterday I received a letter from a random lawyer ( XXXX XXXX XXXX ) saying he saw where my lender filed a foreclosure proceedings just been started against me based on public records available at SC judicial dept website. Please help me
03/15/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	AR 72704	Web
I have been diligently calling to ask for a reinstatement because I want to keep my home Im currently saving up funds to pay in full. The problem also is Ive been in contact with Ditech Mutiple times and calling to ask about the calls that they told me they would listen to due to the agent I called to set up my supplemental payment plan with must have mistaken and keyed in the wrong numbers of the account number I read to them over the phone. I They still have not responded to me about the calls. I call in and ask and they tell me they are busy with there bankruptcy and all and someone is working on it. I dont know what else to do because they are still investigating this .This is my home they are messing with. Ive lived in my home nearly 6 years now. I applied for loss mitigation through Ditech due to a medical hardship I had to have XXXX XXXX XXXX and developed a XXXX XXXX that I had XXXX I was very ill and out of work with no sick leave, as well as I work for the XXXX XXXX and it was during the shutdown as well and I applied but I have FHA and they told me I had to wait two years. Thats okay but I should have more options and I dont think they even read my five page medical hardship that I sent in with the documents for the loss mitigation I say that because I sent it in on XX/XX/XXXX and I received a answer by XX/XX/XXXX and was immediately thrown into foreclosure. I talked to a agent and they informed me that the account number that I told them when I called in to change my bank account information for the supplemental plan drafts from the bank and Ditech said the numbers came back as a invalid account. They never told me this until after it was too late and I didnt receive a letter until end of XX/XX/XXXX and the only reason I got it is due to calling Ditech and requesting it be sent to my email. Ive got several documents Ive kept all files all the faxed papers Ive faxed to them along with all my medical notes and bills and check stubs it all. I wouldnt be in this situation I feel if they would have done there job right the first time. Im still battling illness and working full time I just want to get to the bottom of it all. Thank you. Sent from my XXXX
07/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33183	Web
In XXXX 2014, Green Tree Mortgage took over my home mortgage with XXXX. The statements provided by Green Tree did not provide me with needed information, such as amount due. Instead, the statement read " not a bill '', " for information purposes only '' and " total amount due '' was left blank. I called Green Tree, and they told me that this was due to a bankruptcy. I am not in bankruptcy court, though my wife did file for bankruptcy a few years ago. I asked Green Tree to send me a monthly statement with information, including the monthly amount due, due date, and the total amount owed. To date, I have not received this information. I have spoken to several representatives and sent several letters requesting this information. To date, I have not received said information. I wrote another letter to the president of the company. Although he responded saying that they were looking into the matter, the situation got worse. Now, I am not getting any correspondence from Green Tree. According to a representative, all correspondence is being sent to my wife 's bankruptcy attorney. In XXXX, a company representative suggested that I go online. I did so and to my surprise, Green Tree charged me {$1400.00}. According to a representative, the fees were for attorney costs for my wife 's bankruptcy. Additionally, I noticed that my monthly payment went up from {$700.00}, the agreed-upon amount, to {$800.00}. According to the representative, the increase was to pay for the attorney fees. I was not given any type of notice regarding the attorney fees and the increase. I recently spoke to another representative. I asked that the fees be reimbursed. The representative advised me to send a letter to Green Tree, which I did. Lastly, on several occasions, I have asked Green Tree to send my an application for " auto pay '' so the monthly amount can be deducted from my bank account. I am still waiting for this form. I am requesting that Green Tree 1 ) reimburse me the aforementioned attorney fees, 2 ) send me a monthly statement with the monthly amount, amount due, and amount owed ( balance ), 3 ) send its correspondence to my home address, and 4 ) send me an application for " auto pay. ''
08/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 125XX	Web
In the tail end of 2014, I found myself going through some financial difficulties. Recently divorce, a new business that was not even brining even, and clients that were not paying for their services. I was contacted by the servicing company that has my loan, a debt collector called " Green Tree Servicing '' after offering to send a loan modification application in the mail, and telling me that I could pay a bit lower amount than the monthly mortgage, until I got approved, I felt, I was on my way to saving my home from going into foreclosure. I received and application, that was going to determine if I qualified for the H.A.M.P., and after XXXX mailing it, and faxing all those papers, I was told by Green Tree that the could n't find my application. A couple of weeks went by, I re-fax the application and after almost 2 months, received a letter from Green Tree telling me that I did nt qualify because my credit was too low and the house was not my primary residency. After finding out that I did not qualify according to GT, I wanted to know what amount I owed, so I could plan to pay to bring my account up to date. Green Tree would come up with so many reasons why they could n't calculate this amount, why their computer system was not work, and how the supervisor or the person in charge of my account, needed to be the XXXX helping me, while encouraging me to wait for an alternative modification, that some of their investors were going to offer me. I was told they had mail the papers, but after asking them to fax them, so a least, I could see them, their offer seem a worst of solution, than, if I paid everything, and went back to my regular payments. They were offering a 40 years mortgage, at 4.00 interest, higher Escrow, higher PMI, and the monthly fee was adjustable just after 1 year. Lastly, I most say, I want to being able to keep my home, bring my account up to date, and have this scammers brought to justice. Green Tree reported me to the credit companies, and told them I was diluting in my mortgage payments, they make it impossible for me to qualify for a loan, so I could only use them, and accept their " offer from XXXX '' Could you guys help me save my home!!?
09/29/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34744	Web
Ditech ( formerly Greentree Servicing ) holds the second mortgage on my home. I have never missed a payment, nor been late on a payment in 8 years. Recently with the acquisition/merger, the ability to view the account ledger to show the activity and payment processing has been made available. In this balance sheet, it was noted that the payment was not being properly applied on the date of payment. The payment is still processed manually with a paper payment sheet, paid by check and sent by USPS first class mail monthly. The payment stub XXXX spaces for the customer to complete : Total Enclosed Dollar Amount, and Extra Amount to Principal. With each payment made, an additional amount toward the principal is always sent ( even though the mortgage is an interest only loan ). The appropriate amount ( overage ) is entered into the 'Extra Amount to Principal ' box with each payment, and is calculated by using the Total Payment Due subtracted from the total amount enclosed, where the payment amount due is the interest amount due for the monthly payment. Dating back to at least the XXXX quarter XX/XX/XXXX, the misappropriation of funds has been occurring resulting in turn having to expend considerable time each month calling the mortgage servicing company, to have the statements corrected. This was XXXX noticed though, only in XX/XX/XXXX, during that time the misappropriation of funds during XXXX quarters summed approximately {$2500.00} dollars above and beyond the required total payment due ( which all should have been applied properly to the Principal amount outstanding on the mortgage ). At times a delay of up to 72 days forward accrual can be seen on the accounting register ( meaning that a payment of principal in the amount of {$250.00} with a transaction date of XXXX will show an effective date of XXXX ). With an Actuarial type interest rate of 9.5 % the cost overrun which I am overcharged, just for this XXXX occurrence averages approximately {$3.00} per month, that the non-applied principal monies remain in flux. In essence, an over-payment in the amount of no less than {$27.00} has been made in the favor of the servicing company, which is unaccounted for funds.
04/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA XXXXX	Web
We have XXXX mortgage loans with Ditech. We are having problems with our payments being applied to the correct accounts. Because they took payments and applied them to XXXX account and not the account we specified, it caused us to receive a foreclosure notice for XXXX of our loans. All along we were in contact with Ditech agents and they informed us that this account was up to date several times and that we did not owe any payments, yet. We then paid an amount specified by the agent that would bring our account up to date and then we would only owe for our next payment. Today we received a letter saying what we paid was only a partial payment and that we still owe {$700.00} plus dollars to bring out account current. The agent that we spoke to said that we did not owe anything else until our next payment. In addition, our other loan payments are also questionable because we are unsure if they were properly applied to the correct accounts. The second problem is that Ditech refuses to speak to my husband about our mortgage accounts even after I have written letters giving him permission and had directly spoken to several agents giving my verbal permission, to discuss the loans on my behalf. My husband is a financial provider and his name is on the deed, just not on the mortgages. The mortgages are in my name only. I do n't understand why this is a problem. We would like these problems resolved. We do not want Ditech to attempt to take our properties because they can not keep their records straight. From this point on we are writing all names of agents, dates of payments, and keeping check of our bank records to ensure that our payments are properly credited. At this point we do not trust Ditech. I have attached a copy of the mortgage that had payments misapplied and the foreclosure notices that we received at our home. The statement shows that the account was current. We received XXXX of the foreclosure notices, XXXX regular mail and XXXX return receipt. They also sent XXXX to the property address, which is a rental property. All of our bills come to our billing address so I do n't know why they would send them there. That is not where we live or receive mail.
07/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA XXXXX	Web
Ditech has been sending past due notices for almost 2 years, I have provided them with nearly 3 years worth of cancelled checks that prove ALL mortgage payments have been made in full every month. When I call, the representative tells me that yes, they have copies of all the checks and they can see that all payments have been made, and then they forward everything to the accounting department and tell me it will get straightened out and I will receive a letter. Then I receive another notice stating I owe 2 months! This has happened at least 4 times, and I have been dealing with this for almost 2 years. On XXXX/XXXX/16 I spoke with XXXX representatives ( XXXX in XXXX XXXX, we were disconnected during the call ) and XXXX in Missouri when I called back. I told her that I no longer believe anything different will happen when she told me " Yes, I see all the cancelled checks and I will forward this with an email to accounting to get it fixed '' and asked how I can get a face to face meeting with someone who can actually resolve the issue - all she could do was say she is sorry and can forward everything to accounting. I have XXXX loans with the exact same scenario, so I will submit this exact issue under each account number. I would like to note with this loan that on XXXX/XXXX/16 " XXXX '' stated the balance due for XXXX was {$140.00} because the loan payment went up in XXXX 2016. I was so elated that I paid the {$140.00} ( confirmation # XXXX ) and believed my struggle was finally over with this loan. But then on XXXX/XXXX/16 XXXX called and said that I still owed {$15.00} and then the monthly loan payment would be paid in full though XXXX/XXXX/16 with {$900.00} due on XXXX/XXXX/16 - so I sent a check for {$15.00} ( which cleared on XXXX/XXXX/16 ) and I paid {$900.00} for XX/XX/XXXX ( cleared XXXX/XXXX/16 ). Then on XXXX/XXXX/16 I received a statement that said {$1700.00} was due as of XXXX/XXXX/2016!!!!! And then I realized that the Escrow analysis dated XXXX/XXXX/16 ( received AFTER XXXX 's phone call ) states the loan payment is to rise from {$880.00} to {$880.00} as of XXXX/XXXX/16 so where did the {$15.00} increase XXXX quoted on XXXX/XXXX/16 come from?
06/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33411	Web
We applied for shortsale assistance XX/XX/XXXX, as it was offered to us to help us avoid foreclosure. After we submitted at least XXXX offers from buyers ( we also had a few, really low ball Cash Offers which we did n't even bother with ). All within timeframes of XX/XX/XXXX through now. Each contract price gets countered to above market value. Each time the buyers cancel the contract, as it 's subject to the 'shortsale approval ' and then a new BPO/Appraisal. My realtor kept listing the property at what the bank wanted $ XXXX and got NO showing request. She sent this XXXX listing history to the lender to show them, no activity. It did n't seem to matter. We sent them the comps they wanted 'Non Dis-stressed, Foreclosures or Shortsales ' to be used as comps? Does this make any sense. Why is n't the bank using comparables to my house, in the current dis stressed condition it is in, to appraise the property? Because it does n't benefit them! I feel the bank is purposely delaying this shortsale and not coming to the true market value of this property because they would rather see it go into foreclosure. Which during this process they would stop foreclosure actions, the bank just filed the les pendens law suit about 1 month ago, knowing we have had a contract in place for shortsale processing. I am not sure if this is a form of discrimination or some scam. For example, on the 'latest ' contract in for shortsale approval, XXXX different BPO/Appraisal people came out for the bank, within days of each other, XXXX is reported to just take pictures, no value dispute the other is told to do full BPO. When they go back to submit the work, the lenders request is cancelled. Why is the bank stalling to finalize this shortsale. The current buyer has to move out now by XX/XX/XXXX- he is going to have to walk from this sale, again like the other buyers, because the file is not being processed or moved along at fair market value. There are current water leaks in the master bathroom windows, no washer or dryer and AC that does n't really work. We have disclosed all of this to the buyers. Does the bank really want to work with us or not? Please stop wasting our time. HELP!!!!
06/03/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89117	Web
After the bankruptcy date of XXXX/XXXX/XXXX, Ditech Financial LLC kept the account opened and continued to try to collect on a discharged account. When they were first contacted about this error and asked to stop, Ditech did not stop collecting on the account. In XXXX of XXXX Ditech was again asked to stop collecting on a discharged account, at that time they stopped communication, but they kept the account open. The account history for XXXX to XXXX should be cleared from from all XXXX credit reporting agencies because the account was discharged back in XXXX. After multiple communications with Ditech, they have not agreed to follow the mandates of the bankruptcy discharge, and to this day they refuse to close the account. They have not provided any reason for their refusal to follow the bankruptcy court discharge. Ditech has been reporting this as a foreclosure. This is illegal! The debt has been discharged through bankruptcy on XXXX/XXXX/XXXX. Ditech financial 's customer service representatives admitted that they show all of the bankruptcy paperwork on file, but they have told me that they will continue to collect on the debt because the account is open and active. I talked to the trustee in charge of the foreclosure process on behalf of Ditech. Ditech is attempting to foreclose on the home that we no longer own and of which the debt I 'm no longer responsible for. The trustee sent me an email telling me that they know we surrendered the home through bankruptcy and she told me that I should escalate this to a Ditech supervisor because Ditech may be reporting this debt as a foreclosure instead as a surrender in error. I called Ditech back to speak with a supervisor who told me that she can not do anything about it and that I have to send a letter to their correspondence department with my issue proving that they are making an error. This is after the Ditech people admitted to having the bankruptcy information on file and admitting that they have never followed up with my calls when I have called to have this reviewed on their end. Ditech representatives admitted that the account is still active and that they are actively seeking to collect on the debt.
04/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 02324	Web
XX/XX/XXXX I received a letter from my mortgage services DiTech financial stating, Ditech has conducted a review of your mortgage loan ... ... the review determined that you previously paid {$360.00} in excess post-petition payments ... .these amounts will remain on your account ... please consult your next monthly statement for detailed information regarding your mortgage loan, as this remediation May have changed your unpaid principal balance and/or the date when your next payment is due. I carefully checked the next two statements and went online and viewed my account in particular the transactions page which shows all money going in or going out of the account. This overpayment never showed up anywhere. I called Ditech several times since XXXX the second time I was told that an investigation team was going to track down where that money went. I heard nothing back each time. I checked every statement since that letter and never saw my money applied anywhere. Ive had two escrow analysis done since that letter both indicating a shortage hence my monthly payment increased each time. I carefully checked both of these analyses and that money was never applied to principle, interest, held in suspension, escrow or anything else. The last time I called I was on the phone for 2hrs and 44min. This woman XXXX ext. XXXX Bankruptcy customer service, looked everywhere for this money. She even went back prior to the letter to see if they lumped it into some other amount. It just wasnt there. She spoke with her supervisor XXXX twice and checked a few other places it may have been that ( she ) I didnt know about. Still couldnt find it. A concerning fact is that she told me that there were NO other notes on my account about previous calls or investigations or research of this matter! XXXX was doing her best but it appears that money was received by Ditech, it belonged to me, they acknowledged it belonged to me, they have the money and have not returned it to me. XXXX attached the letter to an order to elevate the matter to the bankruptcy team. She swore she would call me back later that day or the next day ( call was made XX/XX/XXXX ). Big surprise they never called.
01/03/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 313XX	Web
I would like to file a formal complaint against DiTech Financial LLC. My ex-husband and I have a home that is currently still in both of our names. He and I both have remarried and my current husband and myself are residing in this property and have been since XXXX of XXXX. My current Husband & I have been actively trying to get the home refinanced into our names to make the place our own and freeing up my ex-husbands name from any responsibility to the place which also allows him to move forward. We have been corresponding with DiTech since the beginning of XX/XX/XXXX and are still currently seeking the documentation we need to be able to process this Mortgage. We have a lender willing to allow us to do so and the only thing holding us up is DiTech and their unwillingness to cooperate. All we need are copies of the actual mobile home ( 3 sections to the home ) ( 3 ) titles to the home on our mortgage which they hold. We have been told as much as they have to be requested which I have done ample times, to they are awaiting approval by a supervisor before they can be sent out, back to they have no titles showing, and we have also been told its not listed as a mobile home. Initially we were told it would take 7 to 10 days for the request to process. And then the time frame and replies kept changing. You never were able to talk to the same person twice for the most part. Even our Loan Officer that is assisting us has contacted them and they gave her the run around and was rude to her as well. I do not understand how you can be in the Business of holding peoples mortgages and not be able to produce this Documentation. Its not like we are buying something that can be returned! This is our home which blood sweat and tears has gone into not to mention the cost. I would GREATLY APPRECIATE ANY AND ALL ASSISTANCE IN THIS MATTER .... I feel as though this is a HUGE INJUSTICE to me as a Consumer. Rest assured if it was the other way around I am sure they would not be happy either and they would want their money. I HOPE AND PRAY THIS CAN BE RESOLVED SOON AND I HOPE THIS HELPS SOMEONE ELSE DEALING WITH DITECH IN THE FUTURE ... ..SINCERELY STRESSED OUT CONSUMER!!!
08/22/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91406	Web
After many years of not being able to get out of my XXXX XXXX XXXX loan which came to them by way of XXXX by way of countrywide I was finally able to refi through the hope for homeowners program and get out of my adjustable rate mortgage and get a fixed mortgage, they, in turn sold my loan to Ditech. In XXXX I contacted Ditech in order to refi to a lower rate take out cash to pay of high interest credit card debt thus lowering my DTI .... Instead of responding to me they sold my loan to XXXX mortgage. I contacted FHA to find out about programs to help homeowners stay in their homes. They referred me to XXXX loans and they denied me even though I have the equity the credit score and the income ... .plus they did not offer me any government options ... But yet this is the company the government told me to contact for help. Out of the blue XXXX ... my now NEW servicer ... ... contacts me and says they can offer me a program to take cash out pay of my debt to go towards my Debt to income ratio at a cost of {$17000.00} and 10 years of pmi payments of over {$350.00} a month even though I have over 50 % equity in my home ... ..I owe XXXX and my home is worth XXXX. I have good credit and I believe that these companies are trying to take advantage and give me unfavorable rates and loans based on being single XXXX and female which is one of the first things they all asked me about. My complaint is to Ditech for selling my loan in order to not do a refi. This is not the first time I have had to battle these companies from trying to steal my home from me ... I spent 8 months in 2009 trying to clear XXXX XXXX XXXX attempt to take my home by them claiming I was not paying my mortgage on time which after sending them all the cancelled checks disputing their claim the were in error Nd stopped their attempt to take my home ... .but by then I was stuck in the Arm mortgage that took me years to get out of. I even contacted the DOJ at the time and they said XXXX XXXX XXXX did nothing wrong but year later they he to pay the government a huge fine for their part in the mortgage crisis. So yet again I am fighting to get fair and equitable treatment. Regards
08/05/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	IN 46236	Web
On XX/XX/2019, we received a notice from Ditech, stating our escrow had a shortage of {$430.00}. Then, on XX/XX/2019, we received a very similar notice from Ditech, but not they stated that we had a {$1300.00} shortage, but not explaining how that changed. I carefully studied our escrow account, and created my own spreadsheet, to project the escrow balance moving forward, based on information obtained on our account on Ditech 's website. I was able to see that what Ditech was claiming as a shortfall in escrow was completely false, and simply fabricated. In fact, if the escrow amount remained at the then-current {$360.00}, the escrow balance would still not fall below {$440.00}, and I walked them through the math of each month, in my 3rd phone conversation with them. The 1st representative I spoke with ( in XXXX ), XXXX, was very rude, and argumentative, saying they were right in their assessment. The 2nd rep I spoke with ( in XXXX ), XXXX, stated a supervisor ( XXXX ) was not available, but she would contact me within a week. It never happened, and no changes were made to our account. The 3rd representative I spoke with ( on XX/XX/2019 ), XXXX, said she did not dispute the escrow balance information I gave her, and that my escrow could never be in the negative, as the claimed. Specifically, Ditech 's XX/XX/2019 statement claimed that on XX/XX/2019, our escrow was project to have a balance of - {$140.00}. Even XXXX admitted to me on the phone, that in actuality, on XX/XX/2019, our escrow balance was {$910.00}. Yet, she would not resolve the situation, and stated that the only thing she could do is request a re-evaluation of our escrow, which would take 8 business days. Now it is XX/XX/2019, and there are no changes to our online escrow balance, or billing amounts. Ditech began applying the incorrect, increased escrow amount of {$450.00} on our mortgage payment of XX/XX/2019. And since we are paying extra toward our principal every month so we can slowly pay the mortgage of quicker, Ditech is actually robbing our principal payment by {$1000.00} annually, and causing us to pay undue interest, and prolong our payoff period. This is just not right.
04/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48313	Web
Ditech Financial recently responded to my letter with respect to the First Date of Delinquency being reported to the Credit Bureaus. Although I appreciate the response, the information remains inaccurate. ( Attached is Ditech Financial response ) Ditech originally was reporting to the credit bureaus a date of first delinquency as XX/XX/XXXX, after their " investigation '', they state the actual first date of delinquency has been updated to XX/XX/XXXX. ( Attached Ditech Financial response ). This continues to be inaccurate. Ditech also provided the loan modification from XX/XX/XXXX. ( Loan Modification attached. ) The modification took place with XXXX, the mortgage was sold to Ditech in XXXX of XXXX ( Attached Loan Assignment ) The Fair Credit Reporting Act defines the first date of delinquency as : According to the Fair Credit Reporting Act ( FCRA ), negative entries can remain on your credit reports for 7 years from the " Date of First Delinquency '' ( DOFD ). The DOFD is the date a consumer first becomes 30 days late, never brings the account current. Luckily, I have attached statements showing delinquency from XX/XX/XXXX. They have all been attached to this complaint by date. The information is as follows : Statement Date Past Due Amount Shown on Statement XX/XX/XXXX {$1500.00} ( There was no payment made in XX/XX/XXXX ) XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX XXXX XX/XX/XXXX {$3000.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$3400.00} XX/XX/XXXX {$3400.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX $ XXXX XX/XX/XXXX {$3800.00} XXXX was the last XXXX statement, mortgage was sold to Ditech. The first statement from Ditech shows a past due amount {$4600.00}. Ditech reporting the first date of delinquency now as XX/XX/XXXX remains inaccurate based on all the statements and attachments. At that point in time the mortgage was several months past due. The date of delinquency is defined as the fist time the mortgage goes past due and not brought current. This mortgage has not been current since XXXX XXXX per the attachments of statements.
07/13/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 92691	Web	Older American
In and about the month of XXXX 2016, Ditech sent notice that the amount of mortgages ( and I have XXXX accounts with them ) would be different. Since I have automatic bill pay set up for these accounts, it required an adjustment that apparently missed the timing in some way. Or at least that may be what happened. For XXXX account, Ditech REJECTED the payment due to a change in account numbers that they initiated and of which they did not ( or at least I have no record thereof ) notify me. Therefore, the payments for the month of XXXX were " late '' ( or " rejected '' and then late ). I called to appeal a late fee that was put on only XXXX of the accounts ( the other was not penalized ) and was told my appeal would be submitted. Then the late payment and AN ADDITIONAL late payment appeared again for XXXX, suggesting the corrected XXXX payment was late as well. When I called about that, I was told that the XXXX ( XXXX late fee ) had been dismissed but that XXXX payment was " late. '' I inquired into how that was possible considering that I changed only account numbers on my automatic payment and that submission dates were the same as they had been for years. It was suggested to me via XXXX XXXX and the DItech staff member that the address the payments were being sent to ( and had been for YEARS ) was suddenly no longer the correct XXXX. Again, this is without any notification of a problem with this from Ditech 's end. I appealed again. Oh, and Ditech 's staff person at the time said the first late fee had been removed. Now receiving Ditech 's current statement, XXXX late fees still appear. I pay ALL bills on time ; I have never paid a cent of interest on a credit card because I pay those off every month ( indeed, I have the option with those banks for them to take the billed amount out of account if I somehow missed setting up that bill pay ). Ditech has not communicated well regarding the changes to the account : amount, numbers, and payment address. I believe all is now fixed ( after all of MY effort ) but I seriously object to them charging me any late fees for problems initiated on their end. Please assist me in dealing with them. Thank you.
06/16/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 22630	Web
My house that was owned by my mother and willed to me is in foreclosure and set to be auctioned in XXXX. This is happening even though I have been told that I qualify for and fit into modification guidelines for help. My issue is that Di Tech Financial has failed to conduct any type of review of my financial situation or assign a dedicated account manager to work with me. I had some financial issues in the past but my income and employment is steady and my current wife works as well. We could easily afford a reasonable payment if DiTech Financial were to review us for any of their internal or government programs. This is a conventional fixed rate loan and there should be some type of modification program for XXXX XXXX and XXXX XXXX loans that DiTech could look at. Our problem is that they are passing all of this by and just trying to do a foreclosure sale on my home. My problems with this loan began in XXXX when I was going through a costly divorce. I could not keep up with the payments and fell behind. I contacted the servicer at the time ( Greentree I believe ) and they reviewed my information and told me that I was eligible for a loan modification. I began the process but my ex-wife ( who was listed as co-borrower at the time ) was not cooperative. We fell further behind and then together we decided the best thing to do was reinstate the loan and pay all the past due amounts. We did this and then got the divorce finalized and the house was awarded to me. However, I had a couple of bad seasons which affected my employment and income ( I work as XXXX XXXX/XXXX ) and fell behind on the loan again. I am once again trying to resolve this matter and get considered for some type of assistance but cant get to first base with DiTech. My income is back to where it used to be and my current wife is employed as a XXXX and together we earn sufficient income to qualify for assistance programs. The problem is that Di Tech Financial will not even give us a chance to be considered for retention options, even those that they are required to offer on conventional loans. Instead they have moved to auction our home on XXXX XXXX without even giving us a chance.
11/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WI 54130	Web	Older American
I built a home in XX/XX/XXXX and obtained a mortgage with XXXX XXXX. When they were purchased by XXXX XXXX XXXX, my mortgage was transferred to XXXX. I started to experience financial difficulties and could not make my mortgage payments. I spoke to a lawyer and he advised me to file a Chapter XXXX Bankruptcy. I filed in XX/XX/XXXX for the Chapter XXXX. XXXX sold my mortgage loan to XXXX XXXX in XX/XX/XXXX, who then sold it to Green Tree Financial ( now known as Ditech ) in XXXX. The first thing Green Tree did was add a {$35000.00} past interest charge to the loan. I have tried to contact Green Tree and they will not talk to me, saying that the mortgage is in an active bankruptcy. The bankruptcy was closed in XXXX XXXX successfully paying all creditors. I am trying to refinance my mortgage with XXXX XXXX. The first payoff they received in XXXX XXXX was {$190000.00} ( my original mortgage was {$170000.00} ). Due to so many issues with Green Tree the refinance was not closed quickly. When the second payoff was requested in XXXX XXXX it was {$200000.00}. I made {$6400.00} in payments to Green Tree over this time period ( from XX/XX/XXXX to XX/XX/XXXX ), yet the principal balance remained the same. The escrow balance and the past due interest both went up by {$4000.00} dollars. Green Tree has NOT paid any escrow payments over this time period. I need someone to help me sort this problem out as I can not reach anyone at Green Tree!! PLEASE help me!!! I do not want to loose my home due to a finance company that is 'playing games ' with my mortgage. How can the balance go up when I am making regular payments?? Please advise me as to what can be done, I am not willing to pay these people $ XXXX {$40000.00} extra money that both XXXX and XXXX NEVER asked for?? HELP!!!!!!!!!!!!!!!!!!!! I did try to do a loan modification with Green Tree, they kept sending my bankruptcy lawyer letters saying I was not providing the information they requested. I have proof of information sent via FAX showing dates they were received by Green Tree. They have since told me that the time line for the loan modification has expired?? I need some help to get this resolved!!!
05/11/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 493XX	Web
We filed for Chapter XXXX bankruptcy in early XXXX to save our home from foreclosure. At the time, our mortgage was with XXXX . During the bankruptcy the loan was transferred to XXXX then to XXXX XXXX XXXX . Our last mortgage payment made through the bankruptcy to a mortgage company was XXXX . At this same time Ditech began se rvicing the loan. The filed paperwork stating that we were behind on payments, but then relented and said the loan was current. I tried to cont act Ditech in Fall of XXXX to try to have PMI removed. Ditech w ould not talk to me and referred me t o a 3rd party bankruptcy servicer. This 3rd party sai d that they showed my payments as current and that I would need to make my request by fax to Ditech to have the PMI removed. I faxed Ditech, but ne ver heard back. In XXXX of XXXX , I tried to contact Ditech again and was again referred to t he 3rd party servicer. They again confirmed my payments were on time and that they had made multiple requests to Ditech to begin servicing the loan again because my bankruptcy had discharged in XXXX . I contacted the servicer a few other times about the change in servicing. On XXXX XXXX , I faxed Ditech to reques t they begin servicing the loan again, to remove PMI, and to recalculate our escrow because they had made an error in the estimate. About a week later I received a letter fro m Ditech stating tha t we were past due {$3300.00}. I left a message for the agent XXXX at extension XXXX . When she called me ba ck three days later I missed the call. On XXXX I faxed Ditech court paperwork from their lawyers stating that as of XXXX / XXXX / XXXX our mortgage payments were current. Since this time we have made all mortgage payments. I received a call from XXXX at extension XXXX on XXXX XXXX . She stated that we did not make all of our payments during the bankruptcy or that some payments were made but not for the full amount due. She was unable to tell exactly when this happened due to the transferring of the mortgage, but she was going to send me a payment history. She reminded me of the amount past due and the possibility of foreclosure.
11/05/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	FL 32907	Web
My spouse filed for chapter XXXX approx 2010. Our attorney advised that we could have our home equity line of credit 'stripped ' because the house was appraised at less than what we owed. The chapter XXXX was approved and we were assigned a trustee to which we sent money to each month for a period of time. Then, our attorney called advising that we could have the bankruptcy converted to a chapter XXXX where which we would no longer have to pay the trustee. We paid the attorney the additional fees and the chapter XXXX was approved. Now, my spouse is attempting to refinance her home and we are advised that Greentree financial, the heloc company has a lien on the property. I can go on and on about how greed is destroying America. But for crying out loud, we were led to believe that we followed the letter of the law. Now I ca n't do n't hear from our attorney and the window of opportunity is closing to qualify for a lower interest rate. My spouse has been working for the same company for fifteen years. Now. She barely makes above {$30000.00}. The company has layoffs very very often and each time it scares the wits out of her. She is a hard working individual as is evident by the fact that she has never been laid off but she works in manual labor and she is getting old to the point where she may not be able to keep up the pace for very much longer. And she 's aware of that and she 's just trying to lower her interest rate from 5.5 % to a XXXX. Not very much, but its something! And now she 's being trounced on by this lender when the rule clearly states ' In addition, if your house is worth less than your first mortgage, you can petition a bankruptcy court to declare the HELOC loan as " unsecured, '' which would effectively cancel the loan as well as the lien. ' Do we have to be rich, or in the 1 % to have this rule affect us? I 'm a XXXX veteran and she 's coming up on a major decision as to remain at {$30000.00} and continue with the wear and tear of her position, or quit and find something for possibly {$7.00} per hour. Our government and the corporation that support or government have placed her in a lose-lose situation. Please help.
05/09/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33020	Web
While this company was called XXXX, I entered into a loan modification trial period that promised a loan modification at the end of a three month trial period, if I met the criteria of the agreement. XXXX, and the end of the three months, then claimed they had not gotten all of the paperwork form me ( which was not true ) and continued to accept modified payments and request documents, over and over, for a period of over two years. After the 25-month trial period, XXXX rejected my loan modification application and claimed I had not paid as agreed. They reasoned that I owed the difference between the modified payment and the contractual payment, and all the arrears, including late fees and legal fees, were due immediately to avoid foreclosure. I asked for a type of work out that could catch me up over time, they refused. They foreclosed, even though I had made every payment in full and on time, and had provided all documents promptly, over and over. At court, XXXX and their attorney from XXXX Law XXXX, did not convince the judge that I had been delinquent, so they introduced last minute evidence, the Collection Notes, which I had not seen, to claim I had not provided documents as they requested. The defense was not allowed to read said documents until the trial was over. After the trial, I read the Collection Notes and found that XXXX and their attorney had not only received the correct documents over and over, but that they made up reasons to reject the documents, ofter making up reasons. I appealed, but the appellate court took the position that the case needed no review. I then put forth a motion to overturn the verdict in the Interest of Justice, because the Plaintiff had lied in court ( please see CFPB complaint # XXXX ). XXXX response was to transfer the servicing to a new company, Ditech. Ditech then moved to set a sale date for my house, even after becoming aware that XXXX had lied in court that even though there was an open motion on the desk of the presiding Judge. Please note that XXXX is under Administrative order File No. XXXX. This order was issued because XXXX did these types of things, habitually, to their borrowers.
06/12/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 53713	Web
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I was required by the bankruptcy agreement to resume mortgage payments to Ditech Financial on XX/XX/XXXX. I called Ditech on XX/XX/XXXX to make a phone payment. I was told that they would not accept a payment because their system did not have any information about my account. I explained that I was required to make a payment XX/XX/XXXX. I was told by the Ditech representative to wait for a letter with payment instructions and that I could not make a payment at that time. When no letter arrived by XX/XX/XXXX, I called Ditech again to make two payments - one for XX/XX/XXXX and one for XX/XX/XXXX. They again told me that they would not accept payments because my account was not set up to do so. I explained that I was required to make payments starting in XX/XX/XXXX, I was told that they had no information about the bankruptcy requirements and that I should wait for a letter with instructions and that they would not accept payment. When XX/XX/XXXX came and still no letter and fearing that I would be in violation of the bankruptcy agreement, I went on-line and submitted a payment. I was not able to access my on-line account prior to that. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX attorney ( which I 'm assuming is related to Ditech ) letting me know that my mortgage is being foreclosed because I did not make the XX/XX/XXXX and XX/XX/XXXX payments. I contacted Ditech again on XX/XX/XXXX. I asked why I was told that Ditech would not accept my payments in XX/XX/XXXX and XX/XX/XXXX and they could not provide an answer, however, they did confirm that I was indeed told that I could not make payments in XX/XX/XXXX and XX/XX/XXXX. The Ditech representative advised my to consult with an attorney before making an additional payment - again, telling me not to make payments. The representative would not confirm that my XX/XX/XXXX payment would be applied to my account but did confirm that Ditech received it. Ditech purposely lied to me and refused to accept my payments in order to foreclose on my home. This company should be investigated. I need to hire any attorney to resolve the issue.
01/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07869	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ. ( XXXX ) XXXX XXXX Mortgage Company in Question : Ditech Servicing Account # XXXX To Whom ever it may Concern : I being Mrs . XXXX XXXX would like to File a Formal Complaint against the name Mortgage Company above Ditech. Accordingly, On XX/XX/XXXX I initiated a Bankrupsy that did not include my home. ( will explain Further on ) It pertained Primarily to Credit Cards. Accordingly, I was with XXXX XXXX XXXX at the time Nevertheless, Both Mortgage Companies have appeared to have Presented a violation to this Consumer. The situation became Damaging when XXXX XXXX for no apparent reason changed my Mortgage to a Servicing Company ( Ditech ) without warning and without my Consent. Additionally, I was never Provided any Documents to Sign or review. We were never late or in Default with XXXX XXXX yet, with Ditech I had to do a Modification. Such presented itself to be atleast {$100000.00} difference between the ( 2 ) loans .Nevertheless, after many years have Passed it was recently Discovered that my Mortgage is not being Reported to The Credit Bureaus. Our Credit is Important to us and we would like to see our Tradeline for Ditech on our Report .Although, many feel that they dont have to Report The FCRA provides Consumers with the prospect of what is Fair and Accurate .Otherwise the Mortgage Company can do as they feel and charge excessive amounts of money to the Consumer and there would be no verification .And the Consumer would be left to fend for themselves. As Previously stated I did a Bankrupsy in XXXX I was not with Ditech at the Time and my Bankrupsy was only Cards notmy Home. When I phoned Ditech on XX/XX/XXXX as to why they were not reporting the Mortgage.They Stated it was because of the Bankrupsy and I would need a Bankrupsy Law to reestablish a loan with them we are still making the normal Payments and the has never been an agreement to Stop making payments previously or now.The point is that we want to be treated Fairly .And we need the Mortgage Company to Comply according to Federal standards and to live up to their obligation to respect The Consumer.
10/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32824	Web
Credit not being applied to load balance. Ditech keeps making excuses ; they verify they have the payment, but refuse to use it. I tried several times to have them apply this amount to the next monthly bill, ended up having to make late payments because they didn't apply as they had been asked to do. The issue may have started in XX/XX/XXXXbut was exacerbated in XX/XX/XXXX. Two payments were applied in XX/XX/XXXX. Both are acknowledged by Ditech when talking with them on the phone. This acknowledgment has done by several agents in the multiple phone calls with them to resolve the problem over the overpayment. In previous phone calls, it was understood that the over-payment would be applied to the next month 's mortgage bill. Instead, it was not, and late fees have been applied. I am providing the invoices so that the new interest charges for XX/XX/XXXXcan be seen. XX/XX/XXXXwas the month the overpayment should have been used. Ditech had the entire month to apply this over-payment, instead, they chose not to apply it for XX/XX/XXXX. Another couple of phone calls were made. We were told that an investigation needed to happen, and they wanted back statements to prove what they had already acknowledged as a payment in their system. Again they were asked to apply that over-payment to the bill immediately. They did not. They were asked to use it for the XX/XX/XXXXpayment, and they did not. After multiple phone calls in XX/XX/XXXXand XX/XX/XXXX, they still have not completed this supposed " investigation '' on their part. I called twice this week. Today I was on hold for a supervisor for 55 minutes before they hung up on me. I see multiple complaints about them delaying/making excuses about applying the credit toward the monthly payments. It appears this is the method they are using to rack up late fees. Things seem to have gotten worse since their chapter XXXX filing. I am looking for a solution to this overpayment, which they acknowledge but refuse to refund or apply to the monthly mortgage payment. Please let me know what info I can provide to help with this recovery of funds paid. Thanks for any assistance you can provide.
10/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20743	Web	Servicemember
Green Tree Lending transferred my mortage loan to Ditech ; I did n't have a good experience with Green Tree and now I 'm having an awful experience with Ditech. Since Ditech has taken over my loan they have done nothing but harass me for a payment that is not even 60 days past due. They sent a representative to my home which their customer rep says is there practice when payments are 60 days past due XXXX my account is not 60 days past due - it was due for XXXX and XXXX but as of XXXX XXXX it is not even 30 days past due ). They have sent certified letters to my home noting the start of foreclosure proceedings for my past due account. They sent a letter to my husband on XXXX XXXX noting mitigation options for the loan even though he is not listed on the mortgage. They were calling my job everyday until I ask them to call my cell phone. Now they are calling my cell phone morning and night to discuss my account even though I have informed them of my reason for falling behind in my payments and my plan to bring my account current. I spoke with a Manager today who insisted that I make my payment via check by phone because if I used my XXXX XXXX XXXX account to make a payment that it would result in a check being mailed and a mark on my credit because it would be 30 days past due. I was transferred to the Manager because I thought he was going to address the non-stop phone calls, the daily letters in the mail, and ensure that no one showed up to my home to see " if my property was vacant ''. According to the Manager, Ditech sends a representative to the home to verify if the property is occupied once the payment is 60 days past due which my account has never been. My mortgage situation XXXX home upside down ) puts my family in a position that I am stuck with these predatory lenders ( although I have a great interest rate and have maintained a good payment history until my husband 's injury ) my loan keeps getting moved around as these companies transition from XXXX to XXXX to GreenTree and now Ditech. The mortgage needs to do more to protect homeowners from greedy, heartless, collection companies such as Ditech and others like them.
05/14/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 65251	Web
Have a mortgage on a mobile home with Ditech. Never received a bill in XXXX XXXXand by XX/XX/XXXX still had not received a bill. Called the customer service to ask about account status, was told my bill had been mailed out on the XX/XX/XXXX, payment on this account is due on the XX/XX/XXXXof each month. Finally received the bill and sent payment for both XX/XX/XXXX and XX/XX/XXXX. Got a notice yesterday that I was in risk for foreclosure and that they want me to talk to Loss Mitigation. I got online and looked at my statements. There was no record of a statement having been sent in XX/XX/XXXX, and no record of one being sent in XX/XX/XXXX, until the statement sent on XX/XX/XXXX. I tried to contact customer service yesterday. Chat was " unavailable ''. I called their customer service number 5 times, got disconnected every time when the automated system claimed to be sending me to a representative. An attempt to send a message through the website also failed with a message that an error prevented it from being sent successfully. I immediately made an online payment for the amount they said was " past due '' - {$830.00}. to be processed immediately. Payment has not credited to account. I did call my bank, and the payments I sent through the mail have not been paid yet by them, but I will continue to monitor. I believe no billing statement was sent either due to sheer incompetence or in attempt to deliberately put me in default. I took a screen shot of the list of statements available on their site ( showing no statement had been generated in XX/XX/XXXX, and the late statement issuing on XX/XX/XXXX ). I also downloaded all statements from them since XX/XX/XXXX, in case I end up in court with them. I have had this loan and paid it faithfully since XX/XX/XXXX. I also received a notice from them that they are in Chapter XXXX bankruptcy, so filing a suit against them now seems like a pointless gesture. This company needs oversight, now. Looking online I see numerous complaints from others having the same or similar problems with payments not credited and being unable to reach customer service to attempt to resolve problems.
01/21/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46077	Web	Older American
XXXX XXXX, 2017 Re : Mortgage account # XXXX Property XXXX XXXX XXXX, XXXX IN XXXX Dear Sirs : This is direct request that Ditech terminate the escrow account and monthly charges on the above mortgaged property. Ditech is using escrow account on listed property to gain interest free self-serving loan from customer. The Consumer Financial Protection Bureau is suing Minnesota-based XXXX XXXX Bank XXXX for allegedly " tricking consumers into costly overdraft services ''. Ditech is doing the same 'trick ' with escrow account attack to defraud home owners for 20 % increase in costs with no factual basis or need. On property : XXXX XXXX XXXX, XXXX, Indiana, the current escrow is $ XXXX. New escrow is $ XXXX. This change is an increase Total= $ XXXX, which results in $ XXXX increase. This is XXXX % rise in escrow cost, which adds total {$6000.00} escrow each year to cover {$5300.00} actual cost, [ Tax : XXXXHomeInsurance : {$1700.00} ]. This is an annual {$710.00} " profiteering '' interest free loan to ditech, in addition to the {$2300.00} carry forward balance before any escrow disbursement occurs. House insurance on this property has not changed in 10 years, and current, active policy enclosed. Mortgage property value assessment has been substantially reduced on appeal [ Enclosed ]. This will result in property tax reduction. There is no evidence of tax or hazard insurance rise or increase. When discussed with ditech staff on XXXX/XXXX/2017, the employee claimed : " this is your saving account. '' This is a bald face sales pitch lie, as no bank saving account pays 0.00 % interest. Ditech escrow manual states : " If the surplus is more than {$50.00}, we will send you a check for the surplus funds. '' This statement is in direct conflict with the claim for an unsubstantiated, meritless increase of {$92.00} per month, and the additional demand for immediate payment of & gt ; {$700.00} excess escrow monies. The ditech {$1400.00} escrow funds and collection attempts on mortgage account # XXXX must be terminated immediately. The {$1400.00} surplus currently in the escrow account must be paid, re-numerated, returned, to home owner.
06/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60564	Web
I have been requesting information specific to my PMI canceling for a significant amount of time. The last request I placed was via email on XXXX/XXXX/2016 asking for a review of my account to determine if my PMI can drop off without ordering an appraisal. I have yet to receive a response other than the PMI dept is still reviewing my account. I received this 'status update ' via a letter on XXXX/XXXX/2016 as well as verbally when I called on XXXX/XXXX/2016 and XXXX/XXXX/2016. When I called on XXXX/XXXX/2016, I spoke with XXXX who advised my PMI had not dropped off yet even though my LTV was around 75 % because I had been paying bi-weekly and my principle had decreased faster than the amortization schedule had detailed. XXXX placed another request in with the PMI dept for their review and promised to call me with their status. I called on XXXX/XXXX/2016 and spoke with XXXX, she advised the termination of my PMI does not consider my account balance but instead goes by my predetermined auto termination date as determined by my amortization schedule created at closing. When I asked her what that date was, she told me that was still under review from my XXXX/XXXX/2016 request. I can not seem to get a response on this, and I am paying unnecessary PMI rates on an LTV that is lower that was is required by investors and my closing paperwork. My intention is to refinance with a HARP loan once my PMI has dropped as I am currently paying 6.5 % in interest. This delay is costing me money. Additionally, when I called on XXXX/XXXX/2016 I found out my account showed I was late in my payment. DiTech takes bi-weekly payments directly from my checking account, but apparently due to a system upgrade my payment was applied to principle. I received no notification of this late status, and there was no review of payments to determine if the system had incorrectly allocated funds. When speaking with XXXX, she knew the issue right away, which tells me this was a known issue that DiTech took no proactive stance in correcting. XXXX also advised I monitor my account for the next couple of payments to ensure DiTech did n't make the same mistake again.
09/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 470XX	Web
We had flood insurance placed on my property in 2013. Unfortunately this coincided with a job loss that was the main source of income, so we had to save money in order to have a new survey. That was done and submitted ... and then we needed an elevation certificate. That was done and submitted. Then we were told that we had to submit paperwork to XXXX for a XXXX. That was done. With the lowering of our income, this took some time. We were assured that the premiums would be returned in full once we had the XXXX. We never missed a payment, even though the " escrow shortage '' grew and grew, with the added monthly flood insurance premium, the shortage that was created by the initial premium, and the " cushion '' ( XXXX of the total, or there about ). Finally, all the paperwork has been submitted, we are no longer required to have flood insurance ... and we ca n't get our money refunded. The company ( according to their automated phone system and our account profile on their website ) made a " payment '' on our loan in the amount of the first year 's premium. Except not really. I was told it was n't a " payment payment ''. I was told this after 20 minutes of listening to " XXXX '' sigh and click and mutter while he tried to figure out what happened..and then was completely rude. My monthly escrow still reflects the flood insurance. My payment is still more than {$100.00} over what it should be, but that " should be corrected in XXXX ''. I understand that many other customers went through worse scenerios, even into foreclosure ... but this company is making so much money with these smaller situations : excess cushions, " shortages '' that they ca n't even explain, delays in escrow adjustments. All that money they collect just disappears. They could n't even explain their own escrow analysis. I was a loan closer in the XXXX 's, before everything went crazy, and we were required to document every penny in and out of escrow. The regulations have to be stricter now, do n't they? How can this company still be allowed to buy loans? Because I was not a willing customer Their client base is given to them, without our ability to vet them.
04/27/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 300XX	Web
On XX/XX/XXXX i received a letter from my second mortgage company, GREENTREE, that i had been approved on my Home Equity account for a FULL PRINCIPLE FORGIVENESS due to a settlement w XXXX XXXX XXXX and the Department of Justice. the letter went on to state " You do not need to take any further action to accept this offer. Your Home Equity account balance will " AUTOMATICALLY '' be forgiven UNLESS you call us. ( My Bankruptcy atty had been CC 'd on the letter but was never mentioned in the letter. My bankruptcy had been discharged XX/XX/XXXX .i understand i was no longer responsible personally for the debt, but this letter released the property as security for this loan. i still own this property and the first has continued to be current ) on XX/XX/XXXX i received a letter from XXXX XXXX XXXX that Ditech ( formerly Greentree ) had transferred the right to collect payments from me to XXXX XXXX XXXX ... The amount that they intend to collect is {$40000.00} the letter said to send a letter if you dispute the debt which i did. i called and spoke w XXXX XXXX and once again disputed the debt. He gave me his email sent an email XXXX so i sent another correspondence. i was afraid they might start foreclosure proceedings and i am a well known realtor in my community and the thought of reliving my name in the paper kept me up many many nights!!! i am proud to say i have been reestablishing credit. On XX/XX/XXXX i received another letter from XXXX XXXX XXXX that Greentree told them my attorney XXXX XXXX sent the extinguishment letter BACK and therefor the EXTINGUISHMENT WAS NOT PROCESSED!!! ( on the date of this letter the Bankruptcy had been discharged so he was no longer my attorney ... ) Greentree did not have the authority to process or not process the extinguishment. This was decided in a class action lawsuit with the DEPARTMENT OF JUSTICE! The Security Deed should have been cancelled! it has been 3 YEARS that Greentree did not abide by the ruling. i am not an attorney but it is definitely a violation of federal collection laws. i have all documentation that i will gladly send ... any assistance will be greatly appreciated!!!
12/09/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	AZ 85282	Web
My daughter passed away on XX/XX/XXXX ; as a result, we needed to refinance the mortgage of our second home ( she was on the title ). Upon refinance, Ditech issued 2 checks and sent them to the property address ( renters were living in that residence and they did not provide us with the checks in a timely manner ). The 2 checks totaled {$3400.00} ( 1 check for {$1100.00} was an escrow refund and the other check in the amount of {$2200.00} was disbursed from a suspense account ). We did not receive the checks until roughly a year later when tenants vacated the property that was refinanced. I have contacted Ditech a total of 9 times as detailed below : XX/XX/XXXX - spoke with XXXX ( employee # XXXX ) - she said they would reissue the checks in XXXX 's name and we never received them ; XX/XX/XXXX - Spoke with XXXX XXXX - he indicated that I had to supply them with a death certificate, which I did ; XX/XX/XXXX - Spoke with XXXX in the XXXX, AZ, extension XXXX, and she told she was putting in the check re-issue request ; XX/XX/XXXX - Spoke with XXXX and she indicated that they needed to ensure the checks hadn't cleared - it would take 24 to 48 hours - she would follow up and let me know if things were moving forward - I never heard anything. XX/XX/XXXX - Spoke with XXXX and got the same stories ; asked to speak to a supervisor ( XXXX XXXX at extension XXXX ) and I was assured a call back once they had confirmed the checks had cleared ... I never heard back. XX/XX/XXXX - Spoke with XXXX and was given the same information that I received on XX/XX/XXXX - was told that while the request was initiated, it was submitted. I was assured that the checks would be reissued once the request was submitted ( XXXX said she submitted while we were on the phone ). XX/XX/XXXX - did not get the name of the individual I spoke with ( accent was too thick to understand ) - was told that the request was " in process '' XX/XX/XXXX - spoke with XXXX ( Employee ID # XXXX ) - was told that they would reissue the checks once confirmed that they had not been cashed. I have called this organization 9 different times and keep getting the runaround.
10/23/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27591	Web
In XXXX of XXXX, Ditech made an error and suddenly added escrow to my mortgage. I have had this mortgage for close to 12 years and have never escrowed my taxes or insurance and have always paid them independent of my mortgage. Ditech continued to charge me late fees and penalties for said escrow error they imposed on my account-additionally, they reported me to the credit bureau as having late mortgage payments which caused my credit score to drop and began sending me letters regarding financial hardship. I made a call to Ditech after finally realizing the error they made and that they were not taking initiative to remedy it on XXXX XXXX, XXXX and spoke to " XXXX ''. She stated she saw where they made the error and would send a code to have it taken care of. I followed up with a detailed letter on XXXX XXXX, XXXX, which I faxed to Ditech 's customer service department. I had also been filling out customer service requests and reporting the error through their website. I did not receive a response to any of my complaints or requests to be contacted. I have had to call Ditech multiple times to simply get them to remove the escrow and late fees as well as negative credit reporting. On one occasion, I called and spoke to a manager, XXXX, who assured me they had taken care of the problem and great news that I had overpaid and would be soon getting back a refund. Upon receiving the refund, I was then told that there was now a back due escrow balance for the same amount they refunded me! As of today, XXXX XXXX, XXXX, they have still not resolved the problem after telling me it was resolved. They are now holding my mortgage payments in " Funds in Suspense '' and not applying them to my mortgage and reporting that I have not paid for the months of XXXX and XXXX I feel that I should not have to fight for months to get an error caused by the mortgage company resolved. They continue making error after error and are causing me a lot of stress and time in having to constantly check behind everything they do. I wonder if anyone else has had the same issue and what benefit would it have for the mortgage company to do this?
08/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70769	Web
In XX/XX/XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, Ditech decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust Ditech. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to Ditech in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now Ditech is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of Ditech 's incompetence. Or are they just being vile? Ditech has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.
09/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 53083	Web
Our mortgage was sold by XXXX to Ditech around XX/XX/2015. XXXX had paid or annual taxes from our escrow account prior to it being sold. Ditech then also paid our taxes for the year resulting in a double payment. We received a refund check from our taxes being overpaid by the county and were confused. When we called XXXX to inquire, they informed us that our mortgage had been sold. We had no idea. There was absolutely no communication on XXXX or Ditech 's behalf of this move. We then called ditech to see let what was going on. They said to send them back the check, which we did. They then proceeded to charge us twice the amount for our escrow the following month. Our mortgage payment was on auto-deducted out of our account. In effect, our mortgage payment was almost {$600.00} more than usual. We, of course, were expecting our regular mortgage payment to be deducted from our account and were not prepared for an extra {$600.00} coming out which resulted in overdrafts and fees. We immediately called ditech to fix the situation. They said it would be fixed in 8 days. 5 months later it has still not been resolved or fixed. They keep billing us {$600.00} over our regular mortgage payment and refuse to fix the situation. We have called repeatedly, had to explain things to each new person over and over. No one will actually help us. They keep telling us it should be resolved in 8 days but when we call to follow up it is never fixed. Throughout this process we have been paying our regular mortgage payment because we have no idea what else to do. They are now treating us as if it is our mistake and sending us 'loss mitigation ' letters, putting notices of non-payment on our door and acting as if we are delinquent on our mortgage payments. We do n't think they have officially reported us to the credit bureau but we are concerned that they will. We have pursued a lawyer 's help but would rather not go through the hassle and expense. We are at our wit 's end. We have tried to refinance with another bank but since our mortgage is less than 2 years old we have little equity. We have also requested to handle our own escrow account.
09/24/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33177	Web
I have been given the runaround since XX/XX/XXXX by Ditech Financial in an attempt to cash an escrow check due to a recent payoff that was issued in my deceased mother 's name since she was the borrower on the account. My sister and I were added to this property via deed back in XXXX and when my mother passed in XXXX of XXXX, I was handling all affairs on loan. I never went through probate because my sister and I were added onto the deed with our mother. I initially called Ditech on XX/XX/XXXX and spoke with Customer Service explaining the escrow situation because my brother was in the process of refinancing our mother 's property. We were already given the payoff date of XX/XX/XXXX. I explained that the escrow check being issued under my late mother 's name would be a problem. The Customer Service agent explained that I would need to fax a copy of the death certificate and warranty deed to confirm ownership of the property. On XX/XX/XXXX I faxed copies of the death certificate and warranty deed along with my request on the fax cover sheet. Please see attached proof of fax. My second attempt was made on XX/XX/XXXX when I sent an email submitting the documents again and explaining my request in detail and on XX/XX/XXXX a generic response was sent from Ditech that my request is being reviewed. On XX/XX/XXXX Ditech responded to my request asking for a copy of the death certificate and legal documentation confirming right of ownership. I had already sent in the death certificate and warranty deed two separate times XXXX XX/XX/XXXX and XX/XX/XXXX ). My third attempt was made on XX/XX/XXXX when I sent yet another email explaining my request and resubmitting the documents requested along with a copy of the escrow check that was issued to my deceased mother. I have yet to hear a response back from Ditech. I now have an escrow check that I am unable to cash because it was issued to my deceased mother. Please I am asking for assistance in this matter. Ditech needs to issue the check to either myself or to myself and my sister as I have submitted proof several times that we were added to our mother 's deed.
06/30/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	MO 631XX	Web
I filed bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. Prior to filing, I received numerous letters in the mail from Ditech stating that I could have XXXX-XXXX applied toward my loan or some other option. In XX/XX/XXXX, I had my hazard insurance reduced as I had lost my car/home discount and it was just too much. I notified Ditech of the reduction and said to reanalyze escrow to reflect new amount. They said they would,. I was NEVER late with a payment before or after my bankruptcy. It took them until XX/XX/XXXX to redo my escrow amount and then did not apply that amount until XX/XX/XXXX -- -- making me " appear '' as if I was not making the full payment on my monthly mortgage. I called numerous times and it was only today, XX/XX/XXXX that I learned that will not reanalyze escrow during a bankruptcy. THAT IS RIDICULOUS-Then they told me that they have been applying my paymnets made to the previous month because there was a " shortage '' which again is ludicrous! But if not for the fact that they waited 6 entire months to adjust the 2 refunds I sent them to be applied to my escrow account, none of this would be happening! I 've spent HOURS on the phone with Ditech with them giving me one excuse after another and NEVER truly trying to resolve this. Every other month, I get mail from them informing me that I still owe them anywhere from XXXX-XXXX dollars from monies they are trying to extort from me, from THEM not doing their job in a timely manner and penalizing me, in indirect, nondescript ways for filing bankruptcy! If anyone owes anyone, Ditech owes me-Not only for their erroneous business practices, but for emotional and financial strain and trauma. They also denied a different type of modification for me to comfortably afford my mortgage, due to the bankruptcy and said I did n't " qualify '' even though my mother passed away and my income from both her and my employer decreased substantially! They also LOCKED ME OUT of online access to my account to make payments for free and only allowed me limited access!!! Then I find out today that I was totally locked out! THAT makes no sense, whatsoever!!!!!
07/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 320XX	Web
My mortgage was sold to Greentree servicing. Due to medical issues, I fell XXXX month behind on my mortgage. I spoke with someone at greentree and told them I was planning to pay extra every month to catch up. I then became only XXXX behind. I then was put into foreclosure ... for being XXXX behind. I called greentree, they told me they mailed me a letter telling me to be current by a specific date. I never got this letter. They then stopped accepting payments from me, and told me I had to make pay all past due amounts at once. This included a check they cashed but put into holding, but did not reduce the amount I owed. It took a few months ( XXXX ) to get them to come up with the right amount that included that cashed check. I then attemped to pay the amount past due in total. I was informed that they sent an email to legal and had to wait for a response before they could accept payment in full. ( due to the foreclosure fees they needed to get info on ) I was constantly told to call back the next day, I did, eventually they began saying call back in a week, I did.. then it became nothing by being sent to voicemail and no one returning my calls. This occurred for a full year. I was then massively behind. At my wits end and months away from being kicked out of my home, I contacted XXXX. Only then did greentree talk to me about my mortgage again. They told me I only had XXXX option in the modification that extended my loan from XXXX more years, to XXXXXXXX XXXX! They then tacked on over {$10000.00} to my principle balance.. They claimed this was a charge for " capitol '' I now owe MORE on my mortgage than when I bought my home in XX/XX/XXXX. I contacted greentree to find out what this " capital '' was and they will only give the answer " Its just capitol on the mortgage '' That is not an answer. Bottom line, is that I had to modify a mortgage due to their negligence, and they get to add XXXX XXXX dollars to my principle balance. Contacting them has not gotten anything resolved. They went from being harassing and threatening me, to avoiding and causing extreme financial issues that could of been completely avoided.
11/22/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TN 376XX	Web
I am in the process of selling my home and have moved the closing date twice due to Ditech not having the title on my home. I have a little over XXXX acres and a doublewide and they are showing it as real property and have a deed of trust. The title company attempting to handle the purchase for the buyers and myself have attempted to speak with someone from Ditech since XXXX to explain the situation but they will not let us past customer service. They keep saying they will do a work order and send it in but when I call back as they will not return calls I am informed there is nothing they can do as they are not required to have a title. Here is the background. We purchased the doublewide and had it set up on property we also purchased and done the mortgage through XXXX who went out of business. XXXX XXXX XXXX took over the loans to my understanding. At a later date, Green Tree purchased my loan from XXXX XXXX XXXX and Green Tree later changed its name to Ditech. The title never exchanged hands from XXXX apparently as when I called XXXX XXXX XXXX they stated that they also showed the home as having a deed of trust as Ditech does. The XXXX company however has found an active title on file in the state of TN and it has XXXX listed as lienholder. I went to my local county clerk 's office and they were able to pull it up and show it to me with no problem so the title company is correct. Now the problem is, I 'm blocked from apparently selling my home because my current lender ( Ditech ) refuses to accept the fact that there is a title out there and all that is needed is for them to simply apply for and {$11.00} duplicate title!! Customer Service is not allowed to transfer calls to anyone we can explain this to that will understand what we are talking about. Even if I was to keep the home and pay it off I would not own it without the title!! I am about to loose the sell of my home over a senseless disrespect of customer service and {$11.00}. Please help ... Ditech is treating their customers wrong by not answering questions correcting, returning phone calls, nor assisting in matters that are their responsibilities.
11/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 707XX	Web
Living in the area of XXXX that flooded, our home took on over 3 feet of water. We lost everything as we also had sewage backup into the house. Due to the large amount of devastation in our area and the fact that we had to vacate the home it took awhile to get our insurance company to inspect the damage. Once we received a check from them we sent the check to Ditech our Mortgage company. Since we are capable of doing the repairs ourselves we asked them to return the overage of approximately {$35000.00} to us. They received the check ( overnight mail ) on XX/XX/XXXX with a letter asking for them to pay off the account. I was told on one of the calls that it would take about XXXX working days for this to be done. As of today, 3 weeks later, nothing has been done with the check. I have called numerous times and each time I am given the run around with no real resolution although the people I talk to want to assure me they are doing the best they can. Today I was told the pay off check will be mailed from XXXX to their pay off center in XXXX. tomorrow. Why was n't this done 3 weeks ago? If it takes them another 30 days to release funds to us ( which they inform us is possible ) that means we will be out of our home for over 4 months before we can begin repairs so that we can even move back in. The least I expect out of any company is to meet the needs of the customers especially in situations such as what the majority of our neighbors are dealing with. The fact that they have had the check for 3 weeks and nothing has moved forward with it is beyond excuse! We are in great need of a quicker resolution which Ditech does not seem to understand the urgency of our situation. We currently have XXXX people, XXXX adults and XXXX children living in a XXXX bedroom, XXXX bath apartment as this was the only living situation we could find. We would greatly appreciate help in getting a quicker resolution to this. Ditech being very vague in giving us a time frame of anything less then 30 days is not helping the mental frame of XXXX lives. If you need more information I will gladly assist. XXXX and XXXX XXXX, XXXX XXXX XXXX
04/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07065	Web	Older American
I am a XXXX year old female who bought my home in New Jersey XXXX years ago. Up until approximately XXXX months ago I was paying my taxes to the city. I did not want an escrow account. My mortgage and my property taxes were never late until my mortgage was bought out by another company. I went to the tax office to pay my quarterly taxes and they said that they had already paid them., to my surprise ... They told me the new mortgage company paid the quarter in full. I called them and they said that I must have an escrow account. They did not give me a choice. This is their rules, like it or not. Prior to this they never contacted me about such a change. Now my mortgage went from {$580.00} to {$1500.00}. My taxes for 2015 are {$9400.00} a year. My payment now went up {$940.00} instantly. I tried to explain my situation to them, that I get social security and a pension check monthly totaling {$1700.00} monthly. I also have XXXX part time jobs that pay $ XXXX.per month and the other {$1000.00} per month. When its all said and done I have {$1500.00} per month to pay all my house bills, food, car expense, insurances. You know that its not enough. At this point, I 'm looking for another job. After doing some research, I found out that if your home has 20 % or more equity into the home you own, it is against the law in New Jersey to force an escrow account on somebody. Also XXXX years ago, at the time of my closing, they asked me if I wanted an escrow account or wanted to pay my taxes on my own. I opted to pay directly to the tax office. In the state of New Jersey it is against the law to change it on me without my permission. I feel that I have been bullied into this. My credit score before this happened was over XXXX points. I 'm now afraid to look to see what it is now. Because I have other medical and dental bills I am paying off. I am very short on money. In the last 5 years I had to take a loan out for {$15000.00} for dental bills. I have since put my home up for sale because of this. What do you think I can do. These people said that if I do n't pay this bill, I will go into foreclosure. What can I do?
06/23/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	NC 28786	Web
mortgage was last made a payment in XX/XX/XXXX to XXXX. Apparently, XXXX submitted a satisfactory paper work while we were settling the account in XX/XX/XXXX. Greentree aka ditech bought the account in XX/XX/XXXX. The company states that we have not paid the amount and that it was in XX/XX/XXXX that we last paid. Incorrect. the payment that they say they have received was actually when XXXX was in a class action law suit to return unfair fees to consumers ( this is what i 'm thinking it was, regardless, I never made a payment, I never asked to be part of a lawsuit, nothing. ) We 've disputed it multiple times as well as sent in the proof to credit agencies that we have satisfied this mortgage, but yet greentree aka ditech is harassing us. They call at least 20-50 times a day, they 've destroyed my credit, and have came to our home to harass us. They call our home and curse at us, even contacting us after we had representation from an attorney. Our attorney states that we do not owe them anything and that they ca n't pursue us legally. It even states on the XXXX letters they mail us that they ca n't legally pursue this matter. I need them removed from my credit. I need them to stop harassing me. They have altered the dates on my credit file to make it appear that I have defaulted payments which has not been the case. The last dispute these people lowered the amount by XXXX and they were allowed to stay on my credit. I feel unsafe and uneasy to leave my family due to the harassment via phone ( violent, nasty verbal threats ) and in person communication ( showing up at my home unannounced in a home ). I have attempted to be civil and work with the company. I have mailed them all the documentation. My attorney mailed them documentation, they refused to comply and refused to negotiate or listen. Unfortunately, they are fraudulently reporting and committing an illegal act with their actions. I insist that this be removed from all three of my credit scores. They went over 3 years without reporting on the report and suddenly showed up in XX/XX/XXXX. This is unfair and not legal. Please help me and my family.
03/15/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 633XX	Web
I accidentally made a partial payment of {$410.00} on XX/XX/2017 that was supposed to be applied for XX/XX/2017 mortgage. My typical mortgage amount is $ XXXX/month so I still owed {$380.00} for XXXX. When I was notified that I made this error, I immediately made the payment of {$380.00} on XX/XX/2017 to satisfy the remainder of XXXX 's mortgage. However, the mortgage company applied the {$380.00} to XXXX. I made a payment of {$810.00} on XX/XX/2017 for XXXX 's mortgage and the lender applied this amount to XXXX. Therefore, they have the {$380.00} on " hold '' and are showing we still owe a full balance of {$800.00} for XXXX. I initially called on XXXX/XXXX/17 ( spoke to XXXX ) and they assured me that the {$380.00} would be re-allocated to satisfy XXXX 's payment and that the {$810.00} would be reallocated for XXXX 's payment so that I 'd be all paid up until XX/XX/2017. The re-allocation was to be complete by XX/XX/2017. On XX/XX/2017 I called again ( spoke to XXXX ) and was assured they were still working on the re-allocation and that it would be complete and my account would show no payment due until XX/XX/2017 for {$800.00} and that this process would be finished by XX/XX/2017. On XX/XX/2017, the account still showed we owed money so I called the lender again ( spoke to XXXX ) and was told that the re-allocation was completed, but that the system had n't updated and that a supervisor would update the system to show our account was caught up and that this would be completed by XX/XX/2017. This morning ( XX/XX/2017 ), the account still was n't updated so I called and was told by XXXX that the reallocation had NOT completed and that they were just " running behind. '' I explained this is not what I was told two days ago and asked for a supervisor. She said no supervisor was available and that they 'd call me back within up to 48 hours. I am getting the run around, it 's mid-month already, I 'm worried about late fees/hits to my credit and I do n't want my account to show as delinquent when it 's NOT delinquent, the lender allocated the funds incorrectly and they need to correct this immediately.
08/08/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30135	Web
I just purchased my home XX/XX/2019, and to my knowledge my first payment was due XX/XX/2019. Before XX/XX/XXXXI received a letter in the Mail from Ditech stating they were my new servicer. I called XX/XX/2019 to gain clarity on whether I needed to pay the previous servicer or Ditech. The representative from Ditech informed me on a recorded line that I did not have to pay the previous servicer, she assured me my first payment would be due on XX/XX/2019 and it would be made directly to Ditech. Any payments I wished to make prior would go towards interest and they weren't required. I spoke with her atleast 15 minutes gaining assurance, with my wife as a witness. I also asked her what happens to the XX/XX/XXXX payment, and she assured me there was no payment with Ditech or with the previous servicer to be made. Later, I received mail from my previous servicer stating the payment was in fact due and I had to pay them directly. I gave Ditech a call XX/XX/2019 and I spoke with the supervisor concerning what I was advised. She listened to the recordings from the previous representatives and I, she too agreed I was given wrong/misleading information. She stated she did not have authority to give me a credit, grace period to pay Ditech or anything of that nature. All she could do was discipline the worker. Her solution did not have the fact that I was lied to and now things were completely out of order. I requested to file a complain with corporate, the supervisor filed it and gave me the ref. # XXXX. She said I can call anytime to find out the status, otherwise I would be updated from them. Today, XX/XX/2019, my wife XXXX XXXX gave Ditech a call regarding a follow up/status on the complaint. Based on what the representative stated, she didn't see anything directly from corporate regarding a response, but her supervisor informed her we could not skip a payment or push it to the end of the loan. The representative also said we'd have to send in a statement asking if corporate sent correspondence in. We weren't informed that this is how Ditech processes complaints, so here we are looking for a solution.
06/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 283XX	Web
I was with a Mortgage company for some years. My mortgage was brought or giving to my previous MTG company. I was behind often and I would ask for waivers, or if they could refinance my MTG but they always told me that they couldnt because my MTG was like a car loan so they could not do it. They always threaten to come get my double wide and I always said, how are yall going to do that because my land was finance with my house. I would tell them that I never had any trouble getting my payment waiver with the company that had my MTG before they had it. So finally they had me to write them and tell them my situation and why I could not make my payments because they where suppose to refinance it but, they said they couldnt. So I talked to my bank about refinancing for me. When I had to call the previous MTG company about the title it was to my surprise, they told me that they didnt have it. I called everyday to speak to someone different and there answer was the same. Doing that same time I went to the court house to check on the title and when i did that i saw the original MTG company as the owner on the deed. I even checked with DMV because they said it was like a car loan. I called around to attorneys and asked questions but none of them gave me any value information. I also looked online for information but nothing was clear to me as far as this being right. I also wrote the attorney general. They didnt receive any thing from them either but after the MTG was refin they sent them a letter and told them they didnt have the MTG any more. There name was never on the MTG, they didnt even own it and they knew it but they kept collecting my money every month. When I went to the closing I was told by the attorney there that they had to do a lose title because the MTG company didnt have one. I didnt know about a 3 day cancellation because the attorney didnt give me any paper work until they recorded it at the tax office. When looked it up the next week the new MTG company was on the deed. I just think this was wrong and I dont think they should been able to sell something they didnt have ownership to.
01/19/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84128	Web
Our home was sold to the mortgage company Ditech. Right from the start we had problem with them, trying to set up automatic payments or even making a payment at all, but the real problems started when we sold our home. We were told when we closed on our home to expect a escrow refund check within 20 days of closing. Several days past the 20 day mark we still did not have a check. We called in and they told us to wait till next week. We finally got our check and put it in the bank. Our bank later called to let us know that Ditech cancelled the check and they had to charge us a fee. We called Ditech who told us that they would re-issue a check and to expect it by XXXX XXXX. XXXX XXXX came and still no check. We called in again and the person we talked to stated there was never a check re issued. We were told we needed to prove that the check was cancelled and to send them a copy of our bank statement showing the cancelled check. She said that once we sent that in they would be able to direct deposit the money back in and we would hear within 24 hrs on the status of our refund. 3 days went by and we still had not heard anything. We called in again, this time the representative informed us that they do not do direct deposits and that they would have to re issue the check and send it in the mail but that they would need to get back to us and they should know something within 24 hrs. We still did not hear from them. We called in again and Each and every time we call in we have to speak to a new person and try and explain the situation, and each and every time we are told conflicting information which always gets us no where and ends with " we will get back to you in 24 hrs '' to which of course we never hear anything. We have spoken to probably 7 different people all promising to get back to us and have never received a phone call or any information back. This is over {$3000.00} of our money that was supposed to be given to us 2 months ago. This is beyond frustrating and we are not sure what else to do to get our money that we need to put down on our next home. It has now been 3 months since closing.
04/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 130XX	Web
Green Tree Servicing acquired our mortgage from XXXX in early XXXX, 2015. I paid off the mortgage on XXXX XXXX, 2015 via certified check. Green Tree Serving acknowledges that it was paid in full and advised that they prepared a Satisfaction of Mortgage in XXXX and forwarded it electronically to the XXXX County Clerk 's Office. I inquired with them and they advised that it was not received. I reported this to Green Tree and they advised that they sent it again in XXXX. I inquired with the County Clerk on XXXX XXXX and was advised that it still had not been received. I contacted Green Tree daily from XXXX XXXX to XXXX XXXX via telephone and fax and received a different explanation for what was going on each time I called. On XXXX XXXX, I spoke to XXXX at extension XXXX and he advised that he would look into it and return my call by XXXX, XXXX XXXX. On XXXX XXXX XXXX, I called and was told that XXXX was unavailable but the " notes '' on my loan indicated that he sent the satisfaction for filing that day. On XXXX XXXX, I called the County Clerk 's Office and was told there was still no Satisfaction on file. I called again on XXXX XXXX, and I asked to speak to a supervisor but was transferred to the same " XXXX at XXXX '' and I had to leave yet another voice mail. I called back after I left the voice mail and this time I was advised that it was sent out electronically on XXXX XXXX. I called the County Clerk on the morning of the XXXX and was told that it still had not been received electronically as Green Tree indicated. XXXX XXXX XXXX advises that when documents are received electronically, they are filed immediately. On XXXX XXXX, I called Green Tree again and was told that they would " submit a request '' for me and that someone would call me back. I explained that when I called on XXXX XXXX and spoke to XXXX, he said he would call me back and I still have not received a call or an actual explanation as to what the problem is. The customer service rep transferred me to XXXX again, so I left another voice mail. This is completely insane. They have 30 days to file my satisfaction, not three months.
09/21/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CO 814XX	Web	Older American
On XX/XX/XXXX we secured aHome Equity Line of Credit in the amount of {$46000.00} from XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX, IN, XXXX no where on the Deed of Trust was there any mention of the interest I was to pay or the amount of number of payments that were to be paid. I paid on this loan every month from XX/XX/XXXX until XX/XX/XXXX. Thatnwas thelast payment I made bcause every month the amount on the statement never changed. After all of this time seeing that I was making no progress on the original loan amount owed, I just quit making payments. That was not the right thing to do but I had a feeling there was something wrong but I had no idea what to do. At some point shortly after, the loan was bought by ditech Financial LLC, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX. From the time I received this loan, every statement I received was for the same amount of {$46000.00}. Not once did the amount I paid was reflected on the statement. Even when ditech took it over. I made 48 months of $ XXXX@ 15.658 %. None of this was stated in the original loan papers that I have. What got me wondering is that I received a letter dated XX/XX/XXXX informing me that if I felt that this account has been collected unfairly that I should notify their complaint department. On around XX/XX/XXXX I received a billing statement dated XXXX XXXX stating my next payment due date was XX/XX/XXXX but I have not received anything else from them since. Today, XXXX XXXX I contacted ditech 's complaint department to discuss this with them. The agent I spoke with so rude and defensive. He told me that he would not send me any information about the original loan contract or the list of payments that I had made unless I agreed to pay off this loan in full.He toldme there were 1000 pages of documents concerning this loan. I am enclosing the paper work that I do have regarding the loan and the 2 documents that I received in XX/XX/XXXX. I hope you can please help me find out if this was a fraudulant loan or at least get me the documents that I requested. And find out exactly what happened. Thank you
02/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60453	Web
To make a long story short, I was notified in XX/XX/XXXX that my mortgage company was paying the wrong PIN # out of my escrow for property taxes since XX/XX/XXXX. I first found out from a neighbor in my condo complex as her taxes were paid and she had not yet made a payment. I then was notified by the County that I may be eligible for a reimbursement due to me paying someone else 's taxes. After further investigation, it was determined that my taxes were not paid for an entire year and I had a lien. This has since been resolved by my mortgage company, but it was resolved with my money in my escrow. I have sent in two formal complaint letters to my mortgage company trying to understand the issue. I have also requested documentation proving what all my escrow disbursements since XX/XX/XXXX have paid. My first written dispute was sent on XXXX XXXX, XXXX. I received a resolution letter on XXXX XXXX, XXXX, however, it did not address ANY of my concerns or disputes nor did I get any of the documentation I requested. So, I sent in another written dispute letter on XXXX XXXX, XXXX addressing the same concerns I had back in XXXX. I have received a couple acknowledgement letters since XXXX XXXX, XXXX, but it is now XXXX XXXX, XXXX which is 124 days since my formal written dispute and I have not received a resolution. I have not received one letter, one email, or one phone call to at least try to address my issue. I work for a Financial Institution, and in fact I manage the area of the Bank that handles all the Consumer Loan error resolution inquires and complaints. I have a pretty good understanding of what regulates the consumer rights when it comes to Real Estate Secured consumer loans ( especially since XXXX XXXX ). There could be no issue with the way my mortgage company processed my tax payments since XX/XX/XXXX, but due to the lack of addressing my concerns, my complaints, and my disputes I feel as I am not being treated fairly as a consumer and should not have to wait this long to hear some sort of resolution. I have plenty of documentation to display my current efforts with my mortgage company.
08/29/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MO 63017	Web
This is a new complaint but it follows my last one which was : XXXX. After my last complaint that the bank was foreclosing because I did not sign the appropriate papers. I am pleading with you for help. The following are my issues : 1. DITCH Foreclosed again! 2. Although the bank did respond to you, I did not get anything from the bank until after the foreclosure on Monday, XX/XX/XXXX. 3. The Atty General 's office of Missouri wrote a letter to the bank and asked the bank to postpone the foreclosure so I can reapply for loan modification. 4. I reapplied and I also set in the original paperwork. 5.The bank sent an e- mail to the atty general 's office on XX/XX/XXXX that they are requesting a postponement and will get back to him. 6. I called the bank onXX/XX/XXXX and asked if they got everything i sent in as far as the original papers and the loan modification papers. 7. The bank told me on XX/XX/XXXX that they got my papers and everything is ok and I am being put back on the same mortgage payments as before. I asked them if I will get that in writing and they said " sure '' in the near future. 8. I am in Chapter XXXX and my attorney took the house out of the plan while I was in loam modification. I was paying my mortgage every month without any problem. My attorney told me that if I am having a problem with the bank and the foreclosure he can put my house back on and I will be protected from foreclosure. 9. He did n't do it bec the atty general 's office told me that everything seemed like ok and it looks like its being postponed and if they hear anything they 'll let me know. 10. And the bank told me I was ok and no foreclosure. SO my atty did not file to put the house in my bankruptcy which would have protected me if I knew they made a decision. 11. I also was n't able to go to the auction which i understood i could have bec i did n't know it was still on. 12. The Bank did n't tell me or the atty general 's office what they decided until after they sold my house and THAT IS NOT RIGHT! I could have taken care of things. AND the bank told me they are not doing it. PLEASE HELP ME!
10/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 06905	Web
In XXXX, 2016, my mortgage was purchased by Ditech, LLC from XXXX XXXX XXXX. At the time Ditech purchased my loan, I was in the process of a loan modification with XXXX where I was in the midst of my three trial payments prior to the modification being finalized. Since Ditech has resumed responsibility for this loan, I have incurred numerous additional fees to my account due to their delay in processing my modification documents. Every time I contact customer service, I get a different answer from a different representative. It is beyond frustrated. I completed the modification tiral payments in XXXX, 2016, and continue to fight with Ditech for an accurate, final monthly payment. While Ditech has taken it 's time to finalize my load modification, my credit continues to suffer as Ditech is reporting my load delinquent. I have made attempts to make payments, and each time I call, I am told a different amount is due as a result of numerous errors, and delays on Ditech 's behalf. I have spent hours, upon hours on hold, only to be told to wait another 3-5 days for an issue to be resolved, only to contacthem them back and be faced with another obstacle. This company has deplorable customer service and lacks accountablity. I have done and provided everything this company has asked of me since they resumed my mortgage, however, I as the consumer have continued to suffer deleterious monetary and credit rating decreases due to this company 's negligence. It is XX/XX/2016, seven months since Ditech has been my mortgage lender and their continues to be issues after with my monthly payment amount. I have never experienced such subpar service from a financial institution.This company needs to be thoroughly investigated by the CFPB as they are grossly negligent in the way they process loans and modifications,, payment calculations, they do nothing timely, and I am sure they are out of federally regulated time frames, and other mortgage service obligations. Their customer service is extremely inept and promotes XXXX and frustration amongst borrowers that are trying to do the right thing to keep their homes.
10/09/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	OR 97754	Web
We have our house under contract to sell with a closing date of XXXX/XXXX/2015 and have been attempting to get a payoff from Greentree/Ditech since XXXX/XXXX/15. Through multiple emails and daily phone calls from the title company and ourselves, we can not get any resolution. Despite having names and employee ID numbers, when we reference these that person is always " not in this department '' or is unavailable. We were told on on XXXX/XXXX/15 that we would have a payoff no later that XXXX/XXXX/15. When the payoff did not arrive, we were told that we had never been told that, and in fact they had not had any prior conversation with us. We asked for them to pull up the copies of the recorded conversations, ( per their own statement before you talk to someone that all calls are recorded ) and not surprisingly, they do n't have access to them and they are only kept for a couple of days. Today 's story from Greentree/Ditech when we called them went as follows : " The request has been sent to the regional office and we are waiting for it to come back. ". The representative for Greentree/Ditech went on to say that they can not check on the status of the payoff at the regional office because they have no way to communicate with them. They have hundreds of regional offices and no way to call or email them. Sounds like nothing but avoiding to provide us with a payoff. Our mortgage is and has been current with them despite what feel like their attempts to have it in default. Amazingly they never putting the amount of payment due on the statement, if one comes at all. Previously when we foolishly mailed payments they were inevitably " misplaced '' and not posted right away which we learned very quickly so we then paid it over the phone with their company and happily paid a {$12.00} fee to know our payment would be posted immediately. Since then we have had it processed through our bank 's bill pay and have not had any posting problems. At this point we are having to pay {$880.00} to extend our buyers lock to hopefully not lose the deal over their refusal to furnish us with a payoff on our home.
03/28/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21740	Web
I put my home for sale XX/XX/XXXX ... dropped the price multiple times with no buyers. In XXXX of XXXX we started the short sale process with Ditech, with a qualified buyer. Since then it has been an endless cycle of submit paperwork ( tax returns, paystubs, any revenue streams, hardship letter, etc. ), they hold it for so long ( about two weeks ) and then they want more recent info. I submit the updated info over and over, then they ask for something else but it is always the same results, like this is some sort of game. In XX/XX/XXXX, they claimed I asked for a modification ( not a short sale ), but that I was denied. I NEVER asked for that (? ), my taxes went from $ XXXX to $ XXXX in XXXX years and I knew that I couldn't afford to reside there anymore. They then admitted it had been a mistake in their system, so we began the paperwork merry go round again. My real estate agent suggested a lawyer may help speed the process, because by now several months had gone by again, so I hired one in XXXX. Same thing, they asked for a current P & L statement, and other information, which was already provided to them several times prior. So once again, I provided all info in a timely fashion. Summary : They ( Ditech ) have all the information regarding my P & Ls, from XX/XX/XXXX through XX/XX/XXXX, held it for two weeks, and now demand a quarterly statement of XX/XX/XXXX through XX/XX/XXXX. ( There is definitely a pattern here as you can see ) So another delay and change up tactic by Ditech, since they already have the pertinent information that they have requested. I have yet to be formally notified of the sheriff 's sale, I only know because my lawyer told me. Aren't they required to notify me by certified mail? According to my lawyer, they refuse to stop the sheriff 's sale while they consider the short sale, even though this has been held up by them since its inception in XX/XX/XXXX (? ) My Ditech account number is # XXXX. All correspondences on our end have been done via email by my realtor and or my attorney. I can take the time and get copies of those email chains if necessary.
07/10/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AL 36067	Web
My mortgage was sold to Ditech Financial last year when I refinanced. I have had issues with them responding to any questions I send. I have asked if they were going to assess my account as the previous company had done to ensure that the payments going into escrow will cover taxes/insurance. I got a letter stating they were looking into it. Then I got a letter stating that they were not supposed to assess my account until next year but they were going ahead and assessing it. That has been a few months ago. After I got that letter, I sent another message and explained that I was n't asking them to go ahead and assess it, I was just asking if they ever assess the accounts. I did n't want to owe a lump sum because they had not assessed it. I got another letter in the mail stating they were looking into it. I got my statement for the XX/XX/XXXX payment and the payment amount has gone up by a few dollars but there is no explanation and nothing to show they have assessed my account. I have had a lot of problems getting any response from them and if I do, it 's months later. I do n't know what agency is best to report them to or to try to get help from. I want timely answers to my questions. I have had a few previous mortgage companies and they always responded within 48 hours most of the time less than 24 hours and this company always mails letters stating they are looking into it so it 's always a few months before I ever get a response. I have sent another message and asked why the payment went up and expressed how I hate getting letters in the mail stating they are looking into it. I also explained that I hate that it takes a few months to get a real answer. I am so unhappy with this company that I put a note on every message and payment to please sell my account to someone else who has better customer service. I do n't understand not being able to get quick answers on my account. If this is not the place I need to report them to, please tell me what agency I need to contact for help. I am looking at refinancing just to get away from this company. Thanks for any help, XXXX XXXX XXXX
02/11/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60586	Web
Qualified Written Request under Section 6 of RESPA - Mortgage Information and Error Correction As a Qualified Written Request under Section 6 of RESPA - Mortgage Information and Error Correction, I am writing to request the following information described below in regard to the mortgage on my property. 1. Full monthly accounting information of my loan servicing since XX/XX/XXXX, including the following : Transaction dates, transaction amounts, Code, Category, Due Date, Total, XXXX XXXX, Interest, Insurance, Escrow, Late Charges/Fees, Advance, XXXX, Back Date All principal, interest, escrow, property taxes paid, hazard insurance premiums paid, and loan balance calculations ( including yearly escrow analysis for the past 3 years- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) All payment information and accounting ( including chapter XXXX trustee payments ) and how they were applied to the balance of the loan Yearly loan interest calculations from payments made during the last 3 years ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) A corrected XX/XX/XXXX Form XXXX - mortgage interest, showing the correct mortgage interest amount that I paid during that year Calculation of current home loan arrearages, including any escrow, payment, hazard insurance and late fee amounts. Your automated phone system states I have a {$6300.00} arrearage balance. You have not applied my payment of {$1100.00}, received in your office on XX/XX/XXXX to my account balance. Please apply this payment immediately. 2. Home retention and foreclosure prevention information, including loan modification applications, and any and all other paperwork, applications, or programs that I might be eligible to participate in to avoid foreclosure. 3. An explanation as to why you have recently removed my loan payment information from all XXXX credit reporting bureaus. 4. An explanation as to why I am unable to view any and all loan servicing account information including : principal, interest, balance, escrow analysis, and payment information at www.ditech.com, as well as on monthly statements mailed to my home address from your company.
05/15/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10460	Web
on 2nd week of XXXX I was contacted by a rep XXXX XXXX that had been designed to help me do a Loan Modification the 1st modification was completed but told by this rep that I had been denied but that I was approved for the Obama program with lower payments and lower rate. but that I had to start another trial payment to which I disagree bcs I thought it was not fair and I never asked why I was denied. I started the 2nd LOAN MODIFICATION and assure that as soon as my first trial payment was done I will received the doc which were never received & these payment were process thru XXXX and send to various rep, stated they were DITECH attorney & also asked to buy XXXX gift card to complete my first XX/XX/XXXX payment. On XX/XX/XXXX I reachout to DITECH and reported what had happed to XXXX XXXX XXXX XXXX I was transfer to speak to a supervision named XXXX she stated that I needed to make a police report which and did and was told that I was going to be contact by one of her staffs or I will receive papers by mail and she also stated that my doc were denied because they were late which is was not true but I have done is follow up with no success. Yesterday I received a call from a rep XXXX XXXX stating that I need to make a payment for the escrow for {$730.00} but since my acct is not active I need to purchase and XXXX gift card and and he also told me that my account w/b transfer to XXXX XXXX XXXX bcs DITECH has file for bankruptcy as of this Monday. I stated that I did have faith in what was going on an I took his contact # but told him I call will him. Then I received a call yesterday from also a rep that initially when I called to confirmed if XXXX XXXX was a rep with DITECH he transfer me to him when I called in early XXXX to make sure it was not a scam. Yesterday he told me that if I was looking for XXXX XXXX that he had information about him and I stated I was not looking for no one, e called but he stated what would be his benefit if he gave me information about him & I stated nothing but he called me I did not called him and hand up. ( payment proof w/b provided upon request ).
10/31/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89102	Web
Since XXXX XXXX, XXXX, ditech has messed with my credit. At one point, Ditech took payments and applied them to escrow and therefore making me look late. I have payment history and monthly statements showing I made the payments. They do NOT CARE. On XXXX XXXX from Ditech advised that no notes were documented in my account that referred escrow payments or issues. I was behind now the month of XXXX. She advised that I was never late in XXXX and I told her " funny, you reported me to the credit bureaus 5 times! ". She said she had no documentation of that. Really? advised her that the additional personal notes and documentation I have shown that Ditech accidently put payment funds in escrow account instead of applying to my payment on or around XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX ''. XXXX advised me there are lots of records that cant be found since XXXX merged with Ditech. Also, I will mention for documentation purposes, when this merge took place, Ditech was also was not going to honor my home modification through the original lender XXXX. In XXXX, this situation forced me to contact XXXX Nevada XXXX XXXX to have them step in and be sure my modification was accepted and understood that the terms of a loan modification agreement does not change. In XXXX XXXX I received around {$100.00} from the XXXX Ditech XXXX action lawsuit. My credit was also reported that I was delinquent on XXXX and XXXX of that year. Ditech has numerous consumer complaints. I am a consumer who makes her house payment and chooses to keep her home. They have caused me headaches and restless nights trying to prepare paperwork for issues in the past, or resolve issues with your customer service representatives who dont care about the customer. I ca n't get this issue resolved and I am running in circles. I am now taking this to every social media outlet possible and will also file any and all complaints against them. This is not professional NOR FAIR to us homeowners who make our payments. Ditech Financial should be out of business and taken in for fraud. I also have late charges. For what? I do n't know.
10/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 360XX	Web
This is a continuation for case # XXXX # XXXXDiTech Financial, LLC f/k/a Green Tree Servicing - Account No. XXXXThis letter is regarding your response to my complaint. We requested a loan modification in writing. The owner of our loan provided no explanation as to why we did not qualify for a loan at the time of our request. Furthermore, they did not provide us with any other options besides payment deferrals, at the time of our request. We believe that the interest rate was predatory. Our account is actually overpaid. Attached are payments that were not posted in the documentation you provided. Each of these payments should be posted to our account. And interest for each of these should be credited at 12.99 % or the interest rate charged for the loan and compounded annually as they were not posted. In the previous response, you did not address the harassing phone calls neither did you provide an explanation for the miscellaneous charges or legal fees. The bankruptcy issued needs to be address also, I filed in XX/XX/XXXX and had a XXXX in XX/XX/XXXX. The balance on the account is NOT DECREASING. We did not have any payment deferrals during this time, we paid bankruptcy and regular payments to Green Tree during this time. As of today, the balance is XXXX, why is there not any payment being applied to the balance? We have had this loan for sixteen years, bankruptcy included arrears payments which should have brought the balance current to sixteen years. Insurance, I see that payments were applied to insurance in XX/XX/XXXX, XX/XX/XXXX, etc., We had home owners insurance with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, policy number XXXX, there should not have been anything applied to insurance during this time period. ( Attachment K, XXXX XXXX Policy ). There are transactions listed on your History Report were payments were credited to Insurance. As a loan service provider you have a responsibility to assist consumers when you see them financial distress and they should reach out to you. Those responsibilities carry over with each service provider and should be taken seriously.
11/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 74133	Web
My husband and I had a property investment loan with Ditech. The loan was refinanced in XXXX 2016 and as soon as it was paid off, Ditech starting reporting the XXXX payment over 30 days late to the credit bureaus. They put the burden on me to send in XXXX of our credit reports and proof of the bank wire that was sent on XXXX XXXX, 2016. About 3 weeks later, they took off that late pay BUT then 14 days later put it back on. I called and they said it was the XXXX payment that was late. I had to send them proof again of my check dated XXXX/XXXX/16 and proof it cleared my bank on XXXX/XXXX/16. Then they determined they did not apply the payment to the loan. I first started contacting Ditech about this XXXX, it is now XXXX and despite hours of research, multiple letters and faxes and at least XXXX calls, they are still reporting inaccurate information to the the credit bureaus and we have no control over this! I have asked for over 2 weeks at least for a letter stating the XXXX report is inaccurate so I can use that to complete other business and XXXX supervisors have told me I would get XXXX that day and it 's been over 2 weeks. Not one supervisor delivered a letter or even called me back. My husband and I are self employed property investors and our credit score is CRUCIAL to our daily business. This inaccurate information has caused our scores to crop XXXX an d XXXX points respectively and we can not get the loans that we need to for other homes until this is resolved. Also, this has caused numerous pulls to our credit to see if it 's fixed, further reducing our credit scores. In the 2 month timeframe during this, we had several property insurance renewals come up and they were increased because they are based on credit scores. We are even receiving notifications of interest increase on credit cards due to the false late report to the credit bureau. This MUST be addressed. This is hurting consumers. I 'm a professional at monitoring my credit etc because of our business and I ca n't get this resolved. I ca n't even imagine a regular consumer dealing with this sort of situation.
07/27/2015	Yes	Mortgage Other mortgage	Settlement process and costs	KS 660XX	Web
I refinanced my home with XXXX in 2006 for {$250000.00}. XX/XX/XXXX I was in a financial crisis, so I got a loan modification with them. The payments were lower after the modification which. Is what I was looking for. Right after I got the modification, XXXX sold my mortgage to Greentree. Now that I am with Greentree I am seeing nothing but trouble after going through my loan paperwork. I found a HUGE mistake! My loan with XXXX XX/XX/XXXX was for {$250000.00}. After they sold it to Greentree, the balance was {$280000.00}!!!!! I never even caught any of this until I was going through my loan paperwork just recently, Can you tell me how in the world I have a higher loan balance now?!!?!!! Someone has added in just a couple few thousand dollars ( {$29000.00} ) without me catching it!!!! Can you please tell me why I have a higher payoff amount now that it was sold to Greentree?!?!?? When looking at my Greentree statement, it shows a principle balance of {$250000.00}, then it says ( not payoff amount ). What in the heck is going on?!!!?!?! Why do I have a higher payoff amount after XXXX transferred to Greentree? A lot higher! Another thing I am ticked off about is that Greentree is charging me all of these late fees for now reason! And when I used to make payments over the phone ( which you can no longer do ), they would say that I had to pay a certain amount for paying over the phone! I would sit and argue with them telling them that I do n't get charged for paying over the phone. Then they would act like it was a mistake and say, " oh you are correct, Kansas does not have a charge for paying over the phone ''. Another thing is that I have been paying online. As long as it is made by XX/XX/XXXX, then it is not late. Well, I have made several payments on XX/XX/XXXX and marked for it to be on XX/XX/XXXX. After reviewing my bank statements, they never put the payment through until several days later, therefor creating their own late fee! Honestly do not see how these rotten people are getting away with stealing everyone 's money! Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
08/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28451	Web
XXXX 2016 I called Ditech to make an almost {$2000.00} payment to my escrow account. The XXXX made a mistake and applied it as a payment to the mortgage even though I was 2 months ahead on payments.. I called Ditech in XXXX and brought the problem to their attention and they said they would fix it. They for some reason added {$5200.00} to my mortgage balance and never added my original payment to the escrow account. They have n't been able to explain what happened to the {$2000.00} or where it is. I talked with XXXX ( XXXX manager ) in XXXX and she said that the missing interest would be calculated and added to the balance and the mortgage and escrow accounts corrected. I am still waiting .... I asked XXXX several times where the amount of {$5200.00} came from and she would only say that it was a redistribution and could never explain to me the details of the actual amount of money or why my mortgage balance increased by that amount. I asked XXXX why my balance increased by the amount of {$5200.00} and she kept repeating that it was a redistribution - that does not answer my question. I asked XXXX to mail a letter explaining the redistribution, why the amount of {$5200.00} was added to my balance, and where the {$2000.00} went to ; of course she did not do what she told me she was going to do. This problem has been going on since XXXX and Ditech lacks the competence and knowledge to correct their own problem and the only way I find out they are padding their profits and books is by me closely watching my balance. The amount of {$5200.00} plus the almost {$2000.00} needs to be reapplied back into my account, plus interest since XXXX. I also want an written explanation of what caused the problem, what they have done to correct it, why the actual dollar amount ( {$5200.00} ) was added to my balance, where the {$2000.00} escrow payment is, and what are they doing to guarantee this will not occur in the future. There should also be fines and fees charged against Ditech. If I owed Ditech over {$7200.00}, plus interest, they would have their lawyers camping at my front door.
06/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30066	Web	Older American
This is the second time I 've submitted a complaint about ditech ( re complaint numberXXXXXXXX ). I could n't find a way to say that ditech 's response was n't clear. Maybe I was too late. On XXXX XXXX, XXXX I received XXXX pages ( cover 'em up XXXX ) attempting to justify ditech 's saying I owed a bogus debt which I did n't owe. I 'm sending scans of communications I 've had with XXXX, Green Tree and ditech. Here is a list of what is included : 1_Letter from XXXX dated XXXX, XXXX page 2_Letter from XXXX dated XXXX, XXXX page 3_Letter from XXXX dated XXXX 4_Letter from XXXX dated XXXX 5_Letter from XXXX dated XXXX, XXXX page 6_Letter from XXXX dated XXXX, XXXX page 7_My Escrow Waiver Included in the Original Contract 8_XXXX page of Green Tree 's Spread Sheet 9_Statement from GT dated " due XXXX '' 10_Statement with pay reversal 11_Statement " due XXXX '' 12_Statement from ditech for XXXX XXXX Compare the date of XXXX/XXXX/XXXX on my letter from XXXX ( number XXXX above ) with Green Tree 's spread sheet ( number XXXX above ). Note the letter from XXXX dated XXXX/XXXX/XXXX ( number XXXX above ). I 've included my waiver for escrow ( number XXXX above ) -- I 've never had an escrow account. I was never late with my standard payment on the mortgage or for taxes and homeowner 's insurance. I never got an XXXX statement from ditech. I had to call ditech for the address which address to which I should send the payment -- It was the same address as Green Tree 's. In spite of XXXX letters, XXXX from me and XXXX from my then attorney, ditech still addressed their communications to my attorney 's office and I got them past the due date, the first of the month. Statement from ditech ( number XXXX above ) ... has pay reversal but still has the bogus debt named " XXXX XXXX XXXX. '' I received XXXX more statements for the first of XXXX, XXXX, and the first of XXXX, XXXX, which I did n't pay because my new mortgage was in process. I do have a new mortgage with my credit union. It cost me nearly {$5000.00} to get a new mortgage, including attorney 's fees, which I could n't afford.
04/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 080XX	Web
In XXXX, I bought a house and was financed through XXXX who sold my mortgage to XXXX XXXX XXXX, who then sold it to Greentree Service which became Ditech. There have been issues with Greentree and Ditech all along the way, with fees and harrasing phone calls, but the kicker was that I started to get a refinance in XXXX XXXX. From then until now, it has been one list of confusion and run around. No one in this company gives you the same answer and money seems to go missing. I first was told that I owed late fees but they couldnt tell me how much or for what or why I had money listed in an account marked " other funds '' but that wasnt late fees paid. Then they did a research on my account and magically made things add up after weeks and weeks. They lost my payment miss applied my XXXX mortgage with my XXXX and than held up a few more weeks. XXXX seperate checks with XXXX seperate accts numbers. Then finally the refinance department calls me and say they called my home owners insurance company and found out that my policy was cancelled a year before in XXXX XXXX because of non payment. Although it has always been part of my escrow. But when I call customer service they tell me no maam you are insured. They give me the policy number, the due date, the amount due etc. So for the past week its been chasing my tail to get straight answers. Where is my missing money? Why wasnt my policy paid. Where is a check they tell me they refunded me. Why dont they realize that if they have an extra {$1100.00} in the acct they may need to figure something out! I now have been dropped from my insurance company who wont take me back because of the lapse. I had to get a terrible policy just to get coverage. My out of pocket XXXX forbid something happen is {$2500.00} its a nightmare. So now that I ask where my money is now tax payments show that they have been issued to the county and XXXX to the city ( although I dont pay a city tax ). Both for the same amount. My township says they havent received a payment since the XXXX quarter. I think my money is being stolen or pocketed. I need help.
06/28/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22192	Web
My Father passed away on XX/XX/XXXX. Since then my siblings I have filed with XXXX XXXX County as the heirs and owners of his home. We contacted Ditech in XXXX to inform them of our Father 's death and our inheritance of his home. We filed an affidavit of ownership and my siblings elected me as their representative. I have been asking Ditech for information regarding his mortgage and repayment of it since mid XXXX. In XXXX I started corresponding with Ditech via phone and email so that I would have a paper trail. Ditech refused to acknowledge my authority and also refused to acknowledge us as heirs. We submitted all the documentation that they asked for several times due to them misplacing or losing the documents. My Father 's home needed many repairs and we are still in the process of making them. I have spent thousands of dollars for these repairs and am two weeks from completion. If the repairs would not have been made we would have taken a great loss because his home would not have sold for what he owed. I have an excellent realtor standing by to put the home on the market. She believes it would sell in less than two weeks. Today XX/XX/XXXX I received nine letters addressed to each of my siblings, myself, my Father and his Estate. The attorney did not send Letters to my siblings at their address instead they were sent to my Father 's address. The attorney has all addresses for my siblings, therefore have sent the notices to the wrong address. These letters are to inform us of the Auction of my fathers 's home on XX/XX/XXXX. I believe that Ditech has broken the Law by not communicating with me about the assumption of his loan or the amount of his payments or his due balance. They have not responded to almost all emails that I have sent and there has been no follow up or follow through with them. We were prevented counselling due to the fact that Ditech would not acknowledge us as the owners of his home therefore HUD counsellors would not speak to us. We are in dire jeopardy of losing his home due to Ditech not following RESPA Laws and refusing to speak to me.
07/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 339XX	Web
In XXXX I bought a home, with XXXX XXXX XXXX as the mortgage holder, it later sold the mortgage to Green tree and last year Green Tree changed it 's name to Ditech. During the process of change over one year ago. The mortgage has always collected the escrow for wind, home and flood insurances plus taxes. Last year my mortgage total came down it was a steady {$1500.00} + for all the years I 've owned the home, it dropped to {$1300.00}. I called everyone because I knew there was a mistake and got nowhere. Last month I got the escrow analysis and then the new mortgage billing and my total mortg & escrow went up by whopping over {$470.00} a month! I called Ditech several times, today a manager said that last year Ditech did not collect escrow for XXXX of the policies but that they paid. Because of that they say I now have a deficit of over XXXX and hence my higher mortgage payments. The Ditech manager XXXX admitted they made a mistake. I asked for a copy of XXXX 's escrow analysis and she told me she could not see it in the system, then she found it on some " other system ''. I asked for a copy of it to be sent to me, faxed, e-mailed whatever and she said she could not. I have called for weeks and hours trying to find out the truth. The manager admits they made a mistake, that now I 'm paying for. I do not trust them. They keep pushing me to refinance with them or extend the loan, every time I call and by mail. I do n't think I should be paying for their mistakes and I do not trust their numbers. I think they did this on purpose so that I 'd be force to refinance with them or extend the loan another 30 years. I 'm nearing XXXX and a jump of {$400.00} additional moneys every month is hard to do. I 'm beginning to feel this is a game for them and of course we the consumers are always at fault right. Wrong! She admitted they make the mistake! I have excellent credit and a lifetime of paying my mortgages and debts, I think they want to create a problem or cause a problem for selfish, greedy reasons. This company needs to close their doors and be thoroughly investigated ....
06/04/2015	Yes	Mortgage Home equity loan or line of credit	Application, originator, mortgage broker	ID 83646	Web
We applied to refinance our XXXX lien loan under HARP. We also have a XXXX lien loan that is serviced by Green Tree Servicing, which needs to be subordinated. The subordination required a prepaid processing fee that was paid in advance and not disclosed on the GFE. The problem is the utter lack of customer service in processing the request and not with the nondisclosure. Green Tree requires communication between my mortgage company and them to occur via fax. This has proved extremely challenging in meeting green Tree 's requiring an AVM in lieu of an appraisal. [ It should be noted that XXXX is not requiring a formal evaluation in their approval. Thus, when Green Tree stated they needed an appraisal or AVM, we elected an AVM since no cost ]. The AVMs provided to Green Tree, as of XXXX XXXX, 2015, have not met their standards. As a result, our interest rate locks can no longer be extended without substantial costs incurred by us or accept current, market interest rates. Due to an increase in rates since application, this will result in additional interest expense over the life of the loan as well as a higher monthly payment obligation. We, including our loan officer, have never experienced such a lack of customer service. This experience reminds me of the foreclosure debacle, which Green Tree was investigated for. Unfortunately, lessons learned were not relaized by Green Tree subordination. We as customers can not talk with this team directly. Repeated calls to their customer service team have resulted in apologies and calls that are transferred to incorrect resources. We are above average consumers ; college graduates and former XXXX. We are willing to overlook human errors but this appears to systemic rather than an isolated instance. The undo additional requirement of requiring an appraisal or AVM has resulted in an application that will now result in additional costs that we could not have reasonably avoided. We appreciate you looking into this matter so no other consumer experiences what we have. We will incur additional costs as a result of this issue.
12/02/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33150	Web	Servicemember
XX/XX/2019 I paid {$1400.00} to Ditech Financial LLC for my mortgage, on their website. XX/XX/2019 Ditech emailed me that the payment was not honored. XX/XX/2019 I called my bank and Ditech because I had sufficient funds. My bank confirmed that the {$1400.00} payment never presented to the bank, and I had sufficient funds. Ditech took my payment over the phone and admitted to " glitch '' in their website. XX/XX/2019 Ditech sent a certified letter accusing me of " non-sufficient funds and threatened fees, contractual rights and equitable remedies. '' XX/XX/2019 I called Ditech to get to the bottom, and facilitate a second conference call with my bank. Ditech reversed the NSF fee and told me that the matter was resolved. XX/XX/2019 Ditech generated another threatening letter after my call indicating that the issue was turned over to a debt collector. Why would they do that after they reversed the fee? I have paid all of my mortgage payments and there are no late fees or payments outstanding. XX/XX/2019 I mailed a certified letter with supporting documentation that my bank never received the request for transfer of {$1400.00}, and my bank has not charged NSF to my account. XX/XX/2019 Ditech mailed another letter requesting more bank documentation showing sufficient funds. The latest letter changed all of the dates and amounts of payments and NSF claims. They are completely confused about the entire situation, but I have documentation of each email and letter. XX/XX/2019 I mailed additional documentation to Ditech in AZ and also the CEO in PA. I also filed a complaint with the XXXX. I am exhausted with Ditech harassing me for a payment that I made on time and they admitted to botching the processing of payment. I have spent so many hours waiting for a Ditech rep or manager, and creating conference calls, that Ditech is causing much distress and I am wondering if I need to contact the media or an attorney. Please help me. I am a XXXX vet, a XXXX XXXX and a upstanding citizen paying my bills on time. I shouldn't be harassed when Ditech 's website has a glitch.
01/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94582	Web
Below is my letter to DITECH stating the issue followed by their unjustified response. ; I included my Account number to them to ensure they could identify me by name or Loan Number. Before writing the letter we spent 30 mins on the phone to talk to a customer service rep who insisted that the {$65.00} fine for the {$61.00} deficit in the payment was justified and there was n't anything she would do about it. I think that more than 100 % penalty for an error originating from change in interest rate is egregious. Hello, I have been a loyal customer in very good standing since XX/XX/XXXX with XXXX before being transferred to Ditech about 4-5 years ago. Our payments have ALWAYS been on time on the XXXX of every month. For the First time in 13 years, the payment on XX/XX/XXXX was paid with an amount less than {$61.00}. Our payments for the last year have been {$1200.00} which we paid with Auto-pay. In XXXX, the amount changed to {$1300.00} and the Auto-pay paid the previously scheduled amount of {$1200.00}. This was NOT an intended dtefault in my mortgage payment. This was NOT an intentional partial payment for lack of funds. I have been slapped with a penalty of {$65.00} which is more than the amount I owe! Considering that this is the first time this has happened in 13 years AND considering that this was an honest overlook on the Auto-pay, I request that the penalty of {$65.00} be refunded to me as a good will gesture to a loyal customer in good standing. DITECH 's unjustified RESPONSE : On XX/XX/XXXX, at XXXX XXXX, XXXX wrote : Thank you for your recent inquiry. Ditech is unable to assist you at this time, as the information you provided can not be verified. If you are a Ditech customer, please visit www.ditech.comXXXX to register and log in, or contact our Customer Service Department at ( XXXX ) XXXX, Monday Friday, XXXX XXXX. to XXXX XXXX. and Saturday, XXXX XXXX. to XXXX XXXX. Central Time or send a signed request to : Ditech Customer Service XXXX XXXX XXXX XXXX XXXX, SD XXXX FAX ( XXXX ) XXXX Thank you, Ditech Financial LLC Customer Service
06/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA XXXXX	Web
I'm in the process of selling my home and received a payoff letter which lists a Total Corporate Advance amount of {$1000.00}. I sent an email request on XX/XX/XXXX requesting an explanation of this fee. I received an email with a letter stating " per the terms of the contract, the lender may may necessary expenses in order to protect its security interest in the property. The lender may then seek reimbursement from the customer. Unless arrangements are made, failure to pay the expenses may constitute a continuing default under the terms of the contract. Please find attached a copy of the advances to the account made on your behalf. '' I called Ditech 's customer service department at XXXXXXXX XXXX on XX/XX/XXXX and spoke with XXXX. I explained that none of the transactions add up to the amount listed on the payoff. I had filed Chapter XXXX bankruptcy in XX/XX/XXXX. The mortgage was sold to Ditech ( known as XXXX XXXX at that time ) in XX/XX/XXXX. The bankruptcy was discharged XX/XX/XXXX. XX/XX/XXXX directed my most recent mortgage payment from the principal, interested and escrow, reversed the payment and applied it to corporate advance repayments at that time in the amount of {$1900.00}. It was then necessary for me to make an extra mortgage payment. I contacted Ditech in XXXX via email and phone and had no resolution. I should have continued to fight and question but I seemed to be getting a runaround from the various representatives I spoke with. XXXX submitted a verbal request and it would take up to 30 days to receive a response. I don't have 30 days to wait from today XX/XX/XXXX as this house is going to settlement on XX/XX/XXXX. I need this resolved as quickly as possible. I find that this additional corporate advance repayment fee listed on my payoff letter to be highly unreasonable, especially since my chapter XXXX bankruptcy was discharged 14 months ago and Ditech didn't even originatet the mortgage. I would like to have this unreasonable fee removed from my payoff. I question Ditech 's ethics and the competence of their accounting procedures.
11/04/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MA 02072	Web
I have mortgage that was originally a XXXX XXXX XXXX account, then passed to Green Tree Services terrible service and even worst customer service, now the new Debt Collector Mortgage Holder is Ditech. This company is awful to make a payment over the phone takes for ever and after you are transfer to different individuals and you can finally make a payment they charge you {$19.00} fee, which I understand is illegal the State of Massachusetts where I leave. I also have problems to make my payments online because their website is does n't always allow me to make my payments. Because of their inefficient service I tried making my payments XXXX and two days ahead of the due date and recently I made my month XXXX payment on XXXX XXXX XXXX earlier, apparently they posted my payment toward the principal balance and I 've emailed them 4 times asking to adjust my payment. On XXXX XXXX I was informed by XXXX their reps. that my account was up to date and my next payment due was for XXXX XXXX. When I called this week to make my payment I was informed that I was behind missing XXXX payment, that was very frustrating and I felt helpless. I am in a bankruptcy process where I ca n't miss any payments during my 5 years plan and as of today I 've paying my mortgage in a timely manner. I was informed by their rep that an audit was being conducted on my account and the they would have an answer by XXXX XXXX. I do not trust this company, I have the names of the people I talked to, copies of my emails. They have sent XXXX letters they all say the same " we are working on your case '' ... .I appeal to your help to get this horrible company in its place and stop abusing consumers. I need a report that shows that I 'm up to date in my mortgage and that shows that my payments have been adjusted accordingly. It is so ridiculous that every time I speak with a different customer service person, each of them have a different answer : we are working on your case, we are conducting and audit, call in 7 days, call in 2 weeks. I would appreciate anything you can do to mitigate my situation.
08/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA XXXXX	Web	Servicemember
We are conscientious consumers who appreciate this process for clarifying and hopefully correcting errors found on our credit report. We recently went to have our credit reviewed, and we were pleased to learn that most things were handled correctly with a few exceptions. XXXX such exception, to our surprise, was Green Tree Servicing. Our original loan was established in XX/XX/XXXX, with XXXX XXXX XXXX. As described in other complaints against other mortgage companies, we lost employment due to layoff. We continued making payments on all accounts until XX/XX/XXXX, at which time we notified all lenders that we were unable to continue payments. At the time, our FICO score was XXXX ( see attached ) ; we hoped that we had proven ourselves as good customers and could work with lenders in good faith. Unfortunately, lenders advised us to let our accounts go " 3-months delinquent '', then they could help. The only thing that accomplished was to have our FICO score continue to go down. We contacted XXXX ( Federal National Mortgage Association ) and was assigned an analyst. We submitted all paperwork requested including an income and expense form, a list of all lenders and authorization to pull our last two-years of tax filings. After reviewing our submissions, the analyst concluded that we were eligible for " Deed in Lieu '' of Foreclosure for the mortgages. Green Tree was notified, and we went forward completing and having certified all of the documents they sent us, and we returned the documents along with the keys to the property. According to information on our credit report, the " Deed in Lieu '' final document was recorded XX/XX/XXXX. A copy of the form has been attached. However, Green Tree did not complete the paperwork that would show the XXXX balance on our credit report ( attached ). They appear under " Derogatory Tradelines '' as reported " XXXX '', and the account shows as a " Closed/Foreclosure ... '' Contrary to the zero balance shown under Property History, this form shows a balance of " {$92000.00} ''. For clarification, my husband is the veteran.
04/23/2019	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 28211	Web	Older American
The following complaint is about a requested loan for home improvements and how I was not allowed to close on the loan due to some required repairs. I have been a customer of Ditech for 11 years as they were my mortgage lender. My home was to be paid off this month and since my financial relationship with Ditech was in good standing, I decided to extend the relationship by requesting and applying for {$70000.00} for a home improvement loan on XX/XX/2019 with XXXX XXXX. The processing was going smoothly. A loan officer XXXX XXXX gave me the good news that my loan was conditionally approved on XX/XX/2019. An appraisal was scheduled for XX/XX/2019. The appraisal was completed by XXXX XXXX. After the appraisal was completed XXXX and I discussed the appraisal which noted several repairs such as, peeling and wood damage around the windows, the exterior doors, main bathroom ceiling, living room ceiling, kitchen ceiling, overhang over the front door and the area immediately to the left and the crawl space. XXXX stated that the repairs are required to be completed before Ditech could close on the loan. Prior to the appraisal I was under the impression that the appraisal was just to appraise the value of my home. There was absolutely no mention that the loan was contingent on the required repairs noted by XXXX XXXX. I replied that I was confused because I applied for a loan where the money I was borrowing would be used for home improvements like the repairs noted in the appraisal. She asked me to have a talk with XXXX XXXX the originator of the loan. On a phone call, XXXX advised me to borrow the money for the necessary repairs from someone or somewhere else in order to close on the loan. In his final email XXXX alerted me that they could not close on the loan until the repairs were made per the appraiser. My mortgage will be paid off by XXXX XXXX. I have since heard from XXXX about moving forward with the required repairs and the loan process. I told her that I was withdrawing my loan application and would look for another lender for my Cash Out Refinance loan.
07/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 06109	Web
I have a mortgage with Ditech Financial LLC. I made my XXXX mortgage payment on time as usual, actually a few days early. When looking at my statement for XXXX I see a double payment due. I checked my payment history and found my XXXX payment was applied as a principle payment instead .I made my regular payment for XXXX. I called ditech and asked why and how this happened and was told they don't know. I asked for the payment to be reallocated and I was told they would. Since then I have called them 6 times with up to 20 minutes hold time because I keep getting told they will take care of this and they have not. Today XX/XX/18 I called again they said we are still waiting for your allocation to go through. I said I have waited a month now this will damage my credit score. I asked for the supervisor and was told he was busy with other customers. I asked for his direct number. I called a supervisor named XXXX XXXX got voicemail left a message and no return call. It is now XXXX XXXX. Secondly, .I have some kind of 2 % interest rate loan through the government. I got a letter saying due to my timely mortgage payments I will get a {$5000.00} principle payment on my loan. I had to fill out the Dodd Frank form they sent me an I mail it in XXXX. I called they said they never got it. Sent it in again I was told not the right form ( which I got from them ). Third time sent me the same form I filled it out and downloaded a Dodd Frank form I found on line filled that out also and sent it certified mail. I got the receipt showing delivery on XX/XX/18. Called to confirm I'm told they don't have it. The form has to be done by XXXX or I will forfeit the payment. Due to these incidents and lack of any resolve I charge that Ditech is purposely trying to not have to pay the {$5000.00} by claiming to not have received the proper paperwork and intentionally not applying my payment to make it look like I have fallen behind which would also negate getting that principle payment. Now they are talking about foreclosure? I am fighting a giant corporation and really need your help.
09/02/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	AZ 85029	Web
I refinanced my original mortgage once XXXX to get a lower interest rate, in that process XXXX loan separated a portion of the primary mortgage into a second mortgage, so instead of a 1st mortgage of {$110000.00}, I had a 1st mortgage of {$96000.00} and a second for {$18000.00}, the increase in amounts went towards paying the " closing '' fees of the refinance. When the housing crisis occurred, I was informed by my mortgage lender to cease making payments in order to qualify for home modification loan, since our house lost so much of its value. Unfortunately, that did n't happen ( was refused modification ) and I was left out to dry by HAMP, and ended up losing my home which was eventually foreclosed on in XXXX 2013 for {$88000.00} less than the entire mortgage of {$110000.00}. Since XXXX XXXX did n't inform me that I would lose the non-recourse status once they separated the XXXX loans, I learned during the foreclosure that I owed {$18000.00} on the second mortgage for a house I no longer own, and that just sold for {$24000.00}. I had to move out, find a new place to live, which was across the country, and had to struggle to regain lost wealth, etc ... Well my secondary mortgage from XXXX for {$18000.00} ended up being purchased by XXXX XXXX XXXX during the bailouts, and eventually ended up with the debt collection company Green Tree/XXXX I have offered to pay 10 % to settle, seeing everyone took a haircut due to the Housing Crash that I had zero to do with, and was instructed by my primary mortgage lender to stop making payments to qualify for HAMP, which landed me in eventual foreclosure. XXXX refuses to accept anything less than 50 % over the phone, I am just trying to settle for a reasonable amount of 20 % of the total due, which is {$18000.00}, in a XXXX lump sum payment. XXXX refuses and are unreasonable to not incorporate the facts of the situation when arriving at a solution on this debt. This refusal is costing me money in a lower credit score, and at second chance at being a homeowner once more - I am just trying to move on with my life.
03/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20002	Web
The escrow unit of my mortgage servicing company, Ditech, is supposed to manage and submit payments for real property tax as well homeowner 's insurance. I received my Real Property Tax Bill for the XX/XX/XXXX year from DC and the bill indicates that the real property tax for the second half of XX/XX/XXXX was never paid. Therefore there is an outstanding balance plus a penalty as well as interest. I called DC to confirm that there was indeed an outstanding balance and they calculated the numbers with me over the phone and confirmed that there is indeed a balance. They also told me that because escrow missed this payment, I could request a waiver of the penalty and interest. I then called Ditech to ask them what happened with the missed payment and to get the payment taken care of. First, they told me i received a surplus return from my escrow which has nothing to do with the outstanding tax bill. Second, they told me that Ditech did indeed make the payments. However, I told them that was not true because DC calculated the numbers and I checked the payment history from the escrow, and that payment was in fact not paid. The person i talked to insisted it was paid and tried to hang up on me and said he confirmed this with the manager. Finally, he let me speak to the manager who then put me in touch with the tax department. The tax department claims they never received the bill and said they would take my word for it to make the payment. I told them to make sure they take into account and also request the waiver of penalty and interest so there is no over-payment. They obviously were trying to get rid of me and quickly hung up. I have no confirmation that they will contact DC to get the correct amount or follow through with payment since multiple people gave me different answers. I also have no confirmation that they will request the waiver of interest and penalty fees. Please get this resolved for me so i dont continue to lose money like i did last year when Ditech refused to request an enormous refund i was owed by DC for a massive overpayment. Thank you.
04/17/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	IL 60620	Web	Servicemember
Our loan was purchased by Greentree Servicing LLC in XXXX. The XXXX payment was due to them on XX/XX/XXXX. We made the payment via telephone on XX/XX/XXXX of XXXX. The next month we went to make the payment and was informed they did n't have the payment from XXXX At this point we provided to their collection person the reference number, the time of day ; bank information ; sent bank statements. No resolve until XXXX. However, during that time all payments were being held by them because the rep told me " they hold them until all payments are located ''. I asked would it be considered late. They advised me NO ; because they are not late they are just trying to find the payments. We are now attempting to change lenders and found they are reporting late payments since XXXX which we were not with them until XXXX as well as we could not access the website until XXXX because they were holding the payments. We talked to someone from Greentree almost every other day regarding the payments. No one called as promised it was us calling them. Then they went up on our mortgage payment which they said was due to escrow because the payments were not being paid. I was advised my husband would have to call in after all payments were found to request a new evaluation. Well two weeks ago we did that and they told us we could not until next year. This lender is not only making false statements but the customer service here is horrible. Today, XX/XX/XXXX I called in regarding the late payments we were advised of and was told it has to be in writing and could take two weeks. I asked the guy I was speaking with for a supervisor and he transferred me to the voicemail. We are due to close on Monday, XX/XX/XXXX and need this to be corrected immediately not in XXXX weeks. The payments were made as they were set to make and we have not been charged any late fees. I believe this is another ploy by this lender to ruin our information so they can continue to balloon our mortgage. Your help is needed to have the payments reported correctly and updated to the credit bureau immediately.
04/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02050	Web
Payment was made on XXXX XXXX, 2016 and still have not credit my account. XXXX Ditech Logo BUY A HOME HOME REFINANCE CALCULATORS RESOURCES MANAGE MY ACCOUNT LOG IN UPGRADING OUR SYSTEMS IN XX/XX/XXXX Home / Upgrading our systems in XXXX We 're making improvements We 're improving our systems to serve you better. We 're upgrading our systems! Thank you for your patience. Ditech is in the process of upgrading our systems. When this work is complete, our customers will experience more efficient service through expanded capabilities like : Faster billing statement delivery Improved online payment options Digital alerts through text or email Free automatic payment plans On Friday, XXXX XXXX, your account access will temporarily interrupted as we install these upgrades. Customer service phones & online systems will be unavailable on Friday, XXXX XXXX As part of a planned systems upgrade, the XXXX online service, our automated phone menu, and the customer service call centers will be closed on XXXX XXXX, 2016. Ditech will reopen for business XXXX XXXX and on that day our customer service center will stay open until XXXX XXXX CST to serve you. XXXX account data may be unavailable in MyAccount until XXXX XXXX XXXX XXXX XXXX, you will be able to access your secure information in MyAccount. However, for some customers, the information shown there will reflect only Ditech mortgage loan activity as posted through XXXX XXXX, 2016. Any payments made on or after XXXX XXXX, 2016, may not be visible in your transaction history or your balance until XXXX XXXX. Payments made on or after XXXX XXXX will post on the date received If you make a mortgage payment on or after XXXX XXXX, 2016, we will post your payment effective the date it was received. Your up-to-date account information will be visible in MyAccount on or about XXXX XXXX. We will post all payments received on XXXX XXXX with an effective date of XXXX XXXX. Thank you again for your patience. We expect these upgrades to improve our service and your experience with ditech. ditech, a XXXX company XXXX
06/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 323XX	Web
MY HOME IS FINANCED THROUGH DITECH MORTGAGE, IVE HAD A NUMBER OF PROBLEMS LIKE EVERYONE ELSE, BUT IN XXXX I HAD TO FILE A CHAPTER XXXX, AFTER THEY KEPT HARASSING ME KEPT SAYING I MISSED PAYMENTS, CALLING MY FAMILY MEMBERS IN THE ARMY WHO HAS NOTHING TO DO WITH MY ACCOUNT, EVEN MY AUNT ON MY DADDYS SIDE, SO I HAD TO CALL THE XXXX ABOUT THIS, SO THEY WERE TOLD NOT TO EVER CONTACT ME UNLESS IT WAS IN WRITING, SO THEY ARE UPSET TRYING TO RETALIATE AGAINST ME, IM HAVING REPAIRS FROM THE STORM DONE ON MY HOME RIGHT NOW, WATER DAMAGE AND ITS POSSIBLE MOLD IN MY HOME, SO I HAD BEEN TRYING TO TALK TO MY INSURANCE COMPANY THE ADJUSTER XXXX XXXX, WITH XXXX XXXX TO SEND THE MONEY FOR THE REPAIRS, HE KEEPS STATING THEY SENT THE MONEY, I SAID I DONT HAVE IT, SO FINALLY HE SAID CHECK WITH THE MORTGAGE COMPANY, SO ON XX/XX/XXXX I DID I SPOKE WITH A LADY NAME XXXX, WHO THEN TRANSFERRED ME TO THE CLAIMS DEPT, ( XXXX ) I TOLD HIM WHAT THE PROBLEM WAS HE STATED THAT THEY HAD THE CHECK THAT WAS IN QUESTION FOR XXXX, THAT THE ADJUSTER KEPT SAYING THAT HE ALREADY SENT ME, I KEPT TELLING HIM NO I DONT HAVE IT, I HAD THE ROOF DONE, AND THE ROOFING COMPANY WAS GIVEN XXXX FOR THE ROOF AND THE OTHER PART WAS FOR THE REST OF REPAIRS INSIDE, SO WHEN I SPOKE TO XXXX AT DITECH ON XX/XX/XXXX SHE STATED THEY HAVE THE REST WHICH IS XXXX AND THATS BEEN OVER A YEAR, SHE SAID OH WE WERE INTENDING TO SEND IT BUT I DONT KNOW WHY WE DIDNT, BUT YOU WILL HAVE IT IN ABOUT 5 DAYS, SO FAR NO CHECK, I CALLED BACK ON XX/XX/XXXX SPOKE WITH XXXX SHE STATED THEY PUT A STOP PAYMENT ON CHECK, STATED THAT SHE SAW IN COMPUTER THAT THE CHECK HAS BEEN RE PROCESSED AND I SHOULD HAVE IT BY XX/XX/XXXX, NO CHECK AS OF TODAY YET, THE CONTRACTOR HAS COMPLETED THE WORK AND WANTS HIS MONEY, SO EVERYTIME I CALL THIS RUDE LADY NAMED XXXX ANSWERS THE PHONE, HARASSES ME RUDELY, THEY WILL NOT EVER LET YOU SPEAK TO A SUPERVISOR, AND IM SICK OF THESE PEOPLE, IVE PAID INSURANCE ON THIS HOME SINCE XXXX, THIS IS MY FIRST CLAIM, IVE BEEN GIVING THEM ALL MY MONEY OVER 20 YRS NOW, I SHOULDNT HAVE TO DEAL WITH THIS XXXX.
04/21/2018	Yes	Mortgage VA mortgage	Trouble during payment process	MD 206XX	Web	Servicemember
In XX/XX/2017, ditech changed my escrow amount and did not notify me. Due to a {$60.00} adjustment of my taxes, they changed my escrow amount, but did not notify me of the change. They claim to have mailed me a statement saying so, however, I did not receive any statement from them outlining the escrow change. I made my regular monthly payment of {$2400.00}, as usual, unaware that now ditech was expecting a monthly payment of {$2500.00}, due to adding an additional escrow, and so considered my monthly payment {$43.00} short. ditech did not contact me at all during this time to inform me of the shortage, and I was unaware until I received my next statement, upon which I immediately called to pay and correct the difference. However, ditech has assessed me a {$77.00} fee over a discrepancy of {$43.00}. ditech 's customer service representative told me over the phone that they were charging the fee simply " because they could '', and said that ditech had no obligation to inform me that my escrow had changed. They refused to remove the fee, even though I have always ( and continue to ) pay my monthly payment on time, that I was unaware that they changed my escrow without informing me, and that the fee of {$77.00} charged was almost double the disputed amount of {$43.00}. ditech 's rep said I had agreed to the fee when I received my mortgage, which is completely untrue, as ditech purchased my mortgage from another company and I have never filled out any paperwork with ditech or my previous lender authorizing such an egregious fee amount. ditech refuses to remove the fee, and has repeatedly begun calling me and sending me collection letters over the {$77.00} late fee. ditech 's abuse of escrow to charge a 178 % late fee is tantamount to loan sharking, especially given they claim to not need to notify me about changing my monthly payment. Having read other stories online, this seems to be a common practice ditech is using to abuse mortgage lending and make profit by changing escrow amounts without notifying customers and then charging high late fees.
08/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98662	Web
We purchased our home located in XXXX, Washington in XXXX of 2010. The title search revealed no outstanding mortgages on this property, so the previous owner, XXXX XXXX, walked out of the title office with a check for the full proceeds of the sale. Shortly after we moved in, XXXX began leaving envelopes on our doorstep addressed to the previous owner that came from XXXX home retention department. We immediately contacted XXXX XXXX and they reran the search and again came up with no record of any liens on our property. Several months passed and notices began to appear at our door to contact Green Tree Servicing. Unfortunately I was told that unless I had permission from the long since vanished previous owner, they would not talk to me. I did have XXXX representative at XXXX time tell me that they owned our home and that we should contact XXXX County and ask them about the missing deed of trust. I contacted XXXX XXXX and they agreed to open a claim against our title insurance in case Green Tree attempted to foreclose. XXXX further research revealed that an out of state title company recorded the deed in XXXX County, making it null and void according to XXXX claims attorney. A phone call to XXXX County also revealed that XXXX County notified the title company, but this title company failed to refile in XXXX County. The State of Minnesota eventually shut this title company down. We then began to have representative from Green Tree 's local foreclosure contractor ( XXXX XXXX ) ring our doorbell asking for the prior owner and leaving the same " contact us '' pamphlet behind. Eventually they quit showing up and no foreclosures were initiated. Apparently Green Tree has n't completely given up. For the past several years they have continued paying half of our property taxes. Our own bank pays the first installment and so does Green Tree. I contacted the County to find out who has made this year 's first tax installment and it once again was Green Tree Servicing. XXXX XXXX still has an open file, but Green Tree refuses to talk to them as well.
10/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30092	Web
I was called by my mortgage company telling me I was late making a payment and asked if I would like to do so over the phone. I could not understand why they would be calling since I have automatic withdrawal from my account bimonthly. I was unable to discuss the situation then being that I was in a grocery store. When I called back I found out that XXXX of my bimonthly payments was being applied entirely to the principal and that I was getting late fees because naturally the required monthly mortgage payment was not being received. My mortgage was with Greentree when I initiated the bimonthly payment. I was told that Ditech acquired the mortgage and that everything would remain the same with Ditech as it did with Greentree. That is not the case. When I initiated the bimonthly payment with Greentree, it was not the amount that Ditech started to withdraw from my bank account. When I called and asked about this I was told that loots of things happen when mortgages are purchased. I now am watching to see if the late fees ( more that one month ) and the payment is being applied to the mortgage and not the principal. I also learned that although I have the first of the bimonthly payments taken out of my bank account, it is NOT applied to my mortgage. As stated on my statement, the money is listed as " funds in suspense ''. I thought the payment was being applied to the mortgage not being held until the balance for the month is received and applied. So the first half of the payment is taken from my account and held " in suspense '' in an account at Ditech where I am certain it is earning them interest yet it is not applied to my mortgage whereby lowering the interest accruing on the mortgage. Can they really do that? Also, they now say I can have the PMI removed, however they are requiring me to have an appraisal with XXXX of their vendors to qualify to remove the PMI. I though PMI was to insure that they would receive payment not to insure the value of the home. Why am I being made to prove the value of the home to get rid of an insurance payment?
12/11/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NJ 086XX	Web	Older American
I am seeking the help of this agency and would like to file a complaint against Ditech Financial LLC, mailing address is XXXX. XXXX XXXX, XXXX XXXX, SD, XXXX. This institution currently holds a Mortgage loan on my current residence. I have been a client of theirs for over one year, as a result of the mergers of the original company i signed my mortgage contract with. As background, I have never been late or missed a mortgage payment with either the prior mortgage company or with Ditech. I have paid exactly the amount Ditech sent to me every month per their billing statement. XX/XX/XXXX, they are demanding I pay an additional {$3500.00}. When I questioned the reason there was no explanation provided to me. There has been no increase in my real estate taxes as confirmed by my county and no increase in my home owners insurance. Both resources confirmed for me this fact. When notified by Ditech of the increase, I sent them a request asking for an explanation and I have not received a response. I have called them on multiple times, indicating that I will now pay my homeowners and taxes separately and that I will now only pay them principle and interest charges for the loan. As a result I prepaid my real estate taxes through XXXX XXXX, XXXX and sent Ditech a receipt showing the tax is now paid. I have also for the last three months paid my principle and interest payments on time. I have receipts of all transactions. My rationale for paying my taxes and homeowners separately at this point is that Ditech has not demonstrated to me the competancy of computing and paying my taxes on my behalf. I do not understand their computation and they refused to respond to my questions. The only response I did receive is " Your mortgage payment is now 60 days past due and your account may be referred too for foreclosure. Ditech financial LLC has tried to contact you previously to make you aware of the foreclosure prevention options that may be available to you. In case you are unable to bring your payments current ''. I completely disagree with their statement.
03/04/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 78602	Web
I set up payments with Ditech on or about XX/XX/XXXX for XXXX, XXXX, and XX/XX/XXXX. During the conversation the representative never told me my loan was transferring to another loan servicing company. I set up payments for XX/XX/XXXX - {$600.00}. XX/XX/XXXX - {$820.00} and XX/XX/XXXX - {$820.00}. The XXXX and XXXX payments have been processed. I received a letter from Ditech dated XX/XX/XXXX advising me the servicing of my Mortgage was being transferred effective XX/XX/XXXX, with my payment due XX/XX/XXXX. It further stated that Ditech would stop accepting payments received after XX/XX/XXXX. It said if I was currently participating in an automated payment plan with Ditech, my payment plan would be cancelled as part of the transfer of servicing to XXXX. This is not what happened in my case. Ditech processed a payment through my checking account on XX/XX/XXXX. After receiving the XX/XX/XXXX letter from Ditech I started researching to learn more regarding the transfer of servicing. XXXX XXXX XXXX had a welcome to Ditech customers on their website. It said the transfer date would be XX/XX/XXXX. I am finding Ditech to continue with Deceptive trade practice. I requested a copy of my original paperwork before and never received it. My loan should have been paid off or close to be paid off but the practice is deceptive and as a customer I do not know where I am because they fail to be honest. My loan has gone from XXXX XXXX to another servicer, to Ditech and now XXXX although Ditech just processed a payment. They are just taking money from me and saying I owe fees and not being honest. Please help this fraud to stop. I filed a complaint over and year ago and it was partially resolved and now this is happening gain. These are scandals to cause homes to be paid for over what they are worth and what was in the original contract. Ditech even changed my loan number a few months back. Their practice is deceptive and unfair. Ditech unlawfully deducted money from my account on XX/XX/XXXX according to the letter they sent dated XX/XX/XXXX. Please help.
09/16/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AZ 85750	Web
We have a mortgage serviced by Green Tree. In XXXX of this year 2015 It became apparent that my business could no longer sustain my salary. Therefore I elected to go and get another job and put my salary back into the business. I continued making XXXX payment a month but in XXXX I could no longer do this I was only working part time and was looking for a full time job. I called Green Tree explained to them that we had already done a modification and could we do another. I was told it did not matter that we had already done a modification fill out the application submit all paperwork. That is what I did. I faxed in everything. In XXXX I was told we did not qualify because we were missing information XXXX XXXX explained to me I needed to send in back statements and profit and loss from my business. I did. The account was then assigned to XXXX XXXX ext XXXX again I received a letter stating that Green tree needed more information and we missing information our XXXX income pay stubs. I faxed in pay stubs.. In XXXX I called talked to XXXX again our circumstances at my business had changed we had taken on a partner and I would be returning making a salary. XXXX advised me to fill out the application again and send in a letter. I did so. Again, we received a letter stating the modification could not be done due to not turning in information. Each time I received a letter or request I faxed in the required paperwork. After receiving this I called Green Tree and asked for someone in the Loss mitigation department. I spoke to XXXX ext XXXX. XXXX advised me that we were not eligible for a modification since we had XXXX. In 5 months NOT ONE PERSON ADVISED ME OF THIS. XXXX ALSO EXPLAINED THAT WE HAD BEEN SENT THE WRONG LETTER EXPLAINING WHY GREEN TREE COULD NOT DO THE MODIFICATION. I ASKED GREEN TREE TO SIMPLY REINSTATE THE MODIFICATION AND WE WOULD BEGIN MAKING MORTGAGE PAYMENTS. DURING THIS ENTIRE TIME I WAS TOLD I COULD NOT MAKE A PAYMENT. HELP WE DO NOT WANT TO LOSE OUR HOME. XXXX AND XXXX XXXX XXXX LOAN NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
08/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 173XX	Web
I suffered a home fire on XX/XX/XXXX ... .unbeknownst to me XXXX XXXX XXXX allowed my insurance to lapse in XX/XX/XXXX .... Then they transferred servicing my mortgage to GREENTREE . GREENTREE activated a forced-place policy on my home and now it 's XXXX XXXX years later and I am constantly battling with them to transfer money allotted to me from the insurance company to rebuild the home. I have since purchased a manufactured home, disassembled the burnt structure, cleaned the foundation and installed the manufactured home on the foundation. During all this it 's been a constant back and forth, delays, no return phone calls, just a ridiculous amount of stalling to get GREENTREE to reissue the money that the insurance company had sent and was to be relayed back to me within 7-10 days ... ( their words ) .The latest issue is that they have had {$5000.00} to install gutters and buy materials and have me finish the basement. I have XXXX more projects to complete before the house is issued an occupant permit. One, finish the basement as it was previous to the fire, and two, install a rear porch. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX issued a check for {$5000.00}, to which I endorsed and relayed to GREENTREE. They received the chech the beginning of XXXX. I 've repeatedly called my account manager XXXX, and was repeatedly TOLD that she 'll review it in the next several days. I faxed proper documentation, which they require, W-9, Lien Release, for a portion of the job ... ( install gutters.. {$500.00} ) ... And have been waiting to hear either that she issued the check or something else is needed but have not heard anything despite numerous calls expressing frustration. I 'm appealing to you to please help me with this situation as is has become intolerable. I 'm just looking to finish the repairs on my home based on the estimate they gave me. GREENTREE is totAlly uncooperative in this matter and I 'm hoping you can help me resolve this as I became aware of the fines you imposed on them and that they 're being folded into XXXX ... .THANK YOU!!!
06/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60435	Web
On XX/XX/2016 Ditech , my current mortgage company, processed my payment that was Due on XX/XX/2016 for {$1000.00}. The check had been written for {$1400.00} in the number box but on the written line I inadvertently written in XXXX XXXX XXXX XXXX XXXX XXXX. Ditech then informed via telephone that I was overdue on my XXXX payment on XXXX XXXX. I checked on my credit union web site and saw ditech had processed my check and recieved payment for the XXXX payment on XXXX XXXX. It was then that it was discovered that Ditech processed the payment for the amount written in the line.The Ditech customer service Representative claimed that Ditech processes checks for the amount written on the line not what is in the numerical box. I was directed to submit a check for {$400.00}, which I did, and that check was processed on XXXX XXXX. I had also sent my for XXXX 2016 the same day without a remittance coupon because Ditech did n't send out on because they were showing non payment for XXXX. The XXXX payment check was Processed on XXXX XXXX, 2016. Ditech then called XX/XX/XXXX asking if I was going to send a payment for XXXX. While I was on the phone with Ditech I checked with my credit union and the XXXX payment had been paid on XXXX XXXX. The Ditech Customer service representative said there was nothing they could do and I needed to send payment. At this point I requested a supervisor and gotten transferred to XXXX at ext XXXX and have only had her working on getting my account straight. On XXXX XXXX I submitted a check for the XXXX payment with absolute scribble written in the amount line and the correct amount written in the numerical box. My credit union processed that check after Ditech took it upon themselves to print in {$1400.00} on the written line and process that check in direct violaton of what I was told several timesof thier policy. I have been trying to get my account properly credited with Ditech through the customer service center to no avail I need help getting this mess straightened out before Ditech processes me for foreclosure.
05/26/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 865XX	Web
It all started when Ditech changed my account number, previous to this change, I use to pay my mortgage and insurance together, to that same company. I use to pay XXXX XXXX every month but with the account change, it made paying my mortgage and insurance difficult. XX/XX/2019, was when my account number has changed for both my mortgage and insurance. I made payment via XXXX XXXX of {$340.00} on XX/XX/2019. On XX/XX/2019, I made two separate payments of {$280.00} for my mortgage and {$75.00} for my insurance via Money orders. with my XXXX payment Ditech combined these payments to my insurance and not my mortgage. On both of these payments I included separate account numbers for my mortgage and insurance. I don't understand how Ditech could have combined both payments, if they both included different account numbers. On XX/XX/2019, I got a notice that I was suppose to include {$15.00} to my payments for accidental death insurance, which I included in XXXX and for XXXX. I also made a XXXX XXXX payment to Ditech for XXXX for my mortgage and XXXX for my insurance on XX/XX/2019. On XX/XX/2019, I made a payment of XXXX for my combined mortgage and accidental death insurance. On XX/XX/2019, I received a notice from Ditech that I am delinquent on my mortgage for the months of XXXX, XXXX, XXXX and XXXX for the amount of {$1100.00}. I have proof of all my payments and have been losing sleep and being worried since I discovered that Ditech stated that they didn't receive my payments. I have done XXXX inquiries of who and where the Money orders have been sent and it was Ditech that received them. I have lost additional fund doing Money order inquires. I called Ditech been put on hold multiple times or no answers. I am trying to find out where XXXX insurance payment went, because they stated they did not receive it. In addition to all this fiasco, Ditech informed me that starting in XXXX, my insurance is to be paid to another company, world financial. But, according to XXXX payments, they included my mortgage payment in the insurance account.
04/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78739	Web
DiTech Mortgage is improperly placing a 30 day late on my mortgage trade line. I make extra payments nearly every month, just in case a payment isn't received by mail, or if payment changes and I haven't been warned ( See attached Payment History ). I received a notice that showed an account number different than the one I have on my ACH payments from XXXX XXXX. There are 2 accounts with DiTech that are in my name, but one of them is managed by my ex-wife and has been for over 10 years. So, I thought it might be hers. I would have been able to take care of this notice of short payment if the letter had the property address on it, but it didn't. I found that really odd. So, by the time I was able to hear back from my ex-wife, we were at the XX/XX/XXXX and a bit over {$100.00} was due. Since I was not at home or had bank routing information when speaking with a diTech representative, I had no choice but to send an ACH payment THAT DAY from my mobile phone ( See attached DiTech Supp Pmt ). My bank shows to have executed a payment on XX/XX/XXXX. DiTech is noting they didn't receive the electronic payment until XX/XX/XXXX ( See Payment History ). DiTech also is not applying my money payments WHEN RECEIVED. They claim to keep money " in suspense '' until the full amount is paid. My note ( See attached ) makes no mention of lender being allowed to hold payment and not apply it to the balance immediately. They are also not sharing with me where the money is being held, if it is collecting interest, and who is entitled to that interest. I ask that DiTech and ALL OTHER lenders CEASE and DESIST from this business practice of holding money in suspense. So, the bottom line is that I am paid well in advance of my amortization schedule, I pay extra every month so that nobody may report me as not being credit worthy, or paying back on time. I feel they are trying alternative ways to make money. I want late fees credited, the 30 day late removed from my credit, and a letter from DiTech stating their apologies for improperly handling this matter.
01/28/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MD 20877	Web
3 years ago I was unemployed and could n't continue paying my mortgage. I asked the bank for assistance at the time it was Green Tree. They approved me for a loan modification in XXXX 2015. I gave my bank information for all three trial period payments to be automatically withdrawn. I was told to call back XX/XX/2015 if I had n't received the final loan modification agreement. I called and instead of a final loan modification agreement I was notified that they had n't processed any of the payments and my case had been closed. They did internal investigation and determined it had been a mistake on their side and told me to submit the application again. The bank then became Ditech and everything was a disaster after that. I got a letter dated XXXX XXXX, 2015 stating they had a complete package and the file was under review awaiting a decision. 2 weeks later I called to find out why it was taking so long to make a decision, to my horror I was told that my property had been sold on XXXX XXXX, 2015 and that for that reason they had to close the loan modification case. I was NEVER notified of any foreclosure proceedings and EVEN LESS of any sale date. I have called so many times and keep being transferred from department to department and no one can explain how the property was sold without them knowing or notifying me. On XXXX XXXX I called again and was told from now on I need to contact Fannie Mae instead. I did and was told they will start an investigation but representative basically told me to just ask the listing agent they have assigned to my property to beg her for cash for keys. I do n't want to do that. I have been trying for years to reach an agreement with the bank so I can bring my loan up to date and keep being denied even though I know for a fact I qualify for a loan modification. Please help me. I do n't know what else to do. They just refuse to help me and XXXX knows I did not default on my loan because of negligence on my part. I am a father and my children will be homeless in this cold winter if they refuse to help.
02/15/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	AZ 85392	Web
I am currently in a dispute with a new lender who has acknowledge their is an error. My loan has been transferred from XXXX XXXX XXXX with a HELOC that was forgiven along with an idenmification loss note affidavit. Ever since then, I have been trying to get these charges removed by Green Tree, Ditech and now Ditech has sold my loan to a Trustee who purchased my loan. She waited until I was in foreclosure and sold my loan at an auction. I was in XXXX XXXX bankruptcy while disputing with Ditech and my bankruptcy was dismissed in XX/XX/XXXX, I reinstated it but did not get a bk number because attorney stated I needed to have the arrears move from my account which is why I contacted Ditech and XXXX XXXX beginning in XX/XX/XXXX, but they kept transferring me to different dept. which led me to the attorney. However, she is unaware that my note was filed at the county recorder incorrect, the investor is XXXX XXXX, who I tried to get help from and who turned me away because I was in a class action law suit against Ditech Holding for not handling my account correctly. In XXXX of XXXX, I was transferred to XXXX XXXX Bankruptcy Department, then I started receiving statements from XXXX XXXX who owns the rights to my loan. I contacted XXXX XXXX and they transferred me to Ditech, then Ditech transferred me to the Mortgage Law Attorney 's voice mail who is on the Trustee Sale, an agent for Ditech. After faxing my information regarding my error to XXXX XXXX, they said they are not responsible and said that XXXX XXXX. Now XXXX XXXX acknowledges there is an error but after filing a complaint against Ditech on XX/XX/XXXX, I received a letter on XX/XX/XXXX stating they are still investigating, then on XX/XX/XXXX, I got a letter of eviction ; giving me 5 days to vacate which will be XX/XX/XXXX. I have an attorney from XXXX XXXX XXXX working with my lender to get the numbers and Hud also, so I wanted to file this complaint while my complaint is being reviewed by the attorney, Hud, FTC also has my complaint regarding the manner my house was sold.
05/07/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 93291	Web
On XXXX I got an escrow letter from my mortgage lender ( Ditech ), as soon I saw the letter I knew it was not right. My payment was going to be really high and I noticed they didn't credited some payments to my escrow due to a lower hazard insurance and a returned check for {$1600.00}. I called Ditech and fought many times for an escrow analysis. By the end of XXXX nothing had been resolved it despite 4 escrow analysis had been made. on XX/XX/XXXX XXXX I got an escrow analysis which I agreed with the numbers. The new monthly payments was going to be {$920.00}. I saw all adjustments and credits. but the problem continued I asked Ditech to send me an statement with the right amounts which todays date they never did. every time I got my monthly statement come with different numbers. its been a night mare because when I call costumer service they agree with my number but in paper is totally different. I had spoke with many Ditech supervisors but the problem continues. one time they tried to charge me a late penalty. I called them and they avoid it. I am glad that I have a little education that helps me to see and recognize when something its not right but Ditech don't assume its responsibility and fix the problem. now Ditech sold my loan to XXXX. XXXX send me a welcome letter with different monthly payment ( {$1000.00} ). I am worry because Ditech did not fix the problem and transferred me with wrong number. Can you see how the problem continues. when I talk to Ditech supervisors on the phone they say everting is fine but in writing is totally different. I just want to pay what legally I am entire to- no more no less. but I need all these in writing. its been almost a year and the problem persist. I wish I can write all issues Ditched Financial LLC created but my XXXX is limited. Many time they try to force me to pay what they have on the statement. Many time came to my mine that I will lose my house because I will not have the monthly payment to cover it. when a CFPB representative contact me I will submit all evidence I have.
11/15/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	WA 99203	Web
XX/XX/XXXX, I obtained a mortgage through XXXX for {$250000.00}. This mortgage was subsequently sold to XXXX, which sold it to XXXX XXXX XXXX, which sold it to Green Tree Financial -- all within the space of 4 years. Some time after that, Green Tree Financial turned into Ditech Financial and sold the mortgage to itself. XX/XX/XXXX, I could no longer keep the property, notified XXXX XXXX XXXX ( which was still holding the mortgage at that time ) of this fact, after ascertaining that I could n't rent it out, nor was I permitted to get a tenant in to help financially. Before I left the house, I ensured that the rooms were freshly painted, septic tank emptied, fence painted, roof issues corrected, swamp cooler serviced, termite inspection carried out, vents cleaned, house cleaned, and landscaping maintained. My XXXX children and I moved out of state. Initially in trying to work with Green Tree, I was told I could try to sell the house through them. I took all necessary steps, did all the paperwork required and had it all vetted, only to be told at the last minute that the solution would n't work since I was an 'absentee landlord '. I found a realtor who dealt in 'short sells ', worked with him, with the knowledge of Green Tree Financial , to effect this solution. The realtor had a buyer for the property, was presenting the offer to Green Tree, then both he and I were notified that the property was being put up for Sheriff 's Sale. The Sheriff 's Sale was effected, Green Tree sold the property to itself for {$200000.00} then subsequently resold it to the new owner. Now Green Tree itself is calling itself Ditech, has written off the mortgage, hit my credit report several times, reported to the IRS that I had realized a 'so many thousands of dollars of income ' in a year, so that I incurred further attorney 's fees to fight this outright lie. None of the following : XXXX, XXXX, XXXX XXXX XXXX, Green Tree, nor Ditech have lost a single cent on these transactions, but I most definitely have lost a lot. I want them to cease and desist.
06/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 780XX	Web	Servicemember
We received a statement from Ditech dated XX/XX/XXXX, informing us that the mortgage payment was increasing from {$480.00} to {$1000.00} effective XX/XX/XXXX. I called Ditech at the beginning of XXXX after receiving the notice to inquire as to what was going on and why was an escrow account set up on our mortgage account. I was told the escrow account was set up to pay the property taxes. I informed them and also sent copies of " The Tax Deferred for XXXX and over '' agreement we have with XXXX XXXX. Ditech claimed that they had been paying the taxes even though we had an agreement with the county. A Ditech representative said they would be researching. I also told them that we had never had an escrow account, that we had always paid our taxes and insurance directly to the tax office and insurance company since XXXX. I informed Ditech that we had never approved an escrow account and to remove it. After numerous calls to Ditech, I was told by a Tax Department representative that they had never paid property taxes. I was then told that the Escrow account was paying the homeowners insurance. I also informed this department that we have always paid the insurance directly to the insurance company. After additional calls and conversations I was told by the XXXX XXXX that they were NOT paying the insurance on the property. At this point I was told by a Ditech Customer Service Representative that I could not talk directly to anyone in the Escrow Department, that they do not talk directly to customers. After several more attempts to resolve this matter, I was told by a representative from the XXXX XXXX that the Escrow account had been set up for future use in case the Tax Deferred for XXXX and over was dismissed or deleted. I was told by the XXXX and XXXX XXXX ( XX/XX/XXXX ) that they submitted a request to have the Escrow account removed from the account immediately. I was told that request would take 7-10 business days to complete. I am currently waiting for written confirmation that this has been done.
01/11/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	NC 27591	Web
About 6 months ago, I submitted a complaint directly to Ditech and to the cfpb. Ditech made several errors on my mortgage including changing my mortgage without my knowledge to include an escrow, incorrectly documenting that they paid my taxes, and reporting me delinquent to the credit bureau. This has caused and continues to cause me a great amount of stress and frustration. The complaint was closed with Ditech stating they had remedied the problem. I am now trying to purchase a car and pulled my credit report about 1 week ago only to discover that they are still reporting me delinquent. I called Ditech again and was transferred from department to department being told by each that it was a different departments responsibility. I asked multiple times to speak directly to a manager due to the ongoing nature of this problem and was denied and cut off while trying to explain the issue. After being placed on hold for several minutes the representative told me she saw the problem was because the escrow errors were never fixed and she would submit a complaint to that department. I told her the last complaint took close to 6 months to resolve and it was never actually resolved and it has caused my credit score to drop several points. I asked to speak to a manager again and she said there is nothing they can do. I told the lady I would pay whatever I needed to pay in order for them to make my mortgage right and remove the derogatory information from my credit report, however, prior to paying anything I wanted something in writing from them stating that they would remove the derogatory information. She said they would not do this and my only option was to wait for the complaint to go through the process. This company is very poorly run and one hand does not know what the other is doing. I pay my mortgage every month and continue to get letters offering options for financial distress. I want the errors on my mortgage fixed immediately and my credit report corrected. I do n't understand why ditech ca n't fix the problem they created.
04/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32935	Web
Greentree Mortgage Servicing, I originally had my mortgage with G.M.A.C. Greentree took it over and it 's been a nightmare ever since. I get behind and they wo n't accept my payments. Yesterday I tried for several hours and got stonewalled, insulted, treated horribly, they even threatened to liquidate my home out from under me. I also get ripped off by their {$12.00} speedpay to pay over the phone. I attempted to pay {$1100.00} that would be XXXX Mortgage payments and they flatly refused to accept it. Their word was unacceptable. They wanted {$1500.00}. I received a letter from them that stated they would accept that if paid in 30 days. I told them this on the phone and she /they said to bad we want more. I struggled to get that paid within the time allotted. They said they were their to help me which I knew was XXXX. They wanted a loan modification. Being as I 'm not stupid and they would screw me either way I sent a {$1100.00} to their South Dakota address after being told by another XXXX of their lying reps to send it to a XXXX address. I said to him that 's not going to happen and hung up. I sent the check to a post office box with a return receipt requested. The young lady at the post office stated they put a notice in their ( greentrees ) P.O. box and they have to sign for it right there. It cost me {$19.00} to do that. It would have cost {$45.00} to Fed Ex the check overnight. They will now have it on the XXXX which technically is past my 30 days to pay per the letter I received. I tried repeatedly to pay what they requested over the phone on the XXXX and they said too bad. That 's the way it is. The female actually said to me the first one to hang up loses. I put the phone down and walked away. I came back shortly just to find her still on the line. What kind of company are these people. I now threaten them in return. I totally understand why people snap. I want to go to a Greentree Building and do just that. The sleep I 've lost. The stress they have caused me and they do n't care. I 've had enough. Help! XXXX XXXX
06/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 100XX	Web
The borrower has XXXX mortgages secured by her home. The first is serviced by Green Tree and the second is serviced by XXXX XXXX XXXX. The borrower defaulted on both mortgages in XXXX 2013, after her husband passed away. Soon after she defaulted, the borrower submitted a modification application to Green Tree. By letter dated XXXX XXXX, 2013, Green Tree offered the borrower a Trial Period Plan for a XXXX Loan Modification. This trial period plan commenced with an XXXX XXXX, 2013 payment of {$2200.00} and ended with a XXXX XXXX, 2013 payment of {$2200.00}. After the borrower successfully completed this trial period plan, Green Tree offered the borrower a permanent loan modification agreement. The borrower signed the permanent modification agreement on XXXX XXXX, 2013 and Green Tree signed the agreement on XXXX XXXX, 2013. Since this time, the borrower has been current on her XXXX lien mortgage loan. The borrower is now attempting to modify the XXXX lien mortgage loan, which is serviced by XXXX XXXX XXXX, a participant in the XXXX Lien Modification Program ( " XXXX '' ). During the application process, the borrower provided XXXX XXXX XXXX with a copy of the permanent loan modification agreement executed by Green Tree and proof that she is current on her first mortgage. The borrower then requested to be evaluated for a " XXXX '' modification for her second lien mortgage loan, because her XXXX lien mortgage loan had received what appears to be a XXXX Standard Modification. After conducting its review, XXXX XXXX XXXX informed the borrower that Green Tree had not properly reported the first lien mortgage loan modification to XXXX. Consequently, XXXX could not provide matching information to XXXX XXXX XXXX so that XXXX XXXX XXXX could then extend the borrower a XXXX modification. The borrower then mailed Green Tree a Notice of Error, explaining the aforementioned error, and requesting that Green Tree properly report the loan modification to XXXX so that the required loan information is accurately reflected in the XXXX database.
11/01/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 622XX	Web
Around XX/XX/2018 I contacted my mortgage company to see if they were having refinancing specials such as paying for the appraisals and they said yes. So I applied to refinance on my home. They asked me what I thought the value was and I told them what last years ' value was based on a previous refinance which was {$160000.00}. I was approved to refinance and after submitting all my paperwork I was told a few of weeks later that an appraiser needed to come out and that I had to pay {$510.00} for it. I questioned the part about having to pay because initially I was told that I wouldn't have to so after consulting with their people, they said that I would get it back in closing. I asked if they could use the appraisal from last year since it was with the same mortgage company and they said no. Well the appraisal came back less than the previous years ' report. It was appraised at {$120000.00} and they denied me the refinance. I don't understand why my approval was based on last years and if that was the determining factor why didn't they do that first. I owe {$100000.00} on my home and couldn't understand why they wouldn't just refinance it with that amount. I felt discrimination from the appraisers when they came out and that they wouldn't give me a fair report. The home across the road from mine is listed to sell for {$490000.00} and the homes are valued much higher than that. I disputed that appraisal because the report wasn't accurate and the listing on XXXX doesn't give the accurate report of my home. The sq ft that's listed on XXXX is 1495 when actually it's 3400 sq ft. My dispute was denied and if I wanted to proceed with the loan application I would have to bring {$10000.00} to closing which I didn't understand. So the loan was denied and I'm out of {$510.00} and another inquiry on my credit report for the next 2 years. Which caused my score to drop. I still would like to refinance my home to take care of the financial needs that I have. I'm not sure what to do at this point and need help to at least get a refund.
03/10/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60630	Web	Servicemember
To whom it may concern good afternoon I have a huge issue with Ditech XXXX account number of my loan is # XXXX The phone number is XXXX and their address is XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX United States On XX/XX/2017 I had to call Ditech XXXX to found out what my pay off is, they told me a payoff of {$1800.00} they also told me that the company policy I could not make the payment like I normally do on the computer or online I would have to mail my check with the payoff letter that they were going to send me in the email to a different location office on XXXX XXXX in XXXX Illinois the letter that they sent me was generated on XX/XX/XXXX I got the letter in the mail I cut a check for {$1800.00} for the pay off amount which you would see in my evidence file Im forwarding to you come to found out on XXXX XXXX the second day they generated the payoff letter my payoff had increase because they decided to pay my property taxes for XXXX XXXX of XXXX XXXX when they got my {$1800.00} check they never cashed it, I got call from them In the middle of XXXX telling me that I was delinquent on my mortgage when I question why so they told me that the payoff had changed I ask them why did not you and please cash the check I wouldnt of been late on my XXXX payment plus I never instructed you to pay my taxes after me paying off the whole loan with you We have no more business to conduct together they kept telling me that they will have a manager contact me and XXXX this matter out never heard from anyone what there are trying to do to me now Is ruining my life and Report to the credit agenciesmy XXXX payment is late Please I need you help this is a company if you look them up they are currently under two different class action lawsuit because what they did to me they did it to many other consumers I have paid these people XXXX payments perfectly on time never missed one in at the last payment they trying to my life Please please help me I was not late on the last payment in the evidence you would see a copy of my check
07/03/2019	Yes	Mortgage FHA mortgage	Closing on a mortgage	TX 76063	Web	Servicemember
I was contacted to apply for a XXXX FHA Mortgage by my current mortgage holder. After getting the approval I let them know I was going to shop the rate and I did. I found another company who was offering me the same mortgage program for .75 % lower rate. I also let them know I was going to shop that rate back to the original loan originator and they said that wasn't a problem. Fast forward a few weeks and due to the original loan originators unwillingness or inability to match or come close to the same rate I decided to go with the second company but let them ( the original ) know if things went sideways with the second i'd come back for theirs. I was told by the original company they were going to close my file down regardless and I asked them not to. There were no further communications from me to them, or them to me. The second company filed for a release of the FHA Case number on Monday XX/XX/2019. Later that day I got an email from the original loan originator asking for additional information from me which I provided. I figured they were positioning themselves in the event something went south with the second company. The FHA guidelines indicate a 3 day grace period to release the case as I was already clear to close once the second company got the case number. Today, Wednesday XX/XX/2019 at XXXX this morning I received a call for the original company and was asked if I wanted to release the FHA case file to the second due to a refinance. I said yes. About 10 minutes later I received a call from the original company which I was unable to accept. An hour and I hear from the loan coordinator at the second company indicating i'm still clear to close ; however, the original company still hasn't released the FHA case file. I sent an email to the original company demanding the release, and after a series of unprofessional emails ( which I have retained ) from them denying any responsibility and in effect taking no responsibility for the failure of them to perform under FHA guidelines due to internal processes.
06/24/2017	Yes	Mortgage VA mortgage	Trouble during payment process	PA XXXXX	Web	Servicemember
XXXX Per your response : According to Ditech records correspondence was mailed to your attention dated XX/XX/XXXX informing you that the servicing of your mortgage loan would be transferred to XXXX XXXX effective XX/XX/XXXX. Specifically Ditech stated that payments would not be accepted from you after XX/XX/XXXX. However, I never received such correspondence. I receive virtually nothing via US mail. Often I do not even clear my roadside mailbox for weeks without a request from the postman. What I would like to know from you is how much NOTICE is required/appropriate to provide a customer before such significant changes are made? Further you responded : Ditech received an email inquiry from you on XX/XX/XXXXstating that you tried to make a payment online and discovered that your account had been closed. Ditech responded to your inquiry on XX/XX/XXXX, explaining again that your account was sold to XXXX XXXX on XX/XX/XXXX. This is indeed true. In this particular month I was experiencing issues with my automatic BillPayer service and planned to pay online. Since I experienced problems I was force to manually send a check. I stated in said email that the account indicated it was closed. Knowing my loan had not been forgiven I merely assumed the site was mess-up. As to any XX/XX/XXXX mailing please see my earlier response. Additionally, I was at my PA home by XX/XX/XXXXthru XX/XX/XXXX and please note that Ditech doesnt claim to have responded to my email, with an email. Or by phone contact for that matter. My check was cashed by Ditech so no further thought was given to your site problem. As for the balance of your reply you are incorrect. Ditech received monthly payments thru XX/XX/XXXX. All except XX/XX/XXXX ( check ) were electrically sent by my BillPayer system and accepted by Ditech, per my provider. With regard to any checks you plan to send, do not send them to me. Send them to XXXX XXXX, the rightful owner. Ive reported this nonsense to the VA in the hopes they will discontinue the use of such flawed providers.
07/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 49686	Web
Green Tree Servicing , LLC is XXXX of the worst companies I 've ever dealt with. After being assured that I was approved for a loan modification, Green Tree kept requesting the same documents over and over. I submitted at least a XXXX packets of the same exact documents, only to be told they were never received, at which time they started foreclosure proceedings. They also harassed and threatened me many, many times on the phone, sometimes up to XXXX phone calls per day, often swearing at me over the phone. They also contacted my family members by phone and threatened them, as well, giving these XXXX parties information on my Green Tree debt. I thought XXXX XXXX XXXX customer service was bad, but when my mortgage was sold to Green Tree, I learned that their practices and customer service are XXXX times worse. My account representative, XXXX XXXX ( XXXX, ext XXXX ) was not only disrespectful and harassing, but she would not give me the information I needed, including the amount due on my mortgage. She also hung up on me many times. XXXX XXXX also insisted that my AUTO insurance was part of my escrow balance. I knew this was n't true and called my auto insurance company to confirm. When I called the office of XXXX XXXX, president of Green Tree Service, LLC ( XXXX ), I was given an amount due to bring my account current. I called again to confirm that the amount was correct and was given a different figure. They then insisted on transferring me to XXXX XXXX, who again, would not give me any info or payment options to bring the account current. I 've dealt with other Green Tree representatives, as well, and both XXXX XXXX and others noted that nonpayment of my mortgage could result in arrest or imprisonment. Green Tree pressured me to use a payment system known as XXXX, a pay-by-phone service that charges {$12.00}, even though other payment options were available to me. The level of incompetence of Green Tree representatives is shocking, and I hope that steps are being taken to make this situation right.
10/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92679	Web
We originally had a loan with XXXX. It was serviced by Greentree for a while and now Ditech. We 've had a terrible experience with both Greentree and Ditech. In the past I submitted complaints about Greentree with the Department of Business Oversight.Therefore, I 'll limit this complaint to my experience with Ditech. We were making biweekly payments with XXXX and have continued making biweekly payments all along. Ditech apparently ca n't handle biweekly payments. I have spent countless hours trying to figure out what they are doing. There were a couple of months where my balance went up instead of down and they were charging late fees for electronic payments that were deducted directly from our account. As a matter of fact, they should have had excess money, as I recently started making additional payments to reduce the principal balance. Having the extra payment be applied directly to principal reduction is also a challenge. They hold the money in an unapplied funds account. I have to call to make sure they apply the funds towards principal reduction. Every time I call I get different explanations. Regarding the late fee, they said that the payment for XXXX XXXX, 2016 was returned. We checked our XXXX XXXX account and the funds were withdrawn. When I called back the new customer rep said that the funds for XXXX were there. Now he says the the XXXX XXXX statement was returned. This was not the first time they claimed a payment was returned and charged a late fee when, in fact, the money was withdrawn from our bank account. It is impossible to know how they are applying our payments as they misapply funds and they go back and reallocate the money. On the website you ca n't see the details unless you click on it. Which makes it extremely hard to see the full picture. I have requested numerous times an amortization schedule based on biweekly payments, and every time they send me an amortization schedule based on monthly payments. At this point I have XXXX confidence on ditech being able to service my loan.
04/29/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30542	Web
Currently have a HAMP mortgage with Di-Tech Financial, LLC. ( Acct. # XXXX XXXX Di-Tech so far has only processed and paid {$1000.00} of the promised HAMP incentives of {$10000.00}. ( XXXX {$1000.00} payments and XXXX {$5000.00} payment on the XXXX Anniv..date of the HAMP modification. ( XXXX. XXXX ) I believe this is due in part to Di-Tech 's failure to timely submit the required documents to the US Dept. of the Treasury. XX/XX/XXXX, I received a letter from Di_tech informing me I needed to return the Dodd Frank Certification Letter to apply for the one time principal balance reduction of {$5000.00}. I uploaded the Form XXXX and a Quit claim deed from my Ex-Wife on XXXX XXXX, XXXX. Since the XXXX form required both buyer and co-buyer signatures. I then contacted Di-Tech Customer Service to inquire about the need for my Ex-Wife to sign the XXXX Form. At first, they stated they had all documentation that was needed. Later I called again after not receiving any confirmation. I was transferred to Di-Techs Loss Mitigation Admin. that told me they did not have the documents needed.. On XXXX XXXX, I uploaded my Final Judgement and Decree Of Divorce as proof my ex and I Divorced in XXXX. The {$5000.00} was supposed to be posted to my account in XXXX XXXX. I have called Di-Tech 's Customer Service many times and asked if they had enough Documentation to proceed and submit to the US Dept. of the Treasury. In my latest conversation with Di-Tech CS, I talked to XXXX XXXX from XXXX Fl. about the situation. She located all uploaded documents but did not know why they have n't been submitted to the proper agency for processing. She also explained that there where supposed to be XXXX ( XXXX ) {$1000.00} payments and the {$5000.00} payment as part of the HAMP incentives. .. According to my account payment History, only XXXX ( XXXX ) {$1000.00} payment was made on XXXX XXXX, XXXX. So ( XXXX ) {$1000.00} & the one time {$5000.00} payment remain to be paid. Please see the XXXX supporting documents that have been uploaded.
02/02/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 91941	Web
I submitted an online bill payment to Ditech for a mortgage payment on XX/XX/XXXX and confirmed with my bank ( XXXX XXXX XXXX ) that the payment was mailed XX/XX/XXXX. I was advised by a Ditech rep XX/XX/XXXX that payments are backdated based on when payment was postdated, which I learned later may be incorrect. Ditech posted my XX/XX/XXXX payment on XX/XX/XXXX and reported 30-day late with all XXXX major credit bureaus. I called Ditech XX/XX/XXXX and they advised me they would escalate my customer service issue to a supervisor named XXXX XXXX so they can review recorded calls substantiating how I was misadvised on payment processing/posting times. I did not receive a call or any correspondence from Ditech so I conducted a conference call between my bank & Ditech to resolve payment issue on XX/XX/XXXX. I spoke to XXXX XXXX at Ditech and she was very dismissive of my request and became very agitated indicating there was no wrongdoing on their end in regards to posting 30-day late. I simply asked how they verify when a mailed payment was received and she gave me XXXX inconsistent responses. The first response indicated a Ditech employee stamps the payment with a date of receipt while later during the call, she indicated that I should call the XXXX post office because they stamp when it was rec 'd. Understanding that the call would not result in a resolution, I ended the call respectfully. I was wrongfully treated as a customer who habitually makes derogatory payments. I work in the mortgage industry and understand the importance of making timely payments. I have not had any 30-day late payments since XX/XX/XXXX, which is testament to my character and willingness to pay-as-agreed but Ditech thought otherwise and was unwilling to further investigate why the payment was processed a week after it was sent out when my previous 6 payments were made thru the same system but was posted within 1-2 days of when it was mailed. Please contact me so I can provide more details and provide documentation to support my claim.
08/18/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	TX 762XX	Web	Older American
On XXXX XXXX, XXXX I entered into a real estate installment contract with The XXXX XXXX for the purchase of a mobile home. The amount financed was XXXX and the interest was@9.50 % totaling a finance charge of XXXX for a contract total of XXXX. At some point in XXXX XXXX sold This contract to Green Tree Servicing. I received notice of this via a monthly statement from GT. I continued payments never missing one payment and incurring a late charge. On XXXX/XXXX/XXXX I received a notice from GT That my loan was seriously delinquent and I phoned GT and spoke to a XXXX XXXX who reviewed my account and informed me that my loan was, in fact, paid in full. She further stated that there was an error in the interest calculations. I made a total of XXXX payments totaling XXXX against a contract total of XXXX resulting in an over payment of XXXX. I therefore cancelled my last payment of XXXX and expected this matter to be taken care of. In XXXX of XXXX I spoke to a manager named XXXX XXXX who informed me that the error was recognized and would be corrected and written off. I heard nothing more from them until I received a letter from them dated XXXX/XXXX/XXXX stating that I owed them XXXX. I contacted the number on the letter and was informed that my account had been turned over for collection. They would not listen or accept any information to the contrary and wanted their payment. I refused to pay a debt that I did not owe. I called for XXXX XXXX, XXXX XXXX and a lady named XXXX and was unable to get in touch with anyone. Next I started receiving a multitude of calls from various collection agencies and explained to each of them that I did not owe this " debt '' finally the calls stopped. Today I received a letter from GT That showed a new creditor XXXX. and that it was an attempt to collect a debt. This is the operable straw that broke the camels back. Enough is Enough.I do not owe these people any money! If I had any inkling or could be shown any documentation that I did I would have paid them a long long time ago.
03/22/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AL 357XX	Web
Applied for a modification with Ditech at the beginning of XXXX. Called repeatedly and was told they did not receive the package and ask for more documentation which I would fax and mail repeatedly. This went on for months and finally in XXXX they indicated they had finally received everything. In XXXX I received a letter from XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. stating the mortgage was in default. I contacted Ditech and was told to disregard the letter and it would take 30 days for them to review the modification package. On XXXX/XXXX/XXXX there was a foreclosure notice published on my property. I contacted XXXX XXXX XXXX to find out if anyone was going to let us know about the foreclosure because we have received NO type of notification or letter from Ditech or XXXX XXXX XXXX, XXXX. and was told that I obviously did not know how foreclosures worked. I ask for a payoff and was told it would have to be requested and sent to Ditech which they were doing. As of today XXXX/XXXX/XXXX I have still not received anything from anyone. I called Ditech today to request a payoff and was told they could not give me a payoff only a reinstatement amount of {$21000.00} food through XXXX XXXX, XXXX. I was told I could not payoff my mortgage at this time that I would have to pay the reinstatement amount first then they could give me a payoff. I explained that we are trying to sell the property but we must have a payoff to know how much to list the property for. Again was told I could not pay off my mortgage balance. I asked if the call was being recorded and was told yes. I am attaching the one and only letter that I got Ditech to email me on XXXX/XXXX/XXXX. They indicated this letter has been mailed to us XXXX XXXX, XXXX but we never received it by mail. Was told today another letter had been mailed on XXXX XXXX, XXXX giving us a breakdown of everything but as of today we have not received anything and when I ask for the representative to please email me the letter that was supposedly mailed out, she hung up on me.
04/17/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33709	Web
im a XXXX yr old XXXX woman collecting an ssdi check of {$780.00} a month i have an equity loan w/ green tree morgaging company ive applied several times to get a loan modification to lower my inerest rate from 8.89 % with 5 % interest on my insurance my taxes includuded are costing {$490.00} a month i have a balance over {$21.00} i also have a first morgage from a private morgage costing {$170.00} a month totaling {$670.00} a month with a balance of {$16.00}. ive tried several times to get a loan modification from green tree w/ them telling me the paperworwork wasnt sent in in time and once i got that notice before i even got the application last time was last month and i just recieved a denial letter reason being i dont make enough money.my ex husband pays the rest of the household bills for me and his paychecks were submitted.i dont understand if i dont make enough money why wont they notify me they are owned by XXXX and XXXX gave me a lot of problems placing forced ins. on me when i was already paying my own ins i complained about this issue and they covered it up after ruining my credit making it impossible for me to get a refinance i have XXXX and XXXX issues and other bills and privatate matters i cant pay due to this rediculous amount of interest i had less than {$3.00} taken of my balance in 10 yrs.i cant afford this each month ive been borrowing money to pay this every month and the XXXX is becoming unbearable is thier anything i can do about this? i need over $ XXXXin home repairs due to falling during XXXX like burned countertop, cracked floortiles and other appliences glasstop stove crack and no working oven i had to have a XXXX and XXXX XXXX and need assisence geting in the shower because my tub is too high i cant even sell my house because it needs to be tented the eaves need to be pained and the outside needs to be painted and the screen room is all ripped, the toilet keeps overflowing and thered mildew in the kitchen sink and the bathtub.and i have to pay co-pays on all my medications.
04/11/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 93308	Web
During our bankruptcy proceedings it was agreed that the escrow account was to be closed in XXXX. During final resolutions the escrow was to remain closed. XXXX On XXXX Ditech started to subvert mortgage payments into an unknown account.. Ditech subverted XXXX mortgage payments to this date into an unknown account. XXXX and XXXX. Ditech failed to notify anyone of the subverted mortgage payments. Ditech has claimed that it made property tax and hazard insurance during the year XXXX/XXXX and XXXX on my behalf. This is not true as I have made every tax and insurance payment. Ditech is requesting to open an escrow account and submitted a false statement to the bankruptcy court in declaring that they have made escrow payments and other unknown payments from an escrow account that was opened on my behalf in secret. Not XXXX monthly statement has reported such payments or expenditures. Ditech is submitting that I be enrolled in a hazard insurance with the cost of XXXX. My current hazard insurance has never lapsed or expired. .My current hazard insurance cost is XXXX. I have not asked nor applied for any hazard insurance from Ditech, especially at the XXXX dollar rate. The practice of subverting hazard insurance is not new as Green Tree attempted to subvert my hazard insurance into XXXX of their own at the cost of XXXX even though my hazard insurance never lapsed or expired. It appears that Ditech is doing this to " qualify '' its practices of subverting my monthly mortgage payments. This was a common practice that the FTC discovered Green Tree was practicing and it appears that they are still practiciing this unlawful activity. I have filed several complaints directly with Ditech about their unlawful escrow activity. They have refused to answer any of my complaints. Ditech is starting to do exactly what Green Tree did that finally forced myself into bankruptcy. Even though Ditech admitted no wrongdoing, no foreclosure fees and attorney fees were assessed against myself during the Bankruptcy proceedings.
06/10/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NC 27610	Web
I made an additional Prinicipal Payment to my loan in the amount of {$1400.00} on XXXX/XXXX/XXXX. The payment credited to the account on XXXX/XXXX/XXXX ( {$970.00} to principal, {$93.00} to interest, {$170.00} to late fees and {$190.00} to escrow ). The payment I sent along with a detailed itemized statement was to be applied as follows ; {$950.00} to additional principal, {$470.00} to late fees and {$15.00} to ISF fee. XXXX/XXXX/XXXX I called in and spoke with CSR who advised she would open a ticket to have the correction made. I was advised the correction would take 7- days. On XXXX/XXXX/XXXX the correction to my account had not been processed/updated so I called back and asked for a supervisor. I got XXXX who apologized for the issue however advised he would ensure the correction was made. He also advised he would credit my past due amount $ XXXX. I confirmed the amounts which should have been credited and he reassured me he would call me back with the next three - five days to confirm the adjustments to the account. I did not hear back from XXXX. XXXX/XXXX/XXXX I called back, asked for XXXX who was not available. The CSR transferred me to XXXX ( TX Callcenter ). It is my interaction with XXXX which is prompting my complaint. After being on the call for 15 minutes and 43 seconds with XXXX asking me the same question over an over again " do you want payment applied to XXXX or not XXXX that is all I am asking you " and me replying with " no, I have advised you this 3 time already '', she went on to advise me that she did n't need me to " break anything down '' for her as she was clearly able to see what should be corrected and told me to hold while she made the correction. XXXX indeed did not put me on hold simply muted her headset line, I XXXX and know the difference, and released the call without confirming or calling back to me as the customer to reassure me that the issue after ( 3 ) failed attempts would be resolved. It is currently XXXX My call with XXXX was released adversely by her at XXXX
12/31/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22201	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am sending you the facts of my Consumer Financial Protection Agency complaint against your company, in the hopes that you may use the information to conduct your business in a less predatory / more honest way. In 2015 your insurance was added to my account without my knowledge or authorization, resulting in monthly charges of XXXX, totally {$350.00} at present. My husband, who is authorized to discuss my mortgage account but not make changes to it, attempted to make a claim, describing to your agent a sewer line problem in our house. After several weeks, your company was able to dispatch a plumber to our house who said the problem could not be addressed because the pipes were not " accessible '', but still charged us {$85.00} for the visit. My complaints are : 1 ) The insurance was added to my account without my request 2 ) When service was requested, it took 3 weeks to get a response 3 ) When response was made, a plumber was sent even though the condition was falls within the very broad and very subjective exclusions in your policy regarding " inaccessibility '' of pipes, etc. As if the representative was aware that the issue was not covered, they listed the problem as a water line problem when it was clearly stated twice to be a sewer issue. I request : 1 ) Immediately stop charging my Ditech account for the property at XXXX XXXX, VA XXXX 2 ) Refund of {$350.00} I was improperly charged for nearly fictitious insurance, which in any event was not available in a timely manner when it was requested 3 ) Refund of {$85.00} we paid as a result of the incorrect and deliberate dispatch of plumber for issues that were obviously not covered Were you ( or an external regulator ) to impose transparency and integrity on your practices, attention should be paid 1 ) how customers are signed up ( a signature or voice recording would be advisable ) ; 2 ) how exclusions are disclosed upon sign-up and upon service requests.
08/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91754	Web
XXXX I faxed my " Loss Mitigation " Paper work to the XXXX AZ office. I called the phone number on the loss mitigation papers { which was completely different than XXXX Number } later that day to see if they received it and I was redirected to XXXX XXXX She told me it looked like they got some of the papers I sent. Then quickly changed the conversation to needing a payment I explained that I was calling just to confirm that my papers were received and that my husband would be calling in with the payment information. She yelled at me and said my husband and I need to get things straight. She said you have to answer to payments and continued to scold me on how I purchased a home knowing that I could n't afford it. She put me on hold and sent me to another representatives which would n't give me any information regarding my paperwork sent. She continued to harass me for payment. I felt like I was being " BULLIED " by these XXXX Green Tree Associates!! I had to hang up because I was brought to tears and for the first time I felt hopeless. I was scared that this new provider was out to take my home. We just recently got sold to Green Tree. Our last mortgage company was XXXX XXXX XXXX. Green Tree has no soul.. I 've never been subject to such brutal tactics. XXXX I called the loss mitigation number and XXXX XXXX Answered and again she would n't tell me what was missing from my submission of paperwork before she told me I had to make a payment. I told her she was wrong for treating me this way and that I 'm trying to get help so I could make my payments on time. She told me that she was sending me to her manager. XXXX is her name and she was completely understanding and told me what was missing and listened to my concerns and lastly before we hung up she reminded me of payment and I was cooperatives with confirming a confirmation on calling on Monday to schedule a date for payment. I know they are changing to XXXX in the coming months. I hope that they clean out the Rude and unprofessional associates XXXX.
08/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 856XX	Web	Servicemember
My mortgage was sold to Greentree in XX/XX/XXXX. They informed me in XX/XX/XXXX/XX/XX/XXXX that my escrow account has a " shortage '' of {$480.00}, and they will deduct an additional {$40.00} each month for 12 months beginning in XX/XX/XXXX to make up this shortage. I have paid all mortgage payments on time and in full. My taxes have decreased and while I changed my homeowner 's insurance company, there was no significant change in my premium. I have called Greentree multiple times and mailed them a letter ( certified mail, they received it XX/XX/XXXX ) asking them to tell me specifically WHEN my escrow account went into a shortage and HOW much. They have sent me XXXX letters ( XXXX XXXX, XXXX XXXX and XX/XX/XXXX ), none of which answer the question of WHEN my escrow account went into shortage and HOW much. The XXXX letters from XXXX tell me they are still reviewing my request. I told them I spent five years in the mortgage business so I know how an escrow account works ( you put money in each month, they pay your property taxes and insurance - simple ). I object to Greentree telling me I owe {$480.00} without them being able to tell me how and when my escrow account went into a " shortage ''. All my payments were made in full and on time, so all my contributions to escrow are the correct amount and current. My escrow deductions for taxes and property insurance have decreased or stayed approximately the same. It is not mathematically possible for me to be in a " shortage '' in my escrow account. I view this charge of {$480.00} as an unjustified fee which Greentree can not show I am contractually obligated to pay. They have failed, repeatedly, to prove that I owe this money. Now they are taking this money each month from my bank account without my permission ( I told them verbally and in writing that I do not consent to having this money deducted from my bank account and that I do not owe this debt ). Finally - all payments were made on time and in full. My account is and has always been current.
07/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95003	Web
issue-1 Our loan was sold to Green Tree/Ditech in XXXX 2015. In the transfer, somehow, the monthly amount that we were to pay was reduced to an number that did n't replenish our escrow account. Ditech never notified us, and just recently sent us an " account evaluation '' showing that we are in the negative with our escrow, and raised our monthly payment by almost {$500.00} to start immediately. I contacted them on XXXX XXXX, filled out the online form to cancel our escrow account, and followed up with a letter, sent to the address their rep gave me. I got an email saying that they would review this and get back to me within 10 days. It 's been a month and no word. Our payment would be late on XX/XX/XXXX, so I emailed them in advance and let them know that I 've cancelled our escrow account, and would only be paying the principle and interest, then made that payment on time. Now, they took that money and put it into a " suspended account '', and charged me a late fee, as if I did n't pay at all. Issue 2- When we were first sold to Ditech , we only had the option to " XXXX '' or auto withdrawal every month. I choose auto withdrawal. Four months later, I get a notice of default, because somehow, they deducted less than the full amount of our payment, never notified me, charged a late fee, reported it to the credit bureau. I contacted my bank, and they have no idea why that would have happened. I paid the full amount due, and appealed to Ditech to waive the late fee and not report it to credit. They promised a written response within 30 days.75 days later, they denied XXXX requests. Meanwhile, I have paid the late fee XXXX times, and it is STILL showing on my statements. I believe that they have been taking that fee and applying it to the escrow shortage, but, again, never informing me. So, now I have a total of {$7000.00} and change due on XX/XX/XXXX. They have failed to cancel the escrow and are still charging for that plus XXXX late fees. I fully expect them to put me into default again soon.
01/11/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92591	Web
We submitted a modification package and filed a complaint ( XXXX ) in XX/XX/XXXX, and submitted a modification package per their request and the additional documentation you mentioned on XX/XX/XXXX. We received a letter of denial on XX/XX/XXXX. The reason for denial was they stated my income was {$11000.00}. As a result of this denial we resubmitted a complaint # XXXX with reference to our account XXXX. We additionally sent an entire new package with all our updated information and financial statement. Additionally a letter explaining our request was sent to Ditech to please review the information. That information clearly showed that our average monthly income at that time was not the {$11000.00} but was a maximum of {$9600.00} and asked for a complete review. The documentation was sent via UPS overnight on XX/XX/XXXX and delivered on the XXXX. In that overnight we included a letter outlining our request. To our surprise we received a letter dated XX/XX/XXXX and again on the XX/XX/XXXX stating everything they had in the first denial. In other words they never reviewed the package because their reason for denial was referencing the pay through XX/XX/XXXX and not the new data. No time was wasted as they sent it to foreclosure and we received a document filed on XX/XX/XXXX stating the property had a sale date already of XX/XX/XXXX. We additionally received your response dated XX/XX/XXXX. In that letter you mentioned if we disagreed with the income increment that was stated we could file a request to review. Obviously we definitely disagreed and that was why we had attached the information confirming our pay. They just never looked at what was sent to them. We are asking for someone to please open their eyes and review. Because my income at my prior employer was dropping every month as of XX/XX/XXXX I have taken a new position with XXXX I am only guaranteed a {$5000.00} per month pay so I will send new pay stubs to confirm. We need someone to review this properly as our desire is to keep our home.
04/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 17603	Web
XX/XX/XXXX / XX/XX/XXXX we started working with Green Tree on a Deed in Lieu. The representative originally told us it would take would take 90 days to complete. Within the first month they changed the locks on our home without telling us. ( Our payments were current at the time. ) They said a lock box was on the door and they would give us a code, but there was no lock box. Months went by and we called Green Tree daily to check the status of the Deed in Lieu. Calls to Loss Mitigation went unreturned, but their collections department called us almost daily asking for payments. Their system never showed us in the Deed in Lieu process. When I finally got a hold of someone in Loss Mitigation, they said that I had cancelled the request ( which I never did ) and that we had to start all over again. During this time Green Tree became Ditech and our file was lost / misplaced a hand full of times. We had a new account representative almost weekly. The Deed in Lieu was finally processed and finalized XXXX XXXX, XXXX. We were sent a Deficiency Waiver Agreement. Within the past two weeks we have received about XXXX letters from Ditech concerning our account. I called yesterday and they said our account was past due and that I needed to make a payment. I told them about the Deed in Lieu and the Waiver Agreement but they said they had no record in their system and that someone would have to call me back. No one did. I called again today and the representative said she could n't help me and that someone would again get back to me. I spent XXXX months trying to settle this with Ditech. I can not spend another 8 months trying to now resolve another of their mistakes. Not to mention the late payment reports they have been sending to the credit bureaus since XX/XX/XXXX! I 'm worried about contacting an attorney as the last time I asked Green Tree / Ditech if I needed one, they told me they would cease all communications with me and stop working towards a solution. I am at a loss on how to work with this company.
03/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33018	Web
Good afternoon, I want to start by saying that I'm not those who complain, but DITECH has no respect for the consumer. When you call the XXXX you can easily be an hour waiting for someone to answer. I'm escalating this situation to you after unsuccessfully trying, for more than two months, to get an answer from this company. I received a letter from DITECH dated XX/XX/2018 informing that a new APR was calculated for my mortgage changing XX/XX/XXXX. Based on their explanation the new interest is the addition of the margin 2.2500 % and the LIBOR published that day at the XXXX. According to DITECH, the LIBOR XX/XX/18 was 3.10388 %. However, looking at the site it shows 2.18175 % for the day ( almost a point difference ), 2.36813 % for a week and 3.05275 % for 1 year. Not even close to the 3.10388 % they indicated. See the official LIBOR at XXXX XXXX XXXX link. XXXX XXXX XXXX XXXX As a result, the APR should NOT be 5.37500 % ( 2.22500+3.10388 and 0.125 rounded up ) as communicated. Instead, it should be 4.43175 % and 4.37500 % after rounded. It is a full point difference. For more than two months I have been battling with it. I have sent 5 emails, called more than 8 times ( waiting almost an hour every time I call ), but neither the customer service rep, not the supervisor provides a solution. They understand the Math after checking the XXXX site but the response has always been, " It is under review and someone will get back to you ''. I proposed to keep my previous payment until I get a final answer but the supervisor XXXX XXXX batch # XXXX, said the payment won't be accepted therefore my credit will be reported and damaged as a result. I didn't have any other option than paying the new APR. I honestly can not understand why DITECH is taking so long. Im also concerned about how a Financial institution can charge whatever they want without supervision and wondering how many others are in the same situation without even noticing. Your help is highly appreciated Thanks in advance XXXX XXXX
02/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 125XX	Web
I originated a loan with XXXX in XX/XX/XXXX for a conventional 360 fix with twenty percent downpayment the monthly payment is XXXX for a cooperative apartment. This did not require an escrow account for taxes and insurance. Then the loan was sold on XX/XX/XXXX to XXXX XXXX. Then transferred to ( Greentree mortgage ) who requested a copy of my homeowner 's insurance policy, in XX/XX/XXXX. which I provided. Then ( Ditech ) became the Servicer for Greentree. who requested the homeowner 's policy starting in XX/XX/XXXX as well. I provided them the policy, then they requested a copy of the Structural insurance policy, ( the Master Plan policy ) which after tracking down the co-op board to request their policy, it was sent to Ditech as stated, to assign them as the mortgagee. In the early part of XX/XX/XXXX. However, Ditech continues to bill me for this insurance policy regardless of, and they are applying my mortgage payments to this force-insurance policy, and they are saying, we are behind on our mortgage payment and reporting it to the credit report as such. They have been documenting my credit report since XX/XX/XXXX as non-payments ' which I clearly told Ditech, that this is a Co-op, which the co-op corporation is responsible for this master policy. I was in Bankruptcy since XX/XX/XXXX and was discharged on XX/XX/XXXX. Ditech was sending all my documents to the bankruptcy attorney and still continue to send all their correspondence to them today. I've been dealing with this issue with no avail. and at this point, Ditech has stopped accepting my mortgage payments as of XX/XX/XXXX. I called them to see why they haven't cashed the checks ' XXXX at Ditech couldn't answer as to why but stated over the conversation as it doesn't matter your in foreclosure since XX/XX/XXXX. Anyway, I am confused, if I've been making my mortgage payments, how can you have me in foreclosure status. Can you please help to resolve this issue as you can see I have been trying to solve this since XX/XX/XXXX, with no avail.
01/03/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 94533	Web	Servicemember
in XX/XX/XXXX I knew I would have to be selling the home Husband had passed and I just couldn't afford anymore. they were to take the impound balance and add to the XXXX principal interest payment and stop my impounds per my request this was requested in XXXX for the XXXX payment and again in XXXX, the XXXX phone call end of the month they said I must fax in request so I did. at the time the impound balance in XXXX was XXXX or around there I didn't keep notes because I didn't think necessary but now I have been since they messed up in XXXX. I faxed in the request told to me in XXXX but not mentioned in XXXX attached is fax confirmation and letter. on XXXX they sent a pay off demand to escrow to pay off the loan house didn't sell until XX/XX/XXXX the could have amended if needed be they didn't to that. late XXXX received letter XXXX demanding pay off short and I called them that Monday XXXX spoke with XXXX who said they had enough funds to cover all and we still have impound balance I said ok and let go. Note : they were trying to say on an unpaid balance after impound account was credited if they were wrong I would be charged XXXX per DIEM on XXXX principal balance. XXXX said it was all an error this conversation is recorded and his ID number is XXXX. So I thought it was all resolved on XXXX I received a letter dated XX/XX/XXXX That stated XXXX was wrong and even again if he was wrong you should first credit the pay off amount. then impound account and then I I owe anything I should have been charged that balance plus interest at XXXX ( Note amount on the principal of approx. XXXX balance after all credits but instead they are still trying to charge me interest at XXXX per diem so since XXXX they say I still owe in excess of XXXX see all attached pay off demand, closing statement and letter confirming receipt of no impounds on XXXX letter stating all resolved on XXXX demands for XXXX per diem interst on a balance XXXX at most but should be zero and I should be getting impound account back.
09/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ 85226	Web
The reason for my complaint is because I recently received a Notice of Default from my mortgage servicer, Ditech, even though I began the process of a workout well before being late on my mortgage payments. I believe this to be the illegal practice of " dual tracking ''. I am requesting that Ditech rescind the Notice of Default and finalize a workout which I initiated nearly 6 months ago. I submitted a completed Request for Mortgage Assistance ( RMA ) package in XXXX 2016 seeking assistance due to being unemployed. I made over 15 repeated requests for an Unemployment Forbearance offered by XXXX who owns my loan, as well as the Making Home Affordable ( MHA ) program. To date no workout has been offered by Ditech. During this prolonged and frustrating experience with Ditech it seems that misinformation, missteps, and confusion are the norm. My assigned point of contact, who I am rarely able to reach, has changed 4 times in only 2 months. It is my understanding that the primary goal of a loan workout is for a borrower to avoid a default. Yet after having done everything right, I just received this Notice of Default. I have been very proactive with many repeated phone calls and submitting all documents in a timely manner. Over half of the various Ditech representatives with whom I spoke stated that they were unaware of an Unemployment Forbearance workout. On multiple occasions I had to guide Ditech representatives to the Fannie Mae and Making Home Affordable websites where the Unemployment Forbearance workouts are clearly explained. After months of call backs and escalations, I finally received a packet from Ditech in XXXX 2016 stating that an Unemployment Forbearance was an available option. However, months later no further progress was ever made. I would be more than grateful for any help in compelling Ditech to rescind their Notice of Default and to finally offer a workout solution, as my repeated efforts with them over the last 6 months have been unsuccessful and entirely frustrating.
04/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 55429	Web
Ditech makes up amounts for payments and late fees. They misapply payments and late fees to create defaults. I have complained to Ditech numberous times about their practices. They refuse to do anything about it. I have requested a copy of a default letter to provide the date. They refuse to provide it. When i call my appointed representative, it ALWAYS goes directly to voice mail and no call back is ever received, even when Ditech is given express permission in the voice mail to do so. They are a corrupt and fruadulent company and need to be shut down. In XX/XX/XXXX, I cured a default, which included lates fees. Today, I called to let them know I was curing another default, supposedly complete with late fees. When i asked about the late fees, I was told that they have some fees from XX/XX/XXXX and XX/XX/XXXX. I explained to them that this was impossible as the amount paid in XX/XX/XXXX brought the entire account CURRENT, INCLUDING late fees. Still, this default is for 2 months of payments and late fees supposedly. My late fees are {$41.00} and I was told and have it on RECORDING that they can not raise my late fees. I have been charged as much as {$100.00} in late fee, even though they tell me that by law, they can not go over the {$41.00}. Today they are charging me {$160.00} in late fees, which does not add up to two late fees or even three late fees. Not to mention a late fee was included with my payment for XX/XX/XXXX. My payment is {$1200.00} and I paid {$1200.00} Where did the additional money go? Green Tree is not applying payments to my account correctly and admitted as much today when they claimed they were still charging me for late fees in XX/XX/XXXX and XX/XX/XXXX!!! Then the rep changed the story when I told her it was IMPOSSIBLE that there'd be any late fee prior to XX/XX/XXXX still owed on this account. Someone needs to ensure that this company applies funds correctly to all consumer accounts. If they can not do so, then there are plenty of financial institutions who will.
08/05/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 544XX	Web
I was 1 month behind for several months in a row, I continued to pay my mortgage to try to get caught up, I started to receive notices about being past due right away, which I understand as I was late. Letters got more aggressive in nature so I called them, the agent set me up on a pay arrangement, the arrangement was taking the 1 month past due and spreading it out over the next 4 months. I thought now that I called them that they would stop sending letters and making phone calls, but it did n't stop. I made my agreed upon payments and each month would receive a late fee and several letters weekly advising to call to avoid foreclosure. I answered the phone a couple weeks ago and they advised me that their automatic dialer should not have called me because I was on an arrangement. They sent someone to my house to hang a notice a couple weeks ago because I still had my final {$300.00} due in XXXX , I called them and they advised me that yes I do have an arrangement but because of the way they do their accounting it looks like I still owe from 2 months ago but not to worry about it. Now today I received a certified mail letter asking me to call to setup a face to face meeting to discuss options to bring my account current, I called and asked if I had an arrangement, they advised me I do but I will still get calls and letters because I am still past due even though my arrangement is n't due for another 10 days. Also when I call or look online in it says my balance due is over {$2000.00} but when I talked to the representative I only owe {$1300.00} because of unapplied funds. Because of this I am not able to make my payments online for free because I can not pay a lower amount than the total they say is due, so I pay over the phone for {$19.00} for each payment, or I can pay by mail but then I would be late because you can not guaranty when the payment would be received. I get 2 statements, several emails, and phone calls monthly, and several letters weekly, not to mention my credit report.
11/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 015XX	Web
Our mortgage service provider is Ditech ( formally Greentree ) and we fell behind on our mortgage and had to resort to a Chapter XXXX Bankruptcy filing in order to remain in our home. We then applied for a loan modification after reaching an agreement with the bank and the courts about our repayment program. During the loan modification request process Ditech continuously gave us the runaround by claiming we were missing documents, and then when we would send the missing the documents we were being told they had n't been received. Each time I would call and ask for a name so that I could call to follow up the fax I was making they would n't provide us with the persons name or position with the company. That led to me filing a complain against them with you - Case number : XXXX. We are now being retaliated against because of that complaint. We have been working with a non profit group out of XXXX XXXX called XXXX XXXX XXXX, and our contact is XXXX XXXX XXXX who can be reached at XXXX XXXX to verify what I am about to tell you. Ditech told us ( and XXXX ) back in early XXXX that our request for a modification had been approved, and that it had been sent to underwriting for the finishing touches. They also told us to hold off on our XXXX Mortgage payment because the new mortgage with the new dollar amount would take effect. Then they received notification of the complaint I made against them, and now they refuse to give us any type of answer XXXX way or the other. Each time we call we are told it 's in underwriting and no other information is available. It 's clear to me that this is retaliation and they have no interest in working with us. By telling us to hold off on our mortgage payment we are now in default with the Bankruptcy trustee and our Chapter XXXX plan is being dismissed by the courts which puts us right back into foreclosure. They lied to us and to our representative about our modification status and by instructing us to hold back on our mortgage payment have put us in default.
04/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76028	Web
I have been trying to get an issue with my escrow account resolved for almost 3 weeks with DiTech. I have had THREE different escrow analyses performed all in a span of 14 months : XX/XX/XXXX : paid {$49.00} shortage XX/XX/XXXX : paid {$4100.00} shortage XX/XX/XXXX : asking for another {$5900.00} by XX/XX/XXXX I know that my tax liability did not increase by 46 % between XX/XX/XXXX and XX/XX/XXXX. I do not know why they are not taking the {$4100.00} payment that I made on the escrow analysis performed on XX/XX/XXXX into account for the analysis performed on XX/XX/XXXX. If you account for the amount I just paid on the analysis dated XX/XX/XXXX ( {$4100.00} - check cleared my bank on XX/XX/XXXX ) and add the new proposed amount by DiTech on the analysis performed on XX/XX/XXXX ( {$5900.00} ) there is a total of {$10000.00} of a " escrow shortage ''. There is no way that I should have to pay out {$10000.00} to an escrow account in a 3 month span, so I figured I would call DiTech to get some information. I called DiTech on XX/XX/XXXX at XXXX CST and had to wait on hold for 50 minutes only to be told by the agent that he isn't sure what is going on but is sending my account to a " researcher '' where I am to call back myself in 10 business days ( XX/XX/XXXX ) to get an answer. I called DiTech a second time on XX/XX/XXXX at XXXX CST as requested only to sit on hold for another 51 minutes. The agent " XXXX '' finally informed me that she has no information in regards to this matter and that it is still being " researched ''. She took down my email and told me that she will reach out to me by the end of the week with an update, but I have yet to hear from anybody. I can not get any information from my mortgage company in regards to my mortgage and why my escrow account is calculating incorrectly. DiTech has recently filed for bankruptcy and their customer service is severely lacking in the ability to provide basic information on a mortgage that has been in their care for well over a year.
03/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 087XX	Web	Servicemember
We had a forbearance period on our mortgage loan due to superstorm Sandy. Ditech has now sent us a letter of default due to us being in that program. Our account now shows {$32000.00} in arrears which is impossible. At {$1400.00} per month in interest the total if any would be {$17000.00}. But we are not supposed to be in arrears due to our participation in the Sandy forbearance program. During the 1 year period we payed our monthly escrows. Ditech is still stating that we are in arears with our mortgage and they haven't applied our mortgage payments correctly to our account. They have not been applying it to escrows and keep doing escrow advances to cover insurance, MI, and tax payments. I found out this was the reason that we received a notice of cancellation for our homeowners insurance. Ditech was waiting for a managers approval to pay the premium as there was not sufficient funds in our escrow account due to their ( lack of ) accounting. Ditech has just transfered the servicing to another lender efeective XX/XX/XXXX which will make this even harder to solve with a company that knows little of what we have went through for the past few months. Attached is : 1. A letter from Ditech from XX/XX/XXXX requesting us to sign a mortgage modification for a loan term of 40 years where our address and information was changed to XXXX XXXX XXXX in XXXX, MO. 2. A letter from Ditech from XX/XX/XXXX addressed to XXXX XXXX XXXX in XXXX, MO when we requested a payment history and why payments were not being properly applied. 3. A letter from Ditech from XX/XX/XXXX with terms of forbearance program. 4. Cerificate of Eligibility from NJ Consumer Affairs for Sandy Impacted Forbearance. 5. A letter dated XX/XX/XXXX we sent to ditech outlining our compaints. 6. A certificate of occupancy for our home dated XX/XX/XXXX. 7. A letter from Ditech from XX/XX/XXXX in response from our complaint to the NJDBOI. 8. A letter from Ditech from XX/XX/XXXX with a notice of default and intent to foreclose.
04/18/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 349XX	Web
I am filing this complaint because Ditech Financial is unjustifiably holding my escrow overage of over {$500.00}. My mortgage escrow account was due for a yearly analysis XX/XX/2016. This was the procedure for prior years and was noted on Ditech 's online website. XX/XX/2016, I noticed that the analysis STILL had not been done. I forwarded an email to them and the next day the analysis was finally done. The analysis showed an overage on my account which was mailed to me. The problem, in addition to being one month late, was that I had moved just as this check was mailed to me. I waited for three weeks and when the check and analysis was not forwarded by my post office, I sent an email to Ditech instructing them to stop payment on the check and issue a new one since I believed either it was lost or was being returned to Ditech. The check finally arrived a few days later and I decided to deposit the check since I had heard nothing from Ditech in reply to my email. The check cleared and I assumed the matter was settled. However, Ditech withdrew the money from my account. When I called them in early XXXX, 2016, they said they had done what I had requested. In fact, I requested a stop payment NOT a withdrawal and I told them to reissue the check and send to my new address. So they did NOT do what I had requested in my email. The withdrawal occurred on XXXX XXXX, 2016 and as of XXXX/XXXX/2016 ( nearly two months ) I STILL have not received the replacement check. Ditech has no right to hold on to this money. I believe they are trying to float the money which is profit for them using my assets. This should be and may well be illegal. I have written them numerous emails trying to get this resolved. They, in turn, have done nothing except send form letters that they are " reviewing my written request ''. There is nothing to " review ''. They clearly have an obligation to give me my escrow overage money and are using stalling techniques to avoid paying me what they have owed me for over 4 months.
12/26/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	WI XXXXX	Web
Ditech has denied my request to remove the PMI from my loan. This has been an ongoing struggle with them. In XX/XX/XXXX we reqeusted to have PMI removed from our loan and when they appraised our house, the appraisal came in at {$330000.00} which was 75.79 % LTV. Just short of the percentage where it could be removed. In XX/XX/XXXX, we made the request to have PMI removed from our loan again. We have made our payments on time and the values of the homes in our area have gone up in the last two years. Ditech again had someone come out to do an appraisal. When that appraisal was completed, we were never sent a copy of it and we were told there was " a problem '' with the appraisal. Ditech said a second appraisal needed to be done. A second appraisal was done and the value of our home was set at {$310000.00} - {$19000.00} less than what it was appraised at two years ago. As soon as this appraisal came in, Ditech denied our request to remove our PMI because the percentage of LTV was 76.74 % - just short of the percentage where it could be removed. After multiple requests, we have never been given a copy of the original appraisal and I believe that is because it appraised our home much higher than {$330000.00} and Ditech wold have needed to remove our PMI. After looking at reviews of the second appraiser online, there are frequent references to how low the appraiser tends to skew home values and the comps she used for our home 's value were far outside of our neighborhood. She made the claim that there were not enough recent sales in our neighborhood to give a good reference so she went very far outside of our neighborhood for comps. It is obvious that she cherry-picked comps that gave Ditech the number they wanted from her so they could deny our request. I am now having a third independent appraisal done on my home by an appraiser I trust. Ditech is obviously trying to make sure I can not remove my PMI by replacing appraisals that do not benefit them with appraisals that do benefit them.
01/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29588	Web
My home is a mobile home/doublewide trailer. When I signed a contract to purchase this home, I received a Truth in Lending stating that the home would be financed for 300 month = to 25 years. I received this document and others 45 days before closing. At the attorneys office as I was signing the contracts they provided a different Truth in Lending document with different terms = to a 30 year contract. I had no other choice but to sign this contract because I had broke my lease on my current rental property lived in at that time and had to have housing fast. I agreed to all the terms of the contract by signing. I wish that I had walked out of the closing attorneys office that very moment. Today I am having difficulty making the yearly tax payments. They clearly have stated over and over that they could not help me by refinancing. I have always paid the mortgage on time. Due to health issues I am unable to work. I moved out of this home in XXXX and rented the home out to cover the mortgage payment. I can not afford to pay the property taxes for XXXX. The home was auctioned off to the highest bidder. Ditech has paid the taxes and added that amount back to my payments, this makes it impossible for me to pay the amount that they asking this month. I want to keep this home and the tenants that live there. They suggested that I go up on the tenants rent. I can not go up on the rent because comparable mobile home rent in that area is around XXXX to XXXX a month. I would like to sell this property and pay Ditech off. I have tried many times to sell the property, it has run down over the years and needs many upgrades ( which I can not afford ). At this point Ditech is threating me with a RIGHT TO CURE DEFAULT. I have always paid the mortgage payment amount of XXXX and XXXX a month. {$500.00} is the stated amount per month. The overage I send covers insurance only. They state that they will not accept partial payments ... they will not accept XXXX per month. What can I do? I have no savings?
07/13/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	AZ 85379	Web
Originally, green tree servicing llc granted me a {$29000.00} loan for a pool at my residence. In order for me to qualify, the representative of the company inflated my annual income by nearly XXXX %. My income was approximately {$34000.00} per year and to make the loan work, he reported it at $ XXXX as memory serves. I was a single father at the time, stuck in a terrible adjustable rate mortgage, receiving no child support and working XXXX jobs. There was no way I should have been qualified for the loan. Yet Green Tree found a way for XXXX XXXX, who has since gone under, to put a nearly {$30000.00} pool in my now foreclosed on home. Since my foreclosure, I have remarried and after being served collection papers from a law firm that Green Tree apparently sold my loan to, I reached a settlement with the law firm to repay half the remaining balance, just over {$14000.00}. They worked with me and put me on a manageable payment plan that was scheduled to be fulfilled in XXXX 2016. However, with tax returns and yearly bonuses my wife and I were able to pay the balance earlier this year and it is my understanding this debt has been satisfied. Now I receive a notice in the mail that is a letter informing me that 'Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. ' This was received from Green Tree Servicing of XXXX, Arizona. This letter not only rekindles the sour taste I have from ever being qualified for a loan they had no business issuing, but also leads me to believe that they still have this loan as an active debt. Frankly I am hesitant to contact these people to find out what is going on because I simply have no trust in them, and I worry they may try to collect further, even after our settlement. I decided to write to the CFPB because they provided your website as an avenue to report shady collection practices. I feel everything this company has done has been shady and feel it is my right to inform your offices of my situation.
02/23/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	VA 22201	Web
My mortgage company DiTech has not paid the last installment of my XX/XX/XXXX taxes to the town and now the town is placing a lean on my property. I have had issues with Ditech several months after they assumed the mortgage at the end of XX/XX/XXXX, as they replaced the property address with my billing address. I called the company repeatedly trying to have them correct the address change - which was not cleared in the system. At one point the customer service person told me that I was wrong on the address and to stop bothering them. I was so angered as if one holds a note on a property, you would think they would know the correct street address, town, state the property resides. At some point early in XX/XX/XXXX, I was told the paperwork was corrected but of course, this was not the case. As a result, the taxes were sent in XX/XX/XXXX to the wrong county/state for XX/XX/XXXX. My accountant noticed the incorrect address when receiving my tax paperwork in XX/XX/XXXX from Ditech. I immediately started making phone calls to find out the taxes were never paid for XX/XX/XXXX and this was XX/XX/XXXX. I informed Ditech and they told me they paid the taxes as checks were sent out that week I called. But come to find out taxes were not paid until end of XX/XX/XXXX and it was a partial payment. This week the town is going to put a lean on my property for outstanding taxes for XX/XX/XXXX. I again have called repeatedly and they keep telling me they will look into the issue. I have asked for a supervisor to call me back but with no response. The customer service person accused me of not leaving a message with the supervisor and hanging up. This organization is the worst with repeated misinformation, lack of response and follow-up, inability to do the job they are entrusted to perform and rude customer service accusations. I have paid on time and never missed a payment and expect them to act with diligence as this lean could affect my personal credit. I appreciate any assistance you can provide.
10/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MT 59901	Web
I am having trouble with my mortgage servicing agent which is now with Ditech. It has also been with Greentree and XXXX. The original mortgage was completed on XX/XX/XXXX. I got behind in payments in XX/XX/XXXX. In XX/XX/XXXX, I sent a payment of {$3500.00} in the form of a XXXX XXXX wire. The exact amount I was told to pay. I even called the morning of the payment to confirm that was the right amount. Approximately 2 weeks later, the money was sent back to me along with a letter stating that I paid {$400.00} to little and that we could no longer accept payments to this account and that I would sent into foreclosure if I could not pay another {$6800.00}. I 'm not sure why. I was willing to make payments, but was told by XXXX to stop making them. By XX/XX/XXXX the total to reinstate my loan was {$17000.00}. In fact they refused to accept any more funds unless it was the full amount. This included charges that were well above the {$1000.00} maximum fee as per Montana state law. I have been working with XXXX, Greentree, and XXXX XXXX services along with an attorney over the last 5 years trying to get some answers. I do n't understand what my options are and no one can explain them to me. My home is worth approximately {$320000.00}. My last statement is demanding a payment of {$470000.00} or else the house will be auctioned on XX/XX/XXXX. On Ditech website my account says I have to pay {$130000.00} to get current which puts the total over $ XXXX. So which is it? The original loan amount was {$370000.00}. I understand the house has lost value. I have spent more than {$11000.00} in attorney fees and I just spent another {$4100.00} with XXXX XXXX XXXX who claimed they could help me. I have been scammed by XXXX and am running out of time. This has ruined my credit and put me in a 4 1/2 year long financial lock down, not knowing what to do. I have made many calls with no response to Ditech. I have to the phone number and agent I am supposed to talk to XXXX XXXX but have gotten no response.
01/27/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KS 661XX	Web
what happened is Ditech, green tree and XXXX has totally screwed up my mortgage since I was in bankruptcy I paid my regular payment in my bankruptcy plus added funds that I was behind and escrow account balances for a XXXX long year period now ditech who you never get to speak to the same person ever keeps telling me that my escrow is always behind and at a {$0.00} amount but I have continued making payments since being out of bankruptcy and even when federally discharged by the federal bankruptcy courts I was paying a higher monthly mortgage payment because that was what the trustee courts of XXXX was paying out then I was informed that {$1.00} was being applied to my escrow because that was an overpayment but yet I was never contacted these companies have to many outlets to throw the consumer off especialy when being XXXX and trying to make ends meet. I guess I am going to have to find an attorney who will work on contingency because I believe ditech, XXXX and bank of XXXX are committing fraud especially on my mortgage none of the numbers add up you never get the same answers from anyone from any of these companies. I believe that ditech needs to acquire a loan for me with an interest rate around what the rates are listed today. Not something they make up and then change their minds, also they keep sending docs with credit reports listing someone else 's credit card I have no credit cards I just got out of bankruptcy last XX/XX/2016 and then discharged XX/XX/2016. I was trying to get cash back but then was informed not available only harp loan available but yet they are slamming me with a XXXX % interest I am currently at XXXX % how is that going to help the bottom line. Because what I read the harp fannie mae they have to give you the going rate of interest which today I believe is XXXX % but yet I am being gaslighted once again this is crazy. So since all of this mess up they need to give me the refinance loan with an interest rate around 3.87 % that is my desired resolution
02/04/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OK 744XX	Web	Older American
In XXXX of XXXX I was given a loan for a single width mobile home through XXXX Mortgage. They switched it to Green Tree XXXX and next to Ditech. The home started deteriorating in 10 years and is now unsafe to live in as I have had electrical problems and many of the pipes are broken where the bathtub and faucets in the master bathroom are not functioning. The floor under the shower has completely caved in, windows are crooked and allow flies to get into the house in warm weather. Most of the floors have buckled under the legs of furniture and the rain has caused the areas around the windows to buckle. Walls are little more than cardboard. I believe the flooring is waferboard and unfit to for flooring foundation. When I tried to trade this XXXX XXXX, the dealer at the XXXX in XXXX told me he could n't because the house is worth much less than what I owe and that this sounded like a Predatory Mortgage Loan. He said that mobile homes do not have 30 year mortgages because they do n't last that long. He said my loan should have been a 15 year loan at the most. Also, right before Ditech took the predatory loan over, they added about {$100.00} to my monthly payments which went from {$360.00} to {$460.00} a month. Ditech claims the {$100.00} is for insurance, however, as of yet they have repaired nothing although I have made several claims. I was also told I should complain because when they put the mobile home on my property, they did not put it on a cement foundation and instead put it on the ground which has caused the home to sink. Renters have rights, therefore, mortgage holders should also have rights if the predatory lenders do not offer to repair wear and tear on a mobile home. I can not come out of pocket for much because of the monthly payment inflicted on me. I would like to take this to the courts to get justice. Everyone is saying I should not be paying anything. I have taken pictures to back up all my allegations in this complaint. The interest rates are too high, as well.
10/08/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PA 19007	Web	Servicemember
I have been working with Ditech for over 3 months on a review for Loss mitigation to try to get my account current. IN the midst of my review Ditech decided to place a sale date for XX/XX/XXXX. A week before my sale date they denied my review stating that there was not enough time to review my case with an upcoming sale date, as they state I am not eligible for another modification until XX/XX/XXXX being that I received one in XXXX. When they began the review process 3 months ago, they had told me that I was not eligible until XXXX but that I could start applying now as the review would take a few months and that the investor allowed a review within 6 months of the 24 months deadline for a program eligibility under FHA guidelines and that if need be they would postpone the sale date to allow me time to be eligible. We are 2 months away from being qualified, and I have been informed that FHA has actually allowed people to be approved within 18 month of their last approval, and in this case even though we are eligible and within the time frame, Ditech will not postpone the sale date to allow us to qualify. I feel this is predatory lending, as I fell on an unfortunate set of circumstances when I go severely sick last year and my significant other lost her employment. I have since then been trying to do everything under my power to make amends on the loan and be able to get back on track now that my finances have gotten better, and Ditech stated they would try to help me and work with me only, to turn around and deny me a week before the sale date and try to say my only option is to come up with a total amount of over 15,000 $ which is impossible for me at the moment. I would like Ditech to postpone the sale date and allow me to be able to get back on track through the FHA Modification which I will be eligible for in a little over a month. Please help as I have been in my home for a very long time and would like to do everything possible to keep it and my family there.
06/24/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 44124	Web	Older American
In XX/XX/XXXX, I made an Agreement with XXXX Home loan for a {$40000.00} mortgage. Before I could pay the XXXX payment, the loan had been transferred to XXXX. XXXX held the mortgage briefly and then transferred it to XXXX XXXX XXXX, who transferred it to Green Tree Servicing. During the life of the loan, I paid approximately {$55.00}, XXXX toward the {$40000.00} loan, interest of {$15000.00} is not unreasonable. Recently, I inquired of Green Tree about the loan and the process. Green Tree responded that I agreed to pay XXXX 8.3750 % on the loan and that the 'Actuarial interest ' is calculated on a thirty day basis, marked as Ex. " A. '' The original note speaks of annual percentage not periodic as was being deducted from the payments. I consider this to be predatory lending and facts not revealed that should have been divulged during the time that the house was being purchased, marked as Ex. " B. '' Under the terms in which Green Tree speaks, at the end of the 30 years, I will have paid {$210000.00}. on a {$40000.00} loan. This is unacceptable. Green Tree advertise a 4 % interest rate, but failed to adjust or modify my rate to reflect today 's trend. On XX/XX/XXXX, Green Tree wrote me saying that on XX/XX/XXXX, an online payment of {$2500.00} was deducted from my account and applied toward the mortgage ; however, this was only a partial payment of {$2.00}, XXXX. XXXX XXXX monthly payment less escrow ), which was placed in the unapplied funds account, herein attached and marked Exhibit " C. '' Green Tree 's payment history does not show the XX/XX/XXXX payment, but, it does show that I owe a balance of {$36.00}, XXXX, marked as Ex. " D. '' The XXXX XXXX XXXX Office list the Assessed Value of the home at {$12.00}, XXXX, this would make the house {$27.00}, XXXX underwater. The same office places the Market value at {$35000.00} which is {$4.00}, XXXX under the loan amount, marked as Ex. " E. '' The difference between the Market Value and the Assessed Value is : $ XXXX {$23000.00}.
09/01/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 99205	Web
I began a modification 2016. After 6 months and no communication I found that not all documents sent were received. The modification was denied. I then reapplied and it was cancelled AGAIN stating not all documents were received. I have receipts that show all items were faxed and received. After a year of dealing with the modification I was told that I did not make enough money and due to my debt to income ratio the modification was denied. I re-submitted my most recent modification as I was now working full time and could more than qualify me. During this period I was told that my house is in foreclosure and a date has been set. This is a violation of my rights and I can actually sue as a a modification was in process and a foreclosure was initiated. I was then told that my modification was denied because a payment could not be established lower than the previous payment. I informed them that I could accept the same payment or higher now that I am working full time. They told me that that was not in the guidelines why they do modifications. I told them you would be helping me by refinancing the amount that is past due and that would help me. Nope, bring the loan current or foreclosure. I can not not believe the poor service I have received. I have a new agent for this account on a monthly basis. I receive no communication during the modification process. I believe that at this point they just want the foreclosure. The modification was just lip service. I counted on that modification to help me when I fell behind because of part time employment.I obtained full time and yet that has no bearing. I live with my two children and we are soon to be homeless. I am not a person that does n't pay their bills. I have a XXXX and have always worked but fell on hard times. Their greeting on their phone messages states they are there for the victims of Hurricane Harvey ... ..what about the current customers that have fallen on bad times? I would n't wish these sleepless nights on anyone!!!
01/19/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 400XX	Web
My mortgage loan with Ditech was paid off on XX/XX/2016. At that time, Ditech was notified by the lender that I refinanced with that we had paid our annual property taxes and the loan was paid in full per the loan balance payoff statement provided by Ditech. I had paid the property taxes in full XX/XX/XXXX. I receive a short pay notice from Ditech for {$2600.00} dated XX/XX/2016. The short pay resulted because Ditech had also paid the property taxes. The letter from Ditech indicated that I would need to pay them an unreasonable interest rate of XXXX per day on {$2600.00} shortage. I IMMEDIATELY paid the {$2600.00} via wire transfer by my Title Insurance Company, to keep them from charging me such a corrupt, and criminal interest rate. Since my loan balance was paid, and the {$2600.00} was paid immediately, and Ditech received a refund on the property tax that they overpaid, they have owed me {$6000.00} since XX/XX/2016. Each time I call, the length of time it will take to receive my money gets longer and longer and longer. My local Sheriff 's office confirmed that they returned the overpayment to Ditech on XX/XX/2016. It is now nearly three months later and I have not received the {$6000.00} that Ditech owes me. The loan is closed, and paid in full. Ditech is holding my money, after paying a property tax bill that they were told not to pay. From the beginning, they have managed my escrow account in a very suspicious manner. Over collecting in the beginning, then sending a huge refund ( Approximately that same amount that I complained had been over collected ... nearly {$5000.00} ) after holding the overage for more than 6 months, then showing a shortage and increasing the monthly payment substantially. The individual is demanded to pay interest of nearly {$48.00} dollars a day on a {$2600.00} amount that resulted from their error, while the lender can keep {$6000.00} of my money for three months and do nothing to assist me with a more prompt and reasonable return of my money.
05/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 195XX	Web
I am one of many customers of Ditech mortgage company that toke the money from the mortgage and report that they never received. On XX/XX/XXXX after refinance the home with Ditech I send my first payment of {$2200.00} trough my bank on bill pay to make sure everything was OK. On XXXX XXXX the collection department call me at work and say that they never received the payment and that I need pay immediately if I do n't want any late payment on my credit. They also told me that my Bank had the money. I pay my payment immediately and call my bank to make sure they release the money. After hours on the phone with the bank and 3 way call with ditech we finally realize that Ditech apply the payment to a different account that was not my and never fix the problem. My bank release the document to them on XXXX XXXX that state and confirm that Ditech had this money apply to a different account and that should reimburse the money back to me. After almost every day call and spoke with multiple supervisor and XXXX they told me that will process the refund on XXXX XXXX and should take 3 to 5 business day to get the money back to my bank account. Today is the 6 business day and not money when back to my account on not one call me back for update on my account status. This is the worse customer service I had and I am upset that they have my mortgage for many years. Their excuse was that they change the system and all the account got changed. I received XXXX bills from Ditech on my address with XXXX different account numbers. How a financial institution can make such a mess and do n't fixed in time so customer do n't need pay the expense. Collection department now call me at work for my next payment when they own me one. I will continue to escalate this matter and follow all the process. I also record all the conversation with them to make sure that I have everything on file. I want my money back before I pay the next payment and should give me interest because they hold my money for 36 days.
11/10/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	OH 43078	Web
A couple years ago, I XXXX XXXX XXXX and was off work for several weeks. This took a toll on our finances. Then my husband lost his job and we were struggling to make ends meet. I applied with Ditech and have been denied help on three different occasions. I have had one lady who has been nice to me on the phone. Anyone else has been very rude and not willing to help. I have been hung up on, told they can not help me, and I was told not to pay. Around XXXX XXXX, I tried to pay the amount in full that was owed and they told me not to pay it. Never gave me a reason. They said if I were to send in a check it would be sent back to me. This summer, I contacted Neighborhood housing in our county and the lady has been nothing but kind and helpful in trying to help us keep our home. She has been going back in forth with them over the last few months and they have also turned her down two times. This last time she tried again and we were denied again. This time for having too much income and the payment is affordable. The lady from neighborhood housing called and asked if they reviewed for a partial claim, where they can put 12 payments into a 2nd mortgage payable AFTER you payoff the 1st mortgage, but that would mean you would have to come up with the difference IF they cant modify, and it is not unusual for them to do both, but didnt get a straight answer, other than that it is what it is.The time back in XXXX we were denied because investor does not participate in the FHA Standard Modification. The last time we were denied was because we did n't make enough income. I see there is a lot of complaints against Ditech and this makes me sad and very scared. We are a family of XXXX and all we want to do is pay our mortgage and keep our home. We have lived here for 9 years and raising our family here. We do not know what else to do. We have tried working with them and do not know where else to turn. Can you please help us keep our home? Thanks so much for taking the time to read this.
05/06/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33405	Web
Ditech misappropriated moneys required to be sent to Suspense. Ditech claims that Suspense money could be transferred to unapplied funds and then put into Escrow and paid out. Detech, literally, NEVER disclosed this until the recent response to my first complaint. It is not legal. If there is a shortfall in escrow, I should be notified and given the option to increase payments in monthly installments. No mortgage company is permitted to simply " take '' thousands of dollars and pay what they want in order to " look better '' in the sale of my loan to loancare. I tried for OVER A YEAR to straightne this out. Ditech never responded. XXXX XXXX only responded in an XXXX letter.XXXX and DITECH lied to me over and over on the phone. Ditech : " We are still researching what became of that payment ... you should contact your new service provided, XXXX. No, we never reported any delinquency to XXXX. '' Then, XXXX, after lying since XX/XX/2019 and saying " we're still researching ''. Finally in XXXX, during a phone call ( so much wasted time ) they admitted the suplus money was taken a day after it was put into Surplus. The representative told me " that's Ditech '' ; you got ta call Ditech. These people are compulsive liars, professional bullies and TOLD ME THEY WERE ALLOWED TO DO THAT WHEN THE MORTGAGE, DITECH AND XXXX HAS A COMPLETELY DIFFERENT POLICY IN WRITING! See attached letter.Many of my credit cards have been downgraded and I, literally, can't get a personal loan based on XXXX report that I have been delinquent for over a year. Why are you allowing this to happen -- to just accept ay face value the lies they tell " we can send money to Suspense or Unassigned funds?! " Unassigned funds '' is NOT an account and has never been mentioned in the mortgage contract nor any communications with me by any loan company. I have paid every dime I was billed for. There is no legal authority for them to seize a partial payment from Suspense and drop it in escrow so they " look '' better.
09/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 229XX	Web
On Saturday, XXXX/XXXX/16, I received a from Ditech Financial stating that my XXXX 2016 mortgage payment was not received. The letter further went on to state that late fees would be charged as a result. I contacted Ditech customer service on Tuesday, XXXX/XXXX/2016 to learn more about Ditech 's assertion that the payment was not recieved. I explained that my payment was made online with XXXX XXXX XXXX bill pay system. My statement was documenting that the payment was processed to Ditech on Thursday, XXXX/XXXX/2016. The customer service representative and subsequent supervisor requested that I fax a copy of my recent statement to them. I faxed my statement on Friday, XXXX/XXXX/2016. I called to follow up with Ditech the first week of XXXX. The customer service representative stated that the disputed was sent on to investigations. I had provided customer service and the supervisor with my contact information in my initial call and in the subsequent call. Having received no contact initiated by Ditech, I called to follow up as to whether my payment had been located. My XXXX 2016 payment to Ditech was sent and documented processing during this time. I then recieved a letter stating that my XXXX payment was not received. I contact Ditech customer service and was told I needed to provide a visual image of the processed payment. I asked how one accesses visual documentation of an electronic payment and the customer service representative suggested I contact my bank. On XXXX/XXXX/2016 I enlisted the assistance of XXXX XXXX of XXXX XXXX XXXX to help research my payments. She reports that XXXX XXXX XXXX central processing verified the payments to XXXX XXXX on behalf of DiTech on XXXX/XXXX/2016. As of this submission, Ditech has failed to contact me to confirm resolution of this issue. Resource staff contact information fails to access staff. Front line service representatives are unable to confirm resolution. At this time I am seeking assistance to resolve this payment dispute.
11/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91767	Web
I have had a loan serviced by Ditech ( XXXX XXXX XXXX ) for over 3 years. Each year, my escrow account 's funds were excessively short. The rate the impounds were collected at were set by the loan servicer and were not decided by me. I allowed the shortage to be spread with payments the two prior years. In XX/XX/XXXX, I received a new notice that my escrow account was again insufficient. I 've watched the escrow account 's insufficient balance grow year after year and had enough. I chose to make a payment to Ditech to stop the cycle of the impound account not being collected correctly versus continuing to spread the shortage. It did not appear an end was ever in sight. If you look at the history on my escrow account, it 's relatively static. It does not make sense that it would continually be short, unless Ditech set the impound rate incorrectly from the start. I paid my supplemental taxes on my own. The only escrow activity on tax payments, PMI, and hazard insurance. The payment amounts for these items fluctuate insignificantly. Ditech gave me the option of mailing a check, which is not how I conduct business in XX/XX/XXXX. On XX/XX/XXXX, I called Ditech and spoke with XXXX. She informed me that I could make an online payment. Because the payment would be applied to principal/interest, she instructed me to send a secure email asking for the payment to be reprocessed toward the escrow balance. On XX/XX/XXXX, I made a payment with Ditech for {$2600.00}. On the following day ( XX/XX/XXXX ), I sent Ditech a secure email asking for their help with reprocessing the payment. Ditech failed to respond to my inquiry. On XX/XX/XXXX, I sent Ditech a follow-up secure email asking for their help. On XX/XX/XXXX, I received a reply from Ditech indicating my " request is being reviewed for appropriate processing. '' When I called on XX/XX/XXXX, Ditech had no issue attempting to sell me a refinance to my loan. Apparently, responding to routine service inquiries is an issue to Ditech.
10/20/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	GA 30349	Web	Servicemember
A loan that I took out in XXXX was grouped into a XXXX then I refinanced it in XXXX. The original loan was paid off through the refinance. I have a letter of satisfactions in XXXX XXXX records stating that the loan has been satisfied. Currently I am facing foreclosure proceeding to have my home sold by auction XXXX XXXX, XXXX. I have contacted the servicer, who by the way is the third servicers that has tried to foreclose on this closed loan, sent them a Letter of Validation, which they were to stop all proceedings until they answer, they have not stopped the sale and have not sent the correct answer in a timely fashion. The sent an outdated Notice of Assignment from XXXX, who was fined last year and part of it asset absurbed by XXXX XXXX Ditech Financial XXXX LLC. Ditech did not give proper Notice of the alleged debt, did not allow time to cure the alleged debt and only give 30 days notice, without answering The Letter of Validation of Debt, when they did send a response it was the out dated Notice of Assignment from XXXX and a late sent Assignment from Ditech which took over XXXX in XXXX, and their dated Assignment is in XXXX, which was only received by me in XXXX, XXXX, they have not answered none of the questions asked in the Letter of Validaton of Debt and over the past three years that XXXX has tried to foreclose they have never provided the name and address of the creditor. that they are collecting for. XXXX was summoned to court last year and missed all XXXX hearing. I spoke with the VA that guaranteed the loan that my husband secured with his entitlement in XXXX and they told me that they have not had any interaction with the loan since XXXX which is the month after the loan was refinanced and secured with a security deed by XXXX filed XXXX XXXX records. I do n't understand how they are trying to collect on a loan that has been closed for 11 years. I have not received any statements and they have not shown a true accounting for what they are saying is owed.
04/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SD 570XX	Web
XXXX XXXX sold our XXXX Mortgage to Green Tree Servicing LLC a few years back. I 've been reading about harrasing calls for collecting payments and we most definately agree, they were so rude and demanding. Their calls would always start out " could I speak to XYZ '' and you respond " this is '' and the next sentence would be " do you want to keep your home at XYZ '' ). Really, what a very offensive comment on your XXXX call requesting payment information. I recall many times I commented that they put their efforts towards collecting from true " past due '' customers and not us when we did n't miss a payment in a 30 day window ). They would go so far as calling on the due date if it did n't arrive and ask where 's your payment, what 's the check number, why did n't you mail it in time. XXXX conversation we specifically remember that was so wrong on their behalf.. I questioned them as to why they continue to call every month without allowing us the 14 day grace period before it 's past due. I was told Green Tree is a collection agenecy not a mortgage company so no grace period is allowed, which I found to be very concerning as my loan was definately connected to my home mortgage for colateral. Last year, XXXX sold our primary mortgage to Green Tree as well so I 'm concerned what the future may hold for us if our payment does not arrive on or before the " due date '' and no grace period allowed ( according to GreenTree representatives ). I do have to say for a professional lending company, they have no professionalism in their business tactics. We just recently paid our XXXX mortgage in full with GreenTree so we could have the harrassing stop every single month, no matter what the date was and we did not feel they deserved XXXX in interest to support wages for that kind of customer service. If I had the finances I would pay my primary mortgage in full as well so GreenTree receives no interest from us ( but we currently do not have the resources to pay it in full ).
06/07/2019	Yes	Debt collection Mortgage debt	False statements or representation Indicated you were committing crime by not paying debt	PA 178XX	Web
In XXXX I purchased a manufactured home. I have been making automatic payments on the XXXX of the month, every month since then. In XXXX Ditech became the loan servicer for this account and continued to collect these automatic payments. The amount due has always been in my account and deducted. I have never been late. On XX/XX/XXXX I received a billing statement from Ditech claiming that I was late on my mortgage payments and that XXXX and XXXX had not been paid. Both payments had been deducted from my account on the first of the month and are documented in my bank statements. On XX/XX/XXXX I called Ditech to correct the error. I spoke with a man named XXXX. He told me that for some reason Ditech claimed I had a {$50.00} late fee and was holding the remainder of the funds in suspension. He agreed that I had never been late and that the late fee was an error. He spoke with his manager and assured me that his department put in a request to rectify the error and bring my payments up to date ( remember Ditech has my money, they just aren't crediting it to my account ) and that everything should be fixed by Tuesday of the following week ( XX/XX/XXXX ). I asked him what he meant by request and what I should do if this 'request ' wasn't honored. He said it would be, that his department put the request in to another department that would make the changes. No guarantee, of course, but what can I do over the phone? On XX/XX/XXXX, Ditech again deducted my XXXX payment from my account. However, they also reported to the credit agencies that I was late on my payments. My credit score has dropped from XXXX to XXXX. This will cause irreparable harm to my finances and most likely result in increased APRs on my other accounts, which I can not afford and should not be experiencing, as I've worked diligently for over 30 years to pay all of my bills on time. Interestingly, when I called Ditech 's XXXX number and gave my account information, the system reports my payments as current.
11/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 125XX	Web
I reached out to Ditech Financials on my sister 's behalf in the latter part of XXXX to see about applying for the HARP program, I was misinformed my a representative that the Government had discontinued the HARPS program. Upon learning that the information given to me was false, I contacted Ditech once more whom then informed me they would not be able to offer the HARP program to my sister who resides in NY due to the fact that they do not have a license to fully service her loan, being they are in AZ. We then attempted to apply for a home modification. Within days of receiving the application, two representative of Ditech informed me that they had made internal changes to their policy to not consider applicants whom had filed for bankruptcy. My sister had indicated on her application she filed for bankruptcy in XXXX of this year. She is a single working mother who is not behind on her payments but is struggling somewhat due to recent internal changes with her employer of 22yrs. She has ties to the community with family, friends, church and such and is fully committed to retaining her home. All she is in need of is some assistance in stabilizing herself and family as she goes through this financial hardship. What she is getting from Ditech is a bias resistance to assist her accomplish this. To add to that, the denial notice she received this week from Ditech says she can take her concerns up with the New York Dept of Financial Services ; however, the number provided in that notice from Ditech is for an XXXX XXXXXXXX XXXX. I find the handling of my sister 's case to be disturbingly inappropriate. She was not the one to select Ditech. Her account was transferred to them from her prior mortgage lender. That practice alone is unfair as they were not equipped to fully service her account. To add to it the misleading information on the HARP program and the policy changes made after receiving her application is unfair business practices. the XXXX XXXX only adds insult.
09/21/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	LA XXXXX	Web	Older American, Servicemember
This is a situation that was never resolve in my first complaint I had filed in XXXX XXXX. I did not realize that Green tree had filed theirs ' answer to my complaint at that time, until I received a new pass word to my old account number. The thing is Green tree did not stated the truth in their answer in XXXX. When they stated that I did not notify them to cancel a {$6000.00} policy that they had purchase from XXXX until XX/XX/XXXX that was not true. I had gave them a notice on XX/XX/XXXX it is when I gave them notice to pay XXXX who was going to be my new insurance provider for my home and they had received the information on XXXX XXXX from my insurance agent. The reason why I'm stating this because they had 15 days to cancel XXXX policy or not renew that policy, but they did on XX/XX/XXXX as they claim anyway. I was sent that {$6000.00} by XXXX instead of Green tree ending that policy, under regulation CFR 1024.37 ( g ) ( 1 ) Green tree should have cancel that policy and place those funds back into my escrow account. Now they should return all the over collected escrow funds they had already collected which is about {$4300.00} or come to some type of resolution to this problem. They had place my name into the credit report agency for not paying my mortgage which is not true, because I've been paying {$1400.00} each month since XXXX XXXX which is more then what I should pay that is {$1400.00}. I had submitted some new document into records with CFPB on XXXX XXXX under my old account number XXXX, for CFPB to look over in this matter. Ditech had been trying to get me to make a payment on what they was claiming, but under CFR 1024.17 ( f ) ( ii ) if I would had paid on their claim, I will be agreeing to their claim, that I had not made my mortgage payments and it would have given them the rights to keep those over collected escrow funds under that regulation. There must be a resolution to this situation at hand and not for it to stay as is with out a resolution.
06/08/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95747	Web
The property is in foreclosure by the 2nd mortgage company. We have filed bankruptcy but have a buyer for the property. We have been trying to obtain the Payoff Information from Ditech Mortgage with no results. If we do not have it by XX/XX/XXXX the house will be sold at auction.XX/XX/XXXX - I requested Payoff from Ditech 's bankruptcy dept and was told it would take up to 10 days. On the XXXX day I followed up only to find out the request had been cancelled because they could not send it to me ... .it would have to go to my lawyer. In this same time frame the Escrow company ( buyer ) was requesting the info as well. They were told that they would need the last 4 digits of our SSN 's. Gave them that, they submitted the request. This request was cancelled as well because now we were being told that they needed to submit a form with our signatures.XX/XX/XXXX - Followed up again. Only to be told that the prior requests were cancelled. They would take the request again and put a 3 day rush on it. Was also told they could ONLY send it to my lawyer. I verified the address on file. It was correct. Escrow company ( buyer ) requested again as well. Faxed signed authorization for the request. Ditech could confirm that they could see the request, but that it was still pending.XX/XX/XXXX- Followed up again - Requests still pendingXX/XX/XXXX - Followed up again - Requests still pendingXX/XX/XXXX - Followed up again - Requests still pending XX/XX/XXXX - Followed up again - Requests still pending XX/XX/XXXX - Followed up again - Was told they JUST received the request from the Escrow company onXX/XX/XXXX and that it was pending. They could not confirm where in the process the request for the payoff to be sent to my lawyer was. Was told that they would put a rush on this new request. I am at a complete loss here. I actually have a buyer for the property and would like to get this resolved. If this does not get taken care of the 2nd mortgage company is selling it at auction.
12/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 78665	Web
I had a bankruptcy discharged in XX/XX/XXXX at which time the judge would not reaffirm my mtg. I continued paying mtg. even after I relocated from XXXX to XXXX for a job on XX/XX/XXXX. I paid mtg until XX/XX/XXXX at which time I called mtg co. many times asking to give deed to mtg. co. in lieu of pymt. The mtg. co. took months and many calls before they finally mailed me paperwork. They then took many months to process the paperwork I submitted, and, in the meantime they kept reporting to the credit agencies that the mortgage was reaffirmed after bankruptcy ( and outright lie by the mortgage company ) and that I was not paying, It was not until XX/XX/XXXX, after almost a year in trying to resolve the issue with this home I was not living in, did they deny my request to provide deed in lieu of payment on the grounds that my credit score was too low ( 587 ). The mtg. company and their delay in sending me the paperwork and then processing the paperwork is the reason my credit score is so low. The only options they are giving me are Reinstatement, Repayment, or Modification. I live 1700 miles away, and renting the home is not an option under the Affordable Housing guidelines. I am trying to now sell the house, though the maximum price I 'm allowed to sell it for is less than the mortgage amount. At least I think it is, but I have been asking for over 4 weeks for the mortgage company to provide me a payoff amount, and I keep calling them but they will not provide the payoff amount to me. They keep making excuses as to why they can not provide the payoff amount and keep extending the date when I will receive the payoff amount. I was first told I would receive it in 5 days. I called them after 2 weeks and was told in another 4 days I would receive the payoff amount. That was over 2 weeks ago. They are holding me hostage or punishing me and in the meantime continuing to destroy my credit for a mortgage that a bankruptcy judge told me I was not legally responsible for.
09/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 97007	Web
Hi, my rental mortgage is held by Ditech ( formerly Green Tree ) and last month they included on my monthly statement an escrow payment of XXXX for forced insurance. I do not have an escrow account with Ditech and have paid my private insurance every year for the nine years of the mortgage. I called Ditech who said they did not receive my annual proof of insurance so I submitted it again. Within days I received from Ditech insurance an email stating they received my proof of insurance and they had updated my account. Several days later I reviewed my on-line statement and the escrow amount had not been removed. I have now called Ditech customer service five ( 5 ) times over three weeks and they have not been able to resolve this issue. I have been told they are escalating the matter and it would be resolved in 2-5 business days, I have been told it is being escalated and will be resolved in 5-7 business days and I have been told not to worry it will just be resolved. I had Ditech customer service phone conference with Ditech insurance where the insurance branch stated their " systems '' are showing our account is up to date but customer service stated they could not do anything since their systems still show our account has the escrow fees. I have spoken with three different supervisors who state the matter is being handled yet it never gets resolved. This morning I called to have a customer service person tell me that their policy changed as of a week ago and that supervisors no longer accept calls and can only call you back. So I hung up called right back and when I asked for a supervisor the lady immediately said " Of course please wait for the next available one '' and I indeed spoke with a supervisor. The supervisor listened, read my file and stated that she would escalate the matter and it should be resolved in 2 business days. So this journey is not over but I ca n't state how frustrating this has been and how scattered and disorganized Ditech has been.
08/30/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA XXXXX	Web	Older American
Having qualified for a {$5000.00} " pay-for-performance '' Home Affordable Modification Program principal reduction, I filled out and promptly returned the appropriate Dodd-Frank certification form XXXX provided by my loan servicer by certified mail. I retain the company 's representative 's signed and dated return receipt as proof that the form was delivered within the time period allowed for applying to receive the incentive. I became eligible for this incentive on XXXX XXXX, XXXX, however, my account was not credited until XXXX XXXX, XXXX. After subsequent phone calls to the service provider to inquire why I had n't received the {$5000.00} principal reduction in a timely manner, I was informed by the loan servicer on several occassions that it had yet to receive payment from the U.S. Treasury. The issue was not addressed by the loan servicer until I contacted the Housing Council on XXXX XXXX, XXXX to ask for help resolving this dispute for non-payment of incentive. The loan servicer sent me a letter dated XXXX XXXX, XXXX stating it was conducting research on the dispute. A subsequent letter from the loan servicer dated XXXX XXXX, XXXX stated, " Unfortunately, the Form XXXX you returned last fall was misidentified upon its receipt. Consequently, its receipt was not reported to the US Treasury, which caused the Year 6 incentive not to be paid by the government ... we apologize for any dissatisfaction this matter has caused. '' How is it possible to misidentify this FORM XXXX? I allege that the servicer was grossly negligent in its processing, and believe that this company willfully committed fraud for financial gain by preventing me for eight months to recast my loan, thus lowering the loan principal which would have resulted in less interest paid to the lender. Furthermore, I was further harmed by having to wait for the principal reduction because during that period of time, I could have taken advantage of lower interest rates by refinancing this loan.
08/10/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	FL 34243	Web
In XX/XX/XXXX I got a HELOC loan from Beneficial, I paid it off in XX/XX/XXXX. In XX/XX/XXXX I closed the account due to selling the home. XXXX released for recording on XX/XX/XXXX to XXXX recorder, loan number XXXX. I also got a copy of Satisfaction of Morgage from XXXX XXXX XXXX XXXX. which states it authorize and directed to discharge the same upon the record of the said morgage. Instrument no. XXXX in the records of the county recorder in the county of XXXX State of Minnesota This Satisfaction of Morgage. It was issued in State of Florida and Notary Public XXXX XXXX.Notary # XXXX. Now comes the issue XXXX went out of bussiness and sold a large group of loans that were not paid off to XXXX XXXX XXXX for pennys on the dollar. My paid off loan got in this mix. The account number with Ditech is XXXX, I have never heard anything about this issue till I was buying a home 4 years later, and have never worked with this company. My paid off loan got in this group of open loans, I am buying a new home and it was in under writing and on all three credit reporting companys it shows this loan is not paid off and still owe XXXX which is what the origanal loan was for. Ditech has copys of the satisfaction of the loan in my file. But will not fix there mistake. I have now lost the home I was buying and have to be out of this rental in 18 days. I am have no idea what I am going to do and I have 2 dogs and 3 cats so a rental will not rent to me with my pets. This has caused me so much stress and making me sick. I am stuck, there is a class action suit filed for the same issues with 100 's of poeple filling lawsuits. I have spoke to an Attorney both for the class action suit and a local attorney in XXXX. I will be filling a lawsuit if not corrected now. I have asked in writing for a complete payment history showing this loan from XX/XX/XXXX has never had a payment made to it. A lawsuit will take years take years and I can't buy a home. I beg of you please help me.
05/19/2017	Yes	Mortgage VA mortgage	Trouble during payment process	TX 782XX	Web	Servicemember
Our mortgage holder, Ditech, conducted an incorrect escrow analysis on XXXX XXXX , XXXX indicating a deficiency, so we contacted them by phone on XXXX XXXX , XXXX to discus the matter. After speaking to several incompetent people, we were finally told to fax the XXXX Notice of Appraised Value indicating our homestead and DV4 tax exemptions. We were given the following fax number : XXXX and have a copy of the fax transmission report with the detail, however we were given no response that they received the document. So two days later, XXXX XXXX , XXXX , we sent a message through the Ditech Message Center and wr ote the following : " I recently faxed in my XXXX Notice of Appraised Value with exemptions DV4 and HS notated. Just following up to make sure that you received this document, as I did not receive an email stating that your received it. How will these exemptions impact my monthly mortgage payment? Please send me a message detailing any changes. '' To no avail we still did not receive a response. Instead we received a notification that another escrow analysis would be performed. The new escrow analysis conducted on XXXX XXXX , XXXX is identical to the analysis performed in XXXX and is incorrect as well. Their analysis indicates a deficiency of {$2700.00} with an incorrect county tax amount and an incorrect hazard insurance amount. Although they have the corr ect hazard insurance amount ( {$2300.00} ) listed on our escrow activity page, the wrong amount ( {$2300.00} ) is listed on the escrow analysis. In regard to the county tax, t hey have the wrong amount XXXX {$8700.00} XXXX listed on our escrow activity page as well as on the escrow analysis. Our XXXX Notice of Appraised Value clearly states that the county t ax for XXXX is {$6900.00}. Our current escrow balance for XXXX XXXX , XXXX is {$4000.00}. Even if our escrow payments stayed the same, we would still have overage.
10/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 462XX	Web
My Mortgage company is Ditech. We bought our house XX/XX/XXXX. I wanted to pay my own taxes and insurance, was told I could not. Escrow monthly is {$310.00}, more than enough to cover everything. When the XX/XX/XXXX taxes came due I started getting notices that it had not been paid. Called ditech, said they paid it. VERY LONG story and over 30 hours on my part and now with fall late charges and spring coming due, I finally discovered the problem was they had the wrong Parcel #. Still they would not pay it or change it. They paid on the wrong parcel number ( {$270.00} ) every six months. Guess that low amount compared to what I had in escrow didnt cause any red flags. Finally had to get a lawyer involved even after I sent tons of paper work with the parcel description etc. It was finally paid all at once in XX/XX/XXXX. Then they didnt pay my insurance .... another fight insued and I finally got them to pay it one day before cancellation! Then they tried to tell me that my Escrow was doubling because my taxes doubled!!! This was because they paid them both at the same time so somehow that meant in their computer that the taxes doubled. Mistakenly I believed all to be fixed as they assured me it had. I did petition to take over Escrow since I had already invested 60hrs of my time to make it happen ... ... Then in XX/XX/XXXX I started getting the letters again that my taxes had not been paid! Then an email that the had in the amount of {$270.00} ... unbelievably to the WRONG parcel number again! I called and Ditech says they have NO RECORD of all the changes etc. He says that the only thing in my file is a request from me to check the parcel number I thought it was wrong ... this was XX/XX/XXXX. NOTHING else in there. Im beyond words.I just get the pat answer and no one can help. the first time around I left over 10 messages for supposed supervisers. NEVER got a call back until my Lawyers letter was received. Of coarse friday no supervisor was available.
03/25/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 741XX	Web
Ditech Financial has not credited my fixed rate mortgage account with interest paid. I made a payment for XX/XX/XXXXthat Ditech received on XX/XX/XXXX. Instead of applying extra funds to the loan as agreed, Ditech applied part of my payment toward the interest for XX/XX/XXXX, calling it " prepaid interest. '' This was the only prepaid interest ever shown on the account. They set the next payment as due XX/XX/XXXX. I wrote and called them about the error. Ditech told me they had fixed it and all extra funds had been applied to the loan principal. They re-set the next payment due as XX/XX/XXXX. So after this, the XX/XX/XXXX payment should have been wiped out, as if it had never been made. The prepaid interest figure should have gone away. It did not go away. When I made a payment on XX/XX/XXXX, Ditech subtracted the prepaid interest amount from the interest due for XX/XX/XXXX. I ended up with a negative figure for interest paid, on the XX/XX/XXXX statement. I wrote to Ditech, told them exactly what the statement should show, and why the negative interest was an error. Ditech wrote back a month later. They do not recognize any error on the statement. They have not fixed the problem of the prepaid interest in XX/XX/XXXX counting against this year 's interest. Since it's a problem of their refusing to credit the account with interest paid as of the date received ( XX/XX/XXXX), aren't they required to fix it? I don't know how the loan could be transferred to a different servicer or how the XX/XX/XXXXtax form will be correct if not. Basically, they are refusing to service the mortgage. Ditech doesn't have the capability to automatically apply extra funds as they say they will. They keep applying them to future months after assuring me they will apply them to the principal. Then I have no payment documentation. This amounts to a penalty for trying to reduce the loan principal. XXXX XXXX should not allow them to service mortgages if they will not service them.
12/17/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NC 28262	Web
My nightmare began XXXX XXXX when Ditech sent me a letter indicating that my property taxes were no longer going to be escrowed and I was going to be responsible for paying my own taxes. Along with the letter was a refund check for {$1900.00} for escrow overages. I called Ditech to inquire about it and they stated yes they removed my taxes from my escrow account and the check that was sent is to cover my XXXX taxes. I cashed the checked and the following month I paid my property taxes. I was excited of the new changes because it meant my mortgage payments were going to be lowered. Little did I know, I was being set up for failure. I find out later that Ditech made an attempt to still pay for my XXXX property taxes which my county did not accept their funds and sent Ditech a refund check XXXX XXXX. Ditech received the refund check cashed it from my county however they never applied the funds to my account. I have been fighting with them to apply the funds to my escrow account and provided numerous proof that I paid my own taxes but Ditech is firm and saying that I still owe them. Everything seemed fine and I was preparing to pay for my XXXX taxes this year when Ditech sends me another letter XXXX XXXX indicating that my escrows were short and my property taxes were not paid and they 've paid my taxes for me and I owed Ditech {$2800.00}. I called to inquire again about this matter and they stated to me that it was an error last year that my property taxes were removed from escrow and that it should n't of happened and to send it proof that I myself paid my own taxes and they would resolve the issue. It has been months and nothing has happened with Ditech and now my mortgage payments will drastically increase XXXX XXXX which will put me in a hardship and they claim that I owe them which I do not. Please help, I do not want want to lose my help as I have made my payments every month on time and paid both XXXX & XXXX property taxes out of my own pocket.
11/02/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94551	Web
I have had my mortgage with Ditech for many years, dating back to when they were Green Tree ( I believe that was their previous name ). I went through a divorce that was very difficult both emotionally and financially. The result was that I missed a few payments but was working with the team at Ditech to help me keep my home. At least that is what I thought. I worked with multiple representatives in the process and called frequently. I was asked to submit documentation that included, but not limited, to my divorce papers, my taxes, my employment, a letter of hardship, three months of bank statements, and the bills I inherited from my divorce ( alimony/child support/house valuation/etc. ). I faxed over a package and called them back to ensure they had received it and they confirmed they had but wanted some documents uploaded onto their website which I complied. I informed Dirtech that I could begin payments again on XXXX the XXXX and they assured me that they would work with me to keep my home and that there were multiple options they would work with me on. I called, as promised, on XXXX XXXX to begin making my mortgage payments again ( while the review I assumed was still going on ) and I was informed that Ditech no longer had my loan and that they had turned it over to a firm called XXXX. They said they had mailed me a letter but they did not and my history proves that every time I received something from them I called right away. I kept an open line of communication but I feel like Ditech lied and deceived me the whole time. This has caused me tremendous grief and disappointment. I was never informed of Ditech 's disposition of my request for relief and just the opposite, was continually told by multiple representatives XXXX XXXX, XXXX, XXXX, and XXXX to name a few ) that they would sincerely help. I am in a position now where I can begin payments but the new company is still counting my last payment for XXXX versus working with me on a new plan.
07/19/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 77373	Web	Servicemember
I have reached out to my mortgage company explaining my hardship. I explained then and now, that my mortgage was not affordable. I was paying {$2600.00} monthly on a {$130000.00} loan. At the time I took out the loan it was after hurricane XXXX so I understood then the high interest but I was told that after 6 months I could refinance and get a lower interest rate. Needless to say that was inaccurate and no I did not get it in writing. Please understand the background to my hardship. I have gotten behind on my mortgage I filed bankruptcy, I have had loan modifications and I am still fighting for an affordable solution. I recently received a loan modification, it was significant as oppose to what they previously gave. This time I received a 4.25 % interest rate down from 8.25 %. I had an 8.25 % interest rate for ten years. The lenders refused to lower it, now that XXXX has gotten involved it was reduced. I am pleased about that but no one is addressing the pmi another source of my hardship. Please help! I want to keep my home I have proven that by fighting to reach an affordable solution but this company is trying to force me out and I do not understand why.. My pmi MONTHLY is {$670.00}. My house note is still unresolved. All I 'm asking for is to be given a true chance at owning and maintaining my home. This is my American Dream this is my home but some big bank is making money off of forcing the middle class workers out of their dream. I do not want to raise my children in an apartment complex with XXXX XXXX and XXXX. It is my right to be able to raise my kids in a nice neighborhood, with exemplary schools. It is my right to have a fair chance at home ownership! Why am I being penalized for trying. I am asking once again to please look into and adjust my pmi I can not afford my house note due to it being excessive. Please note that this is my second complaint, I do not understand why the first one was closed because this matter was not resolved.
04/09/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77379	Web
Ref : Ditech Financial LLC - Acct XXXX We received billing statements ( Attached ) for XXXX supplemental taxes from The XXXX County Tax Assessor Collector and XXXX County Municipal Utility District in XXXX, 1st Time to Receive these Statements, for our property at XXXX, TX XXXX. After receiving these billing statements, we paid these supplemental taxes promptly. Unfortunately, Ditech Financial ( Ditech ), our mortgage company, also paid these supplemental taxes in XXXX without any communication or contact with us. Now there are overpayments on our accounts with these two taxing authorities. We do not have an escrow agreement or account with Ditech. All of our property tax payments, required insurance coverage/payments, and mortgage payments have been made on time since we purchased this property. After contacting Ditech on XXXX, we were informed that we would need to reimburse these overpayments to Ditech and they were forcing us to maintain an escrow account with Ditech. From our own research, we have determined that one of the overpayments to one of the taxing authorities will be reimbursed to us and therefore we reimbursed Ditech for one of its overpayments for these XXXX supplemental taxes. However, the other taxing authority has stated that Ditech will have to apply for a refund of its XXXX supplemental tax overpayment ( Attached Documentation ). We have submitted the refund payment we received to Ditech along with a letter, attached, explaining the payment and the need for Ditech to apply for the refund of Ditech 's overpayment. In addition, we have explained in the letter that all property tax payments and insurance coverage/payments will be maintained by us with no escrow account. Ditech is forcing us to pay for an unauthorized overpayment they made to a taxing authority and forcing us to pay into an escrow account that we have not agreed. Can you help us stop Ditech from forcing us to make these unauthorized tax and escrow payments?
02/10/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 23453	Web
In XXXX of XXXX, I purchased a foreclosed home from Green Tree Services in the amount of {$47000.00}. My mortgage started from {$420.00} in XXXX and is now {$1100.00} effective XXXX. The home was built in XXXX and is deteriorating. I 've been trying to refinance and obtain some of equity ( approx. XXXX ) to make repairs. Green Tree continuously expressed to me that I did n't qualify for a refinance and they do n't do them based on the type of " Loan '' not " Mortgage ''. They said the type of mortgage I have is a " Credit Sales Account '' at 10 % interest. I have been making out of pocket repairs and now the home requires, a roof, painting, heating/cooling etc. in which I have mentioned to Green Tree Servicing over the years. They just kept telling me I did n't qualify for a refinance to take money out for repair. Finally, I was contacted by XXXX XXXX and they which went through the full process of qualifying me for a refinance, processed all document ( title, taxes, etc ). The final approval was based on the home appraisal that failed due to the required repairs. Green Tree provided false information about me qualifying for a refinance. Now I am stuck with this home, stuck in this loan, being denied modifications, deed in lieu of foreclosure option, etc. Green Tree deferred a few payments and then added approximately {$10000.00} onto the loan. My Green Tree Loan initiated in XXXX XXXX for {$47000.00} and the payoff balance is approximately {$45000.00} in XXXX. Can someone explain this? Where did all of my money go to? I received a notice from Green Tree Servicing, now know as Ditech Morgage that my home has been submitted for " Foreclosure '' They are awaiting a date. I feel like a predator. I paid money into this home almost ten years with the balance increasing every year. Now they want to take my home, sell to someone, possibly a member of their company to pull out the equity, make repair and sell it again. Please assist. I 'm a victim her.
02/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 222XX	Web
My mortgage company offers an online payment option at a cost of {$12.00} per transaction, I have used it twice and have had the same result. The first time I tried several times to get a resolution directly through the mortgage company, they continued to charge me late fees and actually initiated foreclosure proceedings when in fact they had received my payment but did not credit my account. Unfortunately it as happened again, This time I do n't want to waste my time and energy going to the mortgage company because 1 ) they are offering a payment option and when used they do not credit your account and charge you late fees, 2 ) The frustration of dealing with multiple customer service agents, 3 ) the time and effort to correct a problem that is a result of their error. I have received a statement dated XXXX/XXXX/2016 that my account is 46 days delinquent and that I am in danger of foreclosure ; I have made the following payments {$1500.00} on XXXX, {$1400.00} on XXXX, and {$1500.00} on XXXX. The last payment was made via XXXX XXXX XXXX from their website. I received confirmation from the company of the {$1500.00} payment for XXXX ( Includes the {$12.00} fee ). What I do n't understand is they are now claiming that I have not made payments and they continue to rack up late fees. I would appreciate if they would review their own records, they are showing non payment for XXXX and XXXX which have been paid. I would also like them to review and reverse the late charges from this current episode and from the previous episode where I was charged late fees and attorneys fees for a payment made through their authorized provider for which they belatedly applied the payment in the previous incident and for which they have not yet applied the payment for the funds received on XXXX/XXXX/16. Additionally, if they are not able to complete the transaction with the current provider they have on their website, why do they continue to use said provider? Thanks.
02/07/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 159XX	Web
I am writing this complaint in hopes someone can help me. Green tree bought my loan off of XXXX which is now Ditech. I was late by XXXX days they started XXXX my phone day and night ... constantly..I asked if i could do a modification because I was going threw a tough time they said oh sure, no problem..i got everything gathered up that I needed and faxed it, they said they never got it, next day same deal i fax and they started to ignore me, stating they never recieved it, this went on for XXXX weeks. as i was keeping the fax confirmation stating it went through, They ended up denying me for a modification, harassing me to get out and would ask me if i wanted to keep the property. I asked them what my options were since the modification did n't work out they said i could do a deed in lue ... asked them exactly what that was..they said a short sale. I needed to remove everything from the house, not even a coat hanger left in the closet and i would be approved for this for sure. So I did, moved everything out that weekend ... Called them monday to let them know and the phone calls stopped and could not get ahold of them. Kept trying and trying and nothing. Finally got ahold of someon who would talk to me, said i was denied a deed in lue! after i did what they said moved everything out ... they denied my modification and now this. I went back to the house only to find a lock on the doors and can not get in. They got what they wanted me out with denying me modifications or this deed in lue. Its been over a year and they keep sending me statement of how much i owe them and they have since put insurance on the property saying i owe that!!!! I delt with harassing phone calls day and night from these people ... .for months, did modifications that i was denied only after i faxed them XXXX times and told to move out and do a deed in lue, did that,,, ,denied ... .then they lock the doors and send me more papers to do a modifcation..someone plz help!
01/04/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC XXXXX	Web	Older American
The loan I secured in XXXX for my home was with XXXX. It was a 10-year interest only loan converting to an ARM based on the LIBOR. I just received notice from Ditech ( the fourth lender since XXXX ) of the amount of my new payment beginning XXXX XXXX, XXXX. I do n't have a problem with the interest rate going up because I understood that from the beginning. What I am now discovering, however, is that the amount applied toward principal is less than the previous year which leads me to wonder if the method they use for amortizing the loan will ever bring the balance to zero. In conversations with various lenders about refinancing with XXXX, I 've been told that I would have to go through my current lender because I continue to need a no doc/stated income loan as I am self-employed with XXXX credit scores. I have been told by Ditech that there are XXXX problems with refinancing with XXXX. The first is they are showing ( incorrectly ) that my home is a multi-family home even though I have confirmation and verification from my county tax office that it is a single family residence. Secondly, Ditech is stating that since I have an Alt-A loan, they can not put me in a new loan that will raise my payment. In other words, I could not convert to a XXXX or 20 year fixed interest rate loan even though that would be in my best interest because my payment would go up. This notion is somewhere between hypocrisy and irony in that my payment continues to go up each year with my current ARM and could go as high as 10 %! My concern is that there may have been unscrupulous business practices on the part of XXXX and unwittingly continued with Ditech. As mentioned, the original loan was a no doc loan since I 'm a self-employed XXXX with excellent credit scores. That has not changed, however, I am now XXXX. I 'm hopeful there is a no doc XXXX or some instrument that would not be starting all over again with a 30 year mortgage - or possibly modifying my loan.
09/14/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07087	Web
Hi CFPB, I've refinanced my house in XX/XX/XXXX. Not long after that, in XX/XX/XXXX, my contract was then transferred from the original bank that refinanced my house : XXXX XXXX ( debt collector : XXXX ) to a new debt collector called Ditech. The problem is that, because of a miscommunication between the companies and me, I should have started to pay Ditech in XXXX, but, instead, I've started paying in XXXX. After paying Ditech, I was informed by XXXX that I should send a check to them in order to cover XXXX, what I've done and can proof. So, then, I've called Ditech and they told me that were going to use the XXXX payment to cover XXXX and should be all set. They never did. Instead, they've paid XXXX for XXXX, so then XXXX received two payments, one from me, and one from Ditech. Last month I've contacted Ditech to negotiate my interest rates and they finally discovered the problem. As soon as this happened, they've started to charge me two mortgages, instead of one and also started to send letters threating me about foreclosure. I've called Ditech and said that they have to get reimbursed by XXXX. They said that they can't do anything about it and that I should ask XXXX to reimburse me instead, so then I should use the money to pay Ditech until the end of this month, otherwise, it will have consequences ( more threats via phone ). I've sent two faxes, one to Ditech and one to XXXX, showing my proof of payments. I've contacted XXXX, but they said that just solve problems like this via fax. The problem is that the time is passing by and they've never replied to anything, even though my fax has my phone number, email and all the details of my account. When I call them, they say that don't have any information about my account. I want to solve this asap as this will affect my credit and also because I don't want to pay interest rates, as this was never my fault. Thank you so much for your services CFPB. Best regards, XXXX XXXX
03/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 40391	Web
I paid Greentree Servicing, LLC XXXX payments in XXXX and XXXX after my loan was up because a rep. with their company told me if I made the payments I would be fine nothing would happen. Then they mailed a paper dated XXXX/XXXX/15 saying I owed a balloon payment owing them {$2400.00} and then they turned around a day later I received a certified letter I signed for on XX/XX/XXXX saying that I owed {$3000.00} and that letter was dated XXXX day later on XXXX/XXXX/2015 so it went up {$570.00} plus a {$5.00} late fee was added into that how I dont know? Then on XXXX at XXXX I spoke with XXXX XXXX and we cam to an agreement settlement that if I paid them {$6100.00} that my account would be paid off in full and I told her I wanted documentation that it would be and she refused to send me anything. So finally XXXX XXXX XXXX sent a letter saying if I sent a certified check by to the XXXX it was paid in full. I asked XXXX XXXX if I could deduct the checks from XXXX & XXXX and he said XXXX XXXX we have had a good relationship so far and if you deduct those amounts from the money or stop payments on any checks we WILL have a problem.Now today XXXX/XXXX/2015 I get a letter in the mail from XXXX XXXX saying my account will be paid in full when I send {$500.00}. I have XXXX payments missing from my account payments and I found XXXX of my check registers and XXXX of the payments was over {$900.00}. How is this company still in business. They said I owed them money because I had late payments but looking at the statement they gave me its all under XXXX days except a couple was XXXX days and most was XXXX days and they can put in willy nilly. They have law suites for holding payments to charge interest. I added the spreadsheet ( because thats all it is ) and the columns dont even add up. If you make an agreement and its in writing how can they turn around and then tell me I owe {$500.00} more. I 'm on XXXX with XXXX kids and they know that. Please help.
05/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	ID 83646	Web
I had a foreclosure on my home in XXXX. Ditech reported it on my credit in XXXX XXXX. The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not. XXXX XXXX XXXX contacted Ditech telling them this debt ( charge-off of {$35000.00} ) was too old and needed to be removed. They refused to remove it, stating we had made payments in XXXX, XXXX and XXXX of that year ( XXXX ). We were unable to purchase a home due to their fraudulent claims. I disputed it with XXXX and thankfully they removed it. I have tried to dispute with XXXX ( XXXX XXXX ), but Ditech reported we never missed a payment from XXXX to XXXX and we make payments on the loan every 3-4 months. They have not reported to XXXX any payments received by me, but the total amount is still on that report. We have received settlement opportunities from Ditech in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from XXXX, how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in a 7-year period to upload for this claim, we are asking that Ditech show " proof '' of my supposed payments to them. At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible. Thank you so much for your time with this sensitive matter. We would greatly appreciate any help. Sincerely, XXXX
12/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19138	Web
On XXXX 2016 I made full payment for home owners insurance for my property XXXX XXXX XXXX XXXX Pa XXXX. The cost of the new policy was significantly less than the previous policy. From XXXX 2016 until present date Ditech has continued to escrow funds in excess of the total amount due divided by twelve months. The total amount of mortgage -principal, interest, real-estate and home insurance has not been assessed so that the correct amount of funds are credited as additional principal that I that I pay each month. The homeowners insurance was paid in full so there it should not have been included in the escrow balance. The total amount due for the mortgage should have been decreased or I should have received a refund of overage paid to my account. My home new home owners policy cost less than the previous one. I paid it in full. Yet Ditech continues to take funds from my payments and place them in escrow for the homeowners insurance. The additional principal has not been actually reflected on the statements. The principles should be significantly reduced because I pay an additional {$74.00} principal each month. Plus a XXXX balance due for home owners insurance should reflect be reflected on my statement. Ditech owes me for overage paid to my escrow, but a recent statement sent to me states that I have a deficiency of XXXX. This is not accurate. Also what are the rules that govern collecting a cushion for escrow Ditech is planning to collect & {$360.00} as a cushion escrow. Why is there a escrow cushion be calculated into mortgage if payment for the homeowners is paid in full. The escrow account disclosure is inaccurate and appears to be a deliberate effort to not reflect what was actually paid and what is actually owed. I want an independent assessment of my account. I want excess monies paid into my escrow refunded and I want all future additional monies paid to be credited as additional principle. XXXX XXXX Account number XXXX
08/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 44131	Web
I refinanced a mortgage loan ( Loan No. XXXX ) with Ditech Financial llc in XXXX 2016. I made my correct monthly payment of {$670.00} on XXXX XXXX, 2016. This payment reflected my previous payment of {$310.00} to cover an escrow shortage as requested in Ditech Escrow Account Disclosure Statement dated XXXX/XXXX/2016. As part of the refinancing process, I received an email from XXXX XXXX at the Originations Operations, located in XXXX, CA, instructing me to submit {$26.00} for an escrow adjustment. I sent that payment on XXXX XXXX, 2016. Ditech for some reason applied {$19.00} of this amount as a late fee. I contacted Ditech ( XXXX in South Dakota ) who said she would correct this transaction. I also notified XXXX XXXX and informed her of this error. XXXX replied to me in an email dated XXXX XXXX, 2016 ( XXXX ) : " For your information, you do not have late fees on your account and {$26.00} was not applied towards late fees, it was applied to your XXXX mortgage payment ... and were applied towards escrow account ''. After this correspondence I also contacted XXXX ( XXXX XXXX, MO ), XXXX ( South Dakota ), and XXXX ( XXXX XXXX, MO ) regarding getting this error corrected. All replied that they would involve their supervisors in correcting this error. I was also advised to contact Ditech via email to further emphasize the need for action. Today ( XXXX XXXX, 2016 ) a letter from Ditech explaining that my payment of {$26.00} was considered " late '' and therefore a late fee of {$19.00} was properly assessed. So after all these months Ditech is still unable to correctly understand the issue, nor are they able to correct the inappropriately applied funds. I am frustrated that Ditech personnel appear to be unable to make corrections in their system. Each person I have spoken to agrees that the funds were misapplied, but it appears the customer service reps are located in remote areas and have little or no contact with the main organization.
05/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 357XX	Web
Our mortgage was sold to GreenTree from XXXX in XXXX, 2013 and from XXXX, 2013 we have had nothing but problems. First they started calling XXXX times daily. When we would return the call and was transferred through several people they talked to both my husband and I like we were ignorant. When our payments are made they are often held. I have something showing on my statement " unapplied funds '' and " Corporate Advance Balance '' and when I inquired about this I was told it was a government charge. We attempted to get a Hamp or Harp modification and was denied for both of those ; however they did modify our mortgage AT THE SAME INTEREST RATE AND EXTENDED FOR 40 YEARS. At this rate we will never get the mortgage paid off. I have misc. charges like Appraisal-inspection fee that I know nothing about. I have also included a breakdown of my payment history and as you will see there are several speedpay charges. If fact even though it shows some paid in cash I have NEVER sent them cash. We were told the only option we had to pay WAS speedpay. I have been in the mortgage/banking division for almost 20 years and I can not make sense of how they are applying any of my payments. I also would like an exact explanation as to why we were denied the HARP modification. My monthly payment including escrows should be {$800.00} but I have never received a statement showing that account. We I call to question anything I can not get a straight answer, am constantly transferred to another person only to be told that I have no idea what I am talking about. I understood the whole modification process was to help struggling homeowners, not treat them like trash. I have reached out all over social media and have not found XXXX person they have modified who is not have issues with them. I would like to make a payment and have it show amount applied to principal, interest and escrow and not all of these other " '' accounts '' they are putting my money in to.
09/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 01905	Web
Ditech gave a deadline of XXXX XXXX, 2015 for me to respond to their modification offer. The offer adds " expenses '' to my new modified balance that are not explained. I sent a Qualified Written Request asking for an explanation of these expenses, but Ditech has refused to give me information. On Wednesday, XXXX XXXX, 2015 my wife XXXX called Ditech at XXXX about sending a Qualified Written Request asking for information about your modification offer. She was told to fax the letter and specifically told she did not need to send it by mail. She followed up by calling Ditech at the same number on XXXX XXXX, 2015. She spoke to a Ditech representative at extension XXXX. That representative said Ditech would not provide any information to respond to the Qualified Written Request that was faxed to Ditech on XXXX XXXX. The Ditech representative claimed the information I asked for was already included on page XXXX of the modification, but that is completely false. I asked for an explanation of the charges, and page XXXX simply lists XXXX very broad categories of charges with no explanation. Specifically, the letter from Ditech dated XXXX XXXX, 2015 includes a permanent modification offer and says that the " new balance '' of my modified account includes " past due interest in the amount of {$14000.00} '' and " eligible servicing expenses of {$13000.00}. " In the fax of XXXX XXXX, I requested a detailed list and explanation of what is included in the " eligibile servicing expenses of {$13000.00}. '' I also asked for an explanation of how the " past due interest in the amount of {$14000.00} '' was calculated. I submitted a new Qualified Written Request asking for this information again by fax on XXXX/XXXX/15 and by mail on XXXX/XXXX/15. But I am concerned that due to the Ditech 's refusal to respond to my original request, I will not have the information I need in order to respond to the modification offer before XXXX XXXX, 2015.
06/27/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91351	Web	Older American
The first request sent to obtain a Lien release from Ditech Financial was on XXXX XXXX. We have been trying to close escrow since last Thursday but we can not because the buyers lender requires a copy of the XXXX XXXX XXXX be completed and signed by Ditech before they will fund the buyers loan to close escrow. For each day they delay in getting this to us we are paying an additional days interest because we can not make payoff until buyers loan funds. Our Escrow company has been calling multiple times a day for the last 2 weeks trying to get this completed form, I myself have also called many times. Thursday I called twice, tried to escalate it to a supervisor in the lien department, they informed me that this department does not answer phones, I was informed it was escalated via email to a supervisor and that I should have resolution within 24 hours. This did not occur. Yesterday our Escrow company was informed that the original request which was sent on XXXX XXXX was made on an incorrect form, why was our Escrow company not informed that the paperwork they received was incorrect? Our Escrow company resent the correct paperwork yesterday, and called this morning ( XXXX ), they were informed that it takes 3 days for the Fax to get into their system?? The Escrow agent that initiated the request was told by one agent at Ditech that the Lien department was 6 weeks behind! I have attached the documents sent to Ditech from XXXX/XXXX/XXXX through yesterday XXXX/XXXX/XXXX. These contain emails and faxes to a multitude of people that I was told to send my requests to and these include the Lien Release Department, supervisors and customer service people. We can not close escrow or transfer the mobile home title without this document that it is a requirement of the State of California Department of Housing and Community Development and that every other mobile home lender gets these to our escrow company within a couple days of the request.
03/23/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32277	Web	Servicemember
To whom this may concern, XX/XX/XXXX Apparently, there is a fraudulent account in my name with my social security number and current home address attached. A judgment in the amount of {$53000.00} has been created against me because of this fraudulent account not being paid ; because of this judgment against me, I am unable to sell my home without paying the lien and move on with my life. According to the credit application, this account was opened XX/XX/XXXX. The company that has placed this lien against me is called Ditech Financial LLC. A couple of months ago I contacted someone by the name of XXXX from Ditech and informed him of my situation, and he made me aware that I needed to dispute the charges. I was also made aware that an investigation would take place soon thereafter. The process of the dispute had me to manually fill out paperwork before a notary and initiate a police report. There were no issues with this process especially since the original paperwork was done manually. The attached paperwork contains the original installment contract, credit application, the title, the dispute denial, and the dispute paperwork which contains my writing. Accordingly, I felt like whoever could clearly see the differences in handwriting since I was able to see the original installment contract that they had on file. So now I am at the point of feeling like I am getting the run around because its getting harder to speak to anyone about this and recently they have stated that my claim has been denied. This is difficult to accept because the handwriting on the application is not mine, and the credit application signature block stated signature on file. To me, this means they did not even sign the credit application! This account was fraudulently created because I was never or had any understanding of the signing process. Therefore, any signature on any of the attached paperwork for credit is not mine and I am without a doubt disputing.
02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web	Servicemember
According to my credit reports, Ditech is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of Ditech stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to Ditechs fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted Ditech to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. Ditech assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that Ditech refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by Ditech, I also incurred a late payment fee by Ditech because Ditech refunded one of the duplicate payments without my authorization. I believe Ditech did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that Ditech refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of Ditechs unauthorized refund of one of my payments. I DID NOT REQUEST DITECH REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.
05/12/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77429	Web
Ditech is the servicer on my mortgage loan. I have not had an escrow account in years. I paid my taxes in full the end of XXXX for the full year of XXXX . Ditech sent me a statement on XX/XX/XXXX and attached an escrow account and billed me for it. By law they are not allowed to do this unless I am delinquent on taxes or insurance. I am not. My mortgage payment on my loan terms is {$640.00}. I have automatic withdraws on my bank account and they are taking {$970.00} a month. I called on XXXX XXXX XXXX when I realized what happened. I spoke with XXXX in the Tax Dep artment. She said it would be corrected in 5-7 days. S he admitted that they made a mistake and paid XXXX county my taxes for XXXX . I faxed them on the same day proof I paid my taxes to XXXX . I received confirmation they received this. In XXXX , they charged me the correct amount of {$640.00}. On XX/XX/XXXX I called again and spoke with a manager named XXXX . These calls are recorded by the way. She said there were waiting for a refund from XXXX county before the refunded my money and quit charging me for an escrow account. She mentioned it was their mistake as well. However, XXXX and XXXX they took {$970.00} again. I called back on XXXX and spoke with XXXX XXXX in the tax department of Ditech a nd his manager XXXX . They both promised it would be resolved in a few days as well. Now they are taking {$810.00} out of my account. This is the XXXX month that I 've had to take an hour out of my day to call and try and get them to stop taking my money. This is illegal and it 's not my fault that they made a mistake and paid my taxes. My loan terms clearly state that I do not have an escrow account. I 'm frustrated, want my money back with interest and want them to stop taking money from my bank account illegally. I can n ot imagine how many other people they have done this to. I 'm sure I 'm not the only one.
10/26/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 93245	Web	Servicemember
XX/XX/XXXX I lost my job and so did my husband. We were both making payments towards the house with no problems. As a result in my job loss my husband was the only provider and it became stressful and financially we were unable to make payments on our mortgage. I contacted the mortgage which was XXXX through XXXX XXXX XXXX. They tried to modify our loan and help us make lower payments. Then we got our result back and it was still high and we could n't make payments. By the time we tried again to modify, my husband lost his job due to the company going out of business and we were left in a bad position. So I contacted the bank and asked to put the house on the market and that did not go well. Did n't sell, then we went through a process of short-sale, deed-in-lieu and then I voluntary gave up the house and we moved out XX/XX/XXXX. We were given the run around by the bank every time we tried to get out of the house and the bank kept changing ownership through this order : XXXX, XXXX XXXX XXXX, Green Tree and now Ditech. Every time we get a process started we have to start over with another company. It has become very frustrating. We do n't live in the house because my husband joined the XXXX XXXX XX/XX/XXXX and we live in California and are unable to make any payments on this house. We have been trying all these years to get the house out of our debt and always hit a stand still in our efforts. We ca n't afford it and want something done. Please help us get the mortgage company moving on a outcome. We are no longer interested in keeping the home. Please fix the issue! We are very unhappy with the banks effort to help us! My husband wants to XXXX within the XXXX and because of the house our credit is a huge issue. He ca n't have high security clearance because of the mortgage being a huge debt. We need to get the house off our credit so that we can pay off the small debt we have to establish a clean and well standing credit score.
05/09/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 190XX	Web
This is t he 3rd c omplaint I 'm submitting ag ainst Ditech Financial. I keep sending the proof and I 'm getting no where. In XXXX XXXX sold the mortgag e to Green Tree, who then became Ditech. T hey keep saying that I had a NSF from XXXX XXXX , XXXX . My XXXX payment was sent to XXXX and cashed, paid to the ord er of Green Tree. I ' m attaching a copy of the cashed check. I was using my boyfriend 's bank account but my loan # was on the check and as you see, it was not returned as NSF. I 'm also getting statements fro m Ditech showing " funds in suspense ''. They are not applying my funds to my principal balance, I do n't know what they are doing with my money. I pay twice a month, this was done to pay off the loan sooner. First they said I was in default from XXXX XXXX , now they say that was wrong, it 's XXXX XXXX , well the cancelled check is attached. I also received the attached threatening letter about foreclosure. It 's dated XXXX / XXXX / XXXX , and it says my next payment is due XXXX / XXXX / XXXX . Also attached are my bank statements, I ha ve two diffe rent banks. As you can see, both payments for XXXX were taken from my accounts and the first payment for XXXX was also taken. Where is this money going? Why is there not a class action law suit. Read all the complaints that you 've received. They are all similar to mine. The closer you get to paying off the loan, the more they threaten and say you owe money. This has been going on for 4 years, I keep sending them the check. My payments are not being applied properly. They are literally stealing my money. Attached is the cashed check from XXXX / XXXX / XXXX , a copy of the threatening letter received on XXXX / XXXX / XXXX , a copy of the fax sent to Ditech today, XXXX / XXXX / XXXX with the cancelled check and my bank statements showing both payments for XXXX XXXX and one for XXXX XXXX , the other gets paid XXXX / XXXX / XXXX .
04/03/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NY 146XX	Web	Older American
I have been attempting to obtain a loan modification on a mortgage at 6.8 % with XXXX XXXX XXXX for several years. I submitted complete applications by mail to XXXX on several occasions and attended a workshop held by the bank at the XXXX XXXX XXXX XXXX. With the representative assisting me, another completed application was made and all supporting detail was given directly to the bank representative. Over the course of this time, I was assigned several primary contacts with the bank, all of whom were extreme difficult to reach and did not return messages. Ultimately, I was informed directly by the bank that I had failed to submit all documents on a timely basis and therefore a modification could not be rendered. A few days after my last conversation with the XXXX, no resolution in hand, I received notification that my loan had been transferred to Green Tree Servicing. That was two years ago. Until XXXX 2015, Greentree has been oblivious to Harp or Hamp regulations and has consistently referred me to their refinance department where I was told they could not help me because they are not licensed to write loans in New York state. In XX/XX/XXXX I was given the name of my new primary contact at Greentree to whom I sent all required detail via Registered return receipt mail. I was then notified that I had failed to return necessary detail and therefor consideration for a modification was terminated. I have verified on the XXXX web site that the loan is one of there 's and eligible for modification. The house is in a nice suburban residential neighborhood. It is in good condition but attempts to sell at or below its appraised value have been unsuccessful due to the substantial number of foreclosures currently available at distress pricing. I 'm left in the untenable position of paying extraordinary interest on a property that can not be sold at sufficient enough price to satisfy the loan principle closeout let alone closing costs.
11/12/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21014	Web
My XXXX mortgage payment was made to Ditech Financial on XXXX XXXX in the amount of {$1600.00} on the online Ditech bill pay feature on their website. The website only allows you to enter the account number and routing number one time into their payment system when entering the payment. I provided the payment information and selected confirm payment. I received a confirmation email advising payment was submitted. On XXXX XXXX I received a letter in the mail advising me that my payment had not been applied and that I had been marked as 30 days late and a late fee was applied as well. I had the money in my bank account and because a XXXX was left out inin the account number section, my payment had been rejected. I immediately contacted Ditech to advise that I had made my payment on time & had I known before hand that the payment had not gone through due to the omitted XXXX in the routing number, I would have resubmitted the payment before it was marked late. I then made a double payment over the phone. The online system at Ditech does not allow the customer to entering the routing number twice to make sure the numbers are correct in order to prevent any errors. Ditech did not contact me by phone after the payment did not go through and and I did not get an email either. Since a letter was sent instead and it arrived causing the payment to be reported as 30 days late. When I asked Ditech to remove the 30 day late notice, they advised that they would not do this. I have paid the late fee, and having the 30 days late has caused my credit score to drop by 80 points. I have small children and the area I currently live in has become more rampended with crime.I am trying to buy a house in a better area, and now the 30 day late is causing me to not be qualified to buy a home. I have never been 30 days late on my mortgage with Ditech. If needed a bank statement can be show showing the money was available on XXXX XXXX for the payment.
06/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32444	Web
At the beginning of the year, I asked DiTech if they did biweekly withdrawals from my checking account to pay my mortgage biweekly. They said yes and I approved them to start withdrawing {$600.00} every 2 weeks. That worked for 1 month until the first problem happened. They changed the dollar amount on the withdrawal themselves to {$590.00}. that went on for 2 months. Then the next problem was that they changed my account number without notifying me. I was told by them that they upgraded heir system and everyone 's account # changed without notifying any of there customers. This is where the real problems started in XX/XX/XXXX. I started getting phone calls saying I I was late on my payment and that I needed to get caught up. This was not possible since they were the ones taking my payment out of my account. After multiple phone calls and talking to supervisors we finally discovered the problem. They had somehow partially applied my payment to principle and left the other part in suspension which now was not enough to make a full payment. ( I do n't understand this either ). I was told that there new system did this to many people. Now it is XX/XX/XXXX and they still do n't have the problem fixed. I stopped the Biweekly program XX/XX/XXXX because they can not be trusted to handle it correctly and I have been making full payments for XX/XX/XXXX and XX/XX/XXXX. Now here is the real problem. Not only have they not fixed the problem, but I get harassing phone calls 3 times a week from a different person every time. I was told by XXXX different supervisors that my name and phone # would be removed from the call list until they fixed the problem. That turned out to be a lie. Now they are calling my work phone and still harassing me over a payment that they have. I am not behind on my payments. I have had this house for 14 years and always paid early and extra. DiTech took over XX/XX/XXXX and it has been a nightmare ever since.
06/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 54311	Web
XX/XX/2016 I received a letter from Ditech stating my mortgage payment has not been received, thankfully for me I keep very good records and at the time I was paying via money order because I was not going to pay their ridiculous fee of {$12.00} to pay online. I called Ditech and let them know I paid my mortgage and I don't understand what the problem is. They told me I had to go to the business where I purchased the money and get proof which cost me {$24.00} on top of the late fee they were trying to charge me. After so many phone calls and broken promises from the incompetent people that work at Ditech I was able to get the situation taken care of weeks or months later. Come to find out they applied my payment to someone else 's account. The next thing that really broke the camels back was when I received a notice in the mail XX/XX/2016 from Ditech stating they paid my taxes which are not escrowed, we pay out of pocket every year. I called them and told them to take their money off so I could pay my taxes, they refused stating I was delinquent on my taxes. In my County our taxes are not due until XX/XX/XXXX so again Ditech was messing with my account information once again, they stated they inadvertently entered our account and paid our taxes when it should have been another members account. I was promised a letter of resolution and a call to our county treasurer to reverse the payment off so I could pay my taxes. After all this time we are now being sued for the tax payment and being threatened by the collection agency working with these losers. Please do not do business with this incompetent company. Customer service has no clue what is going on and they are extremely rude. Needless to say after the tax incident I went with a credit union in my hometown and have not had one single problem with them. One other note : this company has already file bankruptcy twice that I am aware of. BUYERS BEWARE-THEY ARE SCAM ARTISTS
07/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27616	Web	Older American
On XXXX XXXX, 2016 I cancelled XXXX XXXX homeowner 's insurance and contracted with XXXX XXXX for homeowners as it was much cheaper. On XXXX XXXX the XXXX policy went into Effect. Ditech my mortgage company paid {$740.00} to XXXX XXXX without a policy being in effect on XXXX XXXX and XXXX XXXX cashed the check knowing it was cancelled. Then Ditch paid XXXX {$500.00} shorting my escrow account. So they paid XXXX homeowners insurances. I told them not to pay XXXX XXXX verbally and they paid them anyway knowing I had XXXX insurance. I have been in contact with the NC Dept of Insurance, The NC Banking Commission, The XXXX and with XXXX XXXX at XXXX XXXX XXXX on your side. I have filed complaints with all of these agencies. I have placed a phone call to XXXX XXXX, XXXX of Ditech Financial, LLC with no return call back. They have charged late fees, threatened to ruin my credit, said I owe them {$1100.00}. My payment was {$570.00} and is paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But they have stolen my money and have taken it from my payments and charged exorbitant interest rates, hardly put anything on the principal and they sent me a check for {$520.00} which is in error and I have not cashed this check. These people are total XXXX. This is simple math, their error. All I did was change insurance companies and they have totally mishandled my account and have not rectified it yet. I want them to be prosecuted to the fullest extent of the law and put out of business as they are not competent to handle money. I have talked with their customer reps and supervisors to no avail thus I have filed numerous complaints hoping someone can resolve this for me. The laws need to be changed because Ditech should not have been able to pay XXXX homeowners policies when I had cancelled XXXX. Please help me. I am XXXX and have this mortgage and they are causing me so much XXXX and I have a XXXX XXXX. Please get these XXXX to fix my account.
11/03/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA XXXXX	Web	Servicemember
I have been contacted on numerous occasions by the mortgage servicing company, Ditech Financial, LLC on behalf of my deceased mother 's account, whom was the sole-owner of the mortgage debt. The loan inception date was dated back to XX/XX/XXXX, under Green Tree Servicing. She passed away in XX/XX/XXXX ; the family has been in the process of legally obtaining the Administrator of Estate in the state of Georgia. Currently there is not an executive administrator in place in place for any person ( s ) to legally handle her debt with any debtors. We have advised them on several occasions of this matter. I myself have continued to make payments on the mobile home using my fixed income until we can get all the legal matters cleared. Unfortunately, the payments were not made promptly each month and they have called and harassed daily on my cell phone and landline to collect on the account. The main issue is I am not the original loan holder and do not feel i should be harassed in such a manner by the company or its collectors ; they have threatened to come pull the mobile home from the land, mailed certified letters to my address, canceled insurance ( per their conversation ), and will not provide any significant details on the account except the current payment due and demanded I pay immediately using their preferred method of XXXX/or XXXX services to bring the account up to speed. The representative name over our account is XXXX and she has been contacting me for over two years now and is fully aware of my deceased mother and continues to contact me with harassing collection practices. On one occasion a representative contacted me regarding the debt and I advised her of my fixed income situation and the legal proceedings of the Administrator of Estate. The representative advised me the account could possibly qualify for some type of " hardship '' after we brought the account up to date but we have yet to receive the paperwork.
04/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78664	Web
Dear XXXX ; Complete failure again by your company leaves me both powerless and victimized. This note is to inform you that yet again Green Tree fails to keep good accounting records and provides zero customer service. I have no faith in your ability to carry out basic business practices and repeat my request to please sell my mortgage to another company that may value me more as a customer. For anyone unaware of what has happened and continue to happen. You need only to look at statements dated XXXX/XXXX/2015 & XXXX/XXXX/2015 where the principal balance remains exactly the same. Please note the amount due in both statements are vastly different. This is a clear action by the company to withhold my payment to gain more interest. How is the evident? The company gets automatic payments twice a month from my bank account and has for many years. It should be impossible for there to be a late payment or for the principal balance to remain the same from XXXX statement to the next. I 'm making XXXX payments within a billing cycle and Green Tree withholds the payment for financial gain. That is theft. Most recently I contacted your customer service phone line where a representative could not explain the error in statements. She claimed a corrected statement would be sent to me within 3-business days and that would have been XXXX XXXX, 2015. It has yet to arrive. When asked how I could trust the value on the pending statement to be accurate since the last one was not, she could not provide an answer. Upon my request she transferred me to a supervisor and that line never led to a human answering the line. A copy of this note is being sent both the Federal Trade Commission & the Consumer Financial Protection Bureau. It is important to note I will also reach out to various lawmakers to seek some kind of solution that prevents this powerless situation where a customer is held hostage by a bad company. Very disappointed XXXX
09/04/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 49024	Web
In febuary I entered into a loan modification period with Ditech mortgage company. The first payment was due XXXX/XXXX/XXXX. We made the first payment on XXXX/XXXX/XXXX for the XXXX XXXX due date. The second payment on XXXX for the XXXX payment, the third payment on XXXX for the XXXX payment, XXXX payment on XXXX for XXXX payment, XXXX payment on XXXX for XXXX payment. Soon after we made the XXXX payment, ditech sent us a letter stating our modification was finalized and we were due on XXXX XXXX. We already paid XXXX 's payment on XXXX. They did not apply our payment made on XXXX for XXXX. They charged us twice for XXXX month. We paid XXXX on XXXX and they also charged us again for XXXX after the finalizing of he modification and did n't consider the payment we had just made. It seems it had just gotten lost in the process and no one looked closely enough at our account to adjust for the payment we made. We continued to make a payment on XXXX payable for XXXX, but they are saying we are a month behind now and charging us late fees. I have called 3 times and have been argued with and finally after the XXXX time, the person named XXXX, stated that I was right and confirmed with the supervisor that I was correct. His explanation was that no one had looked closely at our account and it definitely needed to be fixed. They requested an audit the end of XXXX. I am continuing to get late notices and it does n't appear to be resolved. Can we please have help on getting this resolved? It is extremely urgent this is cleared up, because they have taken {$1200.00} of our money and will not apply it correctly or return it to us. I 've attached a photo of the payments made from our bank account. A copy of the trial modification letter with schedule of payments to be made, and a copy of the finalized modification page showing payment amount due on XXXX for {$1200.00}. We already made that payment on XXXX due on XXXX for XXXX.
05/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07036	Web
Today at approximately XXXX i called Green Tree to schedule a payment for my mortgage. At such time i spoke to XXXX my account rep. I explained that i was going to be about 34 days late on my mortgage that i will pay it on XXXX/XXXX/15 for the XXXX, 2015 payment. I have done this on XXXX other occasion in the last few months. During the conversation she sees my payment history usually late but like i said only once pass 30 days and i catch up. She tells me to hold on and transferred me to a XXXX or XXXX i could not hear very well. The conversation becomes aggressive immediately demanding that i come up with the money before XXXX XXXX. His tone out of control. I said excuse me did n't your company just settle a suit with such tone, harassment against your clients? He says I 'm not harassing you. I said well guess what are you going to accept my payment for the month of XXXX now for XXXX XXXX? He said no only if you pay XXXX months XXXX and XXXX. I said look i will pay XXXX on XXXX XXXX. XXXX looks as if it will be past due about 35 days. In XXXX i get paid XXXX times that month i should be able not to fall 35 days behind. His tone becomes high demanding again and now even more uncontrollable. Telling me, i just pay rent since i can not keep up with my payments. I told him that i hope this is being recorded bc he is out of control also mentioning that I 'm protected from when i filled for bankruptcy a few years ago that i paid XXXX for this house owe XXXX now and that I have read the contract that i signed under the modification prior to my bankruptcy with them. He keeps on with his tone and anger disrespecting me demanding. That i must pay. I then identify my self as a XXXX and that i do not like his tone. He goes on demanding the payment before XXXX 2015 he adds by saying " pay out or leave your paying rent ''. I said wow i cant believe i hope this is all recorded and before i loose my cool i decided to hang up.
06/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91709	Web
My loan was serviced by Greentree previously and than transferred to Ditech on XXXX/XXXX/XXXX. I have 2 complaints : 1. I realized I did not receive my XXXX when completing my XXXX taxes so I requested online. I received multiple letters telling me that they were " in the process of reviewing your request. Our research has not concluded. '' What research was needed for printing a XXXX to send? First week of XXXX, I received 1 letter size envelope and 1 legal size envelope. They both contained printed copies of 12 monthly statements rather than the XXXX I requested. It took 2 months to have 2 different people taking copies of my statements rather than sending me the XXXX? 2. My last payment is due this month. I tried calling 4 different days and times to ask if the final payment needed to be mailed and to stop the auto payment. The recording indicated it could not process my request since my loan was recently transferred and it would take a couple of weeks to receive the paperwork. My loan was transferred almost a year ago ( in XXXX )! There was no other options given on the recording to speak to someone. It just said " good-bye '' after the other message. I went online to make an online payment. It did not work. At this point, I was in a panic so I went to USPS and mailed my final payment check for next day delivery ( paid {$27.00} ). My account shows the check cleared XXXX/XXXX/XXXX. However as of today ( XXXX ), the payoff is still not reflected on my account. As you can see, I made every effort to make my final loan payment. However, Ditech made it impossible to speak to anyone or make my payment on time. I believe this was way for them to show me delinquent on my last payment and to charge me late fees. Just like Greentree before them, it shows the incompetence ( sending monthly statements rather than a XXXX ) and the shady way of doing business ( to have my loan go delinquent and to charge a late fee ).
04/04/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92106	Web
I have a home loan that is serviced by Ditech Financial. They have been ripping me off for months through an illegal " escrow account '' and will not respond to my multiple emails about the issue. They are applying {$88.00} of my monthly payment ( starting in XX/XX/XXXX ) each month to an " escrow account '' for " earthquake/A, '' whatever that is. I did not initiate an escrow account with my mortgage for taxes or anything else, nor have I ever requested or authorized one. Nor is there any legal basis for them to initiate one unilaterally. Our taxes are paid, our private homeowners insurance policy has always been in place. I recently spoke to Ditech 's own insurance services group and they confirmed there was NEVER A LENDER PLACED POLICY ON MY LOAN. They had no information about my escrow account and directed me back to general customer services. It's near impossible to get their customer service people to answer the phone. When I have gotten through, on XX/XX/XXXX, I was told they would open an escrow account review and it would be done in 30 days. That I would receive a copy of the review. I never got any response, despite multiple follow-up emails via their website. It's now XX/XX/XXXX. When I call the other customer service people told me they have no information, they can't contact their own escrow department, I just have to wait, etc. When I ask to speak to a manager I'm put on hold for over 45 minutes only to finally give up. If you look at the customer reviews of this company on the consumer affairs website it's clear this company is ripping people off all over the country through their unethical and illegal accounting practices. Some have lost their homes. It's a complete disgrace. Someone needs to do something about this and hold the people running this company accountable. Individual mortgage holders don't have the resources. XXXX XXXX, XXXX XXXX CA I can be reached at XXXX XXXX. XXXX XXXX
05/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20850	Web	Older American
On XXXX/XXXX/XXXX Ditech increased my escrow payment from {$230.00} a month to {$490.00}. When I called Ditech then I was falsely told that my real estate taxes had doubled but later I checked and found that to be false. Then when I called again I was told that Ditech had under estimated my new taxes therefore they had sent me a check for a surplus in the amount of {$1600.00} back in XXXX of XXXX. Mind you I went ahead and spent these funds on a new water heater for my residence. Therefore Ditech stated because of the false surplus check they had sent that now starting in XXXX XXXX my escrow account was negative, and that I had to make a payment of {$490.00} a month for my escrow account instead of my regular {$230.00}! I pleaded and explained that this was really a terrible hardship for me ( a senior citizen on a fixed budget ) but to no avail. I was threatened with being reported to the credit bureaus for being late or delinquent on my mortgage therefore I was forced not only to pay the additional escrow amount but also XXXX time paying a {$12.00} pay by phone fee since that was the only immediate payment option. I have continued to pay my regular mortgage payments plus the additional {$260.00} ( XXXX ) for my escrow for 8 months now ( XXXX XXXX thru XXXX XXXX ). Finally on XXXX/XXXX/XXXX I sent an email to Ditech once more asking for a review and I was told by their XXXX XXXX, XXXX letter that it would take 30 days to investigate. Today when I called I was told a letter was sent out dated XXXX XXXX, XXXX ( which I have not received as of today ) stating Ditech will not change my escrow amount even though to date I have paid {$2100.00} extra funds in escrow since XXXX XXXX. At this point I feel I am being penalized heavily all due to Ditech 's own accounting errors, and finally why should I be made to continue to pay when I have already paid well over the {$1600.00} erroneous surplus amount sent by Ditech?!
10/26/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 17603	Web	Older American
The mortgage started with XXXX and was changed to GreenTree. My mother has since passed away ( XXXX 2013 ) but they still keep sending the statements in her name, even though they were sent death certificates XXXX. They would not work with my parents who live on social security and the mortgage was very high interest. They made payments every month and barely anything was put toward the principal of the loan. When they were facing difficulties, my mother called to try to get interest rate lowered or some other option and was told NO. My parents were in constant stress trying to make ends meet. Since they would not work with them, they had to file bankruptcy. Every time, it was declined by GreenTree. This is a modular home, not a regular house. They do not increase in value, they decrease. They want too money for this place. The house is in the XXXX bankruptcy in just my father 's name. He lost my mother 's income when she passed away. He was paying {$300.00} a month to the trustee and now they want {$450.00}! He has less income and they want MORE money. I handle his finances for him because my mother took care of that. This is the XXXX time for this bankruptcy. They are refusing to take what was paid in the past 17 years and want more money. The trustee wants to dismiss the bankruptcy. He tried to get a place for low income but was DECLINED because of this bankruptcy. What is he supposed to do? There is class action against GreenTree and I want him to be part of that. There are over XXXX complaints against them. He has very limited income and I feel this has gone on long enough. He wants to stay there for the remainder of his years. He is XXXX the lot rent also went up this year and is {$570.00} a month. This home is in a modular home park. It is not on its own land to give any value. I feel this has gone on long enough and this place should be considered paid in full. He certainly paid more than it 's worth.
11/15/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 77018	Web
My house was damaged by Hurricane harvey. The insurance company came out and assessed damage and then issued a check to me and my mortgage company Ditech. As my house was being repaired, I sent Ditech XXXX forms, invoices, before pictures of the damage, and pictures of the fixed condition. After doing much battle with Ditech since they are very slow to release funds and not paying me interest on my money they are sitting on ( approximately {$55000.00} ), we are now at a complete standstill. Ditech, still holding on to about {$25000.00} of my insurance proceeds stated that regardless of all the pictures and documents I have sent them showing repair on the house, they need to have an inspector come out to ensure the work is being done. This conversation, initiated by me, was made on XX/XX/XXXX ; I was told that an inspector would call within two days to make the appointment. Nothing. I have called Ditech several times hoping to expedite the process and still, here on XX/XX/XXXX, I have yet to receive a call from an inspector to schedule an inspection of the home. Ditech states that this is their process, that funds can not be released without an inspection, even though the promised time wait of two days, has come and gone. Ditech stated they are behind because of all the hurricanes that have occurred ... but my point is that mine happened all the way back in XXXX of XXXX. I have already paid for all the work done on my house, out of my pocket, however I can not continue to repair the house, because Ditech is not releasing the funds that are sitting in their account, interest-free, that is to be used to repair my house. I have suggested to Ditech that if they don't have the manpower to keep up with their timelines, they need to then either hire more staff or release the funds they are sitting on. They refuse to budge and state that this process if mandated ... I don't know by whom. This has gone on long enough.
09/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95682	Web
Mortgage was transferred to GreenTree servicing XX/XX/XXXX. We have had nothing but problems. 1. Applied for loan modification under XXXX. They told us our mortgage/payments HAD TO BE CURRENT, and eventually only qualified us for a XXXX yr term. 2. Called my employer ( School that I teach at ) and harassed me and disclosed our financial state with the school secretary numerous times. I was called/harassed at home numerous times even though we told them we filed Chapter XXXX. 4. When I called to make payments, was told I had to use Speedpay and there was a {$12.00} fee. 5. Often time, even now, I make my payments online and it takes them 2+ weeks to post them to our account. Often times, we are changed a late fee as a result. 6. MOST IMPORTANT : We have NO CLUE what our balance is and what is going to principal or interest. We do n't get statements- they tell us we will not get statements since we filed Chapter XXXX although we did n't file it on our home/mortgage. 7. WE ARE BEING CHARGED $ XXXX AS BANKRUPTCY FEE FROM GREENTREE. When I call and inquire ( numerous times ) they claim " We will look into and get back to you. '' THEY NEVER HAVE IN 2 YEARS. 8. We had an overage in our impound account- Like {$4000.00}. When we asked to have that refunded to us, we were told numerous times " A check is on it 's way to you. '' We never got a refund. We were then told the overage was added back to our principal ( even though they will not give us a statement/ account summary of our balance so we could verify this. '' 3 months later, they sent us a bill because our impound account was short $ {$.00} 9. We do n't know who our mortgage servicer is now- We have n't received a letter or statement in 3 months. We " heard '' on the news Greentree does n't exist and do n't know who to pay or call. We feel soo robbed, and ripped off. We are still being charged $ XXXX monthly for " bankruptcy fee. '' PLEASE HELP US!!!
05/01/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 33414	Web
I had a loan with XXXX had problems and stop making payments then contact XXXX to work a solution got offer a trial period finish 6 month trial period and no answer from XXXX about loan modification transfer to Green Tree where I was offer a loan modification where my principal increase in over {$140.00} and the interest increase to 6,125 % no answer from Green Tree about what program was used for my Loan Modification. I pay 18 months and after the 18 payment got inform that my taxes for 2 tears where not paid hard to understand since the 2 years in question where not consecutive my payment was increase in the amount of {$1200.00} a month making my payment from {$4200.00} to {$5300.00} ask the bank to review this new numbers and I was advised to continue making new payments till they work something out to return to the original payment which was almost % 50 of my income. nothing happens for few months and suddenly Green Tree said for me to make a payment because they have arrive to a new terms for my Modification That was a LIE they just closed for business and open with a new name but send a letter telling me that nothing change. at this moment I hire an attorney and initiate a loan modification submit paperwork many times and after 10 months My modification got denied BECAUSE the loan was past due more than 6 months After this attorney I have file 3 more modifications with 2 different attorneys and one with the HUD help, my last denied was last week they did not display the new guidelines for the denied just said that the new P & I its higher than old P & I Consistently XXXX green Tree and now Ditech used the same tactic delaying the paper work and denied the modification I see consistently I have Not received a fear treatment and after many attempts to solve the problem they have not respond in a way beneficial for both parties. I have copy of all documents from XXXX to green Tree to Ditech if necesary
02/28/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33177	Web
On XX/XX/XXXX, Green tree servicing offer a loan trial modification. I respectfully accepted the offer and made all trial payments on time. Sometime on XX/XX/XXXX, the servicer provided two sets of loan modification agreement, the contract was executed by me and was sent back to the servicing company as per their specification and/or instructions. I continued to make the monthly payments timely in accordance with the contract signed and the servicer received all monthly payments for the years to come. On XX/XX/XXXX, I received notice that the debt was transfer or sold to XXXX XXXX and that all payments must be made to the new company starting on XX/XX/XXXX. Pursuant to the notice of servicing i made the attempt to make the monthly payments to the new servicing company, however XXXX XXXX decline to accept our payments and stated that we green Tree Servicing never sent them copy of the loan modification agreement and therefore could not honor or process my payments. I contacted Green tree and demanded a copy of the executed agreement. According to Green tree servicing, a loan modification agreement was sent and was never executed. This statement is false, green tree had me executed two separate agreements and requested that i sent the original. Green tree Servicing made the promised to sent a copy of the agreement executed by them and never did. It is obvious that the servicer has engaged in deceptive and unlawful banking practices while in violation of the Department of Treasury HAMP program. Ones a loan modification agreement is executed and the servicer takes your payments for two years is clearly an indication that the account has been resolved. It took us by surprise that after servicer took our payments for two years to suddenly claim we never had an agreement whenthey sold the loan. XXXX XXXX has refuse to accept our payment and have defaulted the account on purpose thus no fault of our own.
02/12/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91730	Web
DITECH IS HOLDING MY MONEY ILLEGALLY ( REG X ) I refinanced and paid off my mortgage with Ditech on XX/XX/XXXX. Ditech has not issued my escrow impound account refund $ 3,700+ and they are now out of compliance with Regulation X. I was issued an escrow account refund but the check was payable to both myself and my ex-husband. I was required by Ditech to send the check back with my divorce decree so that they could re-issue the check in my name only. Ditech received my check and sent me a letter dated XX/XX/XXXX saying that they would make a decision within 30 days. On XX/XX/XXXX at XXXX XXXX. I called Ditech to find out what the status was I was on the phone for an hour and 9 minutes and XXXX said that they would be escalating my concern and that I should have a refund within 7-10 business days. On XX/XX/XXXX I was on the phone for 52 minutes and told by XXXX that my case was accidentally escalated to a person who was no longer with the company. On XX/XX/XXXX I was on the phone for an hour and a7 minutes with XXXX who said that he would make my case a priority. On XX/XX/XXXX I was on the phone for 43 minutes with XXXX. Each time I was given a different answer about their ability to direct deposit and I even gave my bank routing number and account number to two different individuals. One day they don have the ability to direct deposit then next day I was told that they can. I have made multiple phone calls and spent hours on the phone attempting to get this resolved. I keep getting the run around ... ... ... ... ... ... ... And then finally this morning they admitted it! " THE BANKRUPTCY COURTS HAVE THEIR BANK ACCOUNTS FROZEN ''. THEY WERE NOT TRUTH FULL ABOUT THIS ON THE PHONE UNTIL THIS MORNING. The representative told me that they have know this for about a week and a half. Now they tell me that I will get my money as soon as their bank account are unfrozen! They HOPE that is tomorrow XX/XX/XXXX.
04/22/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	GA XXXXX	Web	Older American
My first mortgage and HELOC were originated in XX/XX/XXXX with XXXX ; later bought by XXXX. XXXX sold the first lien to XXXX and the second to Greentree. XXXX modified my XXXX lien soon after the purchase ; however, I can make no progress with Greentree in understanding why I was not offered the opportunity to modify the XXXX under HAMP 2MP. Also, I am unable to get clear answers from Greentree as to whether the HELOC is still a lien on my home or is now a personal debt. XXXX Greentree rep told me it is a XXXX lien to be recovered on sale of my residence, but XXXX told me the HELOC was written off. It has been very difficult to speak with a Greentree rep who has responsibility for my loan. The XXXX rep with whom I spoke was outright rude and very uncooperative. A couple months ago I called the HOPE Hotline to arrange a 3-way conversation with Greentree and HOPE, in an effort to get clear, honest answers about the status of my loan. To almost every question from the HOPE rep, the Greentree rep stated he could not provide answers and directed me to contact a different Greentree representative. This is puzzling as I expect all information about my loan would be available to any Greentree rep once they verified me as the borrower and entitled to the information. Recently I received a letter from Greentree offering a " Tax Time Settlement Opportunity '' settlement offer of {$100000.00} versus the full balance of {$140000.00} ; payment is due XXXX. I am in no position to come up with this payment. Should I have had an opportunity to discuss my financial situation with Greentree to help determine an affordable payoff? I am not convinced that Greentree genuinely wants to work with me. Based on the recent reports of the CFPB investigation and the Greentree settlement, it is clear that my experience with Greentree is not unique. As a result I decided to communicate my experience in dealing with Greentree.
04/29/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 335XX	Web
In XXXX after we received our tax refund, my husband called our mortgage company to see if we could pay off our escrow for the year and and if it would lower our monthly payment. The person he spoke with at the mortgage company told him yes this was an option and gave him the amount to send to escrow and quoted him what our new monthly payment would be after that was paid. We sent in the check for the new monthly payment as well as a separate check for the escrow. I received a letter stating we had n't made our monthly payment and they were holding what we sent in suspense. My husband called to see what was going on and they told him that we actually CAN NOT pay off the escrow and that we would get a refund for the entire amount we sent them minus the amount to make up for the short payment. We went back and forth for over a month with these people never getting our money back and being told we were going to get the refund and then that we were not. Finally my husband talked to a guy that said yes we will get the refund and that they would now take the next monthly payment out of the money we were getting back and send us a recalculated refund. We finally got the refund and then got a letter stating we did not make our payment that was taken out of the refund check. My husband called and was told that they did not take it from the refund and that was the XXXX payment. But we had already made that payment. Now they are saying we will have an over 30 days late on our account. These people give you a different answer every time you call. They need to account for every penny of that money that they were supposed to refund to us. This was their initial mistake to begin with because they told us it was an option. Then they held our money hostage and now are apparently stealing it, too. He tried calling back to see if someone else might help him and as soon as he gave the account number they hung up on him.
06/02/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 48312	Web
XX/XX/XXXX asked for modification and received note from Greentree showing loan interest rate drop to 6 % and new payment to be {$1500.00} effective XX/XX/XXXX. ( XX/XX/XXXX spouse lost job and we were able to pay until XX/XX/XXXX ) XX/XX/XXXX filed a motion to get a loan modification from Greentree and also filed with Michigan Homeowners Assistance. Got help paying 5 years of taxes and was also told the loan modification we received in XXXX was not a true modification. Housing value was not brought down to value in area. XX/XX/XXXX tried again to get a loan modification because feferred amount showing {$45000.00} and we were told we didn't have a XXXX XXXX or XXXX XXXX loan so we did not qualify and investor would not work with us. XX/XX/XXXX sent letter to Ditech asking why we still owed so much on the loan and trying to find proof of the loan modification and they said everything was done over the phone and they could not show proof. XX/XX/XXXX met with realtor to put house up for sale, received a payoff of {$230000.00} but on the mortgage statement and credit report it shows {$170000.00}. Called Ditech several times and just keep getting the run around and transferred to different people. XX/XX/XXXX received a letter from Ditech that our original account was closed and a new account number was given to us. Now we received a new statement and letter stating our payoff is {$270000.00}. The payments were making are going to a deferred account and no one can explain why or where the new amount came from. Ditech filed bankruptcy and this is when our account number changed and also now our credit report is showing a charge off. WHY we still can't find out. According the the Michigan Affordable Housing Ditech ( Greentree ) did not do a true modification but just lowered our interest rate and put everything on the end of the loan. Another reason we are questioning and where is documentation.
03/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07110	Web
My servicer Ditech whom I have made several complaints and they do respond with a person to contact - but when you call this person they NEVER call you back! We faxed over what they asked about being on this do not call list which we never put them on, and when we call we get the same statement saying oh you are on our do not call list. So to save our home we went through NJ hardest hit fund. Ditech was in touch with this program and we closed on XX/XX/XXXX. We were required to bring XXXX to closing and NJ hardest hit paid {$48000.00} to arrearage. We were told by NJ hardest hit fund and the closing company that this would bring us current and our first mortgage payment would be XX/XX/XXXX for XXXX and some odd cents. They told us Ditech would reach out to us with a reinstatement package ( that never happened ) never heard from them and when we called they stated we owed 2 months {$3700.00} saying we owed XX/XX/XXXX and XX/XX/XXXX. We spoke with XXXX NJ NJ Hardest Hit fund and they said this was innacurate. When calling Ditech they give us no info telling us only one person deals with this and all they ever say is they are emailing him. NJ hardest hit fund had to get back involved and they called Ditech and they said they have to research. This is a Federal program and Ditech again is not doing the right thing. when I try to reach XXXX XXXX ext XXXX it is like she doesn't exist. Now we just received our statement for XX/XX/XXXX and it says we owe {$5700.00}. They are not complying with this program and pushing us behind again after a substantial payment was made. This is unacceptable the way they do business. I would like to know how they are going to investigate this, and where did the {$57000.00} get disbursed to. If my closing was XX/XX/XXXX why wouldn't XX/XX/XXXX payment be included, that is the end of the month. NJ hardest hit fund said ditech needs to follow protocol and so far they are not!
09/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 068XX	Web
I have XXXX complaints as a result of a refinance of our mortgage. Refinance was done with the same company servicing the original mortgage. First complaint is regarding a Forced Place Policy for Hazard Insurance put in place even though we never had a lapse in coverage. Second complaint is regarding the length of time it is taking to get a refund of our escrow money. 1st complaint. On XXXX XXXX, XXXX I changed insurance companies. On XXXX XXXX, XXXX I cancelled the original policy. Ditech shows the cancellation notice, which was sent at the same time as the new declaration page for the new policy. In XXXX Ditech ( which was GreenTree at the time ) established a Force-Placed Policy and withdrew XXXX from the escrow account to pay for the policy. An amount that is excessive in nature ( My current annual premium is XXXX ), and should be addressed based on RESPA Section 6 ( l ) ( 3 ) Regulation X. My specific complaint is that they did not refund to us the amount in a timely fashion as identified in RESPA section 6 ( l ), which states payment should be made within 15 days. 2nd Complaint. Once application was approved, processor did not agree with originator that funds from old escrow could be moved to new account ( which in my opinion would have helped the intention of HARP, by reducing debt and/or out of pocket expense for refinancing ). Ditech on several occasions has informed me that it can take up to 60 days from the day a loan is funded to receive a refund from the old, closed escrow account. This seems to differ from the RESPA Refund of Escrow Section 34 ( b ), which states " within 20 days ''. This information was found on CFPB website, at this link XXXXWhich Relates to the Dodd-Frank Wall Street Reform and Consumer Protection Act, which was signed into law, Number 111-203 in XX/XX/XXXX. Insurance issue was found on page XXXX and the Escrow refund on page XXXX. Thank you for your help.
11/25/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92021	Web
Ditech/GreenTree loan # XXXX XXXX XXXX, XXXX XXXX CA XXXXShort Sale was started with Ditech/GreenTree XX/XX/2015. XX/XX/XXXX we received a counter XXXXXX/XX/2015 we called Ditech/GreenTree to get a copy of the BPO. Their phone system hung up on us. Sent and email to the negotiator instead ( see notes ) XX/XX/XXXX we were tol the borrower had to call customer service to get a copy of the valuation in writing. XX/XX/2015 the borrower has called multiple times and left many voicemails. No one at Ditech/GreenTree will call him back. *ECOA ViolationXX/XX/2015 we sent a new offer package to Ditech/GreenTree via fax - the same fax number they have been using for several years, and throughout their change to 'Ditech'XX/XX/2015 Ditech/GreenTree told us to refax the offer package a to different fax number - XXXXXX/XX/2015 we spoke with " XXXX ''. XXXX said they still did n't have the docs we have already faxed twice. When we asked for a correct fax number, he laughed at us and said he did n't care that we had to keep refaxing the docs. He gave us yet another ( third ) fax number for the documents. They have been refaxed - this is the THIRD time they have been faxed to Ditech/GreenTree. We fully expect Ditech/GreenTree ( whatever they are calling themselves this week ) to tell the CFPB that we are lying. We know the CFPB has received LOTS of these same type of complaints. And I bet Ditech/GreenTree says the same exact thing every time. The simple facts are these:1. Ditech/GreenTree refuses to follow ECOA Guidelines regarding giving the borrower a copy of the value done in the decisioning process of their loan. 2. Ditech/GreenTree is OBSTRUCTIVE in the short sale process. 3. Ditech/GreenTree purposely defrauds their clients and their representatives. *When is Ditech/GreenTree going to be shut down and put in jail??? If I were to behave this way I would be FIRED, PROSECUTED, AND SENT TO JAIL!!
01/25/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 30188	Web
In the process of trying to refinance my mortgage in XX/XX/XXXX, I was reviewing the details of my current mortgage with DiTech which is a HAMP. On the 3rd page of my trial period paperwork ( I will attach ) it states that I will receive {$1000.00} each year for 5 years for a total of {$5000.00} that will be applied to my principal balance each year after the anniversary date of the first trial period payment due date ( 1st trial payment was XX/XX/XXXX ). That 5 years would be XX/XX/XXXX-XX/XX/XXXX.This was never applied to my loan. I have contacted DiTech multiple times and have received many different answers from my HAMP originated with XX/XX/XXXX XXXX XXXX so it could be different to they needed a form back that was returned too late. None of which is stated in my paperwork of a form needed or my HAMP changing if the servicer changed. The 1st call into DiTech was on XX/XX/XXXX and the rep was very helpful in answering my questions and he sent an email to the appropriate department he said. A follow up call on XX/XX/XXXX with different answers saying I was no longer eligible for the incentive and was told to email them to request an exception. I emailed them the same request on XX/XX/XXXX and received an automatic reply. I called DiTech on XX/XX/XXXX and was told customer service had an extremely high call volume and I got to talk to someone but it ws someone who was helping out customer service and could not really answer my question. She did not see the email in my file that I had sent on the XXXX even though I had received a reply that DiTech had received it. She requested that I print my email out and fax it to them. I called back again on XX/XX/XXXX and talked to another rep who thought they saw a {$1000.00} payment but then transferred me to another rep who seemed very helpful and filed a request to research my incentive and lack of payment for it, but have still not received resolution.
02/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91384	Web
On XX/XX/XXXX Ditech Financial LLC opened a escrow account for our mortgage without our authorization and paid our Homeowners Insurance without our authorization. XXXX XXXX, our Homeowners Insurance, sent Ditech a proof of insurance form and Ditech paid for it without our authorization. Since XX/XX/XXXX I 've been on the phone for hours with Ditech to get this resolved, to be sure XXXX received our payment from Ditech on time before we got additional charges from XXXX for late payments, we had to pay Ditech back for the homeowners insurance payment to close the unauthorized escrow account, and I sent Ditech a letter to close the escrow account. Later, I started to get charged {$81.00} to my mortgage bill for this escrow account, which I previously closed, both for my XX/XX/XXXX and XX/XX/XXXX mortgage bills. I 'm currently working to get this charge removed again for my XXXX mortgage bill payment. I was advised by the representative that there is no guarantee this wo n't happen again XX/XX/XXXX when my homeowners insurance is due again. I was advised that if Ditech receives a bill or a delinquent statement from XXXX, or any company, in the future they will reopen an escrow account without my authorization and make this payment before I even have a chance to pay it directly to XXXX or any company. I was previously advised by XXXX XX/XX/XXXX that my agent NEVER sent Ditech a bill or a delinquent statement. Farmers simply sent a proof of insurance form to prove we have homeowners insurance, which is legally required. Ditech has refused to look at the actual documents XXXX sent them to prove what XXXX actually sent them, while XXXX has checked their system and sees that they simply sent a proof of insurance. The Ditech representatives simply look at the title Ditech representatives post on their own computer system but they refused to open the actual document to read the actual forms sent to them.
06/28/2018	Yes	Mortgage VA mortgage	Trouble during payment process	UT 843XX	Web	Servicemember
XX/XX/XXXX we received a letter from Ditech financial stating we were behind on our escrow. I contacted the company to find out what was going on, as my husband is a XXXX, we do not pay property taxes. I was assured that everything would be fine and the tax department would look through the paperwork again and fix the problem. By XXXX we were receiving nasty letters stating that we were behind on a payment- we have NEVER missed a payment, we pay a little extra on our payments. We have spent HOURS almost weekly since XXXX trying to find out what is going on with our account. XX/XX/XXXX we were sent a check for the extra payment in the escrow. We called multiple times to find out if the check was correct. Everyone we spoke to said the information was correct and the check was overages in the escrow. The amount of the check was approximately {$1800.00}. Ditech finally got read the correct paperwork showing that we didn't pay property taxes, however, since that time we have been receiving letters stating that we are behind a payment. As I stated earlier, we have never missed a payment, or been late on a payment. Every time we call we get the run around, and no one seems to know why there is a payment missing or where it is. We end up having to go through the ENTIRE 6 months of calls with the person we speak to, there have been no notes kept on the account. We are now getting letters threatening to enter pre-foreclosure. Our loan is a VA loan, which threatens the ability to get another VA loan in the future. I have spoken to others with Ditech and they have had the same experiences we are having. I have sent letters and made phone calls, with no response from Ditech. This has dropped my husbands credit score by more than 100 points, we can't even trade in our vehicles due the problems they are causing. At this point I don't know what to do, especially if we can't get help resolving the matter.
04/21/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 95116	Web
I have a HAMP loan w/Ditech that was sold to them by XXXX. I recently discovered they broke the contract by adjusting my mortgage up 5 months before time. According to the HAMP contact my payments and rates are set. Well, Ditect are sending me mail and calling me stating I am behind onmy mortgage, but I am not. They stated the rate increased was effective XX/XX/XXXX, but if they would have looked at the contract the payment effective day for the increase is XXXX/XXXX/2016. My payments accordint to the contract is {$1600.00}, and my property tax is about {$520.00} a month which is routhly arount {$2200.00}, which is what I sent them ; however when they got me confused I requested help for hardship because they said my payments would be closer to {$22000.00}. Well, I am on Social Security XXXX and get a small retirement check, so I asked for assistance, but when I saw the preditor loan offer I changed my mind. They offered me a deal to save {$70.00} a month, but I would pay an addition {$40000.00} over the life of the loan. Next they said they would file a loss ligation claim, but sent me a bunch of forms to complete that has nothing to do with loss ligation. I would also like to point out before I forget that they sent me an addition bill for my property overage close to {$900.00}, and I paid it so it would not affect my payments. These people are harrassing me. I have not missed or been late on a payment. XXXX sold my loan to this horror place because I asked for help ; however, I did not miss a payment with them and was not late on my first or 2nd at the time. Please help me, the DOJ and XXXX really need to check out this company, something is n't right. My loan number on this loan is # XXXX ; however, they state leave off the # XXXX. When you see the statement all the number 's I typed are on their. ( I have additional documents I can fax to you if you need them to verifty my allegiations )
08/11/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32703	Web	Older American
We were offered XX/XX/2016 a recast offer from ditech with instructions to sign form if interested and pay the reduced payment of XXXX for XX/XX/XXXX ... XX/XX/XXXX and XX/XX/2016..after researching if to our benefit we signed and sent in payment was instructed. By XX/XX/XXXX we received phone calls looking for our payment..we explained and after searching were told the funds were in a different account waiting approval of recast..This went on each month including literally dozens of phone calls sometimes two and three daily and numerous correspondence. in the mail..Letters telling us we could no longer afford our home and steps we could take to avoid foreclosure ... Each representative we spoke some for hours trying to straighten out the confusion told us a different story and that the problem would be rectified ..only to have a repeat performance within days. We are XXXX and XXXX years old respectively and neither of us in the best of health..We rely solely on our SS payments which we receive the fourth Wednesday of each Month. our Bills are payed immediately upon receipt of funds in our bank account..our mortgage payments are always made ahead of time yet since the recast debacle they keep telling us our payments are late and charging {$26.00} late fees each month ... which naturally facilitates more phone calls..one which occurred minutes before sitting down to write this missive. The rep. proceeded to tell me there were no late fees ..but my payment was XXXX dollars short but could n't tell me what the shortage was for..yet the new statement received days ago clearly shows late fees listed. At this point our nerves are completely shot and we are at our wits end. We inherited Ditech this past year from our former mortgage holder of a year that was greentree.finace another inherited mortgage company..Please any help you can offer would be greatly appreciated.. sincerely, XXXX XXXX XXXX
09/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA XXXXX	Web
According to the XXXX, A servicer must automatically terminate PMI for residential mortgage transactions on the earliest date that both the principal balance of the mortgage is first scheduled to reach XXXX percent of the originalvalue of the secured property ( based solely on the initial amortization schedule, in the case of a fixed-rate loan, or on the amortization schedules, in the case of an adjustable-rate loan, regardless of the outstanding balance ) and if the borrower is current on mortgage payments. My loan has met these requirements. On XXXX/XXXX/XXXX, I sent a fax to the Escrow Dept. of Ditech XXXX formerly Greentree XXXX stating that I was aware that my PMI was due to automatically terminate on XXXX/XXXX/XXXX and I included a copy of my appraisal and the amortization scheduled provided to me by Greentree. On XXXX/XXXX/XXXX, I received a denial letter from Ditech listing reasons for the denial that 1. ) Do no apply to my loan and 2. ) Based on a original value amount that was not provided and that would not be valid according to my records. On XXXX/XXXX/XXXX I sent another fax asking Ditech to provide me with the original loan value that they are using and how they came up with this value. Instead of properly responding to my request, The escrow dept. sen a copy of the same denial letter that they orginally sent, with no explaination of what number they are using the for the orginal value or where that number came from. I 'm being forced to pay PMI each month when I legally do not owe it as to avoid a late fee. I was told that Ditech would refund the money XXXX XXXX if they found I overpaid. Why should Ditech get to keep and make interest off my money for 6 months or more for violating the law? The answer is that they should not and if they are attempting to take advantage of a well informed consumer, just think what they are doing to consumers that do not know their legal rights.
06/16/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80920	Web
Our mortgage was transferred from GreenTree to DiTech Financial i n XX/XX/XXXX and was paid in full on XX/XX/XXXX . As per DiTech Financials payo ff letter, our principal balance was {$13000.00} ; our escrow balance was {$1200.00} ; interest was {$34.00} good throug h XX/XX/XXXX . Inter est per day was quoted as {$2.00}. DiTech received a check on XX/XX/XXXX for {$13000.00}. DiTechs principal a nd escrow balances matched my recordkeeping. Ditech mailed an escrow check for {$1200.00}. Their check to us was {$58.00} short! I called the company o n XX/XX/XXXX to inq uire as to why our check was shorted {$58.00}. I was told it was because our payoff check was short and they took {$58.00} from our escrow to close the account. Knowing this was not correct, I asked for an explanation. The customer service agent agreed that the payoff was not short and stated she was sending our account to loan servicing for a review. I was told the same story on my subsequent phone calls on XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX . O n XX/XX/XXXX , I mailed a certified letter to Ditech asking for an explanation. Finally, I received a letter from DiTech dated XX/XX/XXXX stating their records indicate the payoff was NOT SHORT and this account was paid in full and closed on XX/XX/XXXX . The letter didnt say anything why o ur escrow check was shorted and didnt include a check for {$58.00}. The letter did state if I had any further questions or concerns, to please contact ( XXXX ) XXXX . As such, I made more calls on XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX . Again, I was told the same story, our account would be sent to loan servicing and I would receive a call back. It has now been 10 months and DiTech has failed to respond, has lied, and uses diversionary tactics. I am DEMANDING DiTech immediate ly send a check for the {$58.00} they owe us from our escrow account!
06/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 360XX	Web	Servicemember
My wife and I sold our home in XXXX and closed onXX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that Ditech reported us 60 days past due for the months of XXXX and XX/XX/XXXX. How could this be we paid off our mortgage in XX/XX/XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested Ditech to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at Ditech with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! Ditech has yet to return any of our calls. Unprofessional to say the least!!!
12/08/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 78664	Web
Ditech Financial LLC, the merger with Greentree Servicing, is harassing me by falsifying that it does not have my XX/XX/XXXX borrower 's assistance application. First for over 30 days Ditech caused my unnecessary stress and expense by refusing to acknowledge receipt of my borrower 's assistance form despite my repeated certified letters asking them to acknowledge receipt until Making Home Affordable called. Then Ditech harassed me by trying to make me submit a new borrower 's assistance application removing child support because it helps me. So, Ditech is falsely claiming that I have not submitted an application because it does not want to process my borrower 's assistance application for HAMP that it received on XX/XX/2016. Then Ditech harassed me by claiming that line XXXX of my IRS XXXX was blank when it was n't. Ditech provided a different address and asked for a new IRS XXXX just like it was trying to make me submit a new borrower 's assistance form. Then Ditech harassed me by creating several different addresses for loss mitigation to try and create plausible deniability that it had not received my XX/XX/2016 borrower 's assistance form proven by the tracking information. Ditech harassed me by falsifying it needed 30 days recent pay stubs that did not exist to keep from processing my borrower 's assistance application for HAMP. Then Ditech harassed me by misrepresenting its XX/XX/2016 denial for HAMP due to my housing to income ratio being XXXX % instead of XXXX % because Ditech would not remove child support as if it is denying my current XX/XX/2016. Then Ditech harassed me by theatening that if I do not accept their alleged missed payments they claim happened over two years ago that I will not be in imminent default while they are misrepresenting my current housing to income ratio. Ditech harassed me by not providing me a dedicated representative for loss mitigation.
03/02/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78504	Web
I was faithfully paying my mortgage payment from the time, Ditech Financial took over and transfer our notes from XXXX. No missed payment nor late payments as a proof, I can send all evidences of all my mortgage payments in the future. We kept on sending our mortgage checks to Ditect before the XXXX of every month as stipulated from our Deed of Trust, unbeknownst after researching from our bank account 's that our last mortgage check was only cashed since XXXX? We continued to send mortgage payments from XXXX and XXXX and Ditech never cash out anymore those mortgage payment checks we sent to them? I am a XXXX and my work schedules were so hectic besides taking care with my little children. Therefore, I communicated with them through mail immediately. I was asking why Ditech does n't want to cash our XXXX and XXXX mortgage payments checks and they want my homestead to proceed on for foreclosing in which me and my husband will not allowed for any reason. Therefore, we requested Ditech to process our Loan for the Federal Home Affordable Modification Program that is still available until XXXX and until now Ditech is not yet responding from our request until this moment. XXXX had done their abusive collection tactics by their agents in posting notes of threats in front of doors of our home. I am requesting for your good office to investigate the unlawful conduct of on their repeatedly harassing and abusive collections on our property that our members of our family were threatened while we were out of work. They always come inappropriate hours. They always come even after I have communicated Ditech by mail. They repeatedly doing their illegal debt collection practices. I appreciate so much for your cause of helping us under your provision on protecting homeowners as well consumers from Mortgage Companies based on your discretion under Consumer Financial Protection Bureau on Debt Collection Act.
04/28/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	WI 531XX	Web	Servicemember
In XXXX 2016, my mortgage company ( ditech ) completed a new escrow analysis and erroneously entered a duplicate property tax amount of $ XXXX- which in turn caused my escrow estimated payment to nearly double. On XXXX/XXXX/2016, I contacted ditech via phone and brought the error to their attention. The representative confirmed the error and assured me that it would be corrected. From XX/XX/XXXX-XX/XX/XXXX, I continued paying my normal mortgage payment amount. No further correspondence was received until XXXX/XXXX/2016, when I was contacted via phone by a ditech rep. and advised that I was now " delinquent '' on my mortgage payment since the ( inflated ) mortgage payment was not being paid. I was also informed that I was now accumulating " late payment fees ''. I advised the rep. of the incorrect escrow analysis and my prior contact on XX/XX/2016 to which I received a " sorry, there 's nothing we can do '' response. After a lengthy discussion, I was eventually transferred to a customer service representative, who subsequently contacted my local property tax office and confirmed the proper tax amount. Even after she acknowledged that ditech had not only mistakenly duplicated the tax amount, but had also failed to correct it on XXXX/XXXX/2016, and also failed to notify me of the failure to correct it -- I was still told by this customer service representative that I was " responsible for paying the incorrect amount due anyway '' and that " when ( they ) eventually sorted it all out, the difference would be applied to my principal ''. I have since received several additional phone calls, attempting to collect these erroneous escrow and late fees ; threatening that if I do n't pay, my credit could be impacted, etc.. Since purchasing my home, I have always paid my proper mortgage amount, on time. I do n't understand how I can be held responsible for ditech 's ( admitted ) mistake. Please help.
10/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85207	Web
To : Consumer Response Center, Room XXXX, Federal Trade Commission,XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXXTo Whom it may concern ; I am writing to seek your help with a Mortgage Creditor ( Greentree/Ditec ) that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a CHXXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. They state the account is Closed, " 0 '' balance and bad payment history. Not the case as we have a balance, and have an impeccable payment history over the last 6 1/2 years. Over the last 1 1/2 years, we have sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus. On phone calls, they simply state that they " can not '' report our account to the bureaus until the Attorneys approve it. We are unable to speak with the Attorneys. This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We wish to purchase another home, but lack of published credit prevents it. We ask that you assist us with this matter and demand that they immediately report our credit file to the credit bureaus. Below is the Company/Account information. Greentree / DitecBK Dept. XXXX x XXXXAccount / Loan # Loan # XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX AZ XXXXThank you sincerely, XXXX XXXX XXXX XXXX
05/31/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30032	Web
On XXXX XXXX, 2016, I sent in a monthly mortgage payment of XXXX. XXXX. I also sent a letter stating why I was sending additional funds over my normal monthly payment amount of {$600.00}. I stated in my letter that I was sending in a payment of {$620.00} and {$600.00} should be taken out for the month of XXXX 2016 payment leaving {$15.00}. However, addition payments will be sent for the months of XXXX and XXXX in the amount of {$1200.00}. Combining my {$15.00} previous payment with this latter payment will total {$1200.00} and this amount is to be applied for following two months of XXXX and XXXX. Therefore, I will not need to send another payment in until XXXX 2016. On XXXX XXXX, 2016, I sent in the funds of {$1200.00} with another letter reiterating my previous instructions : My name is XXXX XXXX and I sent in a payment of {$620.00} for XXXX 's mortgage payment. {$600.00} should be taken out for the month of XXXX 2016 payment leaving {$14.00}. However, this is a check for the next XXXX mortgage payments of XXXX and XXXX in the amount of {$1200.00}. Combining my {$15.00} previous payment with this latter payment will total {$1200.00} and this amount is to be applied for following two months of XXXX and XXXX. Therefore, I will not need to send another payment in until XXXX 2016. If there are any questions I can be contacted at XXXX. My XXXX mortgage payment was paid out the {$1200.00} check I sent in, but I am having a very difficult time getting the XXXX payment applied to my mortgage monthly payment. When I initially spoke to customer service at the beginning of XXXX, I was told it would take XXXX to 7 business days to get the funds reallocated to my XXXX payment. Now XXXX XXXX, the funds have not been applied to my XXXX 2016 payment and it has been over 30 days since I requested it. I need this situation resolves immediately because my XXXX mortgage payment will be due in XXXX days.
02/09/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 32819	Web
House modification info. I am not sure you can help us but thought I would ask. We recently attempted a modification from ( 2nd time due to medical reasons, we had been approved for first mod., but had a medical emergency happen & hence a 2nd try for another modification ) of our Fannie Mae mortgage thru Ditech . We had got behind in payments due to medical bills that came up due to a medical emergency with my husband. In XX/XX/XXXX we met their representatives for a mediation & agreed to us doing an application for a modification. Then mid XX/XX/XXXX we began a modification that was drug out for almost 5 months. All along the way, the Ditech representative reassured me that everything looked good & that we would be just fine. It was never easy to get through to this representative & we always had to leave a message. We were continually asked for documents several times, as they would claim they never got what I sent. This one representative also told me that she alone had over 1000 modification applications that she herself was processing. At the end of the XX/XX/XXXX month, the representatives phone extension became non existent & I could not even call into the company as my calls were rejected automatically by the phone co. I used a friends phone & called & asked for the lady whom I had been working with for those 5 months & she no longer existed. All along this 5 months & before that, Ditech was adding all kinds of large fees to our account. Our mortgage balance went from $ XXXX to $ XXXX., My husband is XXXX & receives a pension & social security. This is a classic case of American Greed in our opinion, we are the little guy being squashed by corporate America. Have you heard other stories like ours? Anything your company could help us with? I know this is a long shot but saw an ad by your company. Your reply would be greatly appreciated. Thank You!! Sent from my XXXX
03/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75052	Web
This is my third complaint against Ditech Financial LLC regarding Account No. XXXX. On or about XXXX XXXX, XXXX Ditech, for the first time since XXXX XXXX, acknowledgement their own Reaffirmation Agreement, the change in contract terms, including payment and interest rate. However, the letter ( attached ) indicated a past due balance of {$2500.00}, agreeing to discontinue collections, and place the past due amount at the end of the note. We have since sent another letter to all credit bureaus and Ditech providing evidence of payments in excess of those amounts due for years XXXX through XXXX. On XXXX XXXX XXXX, I spoke with XXXX XXXX, Director of Customer Service, who promised to get to the bottom of our problem On XXXX XXXX, XXXX a Ditech representative contacted us and said the account was corrected, no longer past due, and the credit bureaus had been corrected as of XXXX XXXX, XXXX. On XXXX XXXX, XXXX, XXXX, XXXX, XXXX we received collection calls from Ditech for amounts past due. On XXXX XXXX, XXXX we received a certified letter stating we were in default, and had 20 days to pay in excess of {$2500.00} or be in default of our note. Clearly, Ditech has no accounting department, or very inept personnel who can not maintain accurate records. I have personally maintained a spreadsheet of every payment since the date of Reaffirmation in XXXX, XXXX, which is attached. Unless the CFPB can assist with this ridiculous creditor who can not obviously maintain accurate records, I am not faced with pursuing legal alternatives since we are obviously out of options. We appreciate any assistance you can provide since we are obviously on daily collection calls again even though we have multiple letters to GreenTree / Ditech to cease and desist all calls to our cell phones and employment. The attached spreadsheet identifies the collection efforts in the last few weeks. Thanks you, XXXX XXXX
09/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	60419	Web
DITECH FINANCIAL LLC purchased the account referenced from XXXX or from another third party junk debt buyer according to Chief Justice XXXX of the US Supreme Court, DITECH FINANCIAL LLC is in direct violation of the COURT of COMMON PLEAS OF XXXX PENNSYLVANIA, COURT OF APPEALS FOR THE XXXX, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondent 's property, DITECH FINANCIAL LLC in violation of contacting me on the above-mentioned alleged account at my home, upon receipt of this letter dated XXXX/XXXX/2016 this places DITECH FINANCIAL LLC DEBT COLLECTOR 'S in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment, failure to validate the debt The [ FDCPA ] gave DITECH FINANCIAL LLC thirty ( 30 ) days to validate the alleged debt. 30 days have passed, present letter dated XXXX/XXXX/2016, failure to respond to TO [ XXXX ], FAILURE TO RESPOND WITHIN THIRTY ( 30 ) DAYS TO EACH NUMBERED ITEM BELOW IS ESTOPPEL. SANCTIONS MAY BE IMPOSED FOR REFUSAL TO ANSWER QUESTIONS OF DISCOVERY [ XXXX questions of discovery unanswered ]. Any proceedings on the Above Case, including the re-sale of the alleged debt information for the purpose of collection by any other debt collector/company, that are taken without first timely responding to this letter by the party ( s ) will be deemed prima facie evidence of fraud by mail and racketeering against the party ( s ). DITECH FINANCIAL LLC ( " Ditech '' ). ; XXXX, ORIGINAL CREDITOR : XXXX, its agents, assigns, principals, and counsel. Silence is acquiescence ; acquiescence is estoppels. Disputing your extortion and fraudulent claim of " debt '', XXXX XXXX, 2016 Certified Mail # XXXX DITECH FINANCIAL LLC ATTENTION : XXXX, AZ XXXX
08/28/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60586	Web
I have applied for a modification numerous times with Greentree due to hardship. For years, they have lost my paperwork requiring me to repeatedly submit the paperwork again. My house went into foreclosure as a result. I kept applying for a modification. Again, they claimed the packet was stale though it was submitted on time in mediation. They told me I was denied for XXXX, but never provided a reason or any written denial. I should have qualified according to the rules. They later offered a streamline mod, but mailed it to a wrong address. Because of this, the deadline had past. I consulted with an attorney who advised me to request a new letter with the corrected information otherwise it was not a valid offer. I explained this to Greentree and they refused to reissue a new offer with the corrected address and dates on it. Instead, he ( supervisor XXXX ) demanded payment and stated " the offer is valid today, but could be off the table tomorrow '' though I informed him the other rep. ( XXXX ) stated it was valid until the end of the month. My address had never changed to begin with. XXXX they sent info to a wrong address. Greentree lawyers were informed this via emails and in mediation the first time they did this. They refused to reissue a new, corrected letter then too though the offer date had expired. 7 months later, it happened again. They ca n't send me any important paperwork, instead sending it to a wrong address, yet can continually leave notices on my door to contact them. They have been nothing but rude and harassing. They contradict themselves and give you the run around any time you ask for help or try to get answers. They have been a nightmare to deal with. They should be shut down and put out of business. They are not abiding by federal guidelines by trying to help people stay in their homes. If we lose ours, it will be because of them and the games they play.
08/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48906	Web
In XXXX, my husband filed for bankruptcy on some unsecured debt that was in his name only. We did not include our mortgage, and I was not a party to this bankruptcy filing. However, for the last 6 years, our mortgage company has flagged our account as " potential bankruptcy '', and refuses to report the status of our GOOD credit to the major credit bureaus. I have made repeated requests by both telephone and email, and have either received no response at all or been told that I have to a ) send a letter ( which I did via their online email portal - received no response twice ) and now b ) submit a copy of bankruptcy discharge via online portal which does not allow me to include any attachments to an email/online request. Previously, I had also contacted them to see if they would lower our interest rate - again using their online customer service portal. I had to send three separate messages over a period of 4 months. Each time I received a response saying they were reviewing my request by email, and even received a response by postal mail, but never got anything concrete until I finally indicated I was going to complain to state and federal authorities about their lack of responsiveness. Then I was told that I needed to contact a loan agent about refinancing. I do not wish to refinance my mortgage, I want to reduce my interest rate under HARP/HAMP. However, they will not even discuss this with me. At this point, all I want to do is get them reporting on my GOOD credit with them so that I can switch to another mortgage company. When I 've called on the phone I get no where with them, and have been denied the opportunity to speak with a supervisor or manager to voice my complaints. I think that they are deliberately trying to keep us at a higher interest rate ( 5.875 % ) than the current market, and by not reporting our GOOD credit making it impossible for us to go elsewhere.
02/26/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	OH 43206	Web
In XX/XX/XXXX we applied for a line of credit with XXXX XXXX XXXX. The Line of credit was for {$40000.00}. In XX/XX/XXXX, my wife was diagnosed with XXXX and level XXXX XXXX XXXX. The line of credit we had only spent {$13000.00} of the total amount. And fell behind on payments and was in the process of negotiating with XXXX to settle for {$5000.00} to pay off this line of credit. The line of credit went into default and was written off. ( The loan was then sold to XXXX XXXX Prior to Default, which merged with XXXX XXXX XXXXXXXX XXXX. Ditech has written of the debt but not claims we owe then {$45000.00} with no explanation. I have mentioned to them the amount we spent and requested payment history. I have requested payment history of the line of credit and noticed something on the payment history that said amount XXXX balance XXXX with a description of former RL. which I questioned and asked for proof which we have never received. I am attaching the payment history and a letter I sent Ditech in XX/XX/XXXX. I have circled the item in question and have not ever been told or given proof of the phantom item. My wife is very ill at this time and I am trying to get this matter settled. I have offered to pay the XXXX to settle the debt. even in XX/XX/XXXX of this year, I have offered to settle the debt for XXXX just to get this matter behind us. And have heard nothing from Ditech. the so called supervisor of our case her first name is XXXX. and would never provide her last name or I do not remember it. We desperately need help to get this matter settled and removed from our credit report. I am at my wits end on this matter and Ditech will not settle this matter nor help to reach an agreement. I have asked for proof of the monies spent and they can not provide anything, to verify the money we spend or the balance of what was left on the line of credit before it went into default.
10/04/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48009	Web
I asked ditech to waive a late fee applied to my account in XXXX via a QWR because I never received the notice of a rate increase and their site was down on XX/XX/XXXX ( a Sunday ) when I tried to log in to confirm my payment amount. I sent in my regular payment that did not reflect the increase and it remained unapplied, my account considered late. I received a notice of default and threats to foreclose. I send in the difference with my next payment and filed a QWR requesting they waive the late fee because I did not receive the notice and their site was down onXX/XX/XXXX. Ditech agreed to waive the late fee in their response to my QWR. Each month I log onto ditech.com to confirm my payment amount and today found a transaction dated XX/XX/XXXX titled 'reallocation ' that backed out months of payments and the XXXX late fee. It appears these payments were not reapplied to my account because my principle balance increased from {$120000.00} posted onXX/XX/XXXX to {$120000.00} ( an increase of {$1200.00} ) reallocated onXX/XX/XXXXand I was assessed another late fee. XXXX I called customer service for an explanation and to correct the reallocation. XXXX waived the additional late fee added to my account and confirmed the increased principle payment shown online matches their systems. She could not explain why backing out a {$33.00} late fee would increase my principle balance by {$1200.00}. Nor could she correct the problem. Given Ditech ( formerly greentree ) reputation, I am of concerned of being accused of defaulting even though my mortgage is current and losing my home because of an administrative error on their part. Given the customer service reps insistence that an principle balance increase of {$1200.00} is correct in waiving a {$33.00} late fee, I dont expect Ditech to behave within the law. I appreciate your assistance in correcting Ditech 's administrive error.
05/08/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CT 06851	Web
In XX/XX/XXXX t he last payment of the Ditech lo an ( they had purchased from XXXX ) was due. I had monthly automatic withdrawals established for my lo ad. Four days prior, realizing I had not gotten anything concerning the payoff of the load, I called Ditech asking for the payoff and asking them to no longer take payments from my account since the loan will be paid off. They told me it was too late to cancel the payment for the final amount and they would refund me the difference after the payment. Based upon this, I did n't make the payment. When I noticed they had not taken the payment I notified them and they had tacked on fees etc. They credited the fees to me and gave me the address to send the final payment. I told them i did not expect this to hit my credit report and they assured me it would n't. In XX/XX/XXXX , I checked the credit report and there it was. They continued to say that they had not reported it. I supplied them all the requested information and they replied by email saying it had been taken care of ( I have copies of the documentation and email ). I checked my credit repo rt in XX/XX/XXXX and it is STILL there. When I call them they still say they did n't report it. The supervisor I spoke with reviewed the notes and though their email said they took care of it, she said the request was denied all 3 times I called in. When I said I had the email stating it had been taken care of she said it was taken care of ... it was denied. She was supposed to contact " them '' again to understand why and call me back the next day. She of course did not. I 'm seeking help to get this error off my credit report. I was unfairly penalized for their error. They admitted it was their error by crediting the fees but they lied repeatedly about reporting to the credit bureau and then refusing to correct the situation. Thank you. XXXX XXXX ( XXXX )
01/07/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 653XX	Web
I have reciepts for all payments made for the following year XX/XX/XXXX to XX/XX/XXXX and the ditech paperwork doesn't correspond to my money orders. they cashed money orders that were not intended for them and caused my insurance to laps so i had to get my own. thats around the same time when they filed for bankruptcy now all of a sudden they say i owe them more money than i was supposed to pay. my account is a set account to never change. now i get a statement saying my payments have changed. i have my own accurate records and am paying my payments continuosly. i have never missed any payments since i purchased the home in XX/XX/XXXX. when ditech filed bankrupcy in XX/XX/XXXX. i have been trying to resolve this problem for the entire year. but, They refuse to work with me or even refund all of the insurance payments that i payed. i have proof of all my payments. please help me to resolve this issue. their records do not match reciepts that i have sent and even the billing statements that they have sent me dont match. they even went as far as cashing money orders that did not belong to them they were intended for the insurance part of the loan. i have all money orders and paperwork to prove that i that i am in the right and can provide proof. the money orders were cashed but not applied to my account or the insurance payments there are a total of seven money orders that are missing in action and not accounted for all money orders were XXXX and under were intended for the insurance payment to XXXX XXXX XXXX XXXX XXXX they never received the money orders. i dont understand how they messed up my account. and how i am at fault and i feel that they have made a very big mistake. i also feel they are trying to scam me thinking that i dont have the proof proof.. i have everything needed to prove that i am in the right. i would like to know what i can do to correct this problem.
08/07/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 32305	Web	Older American
I being paying Ditech for months, trying to get on track, they sent my loan number to another company, without being notified, I told them I have a loss of incomes, which it seems to matter to them, I apply for a loan deferment, was turn down, they don't try to work with you, being having problems with them, told me already had four deferment and denied the fifth deferment, they don't seem to care about their customer, it all about money, I being paying XXXX most time it being XXXX if home insurance need to be added, but they took over the XXXX for insurance Pay by them, I have a loss of income, since XX/XX/XXXX, my home is damages, which I file a claim in XXXX, they refuse to fix the home, the adjuster say how he knows if it water damages, mode on the wall kitchen wall wall damages, fridederator was leaking in the line, no help from them, kitchen floor coming up dues to water problems in my home around XXXX, then around XX/XX/XXXX, tree fell on my home, the the insurance people told me, I have to remove tree off my house, before I they can come out to take picture, which claim did go through, with Ditech and my names on it, I sent them the check where both parties need to sign, as of XX/XX/XXXX my home is still damages, no return check, only thing u get was that's my loan went into default, now I'm. Paying XXXX, extra dollar to catch up, then charge XXXX for processing fee, all they ask when you have the rest of the money, but my home is broke down, when it gets fix, bi do not know, they put the insurance claim check in the escrow account, I don't have an escrow account, it just sitting there, why my my home getting worst, especially when it rain, because they not letting me know anything. My loan account number is XXXX, also ask what happened to all extra money, I pay, they claim it went on interest, my old loan was XXXX before transfer to new loan, starting over again
12/26/2019	Yes	Mortgage VA mortgage	Trouble during payment process	AL 360XX	Web	Servicemember
My home was sold and I received an email on XX/XX/2019 from Ditech stating that there was a surplus of funds in my escrow account and a check would be mailed to my billing address. I checked my online account and it showed Date:XXXX Description : Escr Surplus Ref Check # XXXX Escrow amount : ( {$2800.00} ). I called Ditech on XX/XX/2019 @ XXXX to verify information. I was advised the check was mailed to the property that had been sold. I have had previous issues with Ditech regarding addresses as I have not lived at the property for a few years, and reside in 2 states away currently. The representative advised that they could not cancel the check and reissue until 30 days had passed, and advised I have a family member pick it up from the house for me ; which none of my family live near the house even if I was willing to ask it of them. I updated my address with the representative at that time to ensure they had my current one on file. I called back on XX/XX/2019 @ XXXX and was asked to call back on XX/XX/2019. Called back on XX/XX/2019 XXXX, and original check was cancelled and new check was to be reissued. Called on XX/XX/2019 @ XXXX to verify check was reissued and mailed, when to expect the check, and was advised 5-7 business days. Called back XX/XX/2019 @ XXXX and was told I should receive check no later than XX/XX/2019. Called back on XX/XX/2019 because I had not yet received the check and was asked to give it a few more days. Tried again on XX/XX/2019 @ XXXX and was told Was told issue is being escalated to a supervisor and I should receive a call by Friday ( XX/XX/2019 ) Did not receive a call from a supervisor and called back on XX/XX/2019 @ XXXX XXXX. Was told check would be cancelled and reissued again. I inquired about alternatives such as direct deposit, or if it could be expedited or include tracking and was told none of those options were available.
09/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MS 39402	Web
We had our XXXX mortgage with XXXX for quite a while and while with them, we had our payment set up to be auto drafted out of our account on the XXXX of every month. The payment, I was told, was not considered late until the XXXX so we set it up on the XXXX. It was taken out this way for years. The mortgage was sold to Green Tree Servicing ( now XXXX ) back in XXXX of this year. I called them and asked if I could set the mortgage payment set up to be auto drafted on the XXXX as we had done with XXXX. They said that would be fine. I asked if the payment would be late, and they assured me that it would not be if it was paid by the XXXX. Almost every month since XXXX XXXX XXXX has had this account, someone from their organization calls me wanting to know when we will be making our mortgage payment. I have had to call almost every month to explain that we have our payment set up as an auto draft and why are they calling? They usually say they are sorry and that they will not be calling in the future. Starting yesterday I started getting calls once again from XXXX and quite frankly I am at the end of my rope. We have NEVER BEEN LATE WITH THESE PEOPLE yet they do not seem to get the message that we have this payment set up to be auto drafted out of our account, which it has been every month on the XXXX, and that I do not want to be called about a payment that is automatic. I have been told by people at Green Tree Servicing that they should not be calling me and that the calls would stop. Yet, they never do. I do not know what else to do about this and I am so frustrated that I can feel my XXXX XXXX going up whenever I see their number on our caller ID. When I do talk to them and ask them why they are calling when we have our payment set up to be taken out automatically, they usually say, " Excuse the call. '' But I do not want to do this every month of my life going forward.
09/05/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	WA XXXXX	Web
My spouse and I have had to have you intervene on several occasions concerning our home mortgage in the hands of Ditech Financial, LLC, and their incorrect reports of us not paying our mortgage payments, charging us copious late fees, threatening foreclosure on our home, reporting this incorrect information to the credit bureaus causing damage to our credit, etc. This company continues to remove all of the incorrect information when you get involved, only to turn around and do the exact same thing within 3-4 months. They are now claiming that we 're 3 months in arrears, claiming we did n't pay in XXXX of XXXX, XXXX of XXXX and XXXX of XXXX, which we have cashed checks from the bank to prove otherwise. And the continued late fees they continue to add onto our account is insane when you consider this is their accounting error. Not only have we made every single payment ( as our complaints before ), but we 've paid every single payment early. At this point, they are also trying to get more money from us by sending us letters regarding our escrow balance being too low, which is incorrect as well. We 've had this problem with Ditech going back to XXXX of XXXX, where they applied our XXXX ( XX/XX/XXXX) and XXXX ( XX/XX/XXXX) payments both to the month of XXXX ( XX/XX/XXXX ), as they admitted on many occasions. This became an issue when Greentree sold/merged with Ditech and we are simply sick to our stomachs having to continually deal with their fraudulent reporting/record keeping. This has caused medical conditions to flare up, costing us more and more money as well. We believe Ditech needs to be shut down, we 've read the countless complaints others have posted, including losing their homes to this company from their fraudulent practices. Enough is enough and something NEEDS to be done. We can not even refinance through another lender because of these problems!
09/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	ME 040XX	Web
I just received a small check for {$53.00} from CFPB/Green Tree Servicing. I did not know we could do anything because they made it sound like this was it. Im not sure what we can do but would like some help. We had Green tree in 2010. My husband lost his job and had a non compete clause ( ie could n't work in his field for a length of time ). We could n't pay our mortgage for 2 years. We had a 30 year note financed at XXXX down to XXXX when he lost his job. We tried a loan modification with Green Tree and they might had done it twice or I know they did something wrong because they made us do a 40 year note adding an additional 17 years to our mortgage. How can you miss 2 years of payments because of loss of work and then owe an additional 17 years to your mortgage payments. That 's outright scandalous. They also added XXXX escrow or something to our principle instead of putting it at the backend. Not sure what this was exactly but they said escrow. We need help and I am not sure where to go because our mortgage should n't be a 40 year note and all additional fees should not extend my mortgage an additional 17 years in fees. Yes, they also did make us do speed pay ( this check we just received does n't cover close to what we put out in those fees ) to make our payments and harassed us monthly even though we had open communication as to our situation and regular payments at that time. I would like someone to review this situation because we should not have an additional 17 years of payments added. I asked them and DiTech ( new company they sold to ) to look into and they said they would but of course they did not. This needs to be fixed and at the cost of Green Tree Servicing. I am not sure what part of the mortgaging company process I am suppose to check on this form but I am going to check loan modification though they scammed us in many other ways as well.
07/20/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 78572	Web
I have been trying to keep come current on my mortage. Had conversations here and there where representives told me all along that as long as i was making payments and not over 240 days late i should be fine. Had been making my payments up until XX/XX/2019 when my mortage servicer advised all past due payment had to be made in full. I wad asked by represententive ro borrow the money and pay past due amount and get it over with. Something to which i beleive is so unprofessional. Later receiving a letter where mortage servicer is in bankruptcy. Making me wonder if this is a reason why my petittion for a loan modification is not being handled the proper way. And later receiving a letter with a new acct # from original acct. Asked for loan modification to my mortage servicer. Which i just kept getting letters requesting same missing information. Never received a denial, only application to submit or missing information letter. After they referred loan to forclosure. With no progress on loan modification requested. which lead me to hire a loan advisor to help with loan modification. On or about XX/XX/2019 an other loan modification paper work was sent through loan advisor. On or about XX/XX/2019 loan advisor called on a 3 way call to verify on documentation sent. And was advised that no modification paper work was received. To which loan servicer resent. On or about loan advisor called me to mention that we have a 3 month trial period before final modification. Yet We since have received same letter requesting missing information, which is sent every time requested. Im now here with a letter that has a sale date on my property. I am being honest explained at the time reason of hardship via letter attached on modification paper work and phone with repprisentives. I have also explaines hardship is now over since XXXX and was ready to come current.
10/17/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32927	Web
My parents were attempting to purchase a manufactured home in XXXX in South Carolina. I received a telephone call at my place of employment at the time telling me that the finance manager from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX would be coming down to my work for me to sign paperwork, as they needed a co-signer on the retail installment loan as their credit was not good enough to qualify on their own. I have now discovered that the loan is solely in my name, not my parents, but I have been unable to get the loan refinanced in my parents name, or refinanced in any other way. The original loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX has now been bought and sold multiple times, now owned by Ditech XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have contacted them multiple times via their phone # at XXXX with no success, with my most recent phone call on XXXX/XXXX/XXXX to which the representative stated " Well, I guess you are pretty much screwed. '' " We can do nothing for you. '' The home was financed for {$37000.00} with XXXX % interest rate over 360 months. My parents have been solely making the payments, and have copies of all payments made since XXXX, which I can provide upon request. I personally have made ( 0 ) payments. They have never missed a payment. I have tried to ask about a settlement from Ditech on the phone, but they told me that it would be denied, while people were laughing in the background. My parents have now paid over 3 times what the home was originally sold for, and have nothing to show for it, as they ca n't even get it financed in their own name since we can not find any lender willing to refinance a retail loan on a 20 year old manufactured home. I currently live in XXXX, in my own home, and this is currently taking up my available credit so I am unable to expand my own business. Please help!
07/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33647	Web
We noticed on our monthly mortgage statement a charge for " repair '' for {$200.00} XX/XX/XXXX. We inquired about this fee XX/XX/XXXX, and were told it was for Code Enforcement. We have never received any communication from Code Enforcement, so we requested a receipt or invoice of what was paid to be sent to us. We called Code Enforcement, and they had no such record. A week or so later, we never received the invoice. Today, XX/XX/XXXX, we called back to inquire on this charge, and after spending an hour and a half on the phone being bounced around their system, we finally spoke to XXXX at x XXXX. XXXX was less than helpful, but did say the fee was charged to file with the county that the house was vacant? I am not sure why something like this would be filed ; we have lived in our home, continuously, for just over eight years. Green Tree refuses to refund the payment, and is forcing us to pay this bogus fee, or else we are subject to their deceptive collection practices of late fees and the like. In addition, we paid them, accidentally, twice in XX/XX/XXXX due to the change in payment - since our bill pay feature was incorrect. So, in XX/XX/XXXX we paid twice the required amount. Now, Green Tree refuses to apply the second payment toward our XX/XX/XXXX bill, again, giving rise to the possibility of additional fees. Lastly, we applied for a second mortgage modification XX/XX/XXXX, given our XXXX mortgage was already modified. We received an IRS form XXXX for the relief of the XXXX mortgage balance to file with XX/XX/XXXX taxes, to this day ; we have not received any disposition other than the IRS for from Green Tree. We have spent hours on this matter to no avail. Each time we call, roughly once a month, we leave our names and numbers but do not ever hear back. This service is poor at best and illegal at worst. Please help us right our mortgage account.
04/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08205	Web
My mortgage is serviced by Greentree Servicing. I pay my mortgage twice a month- one-half on the XXXX of the month before it is due, and one-half on the first, when it is due. Greentree has several times applied the mid-month payment to the principal of my mortgage instead of treating it like a payment, and then they consider me delinquent on my payments. They then start calling me about payment, and sometimes those calls are incredibly offensive, with nasty people treating me like a deadbeat and asking if they should start foreclosure, etc. When I call them back they see that I have been paying like clockwork and the get my account straightened out and do n't charge any late fees. This happened again XX/XX/XXXX, but I missed the error until recently, when I noticed that the statements were more in error than they normally are ( there are always XXXX differing sources of the status of my account- the mailed statement, which is always in error, the amount given in a voicemail from some Greentree person dunning me for a payment I do n't owe, the amount given by their phone system when I call them, and the amount given by a live person when I call ). This time when I called they said that because the year end had passed they could not fix the error, meaning that I had to come up with an extra half-month 's payment in order to get my account current. I then spoke to a supervisor who verified that there was nothing they could do. She also said that by default whenever they get a payment that is not exactly what the monthly payment is, it gets applied to the mortgage principal instead of being credited as a payment. I believe this is a predatory practice conducted by Greentree, the intent of which is to increase income from late fees. This practice needs to be investigated and either federal or state authorities need to order Greentree to stop this practice.
11/18/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	AZ XXXXX	Web
In late fall XXXX, my mortgage lender Green Tree sent me a no cost refinance offer in the mail. I had about 9 years remaining on my mortgage and a decent rate since I has refined at least XXXX times since I owned the property. I began speaking with a Green Tree rep, XXXX XXXX and she indicate no problem, of course a free loan, ( I clarified verbally and by email, not cost deferred, free ). Approximately XXXX XXXX, a notary was sent out to meet me for my signatures, I noticed approx. {$1800.00} of fees. I called this rep and she indicated she would have the docs redone. ( I have emails to her regarding this communication. ) Approx. 2 weeks later, after repeated delays and excuses, I again went to a coffee shop to meet the notary for the second set of docs. I was told because of an amount difference not accounted for by the reps assistant that I needed to bring a check of approximately {$600.00} to the signing. I was on my way to work, in addition to that the rep and I had communicated clearly verbally and by email on why this second signing meeting was necessary, I signed the documents. For approx. 6 months after this experience, I did not receive any loan statements from Green Tree. After calling to inquire, the statements began arriving and only recently after repeated request did I receive most of the 'missing statements from the time period. I took this statements and finance papers to my tax prepare to review. He indicated to me I had fees and points paid to Green Tree, completely against what was agreed from the get go and after repeated attempted repairs and communication on my part to this mortgage rep. I am appalled by the audacity and presumptuous disrespect of the public this rep, XXXX XXXX has in representing Green Tree and myself on one 's largest financial transaction in a lifetime. ( Do Note : Dictec has assumed Green Tree as of mid XXXX )
12/27/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	SC 29456	Web
In XX/XX/XXXX, I called to talk to DITECH regarding my escrow increasing from an escrow analysis performed in XX/XX/XXXX. They were increasing my mortgage payment due to an escrow increase. I asked them why they paid my taxes in XX/XX/XXXX when it should have been a XX/XX/XXXX for XX/XX/XXXX. I told them that paying early effects the low point in the calculations and they said it would not happen again. Come XX/XX/XXXX I found that they paid it again over 60 days early instead of XX/XX/XXXX when the payment should have been applied. This directly contradicted the escrow schedule provided in XX/XX/XXXX. I called them and asked for an explanation on why this occurred again. They said someone from Escrow would call me within 3 weeks. I waited the 3 weeks and no return call or correspondence came. I did however receive a notice that they were transferring the servicing of my account. This just seems like they transferred me out of retaliation when I was questioning them for manipulating the numbers to get more money out of me. I know they can have a cushion of 1/6 your annual escrow payout, and that they can bring the lowpoint to the cushion level. I feel that they are intentionally manipulating the numbers by estimating payments in one month but paying early to increase the lowpoint difference. I feel this is a shady business practice and down right predatory as we have no say in the transfers of servicing. Now I have to deal with the ramification of their miscalculations with another service provider. Since they have sold it, it now shows my lowpoint as XXXX when it should have shown a balance of XXXX which means they will charge me more money to bring up the lowpoint to the cushion. They need to be investigated for fraudulent manipulation of escrows as I am sure I am not the only one whom has had them do this. Also I think retaliation is a big issue.
04/19/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MI XXXXX	Web
Dea r Staff, I am in receipt of threatening letters fr om Ditech Company s tating that I am in XXXX days arrears for payments and that foreclosure preceedings have begun. Loss mitigation/loan modification application was forwarded to me. I have made all payments on time, or before the XXXX of the month via XXXX XXXX XXXX XXXX XXXX Their confirmation transmissions via email indicate amounts I did not submit. The correct amount of my mortgage payment is {$1000.00} Leading up to this point, my payment amount was {$1000.00}. This instrument was put together as a grant from Step Forward Michigan in XXXX . The original loan was a federal mortgage secured through FHA in XXXX . Somehow, in XXXX of XXXX , Ditech ended up with my mortgage aft er XXXX XXXX . In the XXXX of XXXX , Ditech Company paid the municipal property taxes twice, causing a shortage in the escrow account. They subsequently issued new escrow st atements. The matter of my escrow account was resolved, and all late fees were waived back in XXXX ( e.g. XXXX XXXX ) o f this year. First I was told there was a shortage in the escrow, then a check for {$480.00} was mailed to m e. XXXX conversations with customer service revealed the company is splitting the payments and not posting them nor crediting them to my account as submitted. Now I have an invoice in hand for over {$2000.00} along with foreclosure papers ; the company is claiming an XXXX payment was not made, even though the payment was submitted in full on XXXX XXXX . No partial payments have ever been submitted on this account. My desire is that all fees will be waived, that the correct payment amount of {$1000.00} be confirmed in writing, and that my account be fully restored at their expense. Ditech should lose its privilege to do business in Michigan. Thank you for your service.
01/20/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 373XX	Web
My brother, XXXX XXXX and mother, XXXX XXXX took out a loan with XXXX XXXX in XXXX, TN on or about XXXX. They both were not XXXX capable of understanding the financial documents. XXXX sold the loan to Greentree. XXXX XXXX, XXXX my brother died and XXXX XXXX, XXXX my mother died. I am the heir to the property. The house has been recently appraised for {$45000.00} The principal of the loan is approximately XXXX. I hired XXXX attorneys on XXXX separate occasions, neither could get any help from Greentree. We requested a short sale and offered a settlement. They faked a foreclosure. I had never experienced anything like that before, but I am wanting to keep this house, it was my childhood home, so I buckled and wired transferred XXXX only to get XXXX applied to the principal. Once they sent me papers so I could make an offer, but they would not process them because they wanted financial information from my brother and mother. THEY ARE DEAD so they have no income. On several occasions they will call and continue sending mail for my dead family members to contact them. They have all the legal documents required to show I, as well as my daughter XXXX XXXX has legal rights to talk to them. They have the death certificates. I have been trying for 2 1/2 years trying to reach a settlement offer. They are now called Ditech. Ditech has not changed anything, including the employees we talk to. Her name is XXXX. She is rude, condescending and makes hurtful remarks regarding the death of my family members. I have sent several certified letters to their higher management, in which they signed for. Still no one will contact us regarding this loan. I recently learned of the XXXX XXXX dollar lawsuit of all the illegal and unethical tactics Greentree was found guilty of. It is obvious Greentree changed their name to Ditech, but are still operating under the same principles.
10/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92584	Web
On XX/XX/XXXX, my husband & I filed a Chapter XXXX bankruptcy. My mortgage was not included. At that time, XXXX sold my mortgage to XXXX who reported my payments to the credit bureaus every month, but as being late even though it was n't. Then they reported that my last payment to them was XX/XX/XXXX, which was 1 month prior to completing my 5 year BK and in XX/XX/XXXX I was sold to XXXX XXXX XXXX. XXXX did not report any payments for the 6 months they held my mortgage. said my $ was in a suspence account because they needed more documents from XXXX. I only found out about this because I was denied a HARP loan for nonpayments. When I asked XXXX for a payment history, as I was told if I got one XXXX XXXX would accept that and I could do the HARP, they sold my loan to Ditech. Ditech has not reported one payment and although my BK has been discharged, they will not take me out of their bankruptcy department. These companies have been taking my $ for 16 months and not reporting them, worse yet they are not applying them to my loan. This not only has ruined my chance of repairing my credit, but has kept me from refinancing to lower my interest rates. I can not get away from them. They are stealing my payments. Ditech told me that XXXX XXXX XXXX no longer exists, but when I call their phone #, they answer " Ditech ''. I believe my loan is being sold for profit and they are all connected in some way. Please help me. My husband has since passed, leaving me to figure this out. I 'm preparing for retirement and they have taken my life 's investment from me. I 've sent them a copy of every check, which shows dates, amounts and who cashed them. I. Have not missed a payment or been late. My bank has a record of every check. They leave me on hold. One time was 3 1/2 hours only to tell me it 'll be fixed in 48 hours. I 've been waiting over 7 more months with Ditech.
07/10/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30135	Web
On XX/XX/XXXX I attempted to access the payment history on my account and received a message that stated, " Please call the Bankruptcy Department at XXXX for assistance. '' On XX/XX/XXXX I called the number above and was transferred to XXXX XXXX XXXX, which is a third party company that handles all bankruptcy accounts for Ditech Financial. I spoke with XXXX XXXX xt XXXX, a representative for XXXX XXXX XXXX. XXXX XXXX informed me that my case was showing that I was still in bankruptcy. I informed XXXX XXXX that my bankruptcy had been discharged in XX/XX/XXXX. She placed me on hold and researched and found that my bankruptcy had been discharged XX/XX/XXXX. She stated that her company should not have received my account because they began handling all bankruptcy cases for Ditech Financial on XX/XX/XXXX. I asked how long would it take to remove the bankruptcy from my account. XXXX XXXX stated 3 months for Ditech to audit the account. I asked for a supervisor and was transferred to XXXX XXXX ( he did not give me a last name ). He stated that what XXXX XXXX had previously stated was true and he apologized for the inconvenience. He agreed to escalate the case and told me that he would contact the Consumer Financial Protection Bureau and file a formal complaint. My concern is that I can not contact Ditech Financial directly because my account status remains in bankruptcy and all of my calls route directly to XXXX XXXX XXXX. I am also concerned that a third party company has received my personal account information in error. Both Ditech Financial and XXXX XXXX XXXX were negligent. Ditech Financial was negligent because my account should have never been sent to XXXX XXXX XXXX. XXXX XXXX XXXX was negligent because they never reviewed my account to see if it was in bankruptcy. XXXX XXXX told me that I can check back any time to check on the status of my account.
08/10/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IA 516XX	Web
My question concerns my mortgage note including the history of the note originating in XXXX. The first lender was XXXX for {$35000.00}, 20 years, fixed, at I believe less than 5 %. The second Lender was XXXX. During this time I suffered involuntary XXXX XXXX and XXXX. I attended two XXXX schools. I had to file bankruptcy. I contacted XXXX and received, signed, and sent to the bankruptcy attorney a XXXX Agreement. It was by accident several years later I discovered the Agreement was not included in the bankruptcy filing. I contacted XXXX and the attorney ; both blamed the other for the error. The bankruptcy court said I could file papers and pay a substantial fee to have the Agreement added to the filing but advised such attempts are never successful. Also during this time with XXXX, due to XXXX XXXX, XXXX, and XXXX school, I contacted them asking for help. I was told to stop making monthly payments and did so. I went into arrears on two occasions and then was told I did not qualify for programs. I paid the arrears, each several XXXX dollars, and reinstated the note. On a separate occasion, I was given a Modification. The Modification, without having the exact details, added years, percentage points, and increased monthly payments. The mortgage then went to Di-Tech and is now with XXXX XXXX XXXX ( XXXX ). Currently, I pay {$500.00} monthly at 6.25 % on a {$37000.00} principal and I believe the note is 30 years. I can not find that number from XXXX. The note is 18+ years old. I do not know or understand the status of the mortgage and my ownership of the home. The Reaffirmation Agreement must be void. XXXX considers the note under bankruptcy considerations and treats it and me so. I could not access my account online until recently, after nearly 18 months. I have asked for all paperwork on the account to no avail. Thank you, XXXX XXXX
10/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92240	Web
XXXX XXXX XXXX, XXXX was trying to foreclose on my property with a sale date of XXXX/XXXX/2017. On the day the sale was supposed to happen I went to the XXXX County CA courthouse and filed an emergency bankruptcy to get a stay on the sale. Shortly after that I called the trustee, XXXX XXXX XXXX, XXXX in XXXX XXXX, CA and asked how much I had to pay to reinstate my mortgage. They told me it was XXXX and that this was good through XX/XX/XXXX. However they never followed up with an itemized statement of what made up that amount. It was over what I calculated by at least {$2000.00}. Since I wanted to get my account current I went ahead and paid the {$12000.00} on XX/XX/XXXX. At this point I thought all was well. Then in XX/XX/XXXX Ditech sent me a statement showing I owed {$14000.00}. A few days after that I received another notice that my house was going to be sold at auction on XX/XX/XXXX. So I once again called XXXX XXXX XXXX and asked for a quote for reinstatement. After about 2 weeks of waiting and not receiving the quote I called XXXX and asked why they had not given me the quote. They said it was up to the lender. Well after about 30 minutes they e-mailed me the quote and it said {$4100.00}. This was for XX/XX/XXXX and XX/XX/XXXX payments ( 2 x XXXX ) plus what I believe were outrageous other charges. To avoid the foreclosure I paid the amount to XXXX Services on XX/XX/XXXX. XXXX Confirmed receipt of the payment and were forwarding it to Ditech. I have been calling Ditech every few days because they confirm receiving the payment but for over two weeks now they say they are processing it. To this day, XX/XX/XXXX, they still have not applied my payment but assured me my mortgage was reinstated. I think they are holding the payment long enough to become deliquent so they can start another foreclosure sale and make me pay more late charges and fees.
03/20/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92117	Web
Green Tree was my XXXX loan and they took over my loan from XXXX XXXX. I found myself in a serious financial situation where I could n't afford to pay my loan any longer. I tried to short sell my condo twice. the last attempt failed because Green Tree demanded I bring additional money to closing to pay them and sign a paper that basically said I would still pay them the total loan amount. The XXXX loan bank got angry and said Green Tree 's terms were not legal so the short sell fell through twice. While all this was going on, Green Tree illegally obtained phone numbers for All my previous employers and for a handful of my family members. Green Tree called them every day, all day long from XXXX to very XXXX. They told people they were looking for me because I owed them money. They told them to tell me I had better pay them. Green Tree also asked everyone if they thought it was right that I was n't paying them. The phone calls greatly affected my life. I would receive phone calls from family members and previous employers telling me I had better get my stuff figured out so Green Tree will stop calling them. I almost lost my job because the phone calls at my work would n't stop. I made several calls to Green Tree asking them to stop but they never did. I had to file chapter XXXX and get a lawyer. Even with the right paperwork filed, Green Tree did n't stop. It is now several years later and Green Tree has been pulling my credit about every 4 months. I sent them a letter asking them to stop and they sent a letter back saying they had a right to pull my credit if they wanted to. Green Tree has put me through XXXX and made a huge spectacle of my financial situation. Just because I owe someone money does not give them the right to be abusive, curse at me, inform anyone that ever knew me, they feel I 'm a dead beat who owes them money and threaten me.
11/13/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30135	Web	Servicemember
On the XXXX of XXXX I discovered that my home of 20 years was in foreclosure to be sold on XXXX. Needless to say, I went into panic mode. I immediately called my mortgage company to see if there was anything I can do. I spoke with a XXXX at extension # XXXX. She stated that I was offered a flex medication in XXXX and why I did n't take it. I told XXXX I never received the information. XXXX put me on hold for 5 minutes and came back to the phone and stated she just spoke with the loss mitigation department and they said I had to make those trial payments. I ask XXXX how much do I need to pay now. She gave me a figure of XXXX. I made a payment of {$600.00} on the XXXX of XXXX I made another payment on the XXXX of XXXX for {$600.00}. Called Ditech on the XXXX and spoke with a XXXX at extension XXXX. She stated the trial payments should have been {$630.00} for XXXX, {$630.00} XXXX and {$630.00} for XXXX. So my last payment should be {$710.00}. Called on Friday the XXXX of XXXX to make the last trial payment of {$710.00}. Spoke with XXXX at extension XXXX. I told her Ditech has been working with me on the flex medication and I wanted to make my last payment. She would n't except my payment.I ask to speak with a supervisor, but she said she could n't find one. However, she stated she was going to e-mail someone over in loss mitigation and she would get back to me on XXXX. XXXX did contact me on XXXX the XXXX and stated someone e-mail her back from loss mitigation and stated to make last payment as soon as possible. I called back again on XXXX the XXXX and demanded to speak with a Supervisor. Spoke with a XXXX at extension XXXX. She informed me thet the flex medication was not submitted properly and that she would submit today.Now they tell me flex medication has been denied. I dodnt want to loose my home. Please help me please. Thank you so very much.
05/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33021	Web
my mortgage servicer ditech paid my home taxes without my knowledge in XXXX i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from ditech even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from ditech automatically enrolling me in forced escrow. ditech took it upon them selves to increase my dues to cover escrow without notifying me. when i realized ditech had paid my taxes on my behalf i immediately reimbursed ditech the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit. ditech readjusted my account to show XXXX escrow balance but never correct my credit. the next year XXXX ditech paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for XXXX and some for XXXX again i immediately reimburse ditech the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for XXXX i have come to a roadblock in trying to come to an agreement with ditech. the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need ditech to realize they paid my taxes and i reimbursed them 100 % as asked from XXXX ( reflected as XXXX ) the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.
10/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77494	Web
Ditech informed us in a mandatory One Time Private Mortgage Disclosure that as of XXXX 2016 that our LTV ratio based on the original value of our property was 77.5 %. We called in XXXX to enquire why the PMI was still being charged to our monthly payments, when we have the legal right to Automatic Termination when the LTV reached 78 %. Customer Services could not give any information, refused to connect us to a supervisor or to a representative from the Escrow Dept, simply stating that all PMI termination requests had to be made by mail to the Escrow Dept. We therefore wrote to the Escrow Dept, requesting Automatic Termination effective as of XXXX 2016 and a refund of the PMI charges made since XXXX. The Escrow Dept responded by mail in XXXX that this request was denied because we had not authorized an appraisal, which would be at our cost. We again called Customer Service to explain that our PMI should have terminated automatically ( as our LTV of 77.5 % was less than 78 % ) and that we were not requesting cancelation of PMI, which we understand may require an appraisal or BPO ( and which would only apply when LTV is between 80 % and 78 % ). The Customer Service agent was again unable to provide any help at all, could not understand the issue and proposed that we write again to the Escrow Dept, who would respond within a month. Ditech is clearly not complying with the Federal Law regarding the process for cancellation or termination of PMI, and through either incompetence or dishonesty are illegally continuing to charge PMI when they should have automatically terminated these charges. Given the high number of similar complaints already made to the CFPB about Ditech, this would appear to be a systematic issue rather than a one off, and therefore we consider merits a Federal audit or investigation to protect the rights of all Ditech customers.
02/15/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AZ 85213	Web
My husband was laid off in XXXX, creating a financial hardship. I contacted Ditech when we realized it was going to take a while for him to get his old job back. Upon doing this Ditech told us that we could apply for loss mitigation. They assured us that we did not have to worry about making our house payment during loss mitigation because nothing would happen during this process they could not do anything about it, there would be no foreclosure taking place. They also told us that if the loss mitigation application was denied they would work with us on making repayment to Ditech. One representative quoted {$1500.00} a month and ask us if that was doable. Other representatives gave us conflict thing information on a regular basis. But overall we were told we did not need to worry about our mortgage payment repeatedly. Now Ditech is telling us that we have to pay them almost {$3000.00} in order to catch up our payments. They will not except just one month to start. Although they did except it once before but now they 're telling me they wo n't. So instead of being able to work with them to set up a repayment program as they repeatedly told us they would do, they are requiring all late fees and two months worth of payments in the next 13 days or foreclosure proceedings will start. They have lied XXXX 's repeatedly during this process, one representative after another with different information. Some agents told us that we would have the payments tacked onto the end of our loan, some representatives told us our interest-rate would be lowered, some representatives told us that our loan would be put out to a 40 year loan. Again repeatedly assuring us that we did not have to worry about making a mortgage payment that they would work with us if our loss mitigation package was denied to set up a repayment program. None of this turned out to be true.
12/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70454	Web
I called Ditech about 1 month ago. I told them that I wanted to drop my Private Mortgage Insurance ( PMI ). They wanted me to Write Them A Letter. They will not talk to me about this on the Phone. They finally gave me an email address that I could send them an email. I emailed them my information and told them I wanted to drop the PMI. ( you can do this after you have had the loan for 2 years ). I have had the loan for 3 years. They denied my cancellation due to the fact that I did not send them a Authorization For Appraisal. It has taken 2 weeks for me to be denied be cause I did not send them a Aurthorization For Appraisal. ( I had no idea that I needed a Authorization For Appraisal Form and no idea of where to get one ). My complaint is this : We live in the 21st century. Every other department that Ditech XXXX has, you can talk to a representative. However, to drop your PMI, you have to use Stone Age communication. They do not freely give out an email address to the PMI department. You have to threaten to contact the Insurance commision or the Federal Trade Commission to get an Email Address. They should be made to have a phone number for the PMI department and personnel experience with PMI answering that Phone Number. I have sent the Authorization For Appraisal Form to them by Fax and mailed a letter to an address in South Dakota that they gave me and I did get an email address from a lady at Ditech, but I am not sure if the email address is actually to the PMI department. This is unfair to the consumer : If you want to pay them money, they will gladly give you a hotline to call, but, when they legally have to allow you to drop PMI after 2 years if you owe less than 80 percent of the loan. They will Not talk to you on the phone. They make it very difficult to communicate with them about removing PMI from your Loan.
05/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 300XX	Web
This issue was first resolved XX/XX/XXXX with Green Tree Servicing LLC and Consumer financial Protection Bureau case number: XXXX, whereas green tree acknowledged my payments. What happen in the process: On XX/XX/XXXX, I talk with Representative XXXX with Green tree mortgage to get and explanation why every time I make a payment it doesn't show in my account activity for payments receive and principal reduction. She informed me Green tree had placed my account into a loan modification. As I explain to her I did not request or sign any documents requesting a loan modification. She requested me to do two things: 1. Write a letter stating I do not want a loan modification, and I will send the balance of $XXXX needed to bring the loan current on Friday XX/XX/XXXX. I fax the request on XX/XX/XXXX. Green tree sent me a letter acknowledging my fax. 2. Mail funds on Friday XX/XX/XXXX as agreed to bring the loan current. On XX/XX/XXXX I mail check number XXXX in the amount of $XXXX to Green Tree. I've confirm with my bank the funds was processed on XX/XX/XXXX. Today XX/XX/XXXX After Green Tree's letter of acknowledgement about resolving this issue Green Tree keep putting me off for the reason the monthly statements did not reflect I was current on payments. Later Green tree moved my account to Ditech now this issue has not changed and I keep getting calls stating I'm late on payments and this month they reported it on my credit report. I have details of all my payments to green tree and Ditech showing I have not missed a payment after I brought the payments current XX/XX/XXXX. Date Check Number Payments Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 01453	Web
XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, XXXX Ditech Financial LLC Previous Account # XXXX ( XXXX/Green Tree ) Previous Account # XXXX ( Green Tree ) Current Account # XXXX ( Ditech ) This letter is in response to your letter dated XXXX XXXX, XXXX. We have made SIXTEEN (!! ) different calls to Ditech Customer service regarding our situation and NO ONE has yet to resolve our issue. Based on the letter we received, NO ONE seems to understand the issue. There is NO problem with the current mortgage # XXXX ; our issue is with the DISCHARGE OF ACCOUNT # XXXX. So here we go again!!. Exhibit # 1 : Our original mortgage was with XXXX Mortgage in XXXX. This mortgage was assigned to XXXX XXXX XXXX in XXXX ( account # XXXX ). In XXXX XXXX, the mortgage was assigned to Green Tree as evidenced in exhibit # 1 attached. Exhibit # 2 : In XXXX XXXX, we remortgaged with Green Tree. At the time of the remortgage, a discharge was completed. However, Green Tree was not discharged from the mortgage, XXXX XXXX XXXX was discharged. This is evidenced in Exhibit # 2. THIS IS THE PROBLEM. At the time of the discharge, XXXX XXXX XXXX did not hold the mortgage, Green tree did. Exhibit # 3 On XXXX XXXX, XXXX, we were contacted by the attorney 's office who is handling our current refinance. A copy of the email is attached. At that time, we contacted Ditech, our first phone call. We were told to provide a copy of the email ( which is exhibit # XXXX ) from the attorney. We did this on XXXX XXXX. At the same time, we were provided with a secure link in an email. We uploaded the email ( exhibit # XXXX ) and the assignment, Exhibit # XXXX. This attorney 's office conducted a title search and discovered the issue with the discharge being incorrect. Exhibit # XXXX Copy of the fax sheet sent to XXXX regarding what needed to be corrected provided on XXXX XXXX, XXXX.
06/19/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 897XX	Web	Older American
My loan with Ditech Financial L.L.C. XXXX XXXX, XXXX XXXX, SD, XXXX, Phone XXXX, was paid in full ( closed ) on XX/XX/XXXX. I had set up automatic debit to pay my monthly mortgage with the funds withdrawn from my checking account on the XX/XX/XXXX of each month. No one told me to call Ditech to stop the automatic payment. Since the loan was pain on XX/XX/XXXX, I did not anticipate Ditech would withdraw my payment on XX/XX/XXXX in the amount of {$2200.00}. When I logged onto my checking account I was horrified to see Ditech withdrew the funds even though the account was closed. I called customer service on XX/XX/XXXX and they stated it was my fault and a separate department handled this matter and they would process a check in 30 days and mail it to me. I asked if they could refund the money to my account electronically and they said NO. I called again on XX/XX/XXXX and spoke with supervisor XXXX, Ditech ID : XXXX, who stated there was no way to expedite my refund. They will not pay interest on the {$2200.00} they owe me. I think this debit of my money is wrong. Since they have a special department to handle the refunds of automatic debits after the loan is closed, I suggest they do this frequently and use this as a means to earn money and interest on the money to the detriment of the consumer. My initial loan was with XXXX in XX/XX/XXXX and they sold the loan to Ditech. I did not choose Ditech as my mortgage company. I hope your agency will take action regarding Ditech 's practices. I think if I had n't told them to stop the automatic payment on XX/XX/XXXX, they would continue to debit my account without regard for the XXXX balance on the account. Thank you for your considerate attention to the above and I hope you will be able to expedite my refund. I hope there is some recourse against Ditech to prevent this from happening to others.
10/13/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30058	Web
Please help me prevent foreclosure to my property at XXXX XXXX XXXX which I have owned for twenty years as single woman head of house with no assistance nor help from anyone. After 15 months of continuously contacting my lender Ditech Financial/Green Tree Services denied my application over four times as a request for Special Forbearance and Mortgage per the investor request I have diligent prepared for months and worked directly with XXXX, XXXX XXXX & XXXX XXXX with NO Final Resolution and a unexpected/surprise Foreclosure Notice the day I submitted the final requested XXXX 2015 bank statement on the XXXX/XXXX/2015 the same day I received a notice I was denied plus received from the Attorney XXXX XXXX XXXX XXXX XXXX. foreclosure number. During the time Ditech Financial acquired Green Tree Service I was in process of completing the application process. Upon my attempts to make several calls to Ditch/Green Tree Services I have never seen such unprofessional non-responsive after contacting them for 15 months to work towards a mortgage modification resolution. I have numerous home repair issue I have attempt to repair using life savings and canceling insurance policies. I desperately need assistance to save my home from foreclosure as I have repeated called everyday since completing the Request For Mortgage Assistance application. I have the property listed and a buyer wants to purchase but no response from Ditech/Green Tree Services since XXXX XXXX, 2015. My roof is leaking, the foundation is cracking from the drive way unto the garage, my AC unit is not working and I can not afford to have all these items repaired. Again I have not been able to speak with XXXX XXXX my Ditech/Green Tree Account Representative for she is non-responsive plus continues to answer my calls but puts me on hold and returns to address my request for a Short Sale.
10/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA XXXXX	Web
My property at XXXX XXXX XXXX, XXXX, CA XXXX is serviced by Ditech Financial. XXXX XXXX XXXX, my originator, sold this loan while I was in a confirmed plan with XXXX XXXX Bankruptcy Court, a clear violation. They sold my loan without identifying that the property was included in a Chapter XXXX Reorganization - with a Debtor in Possession status. I have received a Demand for {$68000.00} for erroneous accrued mortgage payments from Ditech. I have received a threatening letter from Ditech 's attorney entitled " Notice of Appearance and Request to Receive Notices '' which is attached, enjoining the US Trustee, XXXX, CA and my Bankruptcy attorney of record. Then I received a letter entitled " Notice of Sale of Ownership of Mortgage Loan by XXXX XXXX XXXX XXXX, also attached. My letter response to Ditech 's attorney 's is a Cease & Desist and addresses the payments made and confirmation status and to stop this harmful and illegal collection, a clear violation of the Confirmed Plan and federal bankruptcy laws. Upon further examination, these correspondence look like scams, and as a victim of illegal foreclosure, I am both, compelled to respond but also I am skeptical of the validity of these threats, backed up by Internet content that says specifically XXXX is a total scam. I am filing this complaint to put XXXX XXXX on notice, to Cease & Desist this illegal collection and violation of my confirmed plan, to get their attorney under control and to provide me compliant accurate loan accounting. Furthermore, this complaint seeks to expose the action by XXXX XXXX XXXX XXXX and demands I receive my official mortgage agreement that identifies the legal mortgage holder, terms of the loan, and appropriate adjustments on the loan as a result of the Chapter XXXX confirmed plan terms. This all looks like a set-up for illegal foreclosure.
01/18/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY XXXXX	Web
We went through a foreclosure /modification under the auspices of XXXX County Court in XXXX XXXX New York . Several things happened during this process that we feel were not right. First off Di Tech had held 5 months of payments in Suspense while filing a foreclosure action against us. They did not acknowledge having the money until we brought it up in court. Then miraculously the money over ( 10,000.00 ) was returned to us. After much grief and stress we were finally offered a modification plan still with an exorbitant amount of interest for these times ( 5.375 % ) and we made our trial payments. The referee ruled we had to wait for the bank to put the mods in place a process delayed for no apparent reason by the bank for 2 months until the referee ordered someone to appear before her if this was not done later in XXXX I believe. Our modification period ended in XXXX and we were just making payments as we were told. All of a Sudden XXXX bill came in with additional charges of 300 plus dollars for " Legal Fees " we stated we were told that these fees were what was added into the loan because over 35K was added back to our loan. We were told in Court that these fees were the money we were waiting for them to add on to the mortgage to come up with final numbers. We got these final numbers which was not until XXXX or XXXX. Then in XXXX we get these additional charges and when we called Di Tech they said more would be added in XXXX. We have deducted this 600+ dollars from our payments and told them this money should have already been included in the numbers and at this point if it wasn't it was their loss. Today I received a response from Di Tech and the Representative was nasty and said well then they will just add them on to the end number and I said they have already been added in and if they did we would surely be in court again.
02/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98445	Web
We were in chapterXXXX we completed our plan in XXXX XXXX we were instructed by the chapter XXXX trustee that we were to start making our own payments in XXXX XXXX and we did, Dietect sent us a letter in XXXX stating we were one or more payments behind and in default, not True and I wrote them sent them bank statements showing they had got all of our payments and when they had ach through our account, they ignored it and kept dunning us for a payment or payments we do not owe, they have called my husband at his job they have sent incorrect house statements we have wrote them every month since XXXX XXXX asking for a correct house statements with no answer we have wrote them in XXXX requesting they tell us which payment they say we did not pay, because I have bank records showing all my payments from XXXX XXXX untill XXXX XXXX where the ach my account and got all their payments, I have contacted my Bankruptcy Attorney and they have contacted the Chapter XXXX trustee and told them ditech was saying payments had not been paid and was told by yhe Bankruptcy Attorney that the chapter XXXX trustee contacted our mortgage co XXXX XXXX XXXX with a 21 day final cure payment because we were getting ready to complete our XXXX XXXX and if any money was still owed the XXXX co had 21 day to respond and they did not respond so they conceeded we were paid so in XXXX according to our chapter XXXX trustee they paid XXXX XXXX, XXXX XXXX and XXXX XXXX payments so there is no way we are behind in payments Ive sent all of this to Ditech and they still refuse to quit trying to collect payments from us we dont owe.They will not provide us with the so call missing payments so we can present them to the chapter XXXX trustee, we have had no info on our house for 5 years while we were in chapter XXXX we know we made all our payments as instructed by the court.
03/09/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90016	Web
They keep returning my checks and won't give me instructions to reinstate despite their letters saying to call to get details about reinstatement. They've held previous checks for 3-4 weeks and returned them uncashed. They then sent me to their attorney after no one answered calls or gave me instructions to which I wrote the following with supporting documentation. The XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX : Ditech Account # XXXX Dear Sir or Madame : I have been attempting to get my account caught up to date for over two months to no avail. After having my third check for the full amount due returned to me after being held for almost four weeks, I am thoroughly frustrated and feel that reaching out to you is my last attempt. I will be copying the XXXX XXXX XXXX as well as the FTC regarding what is going on. I simply need instructions on how to get my account current, which Ive been trying to do since XX/XX/XXXX to no avail. I have not been able to reach anyone by telephone, and no one will provide the instructions to me via email or letter, which is requested so I can have this matter resolved. In my last correspondence via the website, I was told the check had to be certified. In anticipation of getting the final amount ( which I still didnt receive, but for which I was now sent a request from my bank for $ XXXX because the amount on the website currently says {$8100.00} ). I need to know specific instruction of where and how to send this cashiers check and assurances in writing that it will not be returned to me as the past three checks have been returned. I suffered a XXXX at work a while back and am now trying to get back on my feet. Please assist me with wrapping up this ordeal and reinstatement of my account. Please send an email / hardy copy of the instructions ASAP so I can wrap this up. Thanks.
05/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 338XX	Web	Older American
First Greentree LLC were not honest and lied about not receiving payment and so on. By the time they filled for bankruptcy they ran a deferred balance of {$62000.00}. Penalties and interest. They are not being honest and I have proof of dates and filling for a loan modification Second Diteck took over the mortgage They just changed there name. They also have not been honest. I have not received the balance of my insurance money due to Hurricane Erma. They send me letters every week like I have not sent them anything. Its not true. I have faxed this to them in XXXX and sent them emails with everything they have asked for. Once again they are charging me with late fees and so on.. They also didn't pay my insurance company. They took it apon them selves to Sell me a Diteck insurance. When I had followed up with my carrier she told me it was not paid and they thought I went with someone else. I pay insurance and taxes each month to put in escrow. During the payments from the insurance company they applied it to my mortgage and Diteck told me I sent it to the wrong place. That was not true. I put 3 checks in the same envelope and mailed it to the same address. It took many calls and finally a conference call with my insurance company. If you call they are all the same. Debit collectors and do anything to no be of servicing there accounts. You cant find a supervisor to speak to.. It is frustrating. They have held this {$2200.00} check for over 2 years and in the mean time I asked them to apply it to my mortgage. I want penalties and interest on that money. Or they can back out the dishonest penalties and interest they have run up on my mortgage. Diteck also has filled for bankruptcy as of XXXX.2019. I really want everyone to know how dishonest both companies are. Changing your name and using the same tactics should be illegal.
05/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 35205	Web	Older American
I received a call today from XXXX at DITECH on Thursday, XXXX XXXX, 2016 that my XXXX XXXX, 2016 payment had not been received. I checked with my bank and verified that the automatic payment was sent and the funds were deducted from my account on XXXX XXXX, 2016 the same way that it had been done for years. I told XXXX that I could have my bank contact her. She suggested that I make the payment again while they " tried to find the original payment ''. I talked to her supervisor, XXXX XXXX, and he said that they would track the original payment and contact me within " XXXX hours ''. No one contacted me. So I called on, XXXX XXXX, 2016 at XXXX and they said that they would have to have XXXX call me back. I waited the entire day and she did not call. So at XXXX, I called for XXXX and I was curtly told to hold for her. I waited ten minutes with dead silence and no one responded. I called back at XXXX and the auto message said that there is no one there to help me. On XXXX XXXX, 2016 I spoke to a customer service supervisor, XXXX XXXX. He said that after they had changed all of the account numbers and that it was " a mess ''. But, he promised that my payment would be properly credited by XXXX XXXX, 2016. He also promised to reverse the late charge and to send me an email telling me what had happened. I checked on XXXX XXXX, 2016 and nothing had been done. On XXXX XXXX, 2016 I left a voice mail message for XXXX XXXX. No response. On XXXX XXXX, 2016 I left another voice mail message. No response. Today I received a call from XXXX in the collections department that my XXXX XXXX, 2016 payment was past due. I told her about everything that had happened. She said that she would check into it. Her contact number is XXXX XXXX XXXX. I have also received a collections letter and a statement indicating the past due amount and the late charge.
08/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA XXXXX	Web
I have a complaint with DITECH, which on my credit report lists itself as XXXX different entities which are : DITECH FINANCIAL LLC, DITECH FIN, and DITECH. DITECH has made inquiries to all three credit bureaus : XXXX, XXXX, and XXXX in the last quarter. They are indeed my mortgage company. In XXXX 2016, when I made my mortgage payment, they applied the wrong amount, thinking that my check read {$1000.00} less than what it was. I have proof and the cancelled check that they made an error ( which they admitted to ) ; they sent me to DITECH Collection Agency, which I have never been to a collection agency in my entire life, which informed me that they realized their error and would fix it. However, they never did. In XX/XX/XXXX, they told me that I was late on my payment, XXXX weeks after they received the payment and the check was cashed. In XX/XX/XXXX, they did the very same thing. I called them each and every time, spoke to various people in their collection agency, who promised me that they would send me a letter of apology and certainly never report any of this to the credit bureaus as this was their error. I never received the letter, and just knew they would not keep their word, which they did n't. They have made XXXX inquiries under the names listed above, which has resulted in my credit score going down. I am also a victim of identity theft, which also brought my credit score down, but I am sure that you know, as I do, that when a mortgage company sates that you are late with a payment, your score goes down even more drastically. I need them to stop making inquiries to the credit bureaus, as every time they do it lowers my credit score. I would like a letter verifying that they have retracted the false information. Once again I will reiterate that all of my payments have not only been on time, but they have been early.
06/15/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 318XX	Web
XX/XX/XXXX I feel behind on my loan due to lost of employment. hence Ditech started foreclosure proceeding against me ... I was able to work with them & get my loan up to date. Ditech stated that if I pay {$910.00} in attorney fees that they would bring my loan current. I paid the fees XX/XX/XXXX and I have been making regular payments of {$690.00} every since then. I receive a letter in the mail stating that they were going to foreclose against me since I owed them {$200.00} in back attorney fees. Dictech never told me verbally or in writing that they were additional attorney fees and that my Mortgage payments will increase {$69.00} every month until those attorney fees are caught up. I have ask Ditech to supply a breakdown of these said attorney fees, and as of now, I have not receive such. This is unfair business practice, as I was never verbally told or written form that my mortgage will increase due to attorney fees. Also if Ditech knew that the attorney fees of {$910.00} was not sufficient they should have stated other wise, but they did accept my money without any hesitation and Ditech guaranteed me that my account will be in good standing once I pay the {$910.00} and continue paying my monthly payments of {$680.00}. Ditech stated that my payment of {$910.00} was not paid to the attorney fees but was allocated to my mortgage and my account specialist XXXX XXXX was no longer with the company. I am asking that Dictech be accountable for allocating the funds that I provided them in the correct order that they insured me it would be. As it is quite obvious that they are out to remove me from my home. I suffer with health related issues & with the added stress of a looming foreclosure is too much for my body to withstand both mentally & physically, especially when Ditech assured me that my account was in good standing.
10/08/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	CT 06457	Web
I had a mortgage with Ditech Financial Corp. I had trouble paying my mortgage and was put onto a repayment plan. The plan was successful and representatives from Ditech said that I was once again up to date on payments. I began paying my mortgage as I should by XX/XX/XXXX. In XX/XX/XXXX I received a letter saying that I no longer had a mortgage due to a decision made by Ditech. They would no longer finance my home ( with on time payments ) because I had a history of not making my payments on time. Ditech then sent back my payment check and would no longer accept payment. Twice a week, Ditech reps came to the house and left a note on the door for inspections. At this point, the mortgage was up to date, but Ditech would no longer accept payments. I went to XXXX, CT court and worked with a housing expert who let me know my options. It was found that I was on time with payments. Ditech then foreclosed on my house in XX/XX/XXXX. I had spent roughly {$68000.00} in lawyer fees and back payments to Ditech and they never accepted the mortgage was up to date. I LOST MY HOME. A home that I paid for and was making monthly payments on. I only became in arrears when I lost my job, but I was able to catch up with my mortgage in 8 months time. I had to move into an apartment and lost the only home my XXXX XXXX year old adopted son knew. It was Ditech representatives based in Florida that told me that I was ok and my mortgage was up to date, though each time I called them I had a different representative and could not get a hold of the original rep. My account was switched over to representatives upwards to 15 times. I don't have a home anymore. I was forced to leave. The home I had sits untouched since the day I left and I miss it dearly. I just want to recover what was mine and move on from this horrible disaster.
04/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33629	Web
When I purchased my home in XXXX of 2018, there were two separate parcels as part of the sale, my home and a contiguous piece of land. These had two different parcel numbers under the same address with a total real estate tax amount of {$12000.00}. ( {$740.00} + {$12000.00} ). Unbeknownst to me, someone had mis-entered the 2nd smaller parcel 's number on my mortgage account for my escrow and my next door neighbor 's property was listed in my escrow account as the second parcel on my property. This resulted in the mortgage company ( Ditech ) paying for the real estate taxes for both my house and my next door neighbor 's house with the second smaller parcel on my property 's taxes not being paid properly. This error was in the amount of {$9100.00}. As a result, my escrow account was completely depleted and an escrow analysis was then performed resulting in an increase of my monthly mortgage payment from {$3600.00} to {$5500.00}. I tried several times via phone and email to reach Ditech only to receive a letter in the mail stating they had 30 days to research and resolve the problem. However, this 30 days has since come and gone.I 've just now called the tax assessor 's office ( XX/XX/XXXX ) and they have indicated that there has been no attempt to correct the error on my account. In the interim, Ditech transferred my loan over to another company called New Rez. They are now demanding the monthly payment of {$4900.00} because that was the last amount sent to them by Ditech as the amount I owed with no mention of this pending investigation. I have called New Rez to apprise them of the situation and sent an email requesting that this be investigated as well. This new payment was due on XX/XX/XXXX and I have a 15 day grace period to pay the amount but they told me that I would be penalized if I did not pay the full amount.
10/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90277	Web
Over the past 6 months I have paid my mortgage early or on time and each month Ditech Financial LLC representatives have misapplied my payment to principal only. They than assess a late fee which I follow up with an on line chat or a phone call. Each month they have corrected the problem and reversed the late fee. Each month when I have communicated with them I have asked if there is something wrong with the remittance from my bank and have been told, " Not that they can see. '' When XXXX 's payment was misapplied I called and the person I spoke to told me that their system just did that sometimes. He suggested that I set up an auto-pay. I explained to him that since Ditech could not manage a simple payment application process correctly I was not inclined to open up my bank account to them and asked him to try to find a solution for them to receive and process my bank check properly. This past month they did neither and they also sent late pay information to credit agencies for myself and the joint owner. I paid the mortgage on XX/XX/18. It is visible in the on line history of my account. They again applied it to principal only. I sent a chat to have them fix it as I have done for many months on XXXX. I was less polite then normal and in response they have continued to charge me a late fee and have apparently sent incorrect information to the credit agencies about our on time payments. I have attached the records that are available to me on line so you can see the payment from theXX/XX/XXXX and the re-allocations before that to correct the same issue over and over again. I have also attached the record of my communications with them. Again over and over again. I have since them a registered letter and I am contacting your agency to see if there is anything you can do to help me resolve this issue. Thank you,
12/28/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	AZ 85086	Web
I am writing in response to Ditech Financial LLC 's recent initiated foreclosure action against me. This is a rather shocking revelation since I am current on all monthly mortgage payments. After conducting an extensive audit of all mortgage payments to Ditech in XXXX, it was revealed that Ditech was overpaid {$2500.00}. Numerous, certified USPS correspondence mail was sent to Ditech detailing the payment history as well as identifying the overpayment. There was no answer by Ditech. On XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, Ditech was sent Qualified Written Requests in order to conduct an audit of their records. To date, Ditech has not responded, violating their legal obligation under the Real Estate Settlement Procedures Act ( RESPA ). Accordingly, I seek the remedies afforded me under RESPA in the amount of {$2800.00}. This is not the only transgression by Ditech. Throughout XXXX & XXXX Ditech has been : Misapplying my mortgage payments to the wrong account. Failing to renew my Homeowners Insurance on the property and instead initiating a " forced-place '' policy that only paid the balance on the mortgage and did nothing towards replacement of the dwelling or other personal property destroyed or damaged. Such activity violates state and federal laws, including the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX A recent case against XXXX XXXX XXXX and its mortgage servicing agent, XXXX XXXX XXXX, resulting in a large settlement for the plaintiffs. For reference, this case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida, No XXXX. Charging late fees even though I am current on mortgage payments. Engaging in coercive collection practices and falsely claiming that certain amounts are due. I am in possession of the evidence to prove all of the aforementioned claims.
02/02/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11735	Web
I placed a complaint number XXXX where Ditech responded inaccurately. Again I am requesting a itemized breakdown on how they are arriving at the total amount past due so as I can liquidate my retirement account and bring this account current. As of XXXX XXXX XXXX according to a statement sent to me Ditech claims the totat amount past due is {$62000.00} where this calculation is inflated and before I send out a check for over {$50000.00} I want them to place in writing clearly how they are arriving at their total amount past due. The other issue in the original complaint which Ditech was not truthful claiming they never received the property tax reduction documentation where my property tax grievance reduced my taxes over {$3000.00} per year. On XXXX XXXX, XXXX I received a letter where it stated as per the origninal terms of my mortgage with XXXX before it was sold that on XXXX XXXX XXXX the interest rate increases to 4.0 % and my monthly payment according to Ditech as of XXXX XXXX, XXXX will be XXXX. This calculation is incorrect because it is not factoring in the reduction of my property taxes and their response to the original complaint that they did not received documentation is false. I am requesting a property breakdown of how they are arriving at this monthly payment amount of {$2500.00}. What this complany has done in essence is take advantage of someone who was suffering from a temporary XXXX and has dragged this matter on with false promises of a modification while playing a paperwork delay game where they allegedly applied for modifications four times of the past year. In XXXX XXXX when the company was named Green Tree I was instructed to stop making payments so I would have a better chance at the mortgage being modified and the clock reset to a 20 year mortgage and in some instances a 40 year mortgage.
10/20/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WI 535XX	Web
This is an amendment to XXXX complaint with additional information. Ditech financial LLC failed to respond in a timely fashion to a request for financial relief. A request for paperwork was submitted in XXXX XXXX and no response was received until XXXX XXXX XXXX. By this time they had already filed for foreclosure. In addition, no assistance was offered whatsoever in avoiding foreclosure. I was nothinking offered a forbearance or any other type of assistance as required by law. On several occasions a pay off letter was requested the latest being on or around XXXX XXXX, XXXX. To this day I have not received this paperwork. I offered a deed in lieu of foreclosure and even this was denied. I mentioned we were attempting to sell the house and was advised I needed a realtor to do so. There is no statutory requirement to hire a realtor to sell a home. One an offer was received and faced to them twice they claimed they never received it. Yet other paperwork including a POA type of order was faxed to the same number and that was received just fine. The offer was not a short sale but enough to payoff the debt. They also increased the interest rate from 2 % to 3 % after default. This practice is absolutely prohibited. In the end and 2 days prior to the auction I again reached out and stated I had an offer that would be closing on the XXXX XXXX, auction was XXXX XXXX, I was advised by XXXX that there was nothing I could do and that the home would be sold in 2 days. She went on to say I should n't have waited until the last minute. When I had been talking to them for well over a month prior. They continue to attempt to collect on a second mortgage even after the foreclosure and even after a prior chapter XXXX bankruptcy. I ask for immediate relief and that Ditech be held accountable for its unethical if not illegal activities.
11/16/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	ND 58201	Web
Ditech Financial LLC recently purchased my mortgage and I 've had many problems w/ them from the start. My 1st payment w/ ditech was due on XXXX/XXXX/2015. I tried to set up my online account w/ them but was unable to do so. I called and they said since my account was new I had to wait about 2 weeks in order to get a user name and password. Since I was within the 60 day transfer window I figured I 'd just wait until I could set up the online account and do an ACH transfer. I continued to get hounded by their collection dept all month. Now it 's around XXXX/XXXX/2015, I try to set up my online account and am told the service is down for some reason. Since I was still within the 60 day transfer window I told them I would make a double payment on XXXX/XXXX/2015. The rep at Ditech argued w/ me saying he 's never heard of a 60 day transfer window. The collection dept continued to call. I found it odd that they would call my workplace before calling my cellphone. I do n't want my co-workers thinking I 'm some sort of deadbeat. So I finally get registered online w a user name and password. I went to set up an ACH transfer and the website did not allow me to do it. So I had to call in to Ditech. I was supposed to make 2 payment for a total of {$2900.00}. Ditech tried pulling out {$2900.00} three times which resulted in overdraft fees, lots of phone calls, and lots of irritation. When I set up the ACH transfer on the phone i was told I would not be charged to {$12.00} convenience fee, but I was actually charged it twice. They said they would refund the overdraft fees and the convenience fees but I have n't seen it yet, going on close to a week. According to Ditech my account is past due, not sure what this is doing to my credit score ... Ditech seems to be an aggressive debt collector and not a mortgage servicer ...
04/15/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 78660	Web
I received notice from the United States Bankruptcy court of New York on the face that Ditech XXXX XXXX filed for Chapter XXXX bankruptcy. I have seen on the document that Ditech sent me that the balance of my mortgage is XXXX. I have also noticed that the interest rate that I am being charged is 4.75 % ( which is above the market rate ) and the term is 30 years. I have a concern that after making 3 payments that the actual trial payment for the last 2 months was a total of XXXX per month. After reviewing my records I found that my original payment for the last 7 years was XXXX per month. Based on the payment they have given me I am now XXXX over my old payment. This is not what the modification regulations state, it was supposed to get me an affordable plan and lower then what my old payment had been. Ditech has received XXXX as a partial claim on my FHA mortgage insurance and yet they have made my payment higher then the old payment. I have enclosed an amortized plan using 4.25 % which is closer to today 's current market rate of 4.00 %, I also extended the term from 30 to 40 years which can be allowed as per modification regulations, this reduces my payment by XXXX per month and puts my modification on a permanent basis below my old payment, this is what a modification is supposed to do. When I contacted the Bankruptcy Court in New York and told them about my modification, the fact that you Ditech has received a large sum of the mortgage from FHA ( XXXX ) and that they increased my payment instead of reducing it I was told to send this letter requesting a reduction and to fill out their bankruptcy claim form and include a copy of this letter.I was also told that if my payment was not reduced, i was to activate this claim and send a notice to the United States Bankruptcy Court XXXX District of New York.
04/13/2017	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OR 97233	Web	Older American
XX/XX/2011 I filed a chapter XXXX bankruptcy which included a past due amount on my mortgage. I continued to pay my current payments and also my trustee who paid on the arrears that was supplied to my attorney. During the bankruptcy the lender tried to increase my monthly payment by almost {$900.00}. I continued to pay the same amount I had been according to my attorney 's advice. The lender filed a post petition stating I was not in compliance with the bankruptcy and tried to get it dismissed. At the end of the bankruptcy the lender claimed I owed {$9400.00} but had no idea where that amount came from. The judge determined I pay a final cure amount of {$960.00} which I did and my bankruptcy was discharged. Shortly after the discharge I received information the lender was claiming I was over {$10000.00} in the arrears I contacted them regarding the discharge and they said the previous company that was managing my account had made an error. They were suppose to send me a letter telling me how they resolved the issue. Now a year after the discharge they are saying I am over {$8000.00} in the arrears even though they show I have made all my payments. The problem is that the current payments are being applied to months that were discharged in my bankruptcy. This is the second time I have had to contact them regarding their misapplication of payments and they just do n't fix the problem. I received a letter of mitigation which is usually the first step before they try to foreclose. Di Tech sends you information of who your account representative is with an extension number but when you call there is no option to enter an extension. In order to reach someone you have to set on hold and then they usually ca n't help you and you get sent somewhere else to hold for another hour or more. They have no customer service
07/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 100XX	Web
A loss mitigation package was faxed to Ditech originally on XXXX/XXXX/2016 to start a loss mitigation review. A document request was made on XXXX/XXXX/2016 where bank statements, pay-stubs, and a new letter of employment was requested. XXXX XXXX started working at his employer on XXXX/XXXX/2016. On XXXX/XXXX/2016 a letter of employment stating the first date of employment was XXXX/XXXX/2016, salary, and wage along with his first pay-stub that was received dated XXXX/XXXX/2016 was sent to Ditech. When Ditech was contacted on XXXX/XXXX/2016 they stated that because he can not supply the 30 days worth of pay-stubs they do not have a complete packet. The review was then sequentially closed in XXXX because the 30 days pay-stubs could not be provided for the new job. The review should never been closed over documents that were not able to provide. A new packet had to be sent to them on XXXX/XXXX/2016 with all updated documents. When the lender was contacted on XXXX/XXXX/2016 XXXX XXXX, the representative at Ditech, stated that the account was removed from loss mitigation, they do not have the documents that were faxed on XXXX/XXXX/2016, and they still have a foreclosure sale listed for XXXX/XXXX/2016. The file has been active in loss mitigation since XXXX and they are violating dual tracking. They not ask for documents that are not possible to have and then close out the review to continue with foreclosure. The letter of employment is the verification that they need along with the only pay-stub received that is required and they could have reached a decision but instead they closed the review and are stating they are not receiving documents sent to them to continue with the foreclosure.. Pursuant to Regulation X of the Real Estate Settlement Procedures Act, 12 C.F.R.1024.41 ( g ) they are violating dual tracking.
01/27/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30080	Web	Older American
Hello, my name is XXXX XXXX Current address : XXXX XXXX XXXX XXXX, XXXX XXXX Address of property in Question : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been dealing with Di Tech ( Mortgage Servicer ) Loan number XXXX I was in the process of a " Deed in Lieu " on this XXXX Property Just recently .. I was in process of having the Deed in lieu approved ( As it was expressed to me ) .. the Title was Clear, the Home was Re-Keyed ( By drilling out the Old lock and new Lock Box and entered XXXX I have NO access ..How was this allowed to proceed .. the Cart was before the Horse .. as The XXXX was way above the Norm and I was told that the Deed in Lieu was DENIED .. How can ALL of this occur and it be denied? the XXXX was way above the common Comps for that area .. as I understand it was {$170000.00} +/- and I had Too Much Equity, therefore Denied .. I have not been able to pay on this home due to Hardship ( Which Di Tech has All that info ) and have had it for sale for years at a much lower price, just to Break even .. After all the Hoops I have had to jump thru, and a very poorly implemented process with very inaccurate guidance ..I do n't understand How this happened I request an " Appeal " of this Denial and make Di Tech act positively to this request. I have had a Triple By pass and the Years and last 6 months of stress dealing with this Servicer in attempt to satisfy the needs and process has taken its toll on me Physically. my only recourse ( I was told by DiTech ) was to contact XXXX and request another look at this Whole Deed in Lieu and have it resent with Special Approval to reinstate the Deed in Lieu process my Home phone is XXXX home address : XXXX XXXX XXXX XXXX, XXXX XXXX Please review this request and afford me the remedy I need to complete this process in my favor Thanks in advance XXXX XXXX
05/03/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CT 06611	Web
Green Tree improperly raised the interest rate on my mortgage. The terms of my mortgage contract state that the index is the weekly average yield on the United States Treasury Securities, adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. It also states the most recent index figure available as of the date 45 days before each change date, is the index that will be used to determine the change. The new interest rate will be calculated by adding 2.75 % to the current index and then rounded to the nearest one eight of one percent ( 0.125 % ). The rate will never increase or decrease on any single change date by more than two percent. ( Prior to the reset my interest rate was XXXX. They added 2 % to the 2.875 % and it is now 4.875 %. They did not adjust according to the contract and use the proper index ). Forty five days before XXXX XXXX, 2015 is XXXX XXXX, 2015. On XXXX XXXX, 2015 the index was XXXX adding the margin of 2.75 % my new interest rate should have adjusted to 2.97 % with a new payment of {$900.00}. Not {$1000.00} In addition my escrow account shows that a payment for my hazard insurance will be made on XXXX XXXX, 2015. I have never had an escrow account for insurance or taxes, I pay them myself. On XXXX XXXX, 2015 I called and inquired about this. I was transferred to 4 different representatives, each time having to give my account number and social again. no one was interested in helping me answer my question. They were rude and wanted to know when this months payment would be made. The final person I talked to told me to send a fax to customer service general correspondence, stating I was disputing the change in the rate, which I did on XXXX XXXX, 2015. I also have written a QWR ( RESPA ) letter which will be mailed certified tomorrow XXXX/XXXX/2015.
06/07/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	LA 70115	Web
1)DitechFinancialapparentlysoldmymortgagetosomeentitycalledXXXX2)IwastoldbytelephonethatthetransferwaseffectiveXXXXXX/XX/2019. 3)AsofXXXXXX/XX/2019--aweekbeforethistransfer--therehadbeenNOCOMMUNICATIONOFANYKINDfromeithercompanyaboutthesaleofthemortgage. 4)IreceivedanunaddressedemailindicatingthatacompanycalledXXXXhadtakenapaymentof{$1300.00}. 5)NopaperoremailcommunicationwassenteitherbyDiTechFinancialormyXXXX. 6)SomeatXXXXinformsmethattheloanisactuallyheldbysomethingcalledXXXX. 7)XXXXsaysthattheinformationregardingthistransferoftheloanwasmailedasapapercopyonXXXXXXXX--AFTERthetransferwaseffected. 8)OtherphonerepresentativesatXXXXfranklyseemedtoguessingaboutthewholeprocessofhowtheloanwastransferred.TheyallseemedonlythinlyinformedastowhattheirresponsibilitiesorthoseofDiTechFinancialmightbe. 9)DitechFinancialmeanwhilehasessentiallyasoftodayblockedusasformerclientsfromanycontactwiththem.Accesstomy"former''onlineaccountseemstohavebeencutoff.Phonecallstothecompany--becausetheycantracetheirorigintoourphonenumbers--aretransferredtoXXXX10)Thiscomplaintidentifiesallthreecompaniesasbeingatfaultintheloantransferprocess:DitechFinancial,XXXX,XXXX11)Iamawarethatallofthemmaybesubsidiariesofothercompanies(orfraudulentshellsforsomething). 12)Asanadditionalnote:MyLoanCarehasjustinformedmethattheironlineaccessisunavailableoutsidetheUnitedStates.Iamnotevensurethatiscorrect;butthatalsoseemsunusualandimpracticalinthe21stcentury. Itshouldnotbelegaltotransferamortgagewithoutnotice.Norshoulditbelegaltofailtoprovidebasicinformationaboutthattransferuponrequest.Norshoulditbelegalforafinancialentitythatheldamortgagetoinstantlycutoffcontactorcommunicationwithacustomerupontransferoftheloan.Surelytheyshouldbeobligatedtonotifycustomersatleast60dayspriortotransfer;andtoallowcustomeraccesstoonlinerecordsandphoneassistanceatleast30daysafter.
03/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70816	Web	Older American
I have an issue with my current mortgage company, Ditech. We were one of the folks impacted by the XX/XX/XXXX Flood here in XXXX XXXX. We did and still have Insurance with XXXX through XXXX XXXX. We processed the Checks from XXXX and the money is being held by Ditech. They have been very slow in releasing the disbursements to me in which to restore my house. I found out Monday ( XXXX ) that Ditech maybe selling my mortgage to another Company, XXXX. My fears are confirmed, I have received Notice from Ditech on XX/XX/XXXX. It would appear there are many lawsuits against this company for the same issues I'm currently having with Ditech. I do not Trust Ditech!!!! I really feel like I've been taken advantage of by these loan company practices, and at XXXX years of age I feel like I should not have any issues with getting my money to restore my house! I've been an employee of XXXX for over 40 yrs. What I would like is some direction on how to proceed with getting my Insurance Claim Money so I may finish restoring my house. I am also fearful that my Insurance Money that is being Held by Ditech will get LOST in the Transfer to XXXX, or worse, that Ditect Maybe trying to Keep My Insurance Money. I have Tried Contacting Ditect Many times since the XX/XX/XXXX Flood. They will not Email me any information, all I have received from them are Form letters asking for the same thing over and over again, For Example : A Form to verify my address! Makes no sense to me since I have given them that form already! The Forms they send to me are at my Address, which they are asking me to provide to them! I would be happy to send any pictures of my house during the renovation or if anyone from any office or agency would like to come and inspect and take pictures, that would be welcomed. Respectfully, XXXX XXXX
12/23/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95240	Web	Older American
I have reapplied with Ditech for a loan modification and was just told that they can not stop my sale date for XXXX/XXXX/XXXX because they needed my paperwork updated since mid XXXX. I had sent in an updated package on XXXX/XXXX/XXXX later to learn that the fax number they gave me to fax my documents to takes up to 10 days to update on their system. I was given a different fax number on XXXX/XXXX/XXXX to which I sent in my package again and was told that it would be looked at within 24 hours. I called on XXXX/XXXX/XXXX to check on the status and was told by XXXX of the account managers that she would forward the paperwork over to the appropriate department so they can see if the could postpone my sale date. I called again on XXXX/XXXX/XXXX for another update and was rudely told by a supervisor on why I was requesting a sale date. I told her that I wanted to request a postponement because I had submitted all the required documents for a review and she rudely said that they need 37 days. She asked me repeatedly why I wanted a postponement, speaking to me rudely and as if I was bothering her, and I said because of the modification documents that I updated. I then asked if she could send me a decline letter stating this information because I honestly did not believe her by the way she was talking to me. I asked if she knew what date that they were going to mail the decline letter out or if XXXX had been generated and again she did not know and she sounded like if she was just making up an excuse not to review the file. I did n't argue with her but I honestly think that Ditech just wants me to lose my house or that the rep I spoke to was having a bad day and just did not want to help. All the previous reps I had spoken to did not mention that a postponement could not be granted given that my file is complete.
07/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08053	Web
More problems with my mortgage servicer - Ditech Financial. Last month ( XX/XX/XXXX ) I went onto Ditech 's website to pay my mortgage. The statement showed that I had a late fee ( for what? ). I spoke to them and there was no explanation re why there was a late fee. The rep I spoke to had, " no idea '' why the fee was on my account, but assured me that I did not have to pay the fee - it had been " waived '', I was told. I received my current statement - now they 're billing me for 2 months of mortgage payments. The statement also says that my account has a {$990.00} amount shown as " funds in suspense. '' Again, there is an {$82.00} fee/charge added with no explanation. There is no note, letter or anything on their websit that explains the charge. The statement notes my {$990.00} payment made in XX/XX/XXXX, but the amount is not shown as a payment received for XX/XX/XXXX. The statement says that I owe them for 2 months {$1900.00} - that includes the mortgage payment for XX/XX/XXXX and XX/XX/XXXX and also includes the {$82.00} mystery " fee '' that has again appeared on my statement. My bank statement, of course shows that the full mortgage payment amount was taken out of my bank account. My money is in their bank account, but not credited to my account. This is the third problem that i 'm having with Ditech. A consumer has NO SAY in who services their mortgage account? Most consumers largest expense, their home mortgage, is handled by just any company? Ditech should be closed - if I messed up my money like they mess up my mortgage account, i 'm sure they would be right on my back about it. I guess a huge fine ( again ) is n't forthcoming. Since I am compelled to accept them as my mortgage servicer, they should be held accountable and fined, over and over, if neccesary, until they get things right.
09/07/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	KS 662XX	Web
I have a loan that has been purchased by Ditech. I recently received an escrow analysis that projected that my escrow for taxes and insurance will have a shortage. The have added XXXX of the false shortage to my monthly mayment. For 19 years there has never been a shortage and I have received a refund on my escrow account a couple of times due to their incorrect analysis. As long as I make timely payment, there will never be a shortage in the escrow during the next 12 months. Ditech has projected a shortage in the amount of " cushion '' they want in my escrow account. I understand that Ditech may keep require a cushion equal to XXXX of the total amount of items paid on a yearly basis. However, Ditech has purposely created a false date for payment of my taxes for purposes of creating a " cushion '' shortage. Specifically, my taxes are due in XXXX. Ditech has confirmed that my taxes are due in XXXX and have been paid in XXXX for the life of the loan. However, Ditech has imposed a false date of a " Projected '' tax payment in XXXX. This false projection date has been created to develop a " cushion '' shortage of less than the XXXX cushion allowed by RESPA. This allows Ditech to collect additional money for my escrow account that will never be needed, and exceeds the XXXX cushion allowed by law. I am confident this false " Projection of payments '' analysis is not isolated and is imposed upon all consumers of who have loans with Ditech who pay escrows to cover taxes and insurance, through a Ditech escrow. This allows Ditech to acquire millions in dollars in interest on escrow accounts that are not required or permitted by RESPA. RESPA has imposed limits on escrow funding to prevent this abuse. Please investigate this complaint on behalf of my account and others similarly being financially abused by Ditech.
11/25/2015	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	IL 601XX	Web	Servicemember
XXXX and XXXX XXXX lives at XXXX XXXX XXXX, in XXXX, IL XXXX. XXXX XXXX XXXX is our mortgage company since 1999. XXXX and I paid mortgage payment on our home on time 20-years, until the predatory lending took place 5-years ago. We tried to get a modification from XXXX XXXX XXXX, and they did not offer it to us. We went to XXXX, and battle with XXXX XXXX XXXX until, XXXX and XXXX XXXX filed our chapter XXXX, with XXXX, three years ago. We were told to move out of our home, we did for an entire year. After a year of renting in XXXX a apartment, We were asked by XXXX XXXX if we wanted to move back into our property and we told our attorneys at XXXX XXXX we would. XXXX did not tell us we were reaffirming the debt owed on the property of {$63000.00} dollars, that was added unto our mortgage after moving back into our home a year later, and after filing a Chapter XXXX on the property three years ago. So, XXXX XXXX XXXX added the {$63000.00} dollars on our mortgage, then sold our loan to Green Tree Servicing LLC/DITech. The Green Tree Servicing, LLC/DITECh, added unto the {$63000.00} dollars, along with {$81000.00} dollars more that exist on our mortgage now, even after hiring a second set of lawyers, The Law Firm of XXXX XXXX on the south side of XXXX. Gree Tree Servicing LLC/DITech, will not defer our payment to get a lower monthly mortgage. I XXXX XXXX is not working, my husband is the only XXXX working, XXXX XXXX and he is a veteran. XXXX XXXX XXXX wanted to switch XXXX and I to a HARP program after we asked the law firm too, but Green Tree Servicing LLC/DITech mortgage company refused to lower our monthly mortgage along with adding a additional {$500.00} dollars unto the {$1400.00} monthly mortgage that we are paying even now, and yet still not signed up with the HARP program for a lower monthly mortgage.
08/07/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC XXXXX	Web
Harrassment, slander, unfair deceptive practices ALL of the following is documented by me with Ditech names, dates, and conversations. I have done nothing wrong and have worked intensley, on my own, resolving Ditechs own deception. It began in XX/XX/XXXX with my deferral request approval but with most recent deception in XX/XX/XXXX outlined here today. Regarding the latest deceptive practices by Ditech. I myself phoned them in XX/XX/XXXX when I noticed that my XX/XX/XXXX check payment of XXXX which was sent out on XX/XX/XXXX had not cleared my checking account. Ditech claimed during phone convo that they " did not have my XX/XX/XXXX payment ''. I advised them that the check was mailed out on the XX/XX/XXXX. They somehow managed to locate my mailed check one day before my 15 day grace period was up. I was then advised by Ditech that they did not have XX/XX/XXXX payment! in amt of XXXX. Though it had cleared my checking account, their accounting did not acknowledge nor document my XX/XX/XXXX payment. So.. I took it upon myself to print a copy of the XX/XX/XXXX payment cancelled check # XXXX dtd XX/XX/XXXX in amount of XXXX and send it to them. They recieved my proof via email and verbally acknowledged receipt of the XXXX payment. However, they have yet to document this payment and it is now XX/XX/XXXX! Throughout their deception and confusion they suddenly changed their tune and phoned me twice, XX/XX/XXXX & XX/XX/XXXX, to tell me the same thing each time. That " they haven't found the check and are working on retrieving it from their insurance dept where it was mistakenly sent by them and my account will then reflect payment '' as it still is not showing posted to my account! That was over a week ago and still nothing is fixed by Ditech and it is now out of my hands, completely. Thanks, XXXX XXXX XXXX
04/12/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	CA XXXXX	Web
The company did address the fact that I have a loan modification in place that they have not been horning, they promised to send me copies or proof of my payments being return with a detailed accounting of the payments not a payment history which shows I have made payments in for XX/XX/XXXXand XX/XX/XXXX yet I can not report any mortgage interest for tax year of XX/XX/XXXX as it states I have not made payments yet the history clearly shows I have. However, I do not have the return payments that are in question. I would like to know why we have so much of conflict with my payment history when I am not 670 days past due as the payment history shows it. My payments per month per the loan medication issued in XX/XX/XXXX by XXXX is for {$1300.00} I have been making payments for XXXX. In summary I am very disappointed in the level of service and communication regarding my account with Ditech, I have called numerous times and have not gotten a call back, I have sent in the loan mod paperwork and have been approved for a loan mod that your company will not honor and did not have record of until I sent it but yet do not acknowledge it.. In Summary, This is a wrongful foreclosure process and proceedings, and I am disputing being 680 plus days in default.. It is not my fault the company DITECH did not know I have a loan mod that was approved by XXXX/Green tree. I am also disputing the said re instatement balance owed based on the fact that you have not proven where my payments are that have been sent for the last Year and half, and have not updated my mortgage balance with the correct amount owed as you did not have record of my current loan mod which is in question. Please stop this wrongful foreclosure and place my loan back into a payment status with the correct bal. please your co operation is appreciated.
05/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CO 80918	Web
I had a mobile home in XXXX - and moved west to XXXX. I had XXXX different people lease purchase and each one progressively destroyed the home more and more. I could not continue managing it and could not afford to fix it so I did voluntarily surrender the mobile home back to Green Tree. This was around XX/XX/2011. After they picked up the trailer a man called me and said I then owed them XXXX dollars and how would I like to pay it. I explained financially there is no way I could pay a lot. I agreed that day to XXXX/month. He told me they would review again in three months. I talked to that same man again three months later. He cautioned me to never miss or be late with a payment and I have not been late or missed since that time. Over the past year Green Tree Collections has become more and more aggressive and I stopped answering their calls. I am called in excess of XXXX times a week often more than XXXX time per day. I live in MT and I am called before XXXX even though I have told them my time zone. The last lady I physically talked to several months ago - asked me " what are your intentions '' I told her I intend to do the same as I have done for four years and continue to make the payment. She told me " well that is not an acceptable arrangement. '' I explained they have accepted it for several years now and continue to accept it. She began yelling at me - I hung up and will no longer answer their calls which are frequent and feel like harassment. Additionally I have NEVER received one thing in writing from them - nothing - since the repossession, until I filed a complaint with the credit bureau because Green Tree was not showing up on my credit at all - now it shows as delinquent and in bad standing even though I am paying what I initially agreed to and I will continue to pay what I agreed to.
03/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44256	Web
I pay my mortgage electronically I usually add an additional XXXX for principle payment every month. I paid and extra XXXX to principle in XX/XX/XXXX and noticed the payment wasn't applied correctly even though the system and payment method was abundantly clear when I submitted it online. I called to have to payment reallocated and asked them why it wasn't applied correctly they told me the system had a glitch and said since the payment was over a regular payment amount it just future pays instead. I let is go because I don't normally pay that much every month. I decided I wanted to try and start applying an extra XXXX every month I could so this month on XX/XX/XXXX I did that. The system once again applied it to future payments even though I clearly applied it correctly as stated in the correct fields in the online system. They are being deceptive in the practices for payments to hope that clients don't pay attention and they get more money towards interest verse the clients expectations on the principle balance they are trying to pay down on. I shouldn't have to call every time I pay extra and have them fix it. This is a shady company in my opinion. I want all my online payment to be applied correctly. The system states it can be applied up to XXXX so I'm not sure why it's not. When I call they say it's a glitch or I'm not applying it correctly and that is not the case. My email receipt reflects exactly how I applied it. But some how when I see how it was actually applied it's future posting and not being applied to principle. This is very deceptive. Please look into this and help find a resolution so every month when I apply my extra money to be rid of the shady company I'm not wasting my time calling every month to have my payments fixed which they hope people won't look so it's in their favor.
03/22/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 60115	Web
I am the attorney for XXXX and XXXX. Ditech apparently is the servicer and/or mortgage owner of the mortgage against their house at XXXX, IL, XXXX. There was previously a foreclosure against my clients, Case No. XXXX in XXXX County, Illinois that was dismissed in XX/XX/XXXX. My clients filed a personal Chapter XXXX Bankruptcy, Case No. XXXX which was discharged in XX/XX/XXXX. In late XX/XX/XXXX, the mortgage lender, Ditech 's predecessor, entered into a Temporary Loan Modification pursuant to HAMP rules because their mortgage was backed by XXXX. To make a long story short, on XX/XX/XXXX, Ditech assumed responsibility for the mortgage loan, and sent my clients an offer loan modification by paying {$1300.00} a month at 2 percent interest, which they accepted by signing and notarizing the agreement with the required payment on the due date. Ditech and or any other lenders in interest gave up their right to seek foreclosure by accepting the payments and agreeing to dismiss the foreclosure lawsuit, XXXX. My clients gave up their right to pay nothing, as the debt had been discharged in a Chapter XXXX bankruptcy. There was a legally binding, contractual loan modification entered into between my clients and Ditech as of XX/XX/XXXX. Every month since XX/XX/XXXX ( and during the trial period from approximately XX/XX/XXXX through XX/XX/XXXX ), my clients paid the required amount under the contract by Ditech 's own records. Since XX/XX/XXXX, Ditech has sent my clients numerous letters saying that their loan is in default, and demand payments of large sums, demanding my clients sign a new loan modification with twice the interest, and/or threatening to foreclose and take their home away. But our screenshots of Ditech 's own records demonstrate they are not in default, and Ditech is in breach of the agreement.
09/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33175	Web	Older American
My loan has been serviced by Green Tree Servicing for over seven years, they just changed the name to XXXX but their customer service shows no improvement. My HO insurance premium is due on XXXX XXXX of each year but every year they pay it upon receipt of the insurance company bill, usually thirty to forty five days ahead of time and if I need or want to make any changes to the policy or go with a new company I must cancel the policy, wait fifteen days for a refund from the insurance company, return the refund to Green tree and in the mean time get another policy and pay it with my own money because the escrow at Greentree has already been debited for the premium. I have asked them to please allow me a few days to review the policy several times, the last time on XXXX XXXX, 2015 via email and I received an acknowledgment to my email on XX/XX/XXXX. Today, XXXX XXXX, 2015 I received an unsigned letter from customer service denying my request. I have contacted the Florida Division of Insurance on this issue and banks and loan servicing agents DO NOT HAVE TO PAY UPON RECEIPT way before the renewal date from the insurance company bill. I am a retired accountant who worked in Banking twenty five years and I know that Green Tree/XXXX is not being truthful. They display the utmost disdain for customers in terms of reply time and customer phone service. Please see if you can help me, they are hurting me financially by forcing me to pay a new policy out of my own resources in addition to all the paper work created by cancelling a policy, getting the insurance company to refund me the premium, having me return the premium to Greentree and then waiting until they pay the new or modified premium. By golly, if this is not stupidity I honestly do n't have a word for it. PLEASE HELP ME. Thank you so very much.
03/10/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 978XX	Web	Older American
Our original Mortgage was through XXXX. They were picked up by XXXX, then passed on to Greentree ( XXXX ). They got into trouble and was picked up by Ditech. When Greentree acquired our mortgage I was at a XXXX with my wife and out of the loop for over 60 days ( XXXX to XXXX ). I continued sending our payments to XXXX, they in turn sent the payments on to Green tree. Greentree jumped our payments, stating our Escrow account was delinquent. It was not, but we sent the extra amount without question. At the end of the year they had to return the overage back to us, some {$920.00} by federal law. Ditech tried the same thing about the Escrow account. We ignored the the request because we had received some {$1400.00} with the understanding it was an overage to our Escrow account from Greentree. We continued sending our original amount and have never been late nor missed a payment to Ditech. Ditech and Greentree tried to force us into refinancing by threatening foreclosure. We were referred to XXXX. We would have been approved and charged {$3000.00} and returned to Ditech as our mortgage holder. We refused the loan and continued to make our original payments. About 2 months back we received a package in the mail to reduce our payments from the original amount of {$630.00} to $ XXXX and adding the famous {$3000.00} to our $ XXXX amount left on the mortgage. We called for a final payoff and found Ditech had jumped our mortgage by {$3000.00} without our approval. We have been sending our payments of {$630.00} registered with a return receipt to prove we did not approve their offer. We have sent a complaint to Oregon Dept. of Justice and to the state agency that approved Ditech to operate in the State of Oregon. Copies of our complaints will be sent to your org. in a later submission due to scan problems.
05/27/2015	Yes	Debt collection Mortgage	Communication tactics Called after sent written cease of comm	CA 94521	Web	Older American
Cease and decisist violation is XXXX issue along with a refusal to consider important aspects of my situation. In mid 2009, when I was still current on my loans, XXXX XXXX and the associated financial problems forced me to request the lender to restructiure my with XXXX Bank. This was a proactive request made in anticipation of future buget problems. There has never been a response to this request for restructuring the loan. In spite of sending the letter by Certified Mail, First Clss mail and FAX, I never received a reply. XXXX months latter I sent a follow up to those lender. I have never received a reply and the home went into foreclosure. Because my XXXX demands that I live in a single story home it had been my intent to move into this home. Now, because of the foreclosure I lost both this property, my credit rating and have been forced to spend more than {$35000.00} in construction costs to make it possible for me to live in my XXXX story home. I ca n't go upstairs and, because of my ruined credit rating it would have been very difficult to get a new mortgage. The XXXX reported that XXXX XXXX XXXX Solutions purchased XXXX XXXX loans for XXXX cents on the dollar. In response to the aggressive regotiations and harassment by XXXX XXXX when attempting to force me to settle, I seved by cerified mail a Cease and Desist Order. Presumably my loan and file were then sold on at another discount to Green Tree Services. Again after negotiating in good faith I had to point out that a cease and desist demand is in my file. They have never provided documentation to show that they actually owned my loan. As a remedy to their refusal to acknowledge the fact that I had been financialy damaged I urged them to have the matter heard by a judge. They refused and XXXX XXXX said 'That would never happen '.
05/18/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MA 023XX	Web
We bought a house XX/XX/XXXX, for XXXX with a XXXX and a XXXX mortgage. We refinanced to get out of a 2-year ARM and increased the amount of the second mortgage. XX/XX/XXXX, the economy went south and my husband who is XXXX as a XXXX, suffered setbacks with his XXXX but also with his health, needing a XXXX. I lost my job and got a new one, but lay-offs meant that I had to look for work again. We struggled to keep our house and became delinquent with the XXXX mortgage on XX/XX/XXXX. We have been through XXXX loan modifications, and we knew that we should concentrate on the XXXX mortgage so as to keep our home. We do not want to file for bankruptcy, and we want to keep our home. We did not make any payments on the XXXX mortgage after XX/XX/XXXX. Greentree, also known as XXXX sent us a letter dated XX/XX/XXXX advising us that the statute of limitations has run out. XXXX, their debt collector, sent us a summons with a letter dated XX/XX/XXXX to court for XX/XX/XXXX to appear before a judge over the debt. I thought that when the statute of limitatinons has run, that XXXX are to stop pursuing the debt under the law. I am afraid to contact them because any communication with them may be seen as an admission to the debt and revive the debt with respect to the statute of limitations. Greentree continues to send us a bill for the debt, hoping to trick us into making even the smallest payment in order to revive the debt with respect to the statute of limitations. XXXX sent us a letter that tries to get us to pay something in lieu of going to court, but that is also in order to revive the debt. I don't think they should be allowed to try to trick homeowners into thinking its safe to pay a little without informing the homeowner that it will make them fully liable for the debt for another 6 years.
10/02/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 34601	Web
Our house burnt down on XXXX/XXXX/XXXX in the middle of the night. We only had the forced mortgage insurance because XXXX cancelled us. My issue is : We received a payment from the insurance company for XXXX and we owed XXXX We received the check and decided to send it to the mortgage company to pay off the balance of the loan. Ditech is foreclosing on us, so now with the attorney fees they are stating that we owe XXXX. They still haven '' t even applied the XXXX towards our principle balance and they are still charging us monthly for homeowners and flood insurance on a house that had been condemned through XXXXhe county. I even received a call a couple weeks ago asking if I wanted to make payment arrangements for the past due balance of XXXX. I explained to the rep that I sent them a check for XXXX a year ago. The rep looked further into it and say the payment. They did not understand why and would open up a inquiry but t hey always are saying that to me. We can not afford a lawyer. We are on 1 income with XXXX XXXX daughters. My husband is having serious XXXX issues and other health issues. Please HELP!! We are in desperate need of it. We already lost everything in the fire because the insurance only covered the dwelling. ( Not the contents of the house ) The fire was a total loss. You can XXXX my wifes name XXXX XXXX and see when XXXX XXXX came out and asked to take pictures of the house the day of the fire.The county came and tore the house down and is now charging me. Charges are listed below. The cost that will be owed if paid by XXXX XXXX, XXXX is below : Title search : {XXXX Demolition : XXXX Administrative : XXXX TOTAL XXXX PLEASE PLEASE SEE IF YOU CAN HELP. WE DO NOT KNOW WHO TO TURN TOO. ALL WE WANT IS OUR PROPERTY. I can be reached at XXXX. Thank you, XXXX and XXXX XXXX
05/26/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19027	Web
I am disputing the delinquent balance on my home loan due to money mismanagement on the behalf of my loan servicers. I n XXXX XXXX XXXX , I re ceived a loan modification from XXXX XXXX XXXX . The loan modification agreement was to change my home loan from an adjustable rate to a fixed interest rate. I n XXXX XXXX XXXX , XXXX XXXX XXXX was now the new servicer and I was making my payments of XXXX which was for principle and interest. I was responsible for paying the real estate taxes and homeowners insurance separately. On XXXX XXXX , XXXX XXXX XXXX started charging me a fee for the city taxes. I disputed the charges with XXXX XXXX XXXX and the XXXX XXXX XXXX . I continued to make the required payments of XXXX . XXXX XXXX XXXX XXXX XXXX XXXX started sending me checks for different amounts. I sent the checks back to XXXX XXXX XXXX with a letter stating their error in posting my payments in a timely matter. This went on for two years. On XXXX XXXX XXXX , I received a letter that GreenTree will now be the new servicer. Once Greentree received my loan, I started being harassed by their collection department calling stating I was delinquent and dem anding that I send a check to bring my loan current. On XXXX XXXX XXXX , my loan went into foreclosures status. I continue making my pay ments but they were never credited to my home loan. Greentree held my payme nts form XXXX to XXXX and the money was never taken from my banking account. GreenTree d id return all of the payments that they held. When I spoke to a representative, I was advised to stop making payments unless I make a large payment to bring my account current. I had no communications with the servicer.
05/08/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23324	Web
I submitted a complaint prior to the practice o f Ditech and received nothing to say if a case was submitted. Ditech has been conducting unfair collection practices on a loan that has never been in default. Until XX/XX/XXXX Ditech was receiving payments eve ry 14 d ays and not applying payments to principle or payments- they allege that the payment sent ( whic h was {$500.00} every 14 days ) was a partial payment and that their policy is to hold partial payments until full payments are received to apply. They never did that. They were called every 2 w eeks from XX/XX/XXXX to XX/XX/XXXX when payments were not being applied correctly causing late fees to be assessed. After involving the IRS and XXXX XXXX they reallocated the funds from the start of the loan. On XX/XX/XXXX , I spoke with a director and a representative from loan processing and told my loan was prepaid until XX/XX/XXXX However, when the re- allocation was done, it was done incorrectly causing the loan to go in default. This prompted a visit from a Ditech representative leaving notice on my door on XX/XX/XXXX and to receive to collection notices on the XX/XX/XXXX and XX/XX/XXXX - I urge you to refer to recent compliant filed on XX/XX/XXXX - XXXX . As of recent, my mortgage insurance company contacted me to make me aware of c hanges made to my coverage. They sates and supplied that mortgagee now reflects Ditech Financial LLC, its affiliate, and or Assigns. An ainquiry was immediately sent to Ditech because in XX/XX/XXXX Ditech sent a privacy letter stating that my social security number could be shared with any of their affiliates. I immediately served a cease and desist of disclosing any of my personal information only to XXXX XXXX the owner of the loan and no one else.
07/31/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA 99336	Web
The current servicer of my mortgage loan ditect finicial has refused to provide the mortgage servicers number and office or person of contact in the state of hawaii in accordiance with hawaii state law for mortgage servicing companies. Has failed to address issues with mortgage documents. XXXX different sets provided by them to me XXXX with a stamp of XXXX XXXX without. Have failed to provide orginial ink signed documents that would show that the XXXX page arm note isnt forged. They where and have been rude on the phone threatened to hang up. Said that my credit will be damaged and they intend to do so. They have failed to address any concerns I have as borrower. They continue to send bills even though it is in foreclosuer and no acceleration letter was sent in the first place. They have failed to provided me contact information of the lender to this loan. They have failed to provided if there is even a lender. That they should contact XXXX and address that a trustee foreclosing on the property is not proper as a trustee is not a lender and cant provided or attempt an alternative remmeedy to foreclosurer. Have failed to discuss by phone or in person what alternative solutions there moght be and what those entale as to credit score, pay back, pentalties, ect. That sending paper work to fill out after XXXX doing the same. That they have the ability if the loan is paid off to give me free and clear title not just someone saying that o yeah we can but actuall proof. They never have provided notice of interest rate increase and reason or proof to why it has increased but they have just raised it. Continued slander and deffermation to my character, credit score and worthiness, and abolity to aquire normall living standards due to the impact of this forecloser and credit reporting of deliquency.
04/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 601XX	Web	Older American
FRUSTRATION SETTING IN! Defaulted on my mortgage due to unexpected loss in income and eventual job loss. Loanowned by XXXX XXXX and unfortunately the servicer was XXXX Bank and nothingwas no modification was achieved due to XXXX 's delays and poor servicing procedures. I requested Unemployment Forbearance, but my request was never acted on. All of XXXX and half of XXXX passed and then I was notified that servicing was being transferred toGreen Tree LLC. ( non bank servicer ) Again starting all over with request for creativeloan modification, extension, mortgage principal reduction, lower interest and longer terms. Told " Not Eligible for : Hamp ' because my account was originated after XXXX XXXX, XXXX. Only eligible for Freddie Mac Standard Trial Period Plan. According to the Trial Planpayments are required to be between 10 % and 55 % of our gross monthly income. Ourpayment was to be 39.93 % of our gross which was calculated to be XXXX. This wasnot manageable and was actually higher than my original mortgage payment before ourdefault. We do have income and response was " Why not 10 % of our gross which wasmanageable. My suggestion fell on deaf ears at Green Tree. This and mortgage principalreduction is what we need to remedy our situation and avoid foreclosure. I have yet tosee a Modification offer which really reduces our payments either temporarily orpermanently. I am worried about " dual tracking ' and having to many single point contactswho really have no power to solve the situation. I hope that XXXX XXXX new program '' MyCityModification '' will include mortgages with a value over {$250000.00}. Our currentprincipal balance is {$280.00} We are in XXXX XXXX. I believe each personsreasons for default differ and each should be dealt with on individual basis to helpavoid foreclosure.
09/22/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77042	Web
How it started ... .. I have questions regarding my mortgage ( non escrowed ) account. Ditech established an escrow account by paying a school tax early XX/XX/XXXX - {$570.00}. I have always paid those taxes at the same time every year and never had an escrow during the duration of this loan. After the Escrow was added, I was told I could remove the Escrow by paying the balance of the Escrow ( plus tax and fees ) and drafting a letter stating the request to remove the Escrow. The Escrow payment was made, then I received a letter stating I had an Escrow Surplus and Ditech returned money via a check. I have had over 12 different account managers during the process of attempting to remove the Escrow, and received numerous denials citing " payments have been 30 days late '' or " Funds have been advanced on your behalf ... '' after being assured that the last money pay off the Escrow could be Reallocated and removing the Escrow would not be a problem. I have appealed the denials several times. My Problem ... I need an Audit of my account. I believe my payments are being applied to a different account. After GreenTree changed to Ditech my payments have been shown as delinquent by the Ditech computer system. Even though I submit an electronic payment and it is received and posted to my bank account Ditech sends a delinquent letter. Ditech will not allow me to remove the Escrow. I have never been late in the last year. I was granted a Forbearance due to Hurricane Harvey, and continued to make timely payments to my mortgage. Ditech also added other fees which I paid in full so that I could remove the Escrow. I need a dedicated Ditech Account manager for the duration of the loan and I need to pay off the mortgage asap because Ditech has been the worse and most stressful experience of my life.
06/24/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 78239	Web
I move in a mobile home in XX/XX/2014. The person I be lived to b buying took my XXXX. Down pmt. An return in XXXX months asking me to catch up on pmt. I realize he was not going to sign the general warranty deeds I drew up.a greentree workers shows up XX/XX/XXXX. Telling me what I need to pay r get out of the home. I explain to XXXX the deal XXXX XXXX made with me an. I would b willing to pay XXXX a month just give me a blance to start.i recived calls that were rude as if I was a child. Anyway I agreed to send XXXX post dated cks. After the first pmt. I gave to them in person of XXXX they refuse to send me a invoice .so I am thinking whom an what am I paying for. After talking with them I find out this owner has been dead XXXX yrs. An I will never get a title to move it without lots of loops. Now they r demanding pmts. After I brought the pmts current. I have not sent a pmt. Until I get records for me saying what I owe an why I am being over charged an charged for ins. I was not the one whom started this mess an I do n't plan on being left clueless. Like I told her I been here lil. Over a yr. An I only have to envoies mailed to me. XXXX yet making pmt. Thru my bank r cks.she tells me they been mailing them but they were in XXXX. I told her I could not open his mail just like her asking me to post date XXXX cks. She explain I pick a date an send them an she will enter them each month. Now I am late with fees an no paperwork to describe what I will own.very upsetting to me as a single parent trying to b productive an grow in life yet. They r allowed to tell u get out r make a pmt. I think I am ready to take action to avoid more troubles.can u help? I have talk to many workers yet they tell me they can not give me information on the loan an expect to b payed. I am clueless not a dumb.
11/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 184XX	Web
This complaint pertains to a previously made complaint case number : XXXX filed on XXXX XXXX, 2016. Today I have been trying to access the response on your website because the account has been disabled. During this past week I had a phone conversation with your office during which time they read the response offered by Ditech. I submitted an answer to their response on the following grounds : 1. their answer did address the money over and above my regular monthly payment which was paid over the course of approximately one year to reduce the principle. 2. my son, who has a XXXX became involved after multiple calls to Ditech to address our concerns was not satisfied. We were constantly shuffled around and told we would receive a call from a " supervisor ' that never happened. My son was able to procure an exel spreadsheet not shared with us before. My son and my wife both heard the ditch employee state that it looked like " the account numbers had been reworked numerous times and it did n't look normal ''. We are in possession of this exel document. There was {$7700.00} in " suspended balance '' that was never applied to the principal as intended. This amount suddenly disappeared in our most current statements. They answered that the money was reapplied to the principal. the principal on our statements has clearly not reflected this money. At the very least, they have forced us to pay interest on an inflated principal. Please note that if we are not addressing this with the correct department, we would appreciate a direction in which to go. Ditech will not meet with us because they say " they have done away with personal meetings ''. They have told us a supervisor would contact us in 6-10 days on at least 2 different occasions and now 6 weeks later, we are still waiting for the call.
11/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95820	Web
Certified mail sent to Di Tech on XX/XX/XXXX concerning my payments of {$870.00} which are not behind as they have been claiming. I have not missed any payments except one in XX/XX/XXXX which has been paid for quite some time now.. Ditech keeps sending me letters saying I still owe random amounts, like a past due of {$1000.00} on statement, XX/XX/XXXX ( it changes monthly ) yet there is {$4600.00} sitting in my escrow account. My taxes are {$1000.00} paid twice a year and are current. My insurance of {$360.00} is being already prepaid for XX/XX/XXXX. Taxes and insurance were on an impound account since the loan began in XXXX and started with an overage. They are collecting forward to XX/XX/XXXX and claiming I still owe them, yet they are collecting from my impound account monthly. My bk XXXX forwarded them {$3400.00} into my escrow account. After all this they apparently are raising my mortgage to {$1000.00}. I am on a fixed 4.00 % rate for 40 years. It looks like my monthly impound of {$120.00} was applied incorrectly. On a statement dated XX/XX/XXXX it shows {$120.00} as being on ongoing deduction from the balance rather a credit it shows the amount climbing with a negative balance of {$120.00} which should be a positive. My payments were {$750.00} up to XX/XX/XXXX about the time they took over my loan from XXXX. I was in a BK XXXX since XX/XX/XXXX and it was discharged in XX/XX/XXXX. I was told by a DiTech Representative that {$3400.00} was sent to them on XX/XX/XXXX from my trustee into my escrow account. I requested the money returned or applied to my mortgage but to now say that I still owe them money and am behind is harming my credit and stressing me out! I would appreciate your correspondence for any violations and your help in rectifying this ongoing payment issue.
08/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 080XX	Web
I am a homeowner in N.J. and eventually had my mortgage sold to Greentree Mortgage. Almost from the start I had problems. My monthly payment went up so much that I started to, and continue to struggle. When I would ask why it went up considering neither my taxes or INS went up, I was told a different answer from each person I spoke with until the last person I asked told me that I have a " floating escrow '' and so sometimes they will make my payment higher to satisfy this ; mind you, I have always had a fixed rate. I asked how they could do that and they said Every company does this. Well I asked a friend in the business and she said there 's no such thing. I was continuously harrased by very rude, harsh, and sometimes mortifying phonecalls that actually brought me to cry if my payment want made by the first. I have never ever been late on a payment yet they have in their records that I was once and told me it was on my credit report. I was also charges every month for years a {$12.00} convenience fee for my payments and was told unless I mailed my payment in I had no other options ; that want feasible due to me nit always having enough until the end of the month. I tried to leave them several times but was unsuccessful. I looked on the internet and constantly found similar complaints about this company and today I came across some sort of settlement from a lawsuit but it was from 2015. Recently they were supposedly bought by a new company called Ditch but I believe it is still Greentree, just under a new name. I need to get out of this company but do not know how and I believe they have stolen money from me for years but I do not know where to turn. I am desperate and need help so if there is anywhere you can direct me to start I would be extremely greatful. Thank you so much!
11/17/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 783XX	Web
My mom had less than 9k left on her mortgage. At that time she suffered for XXXX of XXXX XXXX. She fell behind on her payments. A representative from Ditech came to the house to take pictures for foreclosure. I asked if I could help in catch up with the late payment which equaled under 2k. I offered to pay double payments a month beginning that month. I was told I couldn't do that and had to get a loan modification to stop the foreclose. I sent the paperwork about 7 times and I always got the runaround. During all these attempts, they continued to add up the months I wasn't allowed to make payments because of the modification process. They then foreclosed and sold the house to themselves in an auction that didn't happen. Now they offered to sell me back the house for 4x the amount originally owed. I was willing to do it to keep my mom, which now has XXXX, at home. I was told to get a co-borrower to ensure being granted the loan. When I told them I was having to do it alone, they took the application and within a day told me I didn't qualify because of my credit. So I asked if i could reapply with my long time boyfriend who had better credit than me. I was then told they don't accept co-borrowers. Now they served us an eviction citation and we have court. The judge granted me a continuance to help me find help. The day it was granted, a representative from ditech came to the house and told me to start packing because they were putting my stuff on the street the morning after our court hearing. He also said he recommends I find somewhere to take my mole and start getting her adjusted to new surrounding because of her condition. My mom was done wrong by this company who has a track record of XXXX over their clients. Now all I can do is pray for a miracle or we will be homeless.
11/30/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 90631	Web
My mortgage servicing was sold to Green Tree/Ditech as of XXXX/XXXX/2015. I made my XXXX payment to my prior servicer XXXX XXXX XXXX by XXXX/XXXX/15, before the cutoff date of XXXX/XXXX/15 for the servicing transfer. My loan was transferred as of XXXX/XXXX/15 and when the loan was boarded, my escrow portion of my XXXX 2015 was missing. I contacted Green Tree on XXXX/XXXX/15 when I was making my XXXX 2015 payment and noticed they were showing me as delinquent. I put in a dispute on XXXX/XXXX/15 and as of today, 60 days later there has been no resolution to my dispute and Ditech is showing me as being late and have started to charge me late fees. I sent proof that I made my full payment for XXXX 2015 ( copy of my bank statement showing the full payment posting out of my account as well as a copy of the last statement I received from my last servicer, XXXX XXXX XXXX, showing that I paid the full XXXX 2015 payment and that my next payment was due for XXXX 2015. ) 60 days is far more than enough time for Ditech to verify I made my payment and bring my loan current. I have called XXXX times since XXXX/XXXX/15 and have not received any resolution from Ditech except a couple of letters after I called, saying they are still researching the dispute. Every time I call the representatives or supervisors ca n't give me any information except that they are still researching the issue. Ditech has also sent me multiple statements for the same month ( XXXX 2015 ), with different regular monthly payment amounts due and no explanation as to why the amounts have changed. I can see that the escrow portion is different, but there is no recent escrow analysis done on my account, I can see that information on the Ditech web page. My loan is not being serviced according to HUD, FHA or RESPA standards.
05/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29020	Web
I really thought i was going to get some type of help finally! My rights are being abuse by greentree! For XXXX months, ive been harrassed, conned, volilated.I 'm being robbed. I 'm asking for help again. I ca n't put nothing to the princible of my house without it being stolen from me.They are still calling my wifes phone, my phone, coming to my house as of yesterday with these intimidation tactics.My rights are being volilated in more ways then one. My address is still they same! They are not putting anything in writing, just asking for money with phone calls and house visits. Only thing i get in the mail from them is XXXX 2 monthly statements in the past XXXX months telling me i owe thousands of dollars with bogus legal fees.What am i suppose to do? They are trying to scare me out my house.harrass to the point that i give up.Again nothing in writing, just house visits and nasty phone calls. I have told them on a number of ocasions to dessist and desseest! The calls wont stop! They know i ca n't afford no attorney, being i 'm XXXX. They know that! I 'm looking for class action suits against these giants! I 'm so XXXX out over this. I 'm not in good health and i know i 'm not the only person going thru this. Its taken alot out of me and my family. i just want to pay for this house and live the american dream for the time i have left. I know you all are still invetigating. is there any kind of way to stop the from all the harrassing me and my wife and stopping them from coming to my house? Anything they have to talk about can come in the mail. I 'm still paying my monthly morgage every month with every reciept. They still trying to raise my fix rate morgage! It already went up XXXX dollars more. Now they trying to raise it another XXXX dollars more. I need help! Please help!
03/16/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	OH 454XX	Web	Servicemember
Ditech transferred my mortgage to XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX. I did not receive the goodbye letter nor the hello letter, but they did transfer my payment that were set up on bill pay, per RESPA, for the first 60 days. However,XX/XX/XXXX, I called Ditech to get my 1098 information, which was the first time I was made aware my loan was transferred. I then began contact Ditech to track down my payment, and request for it to be sent to XXXX. To date, I have contacted DitechXX/XX/XXXX, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, and today, XX/XX/, sometimes more than once a day. Each time I was promised this would be escalated to a supervisor for a call back to me within 24 hours. I have NEVER received a call back, I receive conflicting information each time I have called, from being told it will be received by XXXX no later than XX/XX/ ( still hasnt happened ), to they will will wire to my bank account and took my bank information ( which I was told on XX/XX/ they dont return directly to customers accounts, so now they have by routing and checking account number ), to it takes 30 days to get the funds to either XXXX or me, depending on who you speak with. In the mean time, I had to borrow the money to make the XX/XX/ payment to XXXX so this would not negatively impact my credit. In the meantime, Ditech is holding me and my money hostage, and I am not receiving good customer service. They are just hoping I will go away, which I will once the payment is returned to me or XXXX. Every Call Center I have spoken with is pleasant, except the one that disconnected me when I said I would hold for a supervisor and not wait for the call back that would never come, but they do not seem to have the proper training, nor the procedures in place to know how to handle these types of calls.
03/30/2017	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	IL 60618	Web
XX/XX/XXXX To CFPB File chapter XXXX bankruptcy on XX/XX/XXXX. Repayment plan confirmed on XX/XX/XXXX. During confirmation, the lender, XXXX, was holding a junior lien on my residence. Plan confirmed that Junior Lien will be stripped off because the value of the real estate is much less than the amount owed by the first mortgage. Chapter XXXX discharge order was submitted on XX/XX/XXXX and sent to the lender. Recently, trying to refinance my first mortgage for better terms, the closing agency found a lien still open against my property from the lender in question. I am being calling the lender, many times, on the last 7 days, trying to work the issue out. They said I should ask the lawyer doing my case for some paperwork. Well, this case is close, about 3 years ago, The lawyer explained to me that the lien should be removed and the lender failed to do so, there are not any missing document and they do n't need to submit anything. The lawyer explained that the document they may be asking for has been dismissed by the judge for failure to state a claim that would allow him to grant relief, the judge made a regular practice of such dismissals, because he felt that adversaries were obviously not necessary to strip unsecured junior liens. I called back the lender and explained, and of course, they ask me to ask the lawyer for a motion, or something like that. Sorry, I am not a lawyer. I found myself into a loop where either my lawyer, because the case is closed, and the lender are failing to help me and solve the problem. I am seeing myself in the process of getting financially hurt due to refinance, for better terms, or sell a property been denial because a lien has not been released from this lender. Please help me to find a way out of this involuntary trap. Thanks,
04/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 62269	Web
I paid ditech extra money to set up my mortgage payment on an automatic withdrawal from my savings account. this withdrawal was to take place bi-monthly. Twice now ditech has withdrawn the wrong amount or no money at all. The first time this happened they did not take out any money and assessed a fee. a week later they attempted to take the mortgage payment plus the fee. Not once but three times causing my bank to assess me a XXXX fee for each occurrence. Ditech representatives told me in multiple phone calls that my overdrafts fees would be reimbursed. They never so. This month on the XXXX of XXXX Ditech was again scheduled to take half of my monthly mortgage plus and extra XXXX for the principal. This withdrawal was never made and a XXXX fee was assessed for non-payment. After numerous phone calls over a period of days I was promised that this situation would be resolved and the non-payment fee removed from my account. Friday the XXXX of this month I received what amounted to a collection notice from Ditech for non-payment and an addition XXXX in fees had been assessed for non-payment. Thus far I have made several attempts with Ditech representatives to resolve this ongoing situation. Every supervisor I have talked to has said that they would make a 'Request ' to their supervisor to get this situation resolved. Thus far nothing has happened and I am now in fear that Ditech maybe trying to set me up for a foreclosure. My wife and I have good credit. We pay extra on the loan balance in order to pay the loan off in a shorter amount of time. and we have never missed a payment. the fact that Ditech is assessing non-payment fees and sending me collection notices after their own refusal to take the money out of my account as they have done so for many months in the past is fraud
08/10/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TN 373XX	Web
My mortgage loan is with Green Tree Servicing as interest rates fell during the mid and late XX/XX/XXXX Myself and My wife were interested on numerous occasions at restructuring our loan either as a refinance etc. but we were always told that it was impossible by Green Tree representatives, when MHA, restructuring etc. was made available under Federal Law again Green Tree advised us that a Refinance within the company was impossible, although they offered loan products of all types, My mortgage has always been paid on time we have never had as much as a day late mortgage payment all we ever wanted to to do was take advantage of lower interest rates, Our home was purchased in XX/XX/XXXX and it is a mobile home but on a fixed foundation and considered real property by the county within in where we reside Our interest rate is 7.79 and Originated with XXXX and was sold apparently to Green Tree in which our nightmare began early this year I filed a complaint with the Tennessee Consumer Division, because although our mortgage has always been timely and paid in full Green Tree hounded us by phone almost daily after being notified division in ( which Green Tree stated in an out right Lie they never contacted us, ) advised the STATE OF TN They would put us on a no call list, etc. I would just like to know why our loan through GT Servicing does n't even qualify for Bi-Weekly payments or any change for that matter, I have been told every time I spoke with Green Tree where I called that we could n't modify at all period Why, no one at Green Tree would explain to us at all just simply that we couldnt change anything, I 'm not asking for my mortgage to be paid for me I just dont understand why we are discriminated against by this company under the MHA Law or any other aspect of our Loan
03/01/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 604XX	Web	Older American
I fell behind on my mortgage in XXXX due to a temporary loss of income. I started the loan modification process with my lender in XXXX and to date, I am in the process of requesting another loan modification due to previous denials. In this process, I 've always been informed by my personal account specialist named XXXX that as long as the loan modification is under review it would prevent or place a hold on any foreclosure proceedings. I submitted my monthly loan mod in late XXXX, again being advised that the review would avoid foreclosure, and lo and behold, I was served with a foreclosure summons in on XXXX while my loan mod was in review. I 've continued to file loan mods since the foreclosure summons for the months of XXXX and XXXX. My most recent denial was on XXXX, in which I still have yet to receive a denial letter, but last week I received a letter from loss mitigation indicating that an Forbearance mod might be available and as of yesterday, I now have a XXXX sale date on my home. My intention in to stay in my home where I 've built a life in with my husband and family. I 've missed the foreclosure case status date on XXXX due to my loan mod app still being in review, and again the foreclosure process would cease while my loan mod is in review. XXXX from Ditech contact me on XXXX to update me on the loan mod status, in which it was still in review and no decision was made as of yet, which is why I did n't attend the status call, only now to find out that the loan mod was denied after I spoke with the agent. I feel that Ditech has dropped the ball on many accounts during this stressful period and is now leaving me resulting to staying persistent with them hoping to inundate them with modification applications and possibly hiring an attorney to fight this battle.
05/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29577	Web
Due to severe financial difficulties, I was in a loan modification process with Green Tree for 9 months ( XX/XX/XXXX - XX/XX/XXXX ) after completing numerous " Uniform Borrower Assistance Forms '' and was continuously rejected. The reason was always that documents were missing, which was not true and I have the documents to prove it. I should have qualified for a loan modification based on my income and financial circumstances. On XXXX XXXX, XXXX, after I received another rejection from Green Tree for a loan modification, I called Green Tree for a reinstatement amount since I was worried about loosing my home. I forwarded a cashier 's check in the amount quoted by Green Tree over the phone on XXXX XXXX, XXXX ( only 19 days after receiving the written rejection for a loan modification ) and have since then paid my " Regular Monthly Payment '' in accordance with Green Tree 's monthly billing statement. Despite these facts, Green Tree filed for foreclosure proceedings on XXXX XXXX, XXXX ( please note that the date is after the reinstatement amount was paid in full ) and added all kind of legal fees to my account without any kind of written statement, letter nor invoice. The mortgage document requires all notices to be in writing, which Green Tree did not do. I have even been accepted by XXXX XXXX XXXX XXXX on a pro bono basis since these actions by Green Tree are not legal, however, they are refusing to remove the charges from my account and are now threatening foreclosure again. I have an entire folder of correspondences between Green Tree and myself over this entire period and we seem to be going in circles at this time. It is very frustrating since Green Tree is a debt collector and not a mortgage company and it seems impossible to deal with them in a professional manner.
08/21/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CO 80110	Web
1. For the last 16 months Ditect has not responded to 16 certified mails requesting a monthly mortgage statement. ( All dates and tracking numbers available upon request. ) No response at all. They have previously responded to address, email and phone number. No mortgage statement has be sent to me. Our records indicate the entire mortgage was paid in XX/XX/XXXX with the last payment, Check # XXXX. Certified mail w/returned signature : XXXX XXXX XXXX XXXX. There has been no response to the request for the delivery of Deed of Trust or the Promissory Note. 2. Because not statements have been received for 16 months, reviewing the tax statements from XXXX Ct , CO. it appears there was an overage of approximately {$150.00}. Where has this money gone? Was it rolled over into the next years tax account? No refund was ever sent to the mortgager. 3. Physical records indicate payments received i.e. XXXX of the month via certified mail. Their documents to Credit Reporting bureaus show late fees accessed and reported late payments on XXXX of the month. This has happened several times resulting in a decline of over 100 points in my score. This is blatant consumer fraud, the same as the Attorney General of Massachusetts fined Ditech {$1.00} XXXX to settle allegations it had violated Massachusetts debt collection laws. This is in violation of the F.C.R.A. 4. It has been necessary to consult council and we are proceeding with legal actions against Ditech. They refuse to release Deed of Trust although all principle has been paid. According to our records, accompied by monthly certified mail receipts, there are no late fees. Each month was paid in full before the due date. We pay the insurance, and because of no response from Ditech, can only guess where the current tax escrow is.
02/07/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 15101	Web
Ditech began servicing my mortgage in XX/XX/XXXX. One of the first things they did was refund me nearly {$1000.00} from my escrow account. I assumed they knew what they were doing and cashed the check. In XX/XX/XXXX they did an escrow analysis and stated that I was short due to the refund that was a mistake on their part and my mortgage would go up {$100.00} for the next year to make up the shortage. That much I understood. However, in XX/XX/XXXX they did another escrow analysis and stated I was now {$2300.00} short. I was given the option to send in a lump sum of {$2300.00} or spread the payments out over the next 12 months increasing my mortgage from {$650.00} to {$840.00}. My payment in XX/XX/XXXX was {$570.00} and the property taxes have not changed since XX/XX/XXXX. Being that my taxes are $ XXXX/yr and home owner 's insurance is $ XXXX/yr I fail to see how my account could be In the neighborhood of {$3400.00} short in just a couple of years. My taxes have never been late or increased since they began servicing the loan. I am a real estate salesperson and appraiser so I have an intimate knowledge of property taxes and mortgages. For the life of me I can't get an answer or reason how my account could be this short. The mortgage all along has included an escrow payment of {$190.00} which is the exact amount to cover the taxes and insurance. I started in XX/XX/XXXX making calls trying to get an explanation of what was causing the shortage. Since then I've made at least 6-8 calls speaking to all different departments, if they didn't transfer me to no one, with not a single answer. They have promised on more than a few occasions to get back to me or have an expert look into it again with no results or phone calls. Please help me end this egregious over step of power.
04/11/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NV 891XX	Web
In 2007 I had a terrible XXXX accident were I almost lost my life, I ended XXXX for about 8 months. As soon as I could write to XXXX, I did explaining my family hardship without my income and all my medical problems at the time. Less than a year later, XXXX did not ever responded to me for the hardship and I need it to short sale the second home that I was living in. They also never responded! On this one instead, they foreclosed my home for less than the short- sale offer! Luckily me, I found out inmediately and I send my buyer to the court house with a personal investor friend to retain the house. The customer of mine bought it! XXXX listed the sale on my credit report as foreclosed. They really ruined my life, my credit and I ended loosing my business, everything! When that home was sold, I moved back to my first home! which unfortunately was also under XXXX loans. Meanwhile XXXX has never responded to me on either one of the properties. Thanks to some leans on this last property of mine, today it has being 9 years with issues with the loans that I 've tried to resolve but no luck. I have asked for help several times, even lawyers, and no one can help. A legal advocacy company advised me to contact you with my terrible story and to complain about the neglect from my original mortgagor XXXX, who later turn to XXXX, then XXXX XXXX, the XXXX XXXX XXXX, then Green Tree and now days Green Tree. I would really like someone to help me resolve this terrible 9 years nightmare. I dont submit any documents with this initiation of complain because I 'm not sure with docs to submit of all the boxes that I have collected in all of these years, but I promised that I have enough. Please contact me on my cell phone at ( XXXX ) XXXX or my private email : XXXXXXXXXXXX Thank you!
04/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33411	Web
I had submitted a dispute to Green Tree Servicing regarding my account. A printout was then sent to me On XXXX XXXX. Whereby I sent a certified mail ( find enclosed copy ) on XXXX XXXX in response again disputing the debt. They acknowledged they were in receipt of it and to expect a written response within 30 business days. in a correspondence dated XXXX XXXX, XXXX. On XXXX XXXX, XXXX another correspondence stating an authorization from my husband is needed before information can be release. Green Tree Servicing has had an authorization since XXXX when they began servicing my account. However, one was sent via fax on XXXX XXXX. I have yet to receive a response. I received another correspondence thereafter dated XXXX XXXX that my account was referred to an attorney. Meanwhile, I had agreed to a 3 month trial modification for the months of XXXX, XXXX and XXXX with a payment of {$650.00} along an additional {$12.00} advance fee. I then received a permanent modification, I signed and returned it and I received a letter thereafter notifying me that I had returned the documents to late. My disputes were never addressed. Foreclosure proceedings were then filed. After looking at my documents I realized that my billing statements along with the transaction history were not consistent nor accurate. Excessive fees were being charged. My monthly payments were being deposited in XXXX account since XXXX. Extra payments were made by me to be applied to my principal were being applied to my escrow account. It was these types of practices and procedures that led them to the judgment against them in Federal Trade Commission and Consumer Financial Protection Bureau vs Green Tree Servicing, LLC. They have then merged with Ditech Financial LLC to bypass cease and desist order. Please help
05/04/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OH 43082	Web	Older American
We were in Bankruptcy and home loan with green tree! As, of XXXX XXXX United States bankruptcy court XXXX district Ohio XXXX division Judge XXXX XXXX XXXX sent copy of " Order granting trustees motion to determine final cure and payment of mortgage ( Doc. XXXX ) Served via regular mail : Green Tree Servicing LLC. XXXX XXXX XXXX XXXX XXXX, SD XXXX. On XXXX XXXX 2015 I was now to pay mortgage payment to Green tree since bankruptcy was over in the amount of {$1100.00}. I paid {$1100.00} on XXXX/XXXX/2015 n {$5.00} on XXXX/XXXX/2015. Payments received.XX/XX/XXXX I receive monthly billing statement for amount of {$5800.00} stating account severely delinquent stating no payments made for XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX and XXXX/XXXX/2015. The bankruptcy courts paid thru XXXX 2015 payment. The final cure shows paid in full. I paid XX/XX/XXXX payment they even thanked me on XX/XX/XXXX bill for amounts paid and I was holding XX/XX/XXXX bill in my hand and they printed it was not paid. Really seriously makes no since. We hired an Attorney to clear up this matter in XXXX 2015 he sent letter to Ditech whom took over Green tree with no response. On XXXX XXXX, 2015 and XXXX XXXX our Attorney sent more letters still no response. I have called written letters pleaded for someone to help us but to no avail has anyone been helpful. Our credit report shows we are delinquent 90 days or more to Ditech. XX/XX/XXXX monthly statement now shows no amount for current payment amount due. ' This is not a bill. This statement is for informational purposes only. Please pay bankruptcy trustee or Ditech. Omg!! Our billing statements now are being sent to our Attorney address which they wrote incorrect but he still receives them. What is going on with Ditech please help us resolve this matter.
11/15/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 605XX	Web
I have been receiving help from the HARP program starting 5 years ago. Each year on or about XXXX XXXX, I have received a {$1000.00} on time incentive bonus but not this year. On my Ditech statement the bonus would be tracked in a line item called " Incentive Accrual Balance ''. On my XXXX/XXXX/2016 Ditech statement the balance showed {$910.00}. On my XXXX/XXXX/2016 Ditech statement, I had expected the incentive bonus to have reached {$1000.00} and to have been credited to my Principal Balance. The payment was not credited to my principal and the " Incentive Accrual Balance '' was no longer listed on my statement. I have called the U.S Treasury several times but the lines has been busy. I have called back but with no success. I have called Ditech several times over the past month and their excuse is they have not gotten the money from the U.S Treasury. Could you please help me find out why this year {$1000.00} incentive bonus has not been credit to my account? There is a second item I would like you to look into. After the first five years receiving {$1000.00} per year ( have not received the fifth year yet ) in the six year of the program I am to receive a XXXX incentive bonus. The sixth year 's incentive bonus is not being track on my statement as the {$1000.00} was. What 's up with that? This last question is for me to have a better understanding of how the U.S Treasury sends out the incentive payments. Does the U.S Treasury send out a lump sum to the mortgage holder like Ditech or is the money sent out monthly? Ditech tells me it is a lump sum but on my statement it is tracked on a monthly basis. This is the reason they have given me as to why the {$1000.00} has not been credited to my account, they have not received the money. My Ditech loan number is XXXX.
03/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 301XX	Web	Older American
Ditech is a new name for the company known as Green Tree. Our mortgage on our home was nearly paid off at the time Green Treen took it over. My bank continued making monthly payments to Green Tree electronically depositing into Green Trees account with XXXX XXXX XXXX. However Green Tree neglected posting any of our payments to our mortgage account.. We had requested they correct our acct and post our payments several times, at which they pretended at the time, not to have received any of them. Green Tree refused to give us or our banks any information on the payoff amount & tried to foreclose on our home instead. We were able to pay the entire mortgage amount again before they could foreclose. My bank " XXXX '' went through the procedure of tracing down 0ver 20 payments that were found to be deposited into Green Tree 's ( Ditech 's ) bank account with my mortgage account number on them. Ditech refuses to reimburse us the {$19000.00} they state they lost. They claim they need to find where they allocated our funds before they are able to reimburse us. I call them every 6-8mos. requesting they return our money, however they claim they are still unable to send us a check until they can correct all their errors. I have all receipts & letters from the bank showing all payments were made on time every month. I also have the payoff receipt showing they were paid a second time for the same mortgage, if needed I can send. Over 100 pages of documentation is available. I called XXXX bureau 2 years ago and told it was being investigated & had assumed it was corrected. I recently found out Ditech has since submitted another negative report to the credit bureaus under the pretense they never received payments and I still haven't received my duplicate payments reimbursement.
05/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48169	Web
We had been making bi-weekly payments on our mortgage for some time and paying extra towards principal. On XXXX/XXXX/16 and again on XXXX/XXXX/16 they pulled the payment from a different account at the same bank ( not sure how they got that account # ). This resulted in the second payment coming back NSF which alerted me to the problem. I immediately transferred money to this account and contacted Ditech. They claimed that it was impossible for them to get the other account information so it had to be on my end or the banks. The payment did go through the 2nd time it was processed but then Ditech sent me a refund for that payment? I then cancelled the autopay per there instructions and set up and electronic payment for XXXX/XXXX/16 to pay the next payment that was due on XXXX/XXXX/16. On XXXX/XXXX/16 I became aware that they did not apply the money to the payment due on XXXX/XXXX/16 but instead put some towards principal and {$420.00} towards some type of bogus corporate late fee? I called on XXXX/XXXX/16 and talked to XXXX (? ) and she told me that the funds would be reallocated properly and all late fees removed but it would probably take a few days. I have been checking my account every few days and calling every few days and always get someone different XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX that tells me that they can see that it is in for reallocation and that I do n't need to worry, all late fees will be removed when this is done and it will not damage my credit. It is now XXXX/XXXX/16 and it is still not done and my next payment is due on XXXX/XXXX/16. I refuse to send another payment until they straighten out the original payment because they tell me it will go to the past due payment of XXXX/XXXX/16 and I know this will further complicate things.
09/09/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 32246	Web
I bought my house 4 year ago. Initial appraisal of my house was at XXXX which how much I bought the house for. After down payment my initial loan was little over XXXX. In the past 4 years we have been making extra monthly principal payment so our current balance on our loan is little over XXXX. After completing some renovation and house prices going up in our neighborhood due to new constructions, current value of our house is almost XXXX which is way below XXXX % LTV. I have made multiple calls to my mortgage lender, which DITECH, including sending written request asking for removal of PMI as well as giving permission for appraisal to be completed. I have called my lender over 5 times and given different reasoning to why PMI can not be removed. Finally I received a letter from my lender saying that because we have FHA loan, PMI must stay in until it is scheduled to be removed which will be until 2018. After consulting with attorneys as well as my city appraisal as well as doing extensive research on PMI, our lender can not refuse to remove PMI if our LTV is below XXXX %. Our lender is not cooperative and refused to speak with me on this matter. I am only allowed to speak with customer services representative who keep giving me different information every time I call. At this point we have two options, either get mortgage attorney or refinance our loan. we need help and resolution on this matter at this time as all we want for PMI to be removed. P.S also at one point Ditech informed me that I have signed PMI agreement saying that I will not be able to remove PMI on LTV meaning if my house goes up in value or if we make extra principal payment. Well I asked them to mail me a copy of that document, and I never received anything. Because I never signed that
05/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08002	Web
On XXXX XXXX, XXXX, I refinanced a loan originally held by Green Tree Servicing LLC., with XXXX. XXXX sent XXXX separate payoffs checks to Green Tree. XXXX was on XXXX XXXX and XXXX was on XXXX XXXX, XXXX. The loan was never processed by Green Tree and I continued to receive bills. I contacted Greentree on XXXX XXXX, and advised them of the issue through a three way call with a XXXX rep. The rep for Green Tree ( XXXX ) was provided the routing and bank information where the disbursement was sent to. Ironically, I settled XXXX additional loans through XXXX with Green Tree and there were no issues. XXXX indicated the funds were there but had to be verified. By XX/XX/XXXX the issue had not been resolved. I contacted Green Tree several more times and no one was willing/able to help me. I also spoke with XXXX ( manager ) who indicated the disbursement was allocated to a different loan and would have to be transferred to the loan in question. Of course, nothing was done and on XXXX XXXX, I spoke with a rep for Green Tree who was actually helpful. She indicated I had a suspended credit disbursement, but the payoff still did n't appear. She attempted to reach XXXX, but to no avail. Today, XXXX XXXX, I received XXXX identical letters from Green Tree indicating that they were looking into the issue. Technically, I have XXXX loans for XXXX home and am still being contacted by Greentree for payment. An additional concern is whether my credit will be affected. According to XXXX, the disbursement checks were cashed by Green Tree on or about XXXX XXXX. Green Tree is a terrible company who has poor customer sevice. They make ridiculous mistakes and do nothing to rectify the situation. At this point, I believe they are intentionally affecting this process. Thank you.
08/11/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77662	Web
On or about XX/XX/XXXX refinanced my childhood home with XXXX XXXX XXXX in the amount of {$52000.00}. I paid a premium of {$600.00} at closing for Title Insurance to XXXX XXXX XXXX XXXX XXXX. The loan was set up with XXXX XXXX. Then sold to Ditech Financial LLC Servicing. The loan is backed by XXXX XXXX. On or about XX/XX/XXXX my new neighbor informed me that my property was landlocked aka no ingress or egress. XXXX XXXX XXXX would not help or give any hope of resolving the issue. Then on XX/XX/XXXX at XXXX XXXX my home received 7 1/2 feet of water and stayed under water for 14 days! As of todays date XX/XX/XXXX it has been 741 days and still not back in my childhood home and still landlocked! The home received {$100000.00} in damages with only {$42000.00} in flood insurance. The XXXX cashed out in the amount of {$42000.00} payable to Ditech and myself in XXXX of XXXX. Ditech would not release the proceeds. Went into forbearance. The Texas General Land Office and FEMA forcing me to pay {$680.00} rent on a travel trailer. The house note is in the amount of {$510.00}. That includes property taxes, insurance and flood insurance. The property has 3 different Elevation of Certificates the one I paid for claimed that the property is in zone C, the County and City said it is in zone B, XXXX XXXX, XXXX and FEMA said it was located in zone A-12. On XX/XX/XXXX Ditech sent me a letter stating that they could not help me with the landlocked issue. Ditech said I was in forbearance so I used some of the monthly payments to try getting back in the home and then received a Notice of Default to be cured by XX/XX/XXXX. The Title Insurance Policy in the amount of {$52000.00} has been paid out to an unknown company while the property is still land locked and uninhabitable!
03/26/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 60103	Web
We originally purchased our home with XXXX in XX/XX/XXXX. We found that our home was worth XXXX less than what we owed. We filed bankruptcy to try and help get this under control and see if we could get this to where it was affordable. Unfortunately we were misguided by our attorney. We hired a new attorney which helped us and we were able to get a home modification XX/XX/XXXX. We were not able to make our payments prior to this but in this modification our loan payment went up. We then struggled and tried to keep up with our payments but just could n't keep up. We were contacted that XXXX sold our mortgage to Green Tree servicing. We contacted them asking them if there is anyway they could reduce our interest rate ( currently 6.75 % ) to the current rate around ( 4 % ) to make our mortgage payment go to around {$1900.00}. We started this process XX/XX/XXXX and got the run around stating they " Lost our paperwork '' " Missing items '' " Transferred to another representative '' " Waiting to be reviewed '' in every one of these cases we called on numerous occasions to ask the status and they would never give us an answer or they stated our case was closed. We finally in XX/XX/XXXX notified our attorney and asked that we just let our home go into foreclosure as they are unwilling to work with us and would rather our home go into foreclosure that work with a homeowner trying to save their home for their children. We really wanted to save our home and they acted like we were asking them to forgive our entire mortgage. Which we were not we were just asking for help in trying to reduce our payments so we could keep our home. They are not willing to work with the homeowner in any circumstance. I WOULD NOT RECOMMEND GREEN TREE SERVICING TO ANYONE! BUYER BEWARE.
07/25/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	NY 11776	Web
Several years ago I was called and offered a personal loan on the telephone for XXXX from a company named GreenTree Servicing. I was told explicitly that it was a personal line of credit, a personal loan. I accepted and received normal bills and made payments. Aproximatly, one year later The bill started referring to the terms as a mortgage as though this was a second mortgage on my home! I had never taken out a second mortgage on my home with this company, especially at 13 % interest. They also failed to give me the rate that they promised which was about half. I contacted this company numerous times to no avail and to avoid bad credit I still paid the bill. Then they started misallocatibg the payments to only pay the interest on this personal loan which they now referred to as a Mortgage. Again, after so many calls a consumer can only take but so much. Subsequently, they then transferred my personal loan/ their supposed mortgage to Ditech who I still receive bills from and pay. At the same time, this said to be personal loan from GreenTree/Ditech which somehow attached itself to my mortgage then started coming with not only my name but my girlfriend 's name who is co-owner of the home. She had never been involved in this personal loan transaction. In fact, this entire transaction took place over the phone with no documents included to sign, all verbal. But again, she never had anything to do with this and I never agreed to the terms that they are referring to. My home had nothing to do with this loan. Without hiring an attorney how can I get this resolved as they are also now unwilling to modify or relook these terms and are now destroying my credit as well. This is blatant fraud and I feel extremely victimized. Thank you in advance for your help.
11/02/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 334XX	Web
Summary of Events : 1 ) - XX/XX/XXXX completed XXXX XXXX refinance closing and my Ditech mortgage was paid off by XX/XX/XXXX 2 ) - XX/XX/XXXX Ditech autopay was not cancelled and an extra payment in the amount of {$570.00} was issued to Ditech ; I contacted the both Ditech and the bank to try to stop the payment but was told that nothing could be done and I would have to wait for a refund 3 ) - XX/XX/XXXX I called Ditech to follow up and was told that a check was issued on XX/XX/XXXX 4 ) -XX/XX/XXXX called to follow up because no check was received but I had received other Ditech mail dated later than XX/XX/XXXX. Representative confirmed that check in the amount of {$570.00} and change had " been mailed out onXX/XX/XXXX '' and said that they could not do anything about it until 30 days after the date the check was sent. 5 ) - XX/XX/XXXX sent a complaint via the Ditech Website, received the following response " Thank you for your recent inquiry. Your request is being reviewed and we will respond via U.S. Mail to the address of record. '' Based on my research of complaints about this company, this is a common occurrence and " 30 days '' is their typical response for delaying payments due back to customers. From what I have read, this will continue for a number of rounds while I am put off for another " 30 days '' multiple times for various reasons. Some people complained about just giving up and never receiving payments. First of all, I do not understand why they are not refunding the entire overpayment. I also feel like I should not have to fight or follow-up multiple times to get back a payment that is owed to me. I would appreciate any help that CFPB can provide to make sure that Ditech complies with RESPA rules and regulations. Thank you!
01/17/2017	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	OH 440XX	Web	Older American
I applied for and completed a home modification program ( Home Affordable ). My mortgage was sold from XXXX XXXX XXXX to Di-Tech. Upon completion of the modification program, I received a letter from XXXX XXXX XXXX explaining to me that since I completed the program in good standing without missing a payment, they were awarding me {$4000.00} to be applied to the principal of my mortgage loan. Once Di-Tech bought the mortgage loan from XXXX XXXX XXXX, they ( Di-tech ) decided that I did NOT qualify for the {$4000.00} and advised me in a letter that they were taking that money and that I was no longer eligible for it. I called Ditech to inquire how they came up with their reason that I did not qualify for the {$4000.00}. They said I had missed a payment back XX/XX/2012, therefore rendering me unqualified. After speaking to Ditech, I immediately called XXXX XXXX XXXX who in fact verified that there has never been a payment missed or even late. I have NEVER missed or been late on a mortgage payment in 49 years of owning my home. My daughter wrote a letter to Ditech along with the proof that the payments were all made and all I 'm getting is " we need more time '' explaining that they can not find a discrepancy. If I can get that {$4000.00} applied back to the principal of my home, I will be able to refinance and bring my payments back down to where I can afford them. Since Ditech took my mortgage from XXXX XXXX XXXX, my payments have steadily gone from XXXX to XXXX. I am XXXX yrs old and a widow, and live on a fixed income. I feel strongly that they are scamming me in order to keep the money that was issued to me by the Dept of U.S. Treasury. I have the letter from them awarding me the money. Please help me get the money back that I have coming to me.
03/19/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 327XX	Web
My mortgage was bought by Green Tree in XXXX XXXX. My husband lost his job in XXXX XXXX and we got behind. We tried to work arrangements out with Green Tree. They are refusing my payment unless I bring it current. They are calling several times a day and faxing over personal info and payment history to my work fax and my co workers seen it. I paid a XXXX payment in XXXX $ 4200- because of there threats of taking my home. I paid another XXXX in XXXX and called another payment in for XXXX in XXXX. I was told I am still XXXX payment behind and needed to pay {$4200.00} for XXXX not XXXX and that would bring me current. I explained to them I do not have it. I then received another call a few minutes later from another account Rep - who handles my Account - I was threatened they would void my payment for that day and it would put me 60 days past due. I asked again to speak with a manager - who then gets on the phone and says they will look in to it. I called back the next day and asked if my payment had been voided, I was told no. I pulled my bank statement up and see they reversed it back into my bank account. How can they refuse a payment after excepting it. The tactics they use are not right for those who are trying to keep our homes. They are purposely refusing PAYMENT to damage my credit and make me loose my home. What can I do?? They told me to file foreclosure. I can not believe they would want to push a customer into foreclosure over being XXXX payment past due. I am trying to keep my home and have always paid on time until my husband lost his job. I have proof of them excepting the payment then voiding it. I believe they are playing games, I have talked to several people who claim to be managers who say they will look into it with no follow up.
01/15/2016	Yes	Mortgage FHA mortgage	Settlement process and costs	IN 46254	Web
On XXXX XXXX, 2015 I was approved for a mortgage modification trial period plan by Ditech Financial LLC ( formerly Greentree ). I agreed to the plan and completed all of the company 's requirements for modification, only to receive a letter dated XXXX XXXX, 2015 from Ditech saying I was ineligible for the modification because I had not submitted all of the requested documentation! I found out at the very last minute they were denying the modification due to a lien placed on my property by the Home Owners Assoc. for past fees due, WHICH I HAD DISCUSSED WITH THEM FROM THE BEGINNING! I asked them initially if they could roll the past due amount into my mortgage modification, which they stated they could not ( so they knew about this lien from the very start ). Since Ditech said they could not roll the amount owed on XXXX fees into the modification, I contacted the XXXX in XXXX for help with the lien. When Ditech asked me for something in writing to substantiate how I intended to catch up on the XXXX fees, I had had the XXXX XXXX XXXX fax them a letter outlining how they were helping me with the issue of the HOA fees. The XXXX XXXX provided me with proof of Ditech receiving their communication, yet Ditech NEVER RESPONDED to the Clinic, but proceeded to send me the denial letter. I should be allowed to have the mortgage modification they approved me for, after I met all of their requirements. Further I will add, the exact person who was in Loss Mitigation working on my modification, NEVER personally returned my calls, nor did she EVER answer the phone. I have never personally spoken to the woman who was handling my modification, no matter how manty times I tried to contact her. All of my phone communication was done with " XXXX '' in Customer Service.
12/12/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WY 824XX	Web
my mortgage with Green Tree as the servicer got foreclosed on in XXXX at XXXX sale then I got a satisfaction of mortgage in XXXX from Green Tree Servicing LLC before the redemption time was up. Then in XXXX. I received from Ditech Financial LLC that my terms of my Account Modification Agreement my interest rate is to change and my payments start on XXXX/XXXX/XXXX also received the same notice for my ex wife that had nothing to do with my mortgage loan I took it out to pay her off in the divorce. then on XXXX XXXX I was served with NOTICE TO QUIT LEAVE AND VACATE then with a COMPLAINT FOR FORCIBLE ENTRY AND DETAINER from XXXX XXXX MORTGAGE XXXX then I went to court today XXXX of XXXX plaintiff appeared by phone I did not have a lawyer and I had all the paperwork and a witness but I lost in court. I have been protesting the foreclosure way before it went to sheriff sale because of misused escrow funds and harsh collection tactics missing payments over paid insurance modifications not recorded broken chain of title and fraudulent foreclosing methods. my mortgage was assigned to MERS when I took it out in XXXX then assigned Green Tree Servicing LLC in XXXX as recorded to XXXX XXXX clerk but I made payments to XXXX Mortgage then XXXX loan Servicing that were not recorded also my satisfaction of mortgage is signed by someone that works for Green Tree Servicing LLC as assistant secretary for MERS the same on assignment of mortgage to Green Tree Servicing. I 'm still in my house but if I ca n't get it stopped FORCIBLE ENTRY AND DETAINER will be in three business days is there anything you can help me with? XXXX XXXX MORTGAGE XXXX is not on any of the recorded documents before foreclosure not until after I got satisfaction of mortgage from the XXXX clerk.
01/13/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33062	Web
Ditech Loan was paid off on XX/XX/XXXX I forgot to cancel automatic payments and accidentally sent another payment of XXXX on XX/XX/XXXX after payoff was received. I never received this overpayment back and contacted Ditech by phone on XX/XX/XXXX. I informed them I would be out of the country and to please send reimbursement electronically to my bank and suppled all requested documentation via fax. As of XX/XX/XXXX I still had not received my reimbursement and called Ditech again. I was told it had been processed on XX/XX/XXXX. I was told it would be re-processed as soon as I re-sent all previous documentation as well as my bank statement to prove I had not received it. I faxed this immediately. As of XX/XX/XXXX I had still not received anything so I contacted Ditech again. I was told this time that a paper check had been mailed on XX/XX/XXXX. I informed them that this was not helpful as I need it sent to my bank directly since I am not in the country and this would be the third time I supplied them with the account and routing numbers and why didn't the previous rep tell me that? At this point Ditech has withheld MY money for 45 days. This is grossly unfair and I can not help but wonder what would happen if I was dependent on that money for basic needs? Does this not amount to theft when a company is keeping your own money from you? They are also placing an unnecessary burden on the consumer as I must continue to supply evidence and fax and call to get my own money back. I was actually initially told on XX/XX/XXXX to call back in 7-10 days to find out the status! When I complained that this seemed unreasonable and asked to speak to a supervisor I was told they were not available but then told it would be processed in 3-5 business days.
10/13/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AZ 85374	Web
A person calling himself XXXX XXXX posed as a Ditech Mortgage Representative. He contacted me by telephone on Wednesday XXXX XXXX, XXXX at XXXX XXXX. Per my caller ID he called from XXXX and left a voice mail for me to return his call at XXXX XXXX XXXX XXXX if I was interested in saving my home. I contacted XXXX XXXX on the direct line he provided and negotiated an amount of {$500.00} to be paid that day and an additional {$800.00} to be paid on Friday XXXX XXXX, XXXX. What seemed odd was the method of payment. It was required that I purchase a prepaid debit card in the amount of {$500.00} from XXXX, call XXXX XXXX with the account number, CVV number and date of expiration. I felt weird about this all night. I contacted Ditech customer service at XXXX XXXX XXXX XXXX before completing the second transaction on Friday XXXX XXXX, XXXX. I was informed by Ditech customer service that they do not accept payments using prepaid debit cards, and that they do not accept partial payments for homes in foreclosure. My home had been placed into foreclosure 3 days before. Furthermore, there was no indication on my account that a XXXX XXXX had made any notations on my account about the payments, or our negotiations to move the loan to a modified status. I am about 50/50 if XXXX XXXX actually works for Ditech or had spoofed the telephone number identifying his initial call as being from Ditech. If he is a Ditech employee I feel he mislead me into making a payment that will not allow me to modify my mortgage. In any case when XXXX XXXX called by this morning to execute the {$800.00} payment I told him he could go to XXXX as he had already stolen {$500.00} from me. Please help me determine if I got ripped off or if I am just being played by my mortgage company.
10/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NH 030XX	Web
I have been having some trouble with my mortgage company for the past six months or so. My mortgage company used to be Greentree, and then it was sold to Ditech in the XX/XX/2016. I continued to make our monthly mortgage payments, and began receiving calls from Ditech in XXXX of 2016 telling me that my account was behind because they had n't received an XXXX payment from me. I made my XXXX payment and checked my bank statements to confirm that Ditech had cashed my check, and they did. I submitted my bank statement to prove that we made our XXXX payment, and they told me that they did n't allocate our payment to our account because they switched their software in order to absorb all Greentree mortgages into their computer system, and said that they have been having issues because of the software switch. Ditech verbally confirms that they received my XXXX payment, and cashed my check for that payment. Ditech continues to call me and send statements in the mail indicating that I am delinquent in my payments due to this " missing '' XXXX payment. Ditech has also added late fees onto the amount that they are saying is past due. When I call Ditech, they tell me that they are " taking care of this and will fix it '', but the calls and mailed statements from them indicate that in their system, I am still delinquent. The " late payment '' showed up on my credit report, and luckily, after disputing this with a credit bureau, they took it off my credit report, but my credit rating has dropped because of this. It has been 6 months, and Ditech has n't resolved this issue yet. I continue to receive phone calls and mail from Ditech indicating that they need me to pay that " missing '' XXXX 2016 payment. I am not sure how to proceed at this point.
05/18/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CT 062XX	Web
My house at XXXX XXXX XXXX, XXXX, RI was foreclosed on by XXXX, because i had bought a new home, could n't sell the house and had exhausted my savings trying to pay both home mortgages. Green Tree was the second mortgage holder. I have been paying a monthly payment since XX/XX/XXXX, once I was contacted by Green Tree and the XXXX foreclosure was settled. I am required to set up payments in six months intervals, which I do for {$300.00}, which is higher than my original mortgage payment. I am not allowed to make the payments monthly on my own and are forced to pay a {$12.00} processing fee each month, which i have done. The last time I had to set up the next six months of payments, I was required to provide all my financial information before they were willing to discuss my account with me, when I refused to i was threatened with being sued. I reluctantly provided my financial information and was subjected to questioning about my monthly bills, my current mortgage, why i have open charge cards, why is my cell phone bill so high, etc. I was then lectured about paying the Green Tree debt first, in fact, the representative was trying to force me to make an offer to payoff the balance immediately. After much convincing I was able to get the Green Tree representative to set up another six months of payments. The representative made it very clear that if I do not settled the debt after XX/XX/XXXX, when the sixth month payment is processed or they will take me to court and sue me for the balance in full. I do n't feel I am being treated fairly. I am paying the mortgage lender monthly, the amount is larger than the original mortgage payment, I am paying a $ XXXX monthly processing fee and yet I am constantly threatened with a lawsuit for nonpayment.
07/10/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	CO 80013	Web	Older American
In XXXX 2015 my wife and I began VA refinancing procedures with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The loan was approved and we signed papers on XXXX XXXX, 2015, on XXXX XXXX, 2015 the loan was transferred to Green Tree. The refinance papers showed that XXXX months worth of escrow was held to pay for property taxes due on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received notice from the XXXX County Treasurer that we were delinquent in paying property taxes. On XXXX XXXX, 2015 I called an agent with XXXX XXXX and was told they would look into the matter, and she confirmed that there was XXXX months worth of monies withheld to pay property taxes, I also emailed her a copy of the tax statement. On XXXX XXXX, 2015 I again called the rep. from XXXX XXXX and had to leave a voice mail, since I did n't receive a call back, on XXXX XXXX, 2015 I called and talked to another rep, and he told me I would have to call Green Tree. I did call the tax division at Green Tree and advised what the problem was and she told me it would take XXXX days to look into the matter and another XXXX days for a decision to be made, I told the lady this was not acceptable and asked her XXXX to talk to a supervisor and she told me no both times, On XXXX XXXX, 2015 I tried to make a written complaint to Green Tree, but with the subject heading Complaint in was rejected and I was instructed to call Customer Service, I was finally able to get the email to go through by putting a different heading for subject matter, today I got a return answer that the matter was being looked into and it would take XXXX days from the date of my notice to them to reach a decision, well past the date of XXXX XXXX, 2015 when XXXX County said a lien would be placed on the property.
03/02/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 38863	Web	Servicemember
XX/XX/XXXX, we have a mortgage statement from XXXX XXXX XXXX showing mortgage was current and up to date. It was transferred to DiTech account # XXXX. All payments were made on time but starting in XX/XX/XXXX, DiTech began claiming that our payments were late. In XX/XX/XXXX, DiTech began reporting late payments to Credit Bureaus. We contacted DiTech again in XXXX to fix the problems on their end. My husband requested our payment history and went over dates checks cleared against their actual posting. It was a mess. They continued showing payments in arrears but we faxed and XXXX XXXX delivered paperwork from our bank of checks showing that all payments were made on time. We questioned their book keeping as to why this had not been better handled and why they hadn't fixed it yet. They were posting payments late but our cleared checks showed they were cashed on time by them. Finally on XX/XX/XXXX we received an email from their Customer Service Department stating that they had resolved the issue. But XX/XX/XXXX, we received another letter from them stating the account was running a month behind after we had already proven payments were all on time. So we were back at square one AGAIN. They transferred to another Mortgage company stating XXXX payment was not made but I had cancelled check that they cashed. I also emailed them on XX/XX/XXXX that I had record that they cashed check and to forward to new Company. They also were reporting derogatory information to credit bureaus which caused problems. This is very unfortunate that we had to constantly have to go back and forth with a company with such poor book keeping when handling customers ' money and that the customer has to prove that they were doing what they were supposed to. It's scary.
09/06/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT XXXXX	Web	Older American
My properties Hazard insurance ( policy number XXXX ) for the period XX/XX/XXXX thru XX/XX/XXXX for the amount of {$3800.00} was paid by my mortgage company, Ditech, in the form of 2 checks to the insurance company in the amounts of {$140.00}. on XX/XX/XXXX and {$3700.00} on XX/XX/XXXX. I have those check numbers from documentation from insurance company if needed. On XX/XX/XXXX I was charged {$320.00} for what was labeled Earthquake Insurance disbursement. I was again charged {$100.00} monthly in XX/XX/XXXX thru XX/XX/XXXX. I was charged {$100.00} in XX/XX/XXXX and {$100.00} in XX/XX/XXXX. It took me 6 months starting in XX/XX/XXXX to get the mortgage company to finally admit these Earthquake disbursements I was being accessed was for forced placed insurance. I have never gotten an explanation as to why they started to charge force place insurance when they had paid the hazard insurance on the property. When you call customer service to ask a question you are put on hold for up to 45 minutes and then phone generally disconnects before the individual returns with your answer. Also since this company uses foreign call center s for it customer service it is very difficult to understand what they are saying especially when they are reading from a FAQ. They have limited ability to understand what you are trying to convey to them to be able to act on it properly. I have asked the mortgage company for a refund on the {$1300.00} they have charged me in forced place insurance when I was in compliance by having hazard insurance on the property. I was also charge {$15.00} in XX/XX/XXXX and XX/XX/XXXX, which I still can not get a valid explanation for yet. This haggling with them for over a yea to get this resolved has got to stop, please.
04/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91006	Web	Older American
1. Complaint XXXX submitted 2. I have attempted to call the single point of contact and that individuals manager every day for the past week. There have been no return calls or messages left for me. 3. On XXXX XXXX I left a long detailed voice mail for the manager of my single point of contact informing them of the following : A ) The sale of the house appears to be moving forward, however, the buyer is forcing us to close by XXXX XXXX and we are going to do everything we can to meet that time frame. B ). Buyer completed their house inspection and that revealed an inoperable condition with respect to damage under the house. We are attempting to work through that issue. C ). We will ask for a payoff letter. D ). I asked for the courtesy of a return call so I could discuss the issue and understand options. 4. Instead of talking with me, ditech took that information, sent it to an attorney and had them send a notice that they would foreclose. This is unconscionable and if this notice is discovered by the buyer the sale could be off. This is after making offers to continue a payment plan and making an offer last month to purchase the note - ALL OF WHICH HAVE BEEN IGNORED. No phone calls. 5. One of the primary Borrower 's, XXXX XXXX XXXX, died on in the past two weeks. The other has scheduled XXXX within a month. We have proactively worked with ditech throughout the process to get the loan repaid with a goal that the borrowers would at least have a small amount of money for medical expenses and to live on. The remaining Borrower, XXXX XXXX, is faced with those costs and a reduced income as her survivor social security benefits result in reduced income. 6. And ditech believes that this is the right time to send the foreclosure notice?!
08/02/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 95682	Web
We had major problems with our mortgage with Green Tree servicing related to unauthorized fee 's, inaccurate posting of payments and paying our property taxes late ( escrow account ) and charging us with the late fee, harassing me at work, and refusing to provide either monthly statements or online info our our account summary/balance. Unfortunately, a company with problems and numerous complaints can remain intact, and simply change their name. Now that they are Ditech, we are even more upset. I AM CONVINCED THEY ARE XXXX US OVER. We filed a chapter XXXX in 2012 ( we did not include our home/mortgage ) and have continued to pay that on-time every month. Greentree AND Ditech will not put our loan balance or account summary on our statements nor online. We have NO CLUE where our money is going. I make my {$2100.00} payment every month. I called to obtain the info and the recording indicated they received $ XXXX I paid {$2100.00} It appears our loan balance has n't gone down either, it appears to have gone up! I know they added the late fee THEY PAID LATE ( escrow account ) ON OUR property taxes to our loan balance. I filed a CFPD report last XXXX regarding this and have yet to get it resolved/refuneded. I pay online every month on the XXXX,, yet they post payments on the XXXX often ( just to illegally assess a late charge ) Why does it take 2 weeks to get an electronic payment? NO ONE ANSWERS THEIR PHONES, OR RETURNS messages via their website under " contact us. '' I have sent XXXX messages in the past 8 months. The Federal trade regulation needs to investigate them asap!!! I FEEL SICK TO MY STOMACH, AS WE HAVE NO CLUE WHERE OUR MONEY IS GOING, NOR CAN WE SEE/ OBTAIN A COPY OF OUR BALANCE/ACCOUNT SUMMARY TO CONFIRM IT. PLEASE HELP!!!!
06/01/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94501	Web
My XX/XX/XXXX mortgage payment was returned. Ditech has not modified my mortgage and l have paid my taxes each year and home owners insurance. they tried to pay my taxes and the money was returned by the county as an overpayment. several years ago, they started to t escrow my account and l explained to them that my mortgage was never modified but they issist l paid my taxes late which is false.,., we accually paid on the same due date. they have continued to bill me for escrow amounts while i have paid my mortgage and taxes on time. Now they want to stop accepting my mortgage payments and forclose on my home by not accepting and cashing and returning my checks. My taxes are paid in full for XXXX and my mortgage was current until they returned my May ck in the amount of {$1900.00}. They ruined my credit by posting escrow fees as late payments on my credit reports which makes me unable to refinance at this time. i am XXXX XXXX XXXX and work 2 hrs a day for a XXXX XXXX . i pay my mortgage and taxes on time. and now they are trying to foreclose or get me to pay escrow amounts per month in addition to my monthly mortgage. my income varies per month and escrow fees are too much per month. i have explained this to them and they are now trying this to get me to pay up. i will have my tax dollars this l fall when they are due and will pay them on time as usuall. Not sure how to proceed since l just sent my XXXX Mortgage payment yesterday. .or if i should re submit my XXXX mortgage check that they returned to avoid forcloseure.In addition the dollar amounts they are trying to collect in escrow are incorrect ... .they are not including tax payments or insurance payments made over the tears. my account need to be audited.
12/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC XXXXX	Web	Older American
I had a mortgage on my home at XXXX XXXX XXXX, XXXX, SC XXXX. The mortgage was originated by XXXX XXXX Bank in XXXX and subsequently assigned to Ditech Financial, LLC. The home was sold on XXXX/XXXX/16, with payment in full received by Ditech on XXXX according to XXXX of their representatives. The payoff received was more than the amount owed, and Ditech was holding almost {$2700.00} in escrow for insurance and taxes at that time. Since the closing occurred more than 30 days ago but I had not received a refund, I called customer service. The representative I spoke to said Ditech was holding my money and will issue a refund " sometime next week. '' I asked the rep whether Ditech was going to pay me interest for holding my money for 30 days plus w/o my consent and he told me they will not. He went on to say they are " required '' to hold any overages for 30 days. I am an attorney who represents banks and other financial institutions. I am not aware of any requirement that overages left in an account following a complete payoff must be held for 30 days ( plus another week for them to " process '' the refund ). I believe Ditech is using the float on my money to make more money for itself w/o compensating me for its use. I understand that Ditech services millions of mortgages in the US alone. If they are doing this every time a loan is paid off, they are making literally millions of dollars every year wrongfully withholding money from borrowers who have no agreement with them allowing them to do so without compensation after they ( or the lenders for which they are servicing the loans ) have been paid in full. Nice job if you can get it. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
05/18/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	FL 34711	Web
My now ex husband applied for a home equity loan in 2004. When the agent came to close the loan at our house she required me to sign all of the documents including the applications. At the time I did not know any better. My husband defaulted on the loan, I started to dispute the validity of the loan. At the time of the loan, I did not work, was not on the first mortgage to the home and did not apply jointly for the loan. I have sent numerous certified letters to Ditech ( XXXX XXXX/Greentree ) requesting the application and underwriting of the loan. I have been given the run around for a year and a half. They originally would only send me the promissory note and a payment schedule. I continued to call, email, and send registered letters for the application and underwriting package. They would not send it. I spoke to their attorney who verified they sent it to someone else 's address ( a relative of my ex ). Finally a year and half later I received the application. The typed one is signed and dated the day of closing, you can see that they typed a earlier date in the corner but the signature date is the date of closing. The handwritten one is not dated at all.. I never received the underwriting. They filed a judgment against me, which I had no knowledge of and I recently had to pay them over XXXX dollars from the sale of my house. Not the one for the HELOC. I told them I would still dispute it but I had to sell the house or risk bankruptcy. Lastly they have yet to even satisfy the judgment 2 months after receiving my funds. The bottom line is I did not apply for joint credit. I did not sign the application at the time of application. My husband ( ex now ) was approved for this without me. I did not work or contribute to the income.
09/15/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MD 217XX	Web
Hello, Regarding our attempts to modify our mortgage with Greentree/Ditech over the past, almost 2 years. in late XXXX, we began working towards a modification after almost a year, full of lost papers and constant resending of documents, we were approved for a trial modification in XXXX XXXX we made trial payments, per their instructions, in XXXX, XXXX, and XXXX of XXXX XXXX XXXX, there was no communication. after repeated calls from us, we made a payments in XXXX and XXXX. rec 'd a letter in XXXX stating we no longer would be able to modify due to not returning documents? attempted to contact the rep on the letter referenced above, but no answer and no return call after leaving numerous messages last message I left stated I would not continue payments until we could figure out what was going on. continued to reach out in XXXX - no replies drafted a letter to Ditech in XXXX XXXX responded in XXXX, stating they would review my inquiry, and get back to us in 30 days In XXXX, another letter was sent by Ditech, basically saying our situation was still being reviewed In XXXX, we rec 'd a letter from and attorney stating he was authorized to begin foreclosure proceedings sent a letter on XXXX XXXX in response ( as requested on the attorneys notice ) with copies of the correspondences with Ditech No response Homeowners policy renewal payment of {$370.00} sent by me on XXXX - check was returned to us *Called my ns agent who stated policy was paid in full by the lender - we have always paid ourselves? So, it is now XXXX, and I 'm fearful that these people never had any real interest in working with us, and foreclosure is imminent. My wife and I worked diligently to save our home, but it just does not seem to matter.
07/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 278XX	Web
Our Mortgage was sold to Green Tree Servicing in XX/XX/XXXX in the process at the time we was in chapter XXXX and I talk to someone at Green Tree and I ask them once we become discharged can they refinance my home because our APR is 10.50 and she said they will see well we was discharged in XX/XX/XXXX so we had some hardship my husband lost his job XX/XX/XXXX they gave me a deferment but the problem with that was my husband is a truck driver and the weather was bad last winter when he found another job so I had pay things by myself so I get tired of Green Tree sending people to the house trying collect a house payment so XXXX XXXX I talk to XXXX XXXX at XXXX XXXX XXXX and she talk to Green Tree trying get our house payment modified but they said they could n't do it because our home is XXXX XXXX XXXX and they do n't do government loans and we had to do in house get our home modified and the lady we need talk too is XXXX at XXXX EXT XXXX for modification and she the only person that can handle I call this lady about XXXX times a week and leave message but she do n't return no calls so I spoke to someone at green tree and the answer they gave me is keep trying because she the only person that can handle my loan please look into this for me because it do n't showed on my credit that I do own a house my account representative is XXXX XXXX at XXXX ext. XXXX account number is XXXX and I be talking to her so I ask for another deferment to catch our payments up and her manager did n't approved it they tried place me on payment plan to pay XXXX for XXXX months I ca n't afford that my payment a month now is XXXX the reason why they did n't approved it because we not facing any hardship and they hate waste a deferment when we do n't need it
05/08/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX XXXXX	Web	Older American, Servicemember
I closed on my house XX/XX/XXXX. Ditech is my mortgage servicer. As I am a XXXX senior veteran, I chose to defer my property taxes meaning I did not have to pay them until I sold my house. My wife was a co-borrower on the loan. I have sent her death certificate to Ditech 3 times in order to get her name removed. XXXX, XXXX Ditech took it upon themselves to make a tax payment to XXXX XXXX of {$22000.00} despite my telling them many times my taxes were deferred. I even sent in paperwork as they requested to confirm this. When I closed on XX/XX/XXXX, Ditech added this payment to my payoff despite confirming with XXXX XXXX that they had mailed the check. Ditech apparently lost the check and it took over 30 days for them to find it. My realtor called Ditech after we closed and Ditech escalated to see where the check was. They found it and I received a check in 30 days but it was also in my deceased wifes name so could not cash. Per XXXX instructions I sent via certified mail a copy of my wifes death certificate, the check and requested a new check in my name only. Ditech signed for the check on XXXX. On XXXX they could not find the check in their system ( another lost check ). My Realtor got on the phone to assist me as I have been on the phone for hours with Ditech to no avail She uploaded all the documents they requested on XXXX. Told she would be contacted by XXXX ( apparently fake name and extension as extension goes to customer survey not a person ) Uploaded docs went to XXXX XXXX. I would like this money that has been due to me since XXXX. Every time I call I get told it will be 10 business days-it has now been 35 days since I mailed everything and still no check. {$22000.00} is a lot of money for a senior citizen. Please help.
01/22/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77088	Web	Servicemember
We have a Mortgage with DITECH and on XX/XX/XXXX. Hurricane XXXX hit our city here in XXXX TX . One week later XX/XX/XXXX we get a letter stating that we had an overage on our Escrow account. We are out of town at the time we spent 2 wks in XXXX and XXXX XXXX because we did n't want to ride thru the storm with our little kids, no food or lights. We have been a couple already and did n't want to go thru this one seemed like it would be a bigger one than we have dealt with. Needless to say we did have a little water damage. Compared to others here in Town. I called in our insurance claim after we got back and DITECH said that they had rehimbursed our " Flood Insurance ''! They said it was because we were no longer in a " Flood zone '' which I have confirmed that there was no such change to our Flood Map! That was a lie and the reason we could not contact the insurance company our selves is that we were always paying our Flood Insurance and Hazard Insurance separate from the Mortgage Payment. This last year DITECH forced insurance on us and it was lower than the Flood policies we found ourselves. I never got a copy of the binder or policy from DITECH or Insurance company for that fact. I have called DITECH and requested online for a copy of my old policy and they will not send to me. I suspect that they did n't have an insurance policy during the time they said they had a policy and tried to hide there tracks by giving me the run around. I am tired of being given the run around and am seeking help to fix our house which we thought we had insurance for and we were paying them for. I do n't know what we can do at this point since I feel like we are at there mercy and it does n't seem like they want to help us out when we need it.
09/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA XXXXX	Web
The complaint is about how DITECH Mortgage Servicing has mishandled the Homeowner 's Escrow account with regard to Homeowner 's Insurance. The homeowner 's insurance provider XXXX XXXX informed homeowners that they were exiting all personal coverage lines ( homeowners, auto, life, etc. ). The homeowners CANCELLED coverage with XXXX XXXX and ESTABLISHED coverage with XXXX XXXX. DITECH continued to pay premiums from escrow to XXXX XXXX. DITECH also began paying premiums from escrow to XXXX XXXX. Homeowners were UNAWARE that XXXX XXXX had failed to actually CANCEL the coverage as requested by Homeowners. Homeowners were furthermore UNAWARE that DITECH was DOUBLE-PAYING. Why would they be aware? DITECH is entrusted with escrow so as to service and monitor such things. If Homeowners had been handling their own premium payment this mistake would not have happened. DITECH made the mistake, not the Homeowner. NOW that the Homeowners have been made aware of the situation by DITECH, the Homeowners have rectified it in a timely and efficient manner. HOWEVER, DITECH is going to assess the Homeowner a LATE FEE?? AND it will reflected on the HOMEOWNERS ' CREDIT REPORT?? This is patently unfair and is just the kind of activity the CFPC, FTC, and the GA XXXX will want to hear about. It is in the same league as the recent XXXX XXXX case that is in the news this week. If DITECH is this careless with this Homeowner 's account, it probably is with others. DITECH, not the XXXX, made the escrow mistake. DITECH has been asked to CANCEL and REVOKE any and all late fees associated with DITECH 'S mistake - but they refuse. All the Homeowners want is for none of this to appear as a negative ding on any credit report and for the late fees to be revoked.
11/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85310	Web
Ditech is holding {$160000.00} of the insurance companies money. It belongs to me and to my contractor so he can repair my home from a fire that occurred in XX/XX/2018. Ditech has had the money for months which they insist I sign and endorse my part of the check so they could cash it. Now they are keeping it and won't give it to my contractor who has been paying for everything since XX/XX/XXXX. How is this allowed to happen. Ditech is the worst mortgage company on the planet and nothing is ever done about it. Why? I have filed other complaints on them and they are not required to respond and they just go on providing pathetic service, keeping money that doesn't belong to them, and they also don't allow you to pay additional monies prior to the due date online on their website without displaying incorrect loan information. Now Ditech is holding up the process of rebuilding my home and I am almost out of additional living expense and I need to move back to my home asap. I hope someone can help. I also owe very little on my home, approximately XXXX and it is worth over XXXX. Why is Ditech holding onto money that doesn't belong to them when I own the vast majority of my home. Why are these rich companies allowed to take advantage of consumers on a daily basis? Just another example of what goes on in America with no consequence for their actions. I am forced to move the remaining loan balance to another lender immediately in an effort to get away from Ditech. In my personal opinion and experience I consider Ditech a predator. I will never have another mortgage in this lifetime. I am tired of not having any rights and be treated unfairly. It's very unsettling and disappointing. I thought America was better than that but maybe not ...
03/19/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MA 010XX	Web
Ditech has refused to suspend the Foreclosure Auction on our property, scheduled in two days, on XXXX XXXX, 2016. They have not responded to any of the allegations in our first Complaint to CFPB other than to postpone for sixty days for a modification, which is not complete as we just finished our tax return. We applied for a preliminary injunction which was denied on notice grounds and because the judge said he was not convinced we could succeed on the merits, which is NOT the applicable standard of review. RAther, we have raised serious, substantial questions about the validity of our mortgage and note documents and a temporary STAY of the foreclosure is the only reasonable action. So Monday morning I will go back and try to get a ruling that Ditech is REQUIRED to meet with us in person pursuant to HUD regulations, as evidenced by the note they dropped off at our door asking us to " contact our office to arrange a meeting to discuss your account. '' Another person got an injunction yesterday based on that regulation, while my handicapped husband and our XXXX year old daughter were turned away by the same judge. This process is a DISGRACE and the CFPB needs to get more aggressive with these Lenders to force them to comply with the law. I called the Ditech supervisor TEN TIMES over the last two days and he refuses to call me back. If our home is sold on Monday I am going to sue everybody in sight, including the CFPB and the Massachusetts Attorney General, who is doing virtually nothing in this area for consumers, despite capturing XXXX and even XXXX dollars in judgments against the banks and lenders, for failing to protect our legal rights, and for causing extreme and ongoing emotional distress!!!!! XXXX XXXX DITECH telephone
08/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC XXXXX	Web
It 's quite simple. I held a junior mortgage secured by a residence where the borrowers ( XXXX and XXXX XXXX ) voluntarily said they could no longer make payments. With their consent and support, I foreclosed and was given a deed by the XXXX, but of course it was subject to the First Mortgage serviced by Green Tree Mortgage. Both myself and my attorney have been trying to get a payoff letter from Green Tree since XXXX XXXX. We have sent numerous e-mails, letters and left voice mails. We have contacted the attorney for Green Tree who is handling their foreclosure proceedings. We have indicated our desire for a payoff letter and our intent to wire transfer the full amount the same day we receive the payoff letter. That attorney, and Green Tree refuse to respond. Every day they hold on to their mortgage costs me money. Furthermore, they will obviously refuse to release them mortgage until they are paid in full, so I am obligated to pay for their " expenses '' of foreclosure including their attorney 's fees. So every day that goes by, my pay-off will be larger due to both accruing interest and their attorney & collection expenses. I believe this is nothing short of extortion. Their claim is that they can not provide me a payoff because I am not the borrower and there is a " privacy '' issue. But attorneys call mortgage companies every single day to obtain " payoff letters '' when an individual simply wants to refinance their note with another institution. This is no different. I simply want to pay them off, in full, as quickly as possible. I have intentionally omitted all names and personally identifiable information. But if you contact me, I would be happy to provide it in a secure manner so that you can help me. Please help!!!
05/02/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20910	Web	Older American
I had a house fire last XXXX ( 2018 ). I worked through my insurance company : they determined the amount of money for reconstruction of the house and sent the money directly to Ditech, my mortgage company at the time. When I presented with the contract to sign in XXXX to begin work, the project manager presented me with 2 checks from Ditech amounting to about 50 % of the total they had received. I was surprised, since the second check was due later in the project, but I was eager to get the work started and so signed both as requested. About 3 weeks later, Ditech sent a third check for a little less than one-half of the remaining money. I called Ditech and they told me to hold on to it until the right time, and then cash it. Unfortunately, that time hasnt come yet and the check expired in early XXXX. Ive been contacting Ditech since XXXX, both by phone and after the beginning of the year also their online submission. I havent gotten a satisfactory response. After Ditech transferred my loan to XXXX, I attempted to confirm the transfer of the claim money. Not all the money was transferred. I obtained check amounts by phone from Ditech and did the math. Not only was the amount of the uncashed check not included, but almost {$8000.00} was missing from the amount originally sent by my insurance company. I have sent emails with details, plus certified letters, but again, no response. It hasnt been that long since I sent these most recent queries, but given Ditechs Chapter XXXX status, and the lack of meaningful response since last XXXX, Im not hopeful. My accounting ( an estimate since I haven't been able to get any documentation ) is that Ditech is holding about {$43000.00} that they should have transferred to XXXX.
01/08/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OR 97267	Web
On XX/XX/XXXX an attorney representing Ditech Finncial LLC., and I reached a signed loan modification agreement. Subsequently, Ditech mailed out modification paperwork for me to sign which was incoorect. The agreed upon principle balance amount was incorrect. The agreement was to have the principle balance of the modification to be {$210000.00}. However, when the paperwork was sent out the principle balance was {$220000.00}. On XX/XX/XXXX I called into Ditech and spoke to XXXX at ext # XXXX and informed her of this discrepancy. XXXX acknowledged the mistake and informed me she would request a corrected loan paperwork package be mailed out. However, when the second set of papers were sent out, they were also incorrect ; Still showing the higher than agreed upon balance of {$220000.00}. I have since sent Ditech two written qualified requests, asking for this matter to be corrected but Ditech still has not conformed. I also asked for the new modified loan papers to only include my name only ( and not my ex wife ) as I have a recorded document with my county ( quit claim deed ) but, again this request also was not complied with by Ditech. Finally, in conclusion, Ditech also has illegally kept more than {$12000.00} in escrow overage for more than 3 years. I have sent written requests, asking for the excess overage to be refunded. Ditech has not returned these funds either. It is my opinion Ditech has not acted in good faith on many counts in their dealings with me on this mortgage account. I am including copies of all documentation. Please help me convince Ditech Financial LLC. to act in good faith and honestly to correct my account, without using their predatory practices in the future. Thank you sincerly, XXXX XXXX
08/01/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA XXXXX	Web
I had a mortgage with a local bank. The bank sold my mortgage to XXXX. XXXX in turn, sold my mortgage to Greentree who then sold my mortgage to DiTech. Since Greentree and DiTech squired my mortgage, I have accrued fees that are not applicable to me. DiTech sends numerous " invoices '' monthly with different amounts owed each time. I can not configure their amounts due nor can I figure out their billing strategy. As of XX/XX/XXXX my mortgage was to be XXXX. I send XXXX. This covers a late fee of XXXX. The remaining XXXX should be applied to my balance. It is not being applied to anything. My mortgage was to be XXXX until XX/XX/XXXX. This was not the case with DiTech. They started billing XXXX in XX/XX/XXXX. They then raised the payment to XXXX in XX/XX/XXXX. My estimation is that I owe nothing but my monthly mortgage to DiTech. I am not in arrears. My " funds in suspense '' should cover any and all late fees. Yet, they want to charge interest on my mortgage when all fees have been paid and then some. I can NEVER contact a manager. They call me all day long. I have blocked over 50 phone numbers. I want to call THEM and speak to a manager. They make it all but impossible to do that. Always transferring you to a voicemail. Was n't notified that my mortgage was being sold to a debt collection agency. I did not authorize nor would I approve of this action. Debt collection is for a debt that someone is n't paying. I 've paid my mortgage for 15 years, faithfully with a bump or two in the road and I always made good on possibly being late or missing a month. This all occurred many years before DiTech. XXXX paid XX/XX/XXXX for years because my birthday is in XX/XX/XXXX. I have checks for all months that DiTech claims non payment.
05/31/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29205	Web
The mortgage for my home in XXXX, AL, was serviced by Ditech Financial. On XX/XX/XXXX, I sold my home. On XX/XX/XXXX, Ditech sent a letter to my new address indicating that my loan had been paid in full and that a refund for overpayment or positive escrow balance would be mailed to me within 20 business days of the payoff date. On XX/XX/XXXX, Ditech autodrafted a mortgage payment from my checking account -- despite the fact that my account was " closed '' and " paid in full. '' I spoke with a Ditech customer service agent on XX/XX/XXXX, who apologized for the error and explained that Ditech had 30 days to issue a check to me to refund the erroneous autodraft. On XX/XX/XXXX, I called Ditech again to inquire about the status of my refund ; the customer service agent stated that my escrow balance refund check had been cut and was about to be mailed but that the mortgage payment refund check had not been cut yet and that Ditech has 30 days to issue that refund. On XX/XX/XXXX ( the 20th business day following the erroneous autodraft ), I called Ditech again to inquire about the status of the refund of the mortgage payment ; as the customer service agent started to tell me that Ditech has 30 days to refund that payment, she realized it was the 30th day/20th business day. She said the check had not been cut yet, but that it should be " soon '' and to call back the next day. On XXXX XXXX, I called Ditech again ; I have been advised that the check was cut on the night of XXXX XXXX and should be in the mail but that it could take up to 10 business days to reach me. I advised Ditech that I have retained an attorney to help me with this refund and that if I do not receive that check soon, they should expect to hear from my attorney.
07/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23669	Web
I went to work in XXXX in XX/XX/XXXX. I intentionally missed one mortgage payment, so I would not be overseas with no money. With my first paycheck I caught up on the missed payment along with the payment due for the following month. A few months later I noticed a {$5.00} fee on my bill, so I called to inquire as to what the fee was for. I was told I must request that information in writing, so I did. The response explained that foreclosure proceedings were initiated at my expense of {$55.00} and charged to my account at {$5.00} per month until paid off. I never received any notice of foreclosure and, because I have equity, I believe they were trying to steal my home in a very unethical and possibly illegal manner. I believe it was XXXX last year I accidentally payed my mortgage twice. There was no payment due but Ditech put my accidental second payment toward the XXXX payment instead of toward the principal. In XXXX of this year I received a bill with the statement date of XX/XX/XXXX and the due date of XX/XX/XXXX. I payed {$800.00} for a {$570.00} mortgage due. I then received another bill with a statement date of XX/XX/XXXX with a due date of XX/XX/XXXX. Why am I being billed twice for the same payment, especially after it was paid? Another issue is my interest rate. I have a variable rate and it has been increased by .5 % twice over the last two years. I have called several times for an explanation and to find out which index my rate is attached to. They refuse to divulge that information to me and I am put infinite hold each time. I wish to research the index my mortgage is attached to and see if the interest rate increases were valid. I believe, because of their elusiveness, that the increases are not legitimate.
06/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77479	Web
My complaint is with Green Tree. They are forcing an escrow on my loan after I was late with my property tax payment in XX/XX/XXXX. They say they sent me a letter requesting proof I paid the taxes. I never received any such letter last year. In XXXX, they paid my property taxes without asking and then sent me the bill in XX/XX/XXXX. I talked with their customer service and they asked me to send a request to remove the escrow. Then, XXXX XXXX who does their escrow 's for them made a request from our property tax, municipal utility and levy improvement district to return the taxes, saying they were paid in error. I have re-sent the same documentation to them XXXX times ( I have the fax receipts in my computer ) to rid myself of this unwanted escrow. I have called customer service again and again and for the most part they are helpful but have always asked me to send the documentation again to the same fax number as they " have n't received my documentation ''. Finally, in early XXXX ( the XXXX ), after I noted the escrow still had not been removed, I determined I had had enough of this. Back in XXXX when this started, I tried to just pay my regular payment, I was hounded by them to pay the remainder or they would report me as late, etc ... So, I sent them a message on their site in XXXX telling them they had XXXX days to get the escrow removed or I would seek assistance from the CFPB and the State of Texas. I reminded them of the $ XXXX judgment against them earlier this year and impressed upon them that I would be happy to be part of another judgment against them if they did not comply. I received a letter from them on XXXX saying they would contact me within XXXX days of the date of my email. They have until next Monday.
12/03/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	VA 23324	Web	Servicemember
Not that The CFPB has been useful any oother time I have submitted a complaint about Ditech but to create a paper trail for the lawmakers I will involve again here goes Ditech has refused to provide the pay off quote for my loan for the last 2 years. It started when it was noted misappropriation of funds that you were already made ware of and did nothing about. Now I have sold the house and scheduled to close in a week and Ditech is telling two different things again regarding providing the pay off quote again My guess is to fudge the numbers again. I don't really understand why the web refers the CFPB to help in situation with fraudulent services like Ditech and you have no enforcing power as one of your representative stated but whatever. In addition due to fraudulent activities detected on my account with a previous insurance company ( changing the policy three times in the same policy year with notification to me ) Ditech no longer pays my insurance directly I do to ensure the matter does not repeat .Ditech every yearstates to provide proof of insurance and whenI do they demand that the mortgagee be listed Ditech Finacial LLC and its affiliates and or assigns. I have requested in writing for over 2 years the name of the affiliates and have never received a reponse. therefore Ditech was removed as the mortgagee for failure to disclose.However, Ditech called my current mortgage company and requested that it be applied again and that if I call to have it remove to cancel my insurance, ODD when I hazard insurance is required for the loan but then I get a notice stating that now itech provides Hazard insurance and they can cover me. I declined and remained with my current insurnace and had Ditech removed as the mortgagee
06/05/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	PA 18018	Web
My husband and I separated in XXXX 2014. We have a XXXX mortgage with Greentree XXXX. My husband did not / is not helping me financially with any of the bills we had. I contacted Greentree and requested forms to apply for a modification based on XXXX income XXXX mine ). They wanted the divorce decree. I had n't filed for divorce at that point due to the financial state I was in. I was granted a quit claim deed and my husband signed off on the house. My XXXX mortgage company XXXX XXXX XXXX quickly issued me a modification based on XXXX income. Greentree would not accept the quit claim deed and wanted my husbands financial information. I explained to them he does n't live there anymore and will not provide me with his income or expenses. He then was out of work with absolutely no income from mid XXXX thru late XXXX. I have tried to provide everything and anything to Greentree to request assistance with paying my XXXX mortgage and they refuse to do anything until I provide a divorce decree. I have filed but am in the 90 day waiting period that PA has for divorces. I receive telephone calls on my cell phone, and at work, at the minimum of XXXX to XXXX times a day. I always get the same person ( XXXX XXXX and she is very nasty and likes to remind me that I am a mother and need to keep a roof over my sons head so I need to pay my bills and she is a single mother and manages to do it, why cant I? I have blocked every number possible but they still get thru and leave numerous messages on both my cell and work voicemails. I am current with my XXXX mortgage and certainly do n't want to lose my house over a {$14000.00} loan that I can repay with a little assistance. They refuse to work with me and harass me every day of the week.
01/25/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	VA 239XX	Web
I reached out to Green Tree in hoping to get some answers on a home loan. I was contacted by XXXX XXXX in the XXXX, NJ office. I gave him my social security number, income, address and all necessary information to run my credit. He replied back to me with my credit score and that he would get back to me with a financial plan. I waited over 5 days to hear back from him, meanwhile the realtor is awaiting this information. I had to send him a follow-up email on the status. He stated, " Good luck, you will need it. '' I then got upset because his customer service skills were horrible. I advised him I would never deal with him or Green Tree due to his poor communication skills. At XXXX, he then sent me another email stating, " I truly apologize. I did n't like the tone of your email and gave you a nasty reply. It was childish and I was wrong. So I am sorry. I had a rough day, your email set me off, and I made a mistake. I thought we did try to help you. If I recall, you said there were items on the report that were n't yours. We sent you a copy of the report so you could see what was on there. We could n't do anything based on the report and your resulting income to debt ratios. So I thought we tried helping you by letting you know what was on there, and apologize if you think we did not. There 's nothing I can do to remove those items. You will have to get in touch with the credit bureaus to see why they were showing up. That seemed to be the main issue and you will have that issue with any lender, as those items will continue showing up on your report. Again, I apologize sincerely and hope you have a good night " I am writing you this email so you know what type of employee XXXX is. Thank you for your time.
01/09/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33455	Web
Our client, XXXX XXXX XXXX submitted a loan modification on XXXX XXXX, XXXX. Proof of same attached. Her sale date was not until XXXX XXXX, XXXX. After cooperating with Ditech and opposing counsel with the clarification and ongoing submission of documentation, along with filing a motion on XXXX XXXX, XXXX ( Emergency Motion to Cancel the Sale ) based on CFPB guidelines, we finally got opposing counsel to confirm the file was facially complete and sent an agreed order cancelling the sale to Judge XXXX on XXXX XXXX, XXXX. Unfortunately, XXXX XXXX did not receive the order and the sale went through. We then filed our objection to sale on the basis that there was a pending loan modification review AND that we had oppossing counsel 's agreement on XXXX XXXX, XXXX. We had a hearing on our objection on XXXX XXXX, XXXX. Opposing counsel lied to the Judge that we did not file a motion to attempt to cancel or stay the sale ( we did on XXXX XXXX, XXXX ) and opposing counsel lied and indicated they did not have all the documentation necessary ( which they did and confirmed via email re : same and attached ). Opposing counsel also indicated to the Judge that our client was NOT on the mortgage when in fact she was. The XXXX did not weigh in our favor and his decision was based upon incorrect information. As a result, our client is being threatened by the new owner when we are in the process of filing a motion for rehearing because the Judge did not have the proper facts to make an informed, fair decision. We ask for your help in that we need this opportunity and support so to file a motion for rehearing and have the certificate of title vacated as all was done as a result of incorrect information. I have attached emails in support.
08/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 63367	Web
1. Green Tree purchased our mortgage from XXXX at the end of a Chapter XXXX bankruptcy. ( XXXX/XXXX/2015 ) Payments to Green Tree began on XXXX/XXXX/2015. 2. At the end of bankruptcy, we sought to refinance the house to save $ 600+/month in payments. 3. Green Tree has a " policy '' to " not report for the first 90 days after service transfer. '' As such, payments were made to Green Tree ( for which they have all proof and documentation, but we will also provide canceled check copies ). However, no payments were reported to credit bureaus. This is in a letter we received from Green Tree dated XXXX/XXXX/2015. ( We will also provide a copy of the letter. ) 4. Because of post-XXXX mortgage rules in the Dodd Frank Act, a refinance can not be done unless payment history is unbroken. The 90-day-gap that Green Tree creates in payment history means that their customers can not refinance to another company! As a financial institution, they would know this. This has kept us from re-financing with other lenders. 5. Therefore, this constitutes a XXXX where a consumer is unable to leave the patronage of Green Tree Servicing LLC ( This is a criminal action! ) due to the Dodd Frank rules. Green Tree purchases a mortgage, creates a gap in credit history, and that renders customers unable to leave their service. 6. We simply want Green Tree to report payments they received to the credit bureaus. This would allow us to re-finance. Presently, this is costing us an additional $ XXXX. If this continues much longer, we will also be forced to take civil action to recover some of that monthly cash flow. We have XXXX children in college, this year - we need that money, desperately. We ca n't afford to be held hostage to XXXX like this.
04/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	RI 02905	Web
I enrolled in a bi-weekly auto payment program service provided by the mortgage company that services my mortgage, Ditech. The first withdrawal was to begin on Thursday, XXXX XXXX, 2016. Ditech began withdrawing payments one week early on Thursday, XXXX XXXX, 2016. This caused a serious financial problems for me as I live on a very tight budget. I had already committed that money that Ditech withdrew a week earlier than promised to other creditors. This resulted in bounced checks and serious financial hardship for my family. I contacted Ditech on Friday, XXXX XXXX, 2016 to inform them of their error. I was promised that the money would be returned to my account in 3-5 business days. The Ditech associate could not explain why the Auto-Pay error had occurred, but had promised me that the money would be returned immediately. On Friday, XXXX XXXX, 2016-five business days later- Ditech had still not refunded my money. I immediately contacted Ditech only to be told that paper work had not been submitted on XXXX XXXX as promised, but was submitted on Monday, XXXX XXXX and that my money would be in my bank account by Monday, XXXX XXXX. Ditech did NOT deposit my funds. I called Ditech on Tuesday, XXXX XXXX for an update on the status of my refund. I was told that paper work was submitted and that I would have to be patient. I explained to Ditech associate that I have been patient for XXXX days and that their mistake has caused me serious financial hardship. I was told that " there is nothing that can be done you need to wait for your money and that everyone makes mistakes. It has now been two weeks since Ditech has taken my money, promised me a resolution within 5 business days and refuses to offer an excuse or my refund.
03/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 087XX	Web	Servicemember
Ditech has constantly mismanaged my escrow fund account. I received an Escrow Account Disclosure Statement, dated XX/XX/XXXX. I had an escrow surplus of {$6400.00} as I had more funds than needed to cover my minimum escrow balance. This statement said that I would receive a separate check for this surplus amount, as long as my account was current and if my account was past due, the surplus funds remain in my escrow account. My account was current and I did not receive a refund check and although I did not receive a check the surplus funds did not remain in my account. The first attachment is this statement. The second attachment is my escrow history where even though I had an escrow surplus, ditech was constantly doing an escrow advance and then an escrow advance repay to make it seem that my escrow account was in arrears. The third attachment is my payment history that shows that my escrow payments were incorrectly or not at all applied. The fourth attachment is an Escrow Account Disclosure Statement, dated XX/XX/XXXX showing that I have an escrow surplus of {$7900.00}. The negligence and misappropriation of funds by ditech needs to be addressed immediately along with an explanation of where my {$6400.00} surplus from last year, {$7900.00} surplus from this year, along with all of the escrow advances and repays is, including why there were escrow advances and repays when there has been an abundant surplus all along. And before ditech says that they are not servicing my loan as of XX/XX/XXXX, I am very well aware of that. This is not a complaint about the future. This is a complaint about ditech while they were servicing my loan and the mistakes that were made by their company and documented during that time.
06/23/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 243XX	Web
I am having problems with DiTech Financial LLC. I have had nothing but problems with this company for months now. They supposedly restructured and changed my account number and my loan is supposed to mature XX/XX/XXXX and my payoff amount is over {$6000.00} and I have never missed a payment since XXXX. They now claim I owe money for my escrow which has never happened in the past 13 years. They made the changes with restructuring and said I had to have my autopay changed because they no longer could process biweekly payments so I sent paperwork to make a full mortgage payment once a month and for 3 months the payment never came out so I mailed payments to keep from getting behind then once I started complaining about the payoff amount being wrong they suddenly biweekly drafted a full payment in one month almost overdrawing my checking account. I have been calling and they all say they are researching my account to see why the payoff amount is so high to give them 5 to 7 days and they will let me know something I have called never get to talk to the same person then everyone is submitting a dispute claim for me yet no one has done that yet I have no answers after a month now when I call and give my account number their computers crash and they will call me right back as soon as they reboot which has happened with 5 different customer service agents and never gotten a call back. Then when I called back about the autopay the systems crashed again so no one can help me. They are taking my money and doing nothing to research and fix this problem.They changed my autopay draft date without my permission. I am tired of the lies from every customer service agent and getting no help. Please help me with this corrupt company.
02/28/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32404	Web
My home was devestated by hurricane Michael in XX/XX/XXXX. In XX/XX/XXXX, I overnighted the insurance check in the amount of {$24000.00} to Ditech along with an overnight return envelope ( as instructed by Ditech ). After some confusion as to what the balance for the mortgage payoff was, it was determined to be between {$3000.00} and {$4000.00}. I was told it would take 14-16 business days to receive a check for the approximate {$20000.00} remaining after the mortgage was paid in full. This is the money to fix my home so that I have somewhere to live. I am XXXX and cant affort to continue my trustee payments and pay for additional housing. After numberous phone calls to Ditech that always end with no definitive answers, I did receive ( postmark XX/XX/XXXX ) my title to the mobile home which was dated XX/XX/XXXX. I have made at least 6 phone calls to Ditech since early XXXX when I received the title, all of which I asked to speak with a manager, and they have given several different reasons for the delay, including that accounts were frozen because of the company filing for chapter XXXX bankruptcy. No one returns calls or knows what any other department is doing. Yesterday I was told that the check was mailed to me on XX/XX/XXXX??? They didnt send it in the prepaid addresses overnight envelope that they requested so I cant track it. Now they would have to reissue the check and that would take 14 more business days. Why could they not tell me that it had been mailed when I called ... all the times I called? I think they are trying to buy more time and this has taken long enough! Ive read several other complaints about Ditech filed here with your agancy and it seems that further investigation is certainly warranted!
08/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	ME 040XX	Web	Older American
Two years ago I was forced to file bankruptcy. I decided to keep the house out. I had a first and a second mortgage. The company that held the first mortgage worked with me a did a loan mortification. Ditech Financial held the second mortgage. I tried for almost a year to get them to do a loan modification and never was able to get them to approve it. They constantly told me they had not received documents that I had sent several times. I finally got to the point that they were able to confirm they had received all the documents requested. They then told me that the time period since application had run out BY ONE DAY and I would have to re apply. I decided to sell my house because I could not take it anymore. I received an offer on the house. I wanted to know what I owed on both mortgages so I could make a decision as to except the offer. I did not want to except an offer that was not enough to pay off both notes. I called the first mortgage lender, XXXX, they gave me a verbal over the phone and said they would mail out the exact figures at no charge. They gave me the option to expedite by fax for a cost of XXXX dollars which I declined I called Ditech, not only did they refuse to give me a verbal they told me it would be 10 business days before they could give me a payoff. I now have an offer on my home which I have 24 hours to except or decline. I have no idea what the payoff is on my second mortgage so I can not make an informed decision. Depending on what Ditech charges me to pay off the note I might very well have to bring money to closing to sell my home. I have owned my home for 13 years and never missed a payment until about two years ago. I would be glad to furnish my account number upon request
07/31/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 27401	Web
My loan was originated XXXX XXXX, 2006 with XXXX XXXX XXXXXXXX Lender. The interest rate at that time was 8.5 % on an adjustable rate mortgage which I expressed was high but the Loan Officer with XXXX Mortgage assured me he would refinance the loan in 6 months to a fixed rate. Well to no avail, I 've been trying since 2006 to get help with this loan because the interest rate is now 11.13 % which is totally ridiculous. This Loan Officer also falsified information on this loan as well. He stated this home was my primary residence which he knew it was n't since I live in XXXX and the home is located in XXXX where my Sister resides and has ownership interest in the home. I simply want the interest rate lowered so the payment is affordable. I 've applied numerous times for a loan modification and been denied for so many different reasons including, it 's not your primary residence, you make too much money, now I 'm unemployed the excuse is my credit score is too low and the income provided is n't enough which was a rental income option Di-Tech suggested and still turned me down. These companies play the paper game and have no intentions of helping the consumer. I have yet to know who the actual note holder is. XXXX XXXX XXXX denies being the owner, as well as Bank XXXX who XXXX said they sold it to. This home is probably worth $ XXXX if that with a monthly payment of almost {$900.00}. I have several entries on my credit report stating I 'm in the arrears over $ XXXX and have a balance of over $ XXXX being reported by Di-Tech and other Loan Servicers in the past. I need help so badly with getting this loan resolved. It 's ruin my credit and caused so much stress. Any help you can offer would be greatly appreciated.
07/25/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	MI XXXXX	Web
Dear Staff, Greetings and thank you for your service. This transmission is to report that the original complaint # XXXX was not resolved. The issue and problems from the original complaint is way beyond the {$22.00} late fee indicated. To recap, in the fall of XXXX, Ditech Corp. indicated there was a {$900.00} shortage in the escrow account connected to my mortgage. This caused an increase in the mortgage payments from {$1000.00} to the tune of {$1100.00}. Ditech Corp. paid {$4900.00} in property taxes to the municipality erroneously, when the correct amount was under {$3300.00}. Subsequent communications with the company, by phone and in writing revealed that the company was not applying entire mortgage payments to the account ; between {$790.00} and {$930.00} was, and is, still being held in abeyance by the company. The company continues to send me default notices and invoices demanding amounts of {$250.00} and over {$2000.00}. The most recent communication from the company is a new escrow statement dated XXXX/XXXX/XXXX demanding more money due to a shortage in the escrow account of over {$900.00}. The new monthly payment is projected to be {$1100.00}. Please note, no mortgage payments have ever been missed. All payments have been made in accordance with the terms of my grant from the State of Michigan Step Forward program. I do n't owe any extra money. My property taxes, nor hazard insurance, has increased. The original error from the winter was never corrected. My monthly mortgage payments are still being split between payments. Invoices issued by Ditech to me indicate I 've missed two monthly mortgage payments when this is not true. Unsolicited loan modification papers and threatening letters continue.
10/14/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 721XX	Web	Older American, Servicemember
XX/XX/2019 my home flooded. It took two months to get a flood insurance preliminary proof of loss. The POL was sent to first mortgagorXXXX XXXX Disaster loans for endorsement. XXXX sat on the check for 5 weeks before sending it back to me because I was informed they had me send it to the wrong address. The check came back XX/XX/XXXX and was forwarded to Ditech Morgage who told me they would have it back to me in 5-7 days. Ditch received the check XX/XX/XXXX. The check was forwarded with a letter explaining that I had been flooded out of my home for 5 months and the reasons why, a copy of the Proof of Loss, and a copy of the bids for hvac, electrical, and plumbing repair, which is the same thing I forwarded to during the previous flood four years ago. On XX/XX/XXXX, Ditech calls and demands copies of contractor licensure. This was not required for my last flood loss only 4 years ago. It is my belief that Ditech, a mortgage company in bankruptcy, is simply tieing up my payment in their bureaucracy in order to use the money in the interim and stall as much as possible in paying me so I can repair my house. I have been out of my home for 5 months. There is no power or heat there. I am living in a rental, losing the income from the rental and making payments on both houses, both the rental and the one that is uninhabitable. Winter is coming on, and if I dont get my home repaired, the plumbing may freeze & burst causing yet more damage, caused by Ditechs delays in forwarding my fema repair check. I need some help getting Ditech to release the check. Ditech loan # XXXX XXXX XXXX loan Ditech phone number XXXX Policy # XXXX Claim # XXXX Property Address XXXX XXXX XXXX, XXXX, AR,XXXX XXXX XXXX XXXX XXXX
06/10/2020	Yes	Mortgage Other type of mortgage	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NY 11356	Web
My name is XXXX XXXX, on XX/XX/2011, I received an offer from Green Tree Bank ( 2nd. Small amount Loan ) They offered me to pay {$20000.00} as settlement in full on the account, and they will applied to our remaining balance of {$77000.00}, so I took the offer and it was sent by wire transfer the amount to Green Tree from my account in XXXX XXXX, the amount that they were requesting so I verified by phone with a Green Tree Bank specialist the amount and the receipt of the money, and they were supposed to send me a payoff letter or release the deed of trust mortgage, I waited and called many times requesting these documents but never sent me anything, Green Tree Bank closed their operations in U. S. I am still wondering how can I have the release, no one gives me an answer I called many times to explain this situation to many numbers, right now Im in a process to get an Home Equity Loan with XXXX but now they said that a have a Lien in the record of my property that needs to be resolved of $ XXXX which was the original amount of my mortgage with Gree Tree Bank, so that looks that they never process the payoff and release the deed, Im confused right now because I dont know what Im supposed to do, which company I should call. Green Tree bank was sold to Ditech bank. Ditech bank was sold to XXXX. I have called XXXX and they do not have any records, however, they are working with XXXX XXXX and XXXX XXXX. Please help me resolve this problem and get the release letter or remove the Lien. I will send you proof of the payment and the letter of the agreement we made in 2011. Please if any additional information is needed dont hesitate to contact me anytime to my cell phone XXXX or via email to : XXXX or XXXX XXXX
08/03/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CO 80525	Web
I wish to file a long overdue complaint against XXXX XXXX XXXX and Green Tree Servicing LLC, now Ditech Financial LLC. I apologize that this is happening so late and I wish I had more pieces of documentation to include, as I have spoken to so many people over the last few years and was told I had no other options and thus, I foolishly shredded some of the old forms when I also had to purge some of my mother 's old documents. However, I kept my log notes and with that, I will construct as detailed of a timeline as I can to explain how horribly I have been treated by both companies and how my health, current mortgage and living situation are all still being impacted by this ongoing display of poor communication, truly unconscionable customer service and what appears to be all-around unethical business practices. I have witnessed extreme unprofessional behavior and poor communication as well as feel I have been treated unbelievably unfairly for over 6 years by not XXXX, but XXXX companies ; though all are inter-related in regards to my initial application for the Making Home Affordable Program in XX/XX/XXXX, up to the present as my mortgage and supposedly also my HELOC has transferred hands now 3 times, even after I was told my HELOC was closed in XX/XX/XXXX. Yet, each company blames the other. yet offers me no formal options and has prevented from refinancing, as I am still sitting at 7.125 % interest and have dealt with so much, both XXXX and financially these past 6 years and this is my last hope for justice and resolution. I am not sure what exactly to mark below, as you will see this complaint/issue crosses several areas. Please refer to my very detailed letter and all of the subsequent attachments.
01/28/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	VT 054XX	Web
In XX/XX/XXXX I attempted to make my mortgage payment online using the same savings account I had used every month and it was declined due to " invalid account. '' I verified the account number and it was correct. I contacted Ditech and they told me the only way I could use the account is by having the bank contact Paymentus, their online payment system and verifying the account. I was able to have a representative from my bank fax over a statement that the account number was valid and the Ditech Representative took the payment over the phone and waived the fees for making a payment over the phone. XX/XX/XXXX I attempted to make my mortgage payment online and learned about a week later it was returned for the same issue. I contacted Ditech and they set up reoccurring payments using the savings account over the phone for the next 3 months ( XX/XX/XXXX-XX/XX/XXXX payments ) and waived the fees for paying over the phone XX/XX/XXXX and XX/XX/XXXX I made payments online using the same savings account with no issues. XX/XX/XXXX- I made a payment using the same savings account on XX/XX/XXXX and only learned when i checked my balance on XX/XX/XXXX that my payment was returned for invalid account. They did not send me any notifications that this payment had been returned. I contacted Ditech and they told me they were not going to be waiving any more fees and I would need to take this issue up with Paymentus because it was a problem on their end or on my bank 's part. They refused to verify the account or routing number that I used and stated that I would either need to figure it out with Paymentus or pay them from another account. I have no other way to pay this bill and they are refusing to take my payment.
07/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 96080	Web
Our mortgage was sold to Ditech about a year ago and we 've had nothing but problems. I logged on to check my principal balance on XXXX/XXXX/16 and saw my current amount due was {$7700.00} XXXX our monthly payments are {$1900.00}!! We pay bi-weekly and not only are we AHEAD on payments, the money is automatically deducted out of our checking account. We have NEVER missed a payment and NEVER been late. I called customer service on XXXX and spoke with XXXX ( ext. XXXX ) who told me it was a software glitch and would be corrected in 24 hrs. Two days later on XXXX when it still showed delinquent I called back XXXX XXXX ext. XXXX ) and was told it was due to a software upgrade a few months prior and it would be corrected by the end of the month. At this point I 'm XXXX, but there 's nothing I can do. I am reassured there is no problem with my mortgage and I wo n't be reported as delinquent. Three days after that ( XXXX ) someone COMES TO MY HOUSE to deliver me a delinquent notice on my mortgage. My husband and I are LIVID at this point. And mortified. After researching my principal balance, I show where the balance goes down as expected, and then shoots up {$3000.00} a few months later. I again call and speak to a representative who said the payments we made that were n't applied to my account ( but were held as " un applied funds '' ) were later applied incorrectly and my increased balance was due the re-allocation of the funds. How is that allowed?? I called to request an audit on my account and I was told all I can get is a print out of my payment history. I do n't know how they can XXXX around with our mortgage like that without any accountability, even embarrassing us by sending someone to our home!
09/18/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	OR 97267	Web
HelloI would like to place a complaint againstDitech Financial llc. XXXX, PA. XXXXAfter receiving information from my prior complaint I need to expand it to include other parties. For reference previous case # XXXX. In XX/XX/XXXX I put an offer in of XXXX to purchase a short sale property at XXXX XXXX XXXX XXXX XXXX , OR. XXXX from XXXX XXXX XXXX. I Put earnest money down and had a pre approval with 20 % down. On XX/XX/XXXX XXXX XXXX XXXX countered with XXXX witch I immediately accepted and signed acceptance documents. On XX/XX/XXXX we were finally contacted and surprisingly met with another counter demanding XXXX dollars more for the property. Brining it to a total of XXXX. Unknown until my prior complaint XXXX XXXX XXXX had sold the lien to Greentree financial who has now merged with Ditech Mortgage Group. So as well as XXXX selling the property lien when they had an agreement with me I am finding that greentree / Ditech are being very unreasonable as well. My Realtor has sent a comparable analysis report for the area showing the inflated price is way out of line. I have photo documented the extensive damages and provided average repair costs. Both listing agent and my realtor have argued that this is unethical and unrealistic. But all this has been ignored by the lien holders involved. There has been little communication and no cooperation from the new lien holder Greentree / Ditech. I have read complaint after complaint about greentree / Ditech and do n't want to be just another complaint. I am looking for help on what can be done or I can do to make a difference. There is a number of properties in my area that have been vacant for years and now I understand why. Thank You for your timeXXXX XXXX
07/03/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 33175	Web	Older American
Ditech took over servicing from Greentree. They did a refi under Harp on my loan # XXXX on XXXX XXXX. On XXXX XXXX they debited my escrow account for the balance owed to me ( {$2000.00} ) because the new loan did not require an escrow. The payment never arrived and during two weeks they kept saying that the check was in the mail and finally XX/XX/XXXX they said that it was probably lost and that I should wait 30 days from XXXX XXXX to request a replacement check.. which I did on XXXX XXXX. At the time they did not say that they had not mailed any of the refi related checks because " the other Company '' did not print them. I found this out after ward on XXXX XXXX when I spoke to a supervisor and asked about the status of ny refund. She told me about the mess and that they were working on the checks that should have been issued in XX/XX/XXXX and that mine would not be reissued until Saturday XXXX XXXX Bottom line : They lied to me and everybody else for three weeks XX/XX/XXXX Did not issue escrow balance refund checks as per closing agreement. I told them that I want my check delivered to me not later than Friday, XXXX XXXX. Conclusion : Their " error '' can not be justified. I need my money. Thank you for your assistance. You helped me before when the Company was " Greentree ''. I believe that they are just as bad. Their customer service letters arrive unsigned within two weeks acknowledging receipt of my complaint and stating that " they are working on it '' Thank you once again!!!!!!!!!!!!!! Note : This incident did not happen during the application process, the loan closed normally on XXXX XXXX, 2016. I could not find any of the choices that you offered on your website suitable for this problem.
05/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60302	Web
To my dismay I noticed an erroneous reportings on my XXXX credit bureau for myself, my Dad and my Mom for a fictitious .I called a representative at XXXX XXXX XXXX customer service number, she indeed confirmed this was an error and confirmed the following details : The loan was originally with Ditech Mortgage , it was scheduled to transfer to XXXX but never transferred because the truth of the matter is my Dad refinanced from Ditech in XXXX of 2019 with no delinquencies prior and neither me or my Mom were even on the loan when Ditech was the mortgagee. I dont know how my mom and I were even on Ditechs record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my Mom, Dad or I never received any correspondence from XXXX, or Ditech about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to XXXX, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. XXXX is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.
07/04/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30281	Web
I have NEVER EVER been late on my mortgage. I set up an automatic bill pay through my online banking and every two weeks they get a payment from me. I alway pay a little over and I am 2 weeks ahead. DiTech, the mortgage servicing company, misappropriated my payment a couple of months ago. I have called them on numerous occasions and each time they look into the record, they see what has happened, and tell me that they have to submit the issue to another department to rectify the problem ( place the payment in the appropriate account ). After a while, they begin to tell me how behind the department is and that is why the payment has not been correctly appropriated. However they still assure me that everything is alright. Then the following week I am getting emails and phone calls about the same issue. I am told the computer is automatically generating the calls and letters, but rest assured everything is okay. Finally I spoke with a Supervisor, who tells me that she sees the problem and that the previous advisors had not contacted the right person, she is going to contact the department head and I should not have any more problems. Now, I am concerned because they have started charging me late fees and my statements show I am thousands of dollars behind. The final straw was that I am now receiving letters from a collections agency, which greatly concerns me, because that means this is showing up on my stellar credit report. I am livid now, because we work hard to pay our bills on time, we work hard to keep good credit and to have this happen while they are getting my payments every two weeks is appalling. Can someone PLEEEAASE help me straighten out this mess! Please explain my rights or options.
11/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77581	Web
My mortgage from XXXX XXXX was sold to Ditech Financial XXXX this year, but not before making a mistake on the Escrow Analysis that raised my payments almost {$200.00} a month. I call Ditech in XXXX and informed them of the error, but they informed me they could not do anything for 45 days. I was sent a letter from Ditech informing me to send a check for the first payment, and Auto-pay would be implemented the following month. I did that very thing. The check cleared on XXXX XXXX, but my account was not credited. I later received a notice from Ditech Collections citing my payment past due. After numerous phone calls, XXXX representative was very helpful to me and discovered my payment had been credited to the wrong account ( this was the first part of XXXX ). She assured me it would be resolved immediately. I also had requested an Escrow Analysis on XXXX XXXX. I received an Escrow statement dated XXXX XXXX citing an overage of {$1900.00}, and a new monthly payment that was about {$3.00} more than my original payment to XXXX. I was to get a refund, but that was to be used for my account if it was not current. I have called Ditech numerous times to check the status of my account, and to date they still have not updated my account and consider it past due. I have not missed a single payment and have provided proof of payment three times. They have consistently told me they " ca n't do anything at this time '' regarding most of my requests. I have been very deliberate in my discussions with them, but have never been insulting nor have I cursed them. Supposedly their phone calls are recorded. Regardless, I have just today received my bill for the XXXX payment, and my account is still listed as past due.
03/23/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30066	Web	Older American
I am assisted with my mortgage through an agency. Since I am XXXX, XXXX, and on a XXXX this helps me pay my mortgage. GreenTree Mortgage bought my mortgage from XXXX Mortgage XXXX year ago. I have my mortgage amount debited out with auto pay from my credit union and the agency sends the balance through their account which is automatically deposited in Greentree 's account from their bank. Periodically Greentree has called me and asked me where was the agency 's payment and I have told them to call the agency. In XXXX I received a call from XXXX at Greentree XXXX asking me for XXXX 's payment from the agency. After calling the Agency and being advised by them that Greentree should look through their lists of bank deposits and my telling Greentree what they said. I also told them that my portion was being discontinued as of XXXX XXXX and just the agency was paying the full amount. I was asked by XXXX to send proof with the letter sent to me by the agency, along with a cancelled check, my bank statement showing the amount deducted and a letter stating that I no longer wanted the amount I had been paying deducted out of my account. Greentree still deducted the payment and after I called to ask when they were going to reimburse me I was told by the Customer service rep that because I had blackened all the transactions on my bank statement they would n't send me a refund. That I needed to send them a bank statement without the blackening of my transactions. I responded that I did n't blacken the amount withdrawn by Greentree and I believed my transactions were private and there was no need for Greentree to know my business. To this date, I have not received my refund and they are not returning my calls.
01/08/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	IN 47265	Web
We purchased ( {$110000.00} ) this property ( XX/XX/XXXX ) with XXXX XXXX ( LOAN # XXXX ) of XXXX IN ( XXXX ). Sometime after closing and moving in we started getting mail from a company named 'Ditech '. We called XXXX and they explained that our loan had been sold and we should just continue sending payments and they'll be sent to the proper company automatically. Then our auto payments stopped so we called ( XX/XX/XXXX ) and they walked us through setting up payment under the new " servicer ''. Then Ditech mistakenly, admittedly, took out SEVERAL payments ( XXXX-XX/XX/XXXX when you figure up the $ $ they cost us in fees to break even with the payments due ) at once instead of the once per month as agreed and explained to us. It drained our entire bank account and the children 's ' savings ' accounts. We were charged several overdraft and balance transfer and daily below XXXX balance fees and the company would not speak to me ( XXXX XXXX, XX/XX/XXXX wife since XX/XX/XXXX ) because 'my name is not on the loan '. When my husband ( XXXX XXXX XXXX XXXX ) called they told him there was nothing we could do to get our money back so he said 'fine then no more payments until you tell me what is going on with my money '. And we shut off the auto pay. My husband has never received a Notice of Default from Ditech and we do not accept any calls from them as they are not our Original lender and we would not have agreed to be affiliated with such a shady company. I'd say we have plenty of evidence to show why we don't feel comfortable paying this company any longer.. https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : //XXXX
05/03/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 77449	Web
I have been working with Ditech Mortgage company on doing a short sale of my home due to my hardship and XXXX. I was approved for my first loss mitigation application and when submitting the first contract to ditech they denied the sale contract and did not notify myself nor my realtors title company. We called numerous times through the first process and no one called nor emailed back. Here it is XX/XX/2019 and we have been working on a cash offer for the short sale of my home. Ditech tells me my application for loss mitigation is now out of time and I need to resubmit. Working hard the realtor, title company and myself to get all documents to them via fax, email and an overnight package. Calling Ditech everyday some days twice a day and speaking to different reps every time. We now get my home is set for foreclosure due to lack of information and there is nothing they can do. So I was not called nor emailed for any updates on my chart, nor did they submit anything we were sending to the underwriter. I have contacted the account executive of XXXX XXXX for Ditech and was told someone would contact me today XX/XX/2019. And again I have yet to get a call to complete the cash offer for the short sale of my property. Please help in my situation I am a divorced and now single parent raising XXXX kids and can not believe the mortgage company has done this to me in my situation. I was told to file a bankruptcy and it will slow process so we can get the short sale completed when Ditech told me to release my bankruptcy they would approve me for a short sale because I tried to do a modification and couldnt afford it due to injury on my job and divorce. Again no one called nor gave updates on file packet.
08/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48178	Web
My automatic payment from XXXX Bank to Ditech Financial was not applied to my account on XXXX XXXX for XXXX XXXX 's mortgage payment. I was not aware of this until XXXX XXXX. I had XXXX Bank fax over proof of payment on XXXX XXXX. After contacting multiple customer services representatives, including XXXX XXXX, my first account supervisor on XXXX and XXXX. I was told it was being processed. XXXX Bank resent the proof of payment as we were told by XXXX, a customer service rep, that the original was unreadable. This was done on XXXX XXXX. After speaking to XXXX in South Dakota ( XXXX, his supervisor sent an e-mail to expedite this ) on XXXX XXXX and XXXX in XXXX on XXXX XXXX, I was told that the ball got dropped and they are now processing that payment. Finally, as of XXXX XXXX, the payment was credited to my account as an " unapplied amount. '' My payment history is now showing a missed payment for XXXX XXXX rather than applying the misapplied amount to that payment. As a result, I am now receiving collection notices via phone, mail and on my front door for a missing payment that was never missing. I have also continued making on time payments since that date and my account payment history reflects this. My current statement shows my next payment is due XXXX XXXX and I assumed my account was current. However, the collection notices are still being sent and I am worried about the effect this will have on my credit as well as my peace of mind. There are many notes attached to my account at Ditech that support the fact that the fault of the missing payment is not mine and the customer service reps have all validated this. However, the collections department does not seems to be aware of this glitch.
02/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32225	Web	Older American, Servicemember
This is the letter I sent to DiTech : Ditech Financial LLC XXXX, SD XXXX To Whom It May Concern : How unhappy am I ... let me count the ways. This is the most awful, inept mortgage company I have ever dealt with. 1. When I would send in additional principle as part of the free automatic payment the funds would not be applied properly until I called to complain. 2. I sent in a payment one month and the processor misread the check, charged me a {$1000.00} over what I sent in, then argued with me that it was my fault. I eventually had to talk to a supervisor who said I was correct and the clerk misread the check. 3. I sent in additional principle funds another month and it was applied to my next month 's payment, even though I specifically filled in the payment instruction portion of the statement with my check. 4. I asked for the name and address of the CEO or President and was told they could not give me that information. 5. Last year Ditech paid my hazard insurance late and I had to pay it myself to ensure there would not be a gap. 6. Your company paid my flood insurance without my permission. It is an arbitrary insurance which is my responsibility not Ditech 's. 7. If I wanted to pay my monthly payment online I am told there is a {$12.00} charge. This is the first company I 've dealt with ( and I 've dealt with a lot ) that has charged to have me give you money. When I inquired about my payoff amount which is {$940.00}. They want to charge me over a {$1000.00} for escrow even though I will not owe any more principle. If I ever have another reason to take out a mortgage, I will ensure that my mortgage is never sold to Ditech. I would appreciate a response. Sincerely, XXXX XXXX XXXX
04/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78723	Web
I am enrolled in a " Bi-w eekly Advantage Plan '' mor tgage payment program with XXXX XXXX . It is administered with XXXX XXXX agency a member of XXXX XXXX . I had trouble with them last year because they were using the wrong account number. I managed to get that resolved after repeated phone calls and hours on the phone. They would tell me they would be contacting me but never did. I had to call repeatedly to get results. I am having issues with them now because my mortgage company, DItech, has not received the XXXX payment in the amount of {$1300.00}. Ditech said they are going to report it to the credit bureau. XXXX let me know my payment was late around the middle of XXXX . I called XXXX on XXXX XXXX and they ( XXXX ) to ld me they were aware that a check they sent to Ditech had not been cashed. XXXX gave me a XXXX tracking number for the check they said was delivered on XXXX XXXX . I called XXXX and they looked up the tracking number. There was no such number with XXXX or the US postal service. I called XXXX on XXXX XXXX and talked to XXXX . He said he would escalate the problem and I would hear back in 24-48 ho urs from XXXX the supervisor. I never heard from XXXX . I called XXXX again on XXXX XXXX and talked to XXXX . She said there is no supervisor or manager for me to talk to and that she would have someone call me back. She also said a new check would be mailed today, XXXX XXXX . I called Ditech to let them know. They said that they will be reporting late payment to the credit bureau. Considering XXXX 's track record I do not expect them to get the check out as promised. I am very concerned about my credit rating.
01/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 365XX	Web
In XXXX 1996, I and my then spouse signed a mortgage contract with XXXX XXXX XXXX. The loan was soon bought by Greentree Servicing and recently, Greentree changed over to Ditech. I have been divorced for approximately five years and in the divorce decree, the judge granted both the land and home to me. This divorce was granted through notice of publication since the whereabouts of my spouse were unknown. The mortgage contract ends soon and the payoff is currently little more than {$5000.00}. With this being the case, I attempted to speak with a representative from Ditech regarding some questions about the mortgage and they refuse to speak with me and answer my questions because they claim I am not on the loan. I signed the mortgage, and all relevant notes necessary in obtaining the original financing. I have offered to provide them proof of every statement I have made herein so that the disputed issues such as escrow activities can be audited and an accounting provided. The whereabouts of my former husband are still unknown to me. It is my sole desire to have a true audit of this account so that I may determine a legitimate payoff amount. Lastly, since the inception of the original loan I have increased my credit score to a point significant to have qualified for a reduced loan rate through refinancing but due to the failure of this lender to even communicate with me, I have been denied the opportunity and thus been penalized by being frozen at the rate of the original mortgage. This in itself has cost me several thousand dollars. As a woman, I feel that I have been discriminated against for this reason. The mortgaged property is located at XXXX XXXX XXXX, XXXX, AL XXXX in XXXX County
07/14/2015	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	AZ 85053	Web	Older American
On Saturday, XXXX XXXX, XXXX, My wife and I went to our bank to apply for a re-finance of our home. I was told : " You have no credit reporting. '' My reply was : " I have a mortgage that I 've been paying on for twenty years. " " Whomever has your mortgage is not reporting any payments. '' was her reply. Upon returning home, I checked my XXXX credit scores. Green Tree Servicing has never reported any of my payments. Upon calling Green Tree Servicing, I was routed to a half dozen different people before some really rude woman came on to tell me that I had never filed a reaffirmation with XXXX after my bankruptcy in XX/XX/XXXX and because of that, they were not required to report my payments to the credit scoring agencies. I had filed bankruptcy in XX/XX/XXXX while still a customer of XXXX Mortgage and sent them a letter assuring them that I wanted to reaffirm with them, I had never missed a payment until I requested a Loan Modification from XXXX. The Loan Modification was completed and granted in XX/XX/XXXX, two years after my bankruptcy. With XXXX continuing to take my payments and granting a Loan Modification in the aftermath of my bankruptcy, they effectively accepted my reaffirmation,. In XX/XX/XXXX Green Tree bought my mortgage and stopped reporting, Now they want me to go to court to reopen my bankruptcy and do a reaffirmation with them, before they 'll begin reporting again. Three years after they bought my mortgage, they tell me this. This is effectively holding me as a financial hostage, because XXXX XXXX XXXX is no longer reachable. Now if I want to get any credit at all I 'm stuck, with only my mortgage payments as proof of my credit history. I hate being strong armed.
08/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL XXXXX	Web
Hi - I am dealing with Greentree Mortgage Servicing trying to get a loan modification/deed in lieu since XXXX 2014. I have had them call me numerous times and rather than assist me, they have hung up on me when I answer the phone. I was have been sent several contradictory papers which are all very confusing. When I try to call of course my phone is traced and I go directly to the collections department and I am yelled at and hung up on. I was recently approved for a loan modification but when I called to get specifics as to how it works I was told I was approved for a 40 year adjustable rate mortgage. I asked why I was not advised of this in the beginning. The gentleman I spoke to never explained why. Several days later I received a call back explaining that was incorrect but this was AFTER the paperwork was supposed to be turned in. I did receive new paperwork but it had the same OLD dates on it. I called to verify that I could send in the paperwork. Again, I was only allowed to speak to XXXX my account manager after pleading to speak to someone in loan modification department. He refused to transfer me an assist me. I called back and was told my phone number was tracked. I then borrowed a phone and used it to call one of the extensions I had been left via voice mail in the loan modification department. I never to this day have received a call back. I finally received a call from XXXX and he assured me he would call me back at noon the following day since my cell phone gets no reception at work. He did not call me until XXXX. I then called him on Monday my day off. I am trying to get assistance with my mortgage payment from Green Tree but it seems as though they do not want to help.
02/03/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60440	Web
I received an annual escrow account statement indicating of yet another shortage on my escrow account with a shortage amount of {$7200.00}. This is not the first escrow shortage on my account in the span of two years of our stay in the property prior entering the loan. The first escrow shortage was caused by an error on Ditech 's side which they admitted wherein Ditech was paying a different parcel number/property with my escrow account that resulted to having my property put on tax lien and my escrow account into a negative ( for reference I have my initial CFPB complaint from last year Case number : XXXX ). Ditech settled it by disbursing a check to pay for the delinquent property taxes and taking my property off tax lien, I thought all is good after that but I was shocked when I saw a {$7200.00} shortage on my account again this year. Now my question is what happened to my starting escrow amount/buffer ( please see attached document ) after the initial error occurred? To figure out what happened I tried requesting for an escrow analysis from XXXX since my online account only shows an escrow analysis for XXXX and XXXX but the customer service agent ( XXXX ) resisted to provide, in which I don't understand because I started my loan back in XXXX. Please help cause this is causing so much stress on our family, I tried settling this with Ditech by phone in multiple occasions but none of those interactions was helpful in fact each of the customer service agents I have talked to was just adding confusion into the mix and leading me to believe that I have entered the loan with a negative balance on my escrow but can not provide proof, if there are other documents needed please let me know.
06/01/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CO 80249	Web	Older American, Servicemember
I purchased my home in XX/XX/XXXX, I got a first and second mortgage ( the norm then ). When XX/XX/XXXX came around I realized that my retirement was gone in my 401k and the company I worked for fired all of us. In XX/XX/XXXXI ended up filing chapter XXXX. I called the first mortgage company and said I wanted to keep paying on that debt in order to keep my home. I called the second mortgage company and said i could not pay them and would be filing on them as well as other debtors I had. Everything was fine and my bankruptcy was discharged in XX/XX/XXXX. I was able to acquire a HAMP mortgage through my first mortgage company which took effect in XX/XX/XXXX and remain in my home today. My issue is that I have applied for a reverse mortgage ( taking advantage of the increasing equity in my home ) and all was great except the new lender found that I have a lien on my home. The lien is from the holder of the second mortgage ( XXXX XXXX then bought by Green Tree Financial then bought by Ditech now ) and they have sent me letters reminding me that I am NOT responsible for the payback of the mortgage due to the statute of limitations that expired. I called Ditech and they corroborated the fact that I am NOT responsible for the repayment of the loan and admitted they have a lien on my home BUT they refuse to release the lien even though I am not responsible for the repayment that was discharged through my bankruptcy in XX/XX/XXXX. Is there anything you can do for me in regards to this problem? Is this a normal situation? Im sure they want to take advantage of the high home values in my area and get paid again ( since their insurance must have covered them from the initial 2nd mortgage loan ).
05/01/2017	Yes	Mortgage VA mortgage	Trouble during payment process	SC 29016	Web	Servicemember
Our Mortgage Stateme nt for XXXX XXXX XXXX h ad went up by {$620.00}. Calle d XXXX XXXX to find out it was due to our escrow account the taxes portion. For XXXX our home was listed as an income property which made the taxes to up significantly by XXXX . On XXXX XXXX XXXX I went to the tax accesor office to correct this issue. I received a copy of the corrected tax amount with my tax number. I was advised to send the copy to ditec h Mortage to have this issue corrected as well to lower my mortgage to the correct amount. The amoun t copy was sent to ditech mortgage on XXXX XXXX XXXX . After speaking with the escrow department I was advised to give them 21 day 's to correct th is issue as well for the month of XXXX I will still have to pay the {$1800.00}. Which I paid on time. Now for the month of XXXX this issue almost 60 day 's later has still not been resolved. On XXXX XXXX XXXX I contacte d Ditech Mortgage a gain regarding this issue. Also sent the exact same paper again dated XXXX XXXX , XXXX . Currently Ditech M ortgage wants another 21 day 's to correct this same issue. Financially I am in able to afford to pay another an extra {$620.00} For a third month. I have attempted to speak with management in the escrow department 3 times. Which no one is ever available to speak with. I have requested and waited for a return call back fr om Management and I have not received one. I have also contacted the county as was advised that a check has been sent to Ditech regarding the over payment dated XXXX XXXX XXXX . I gave ditech Mortgage the check number, bulk amount and as well as the amount that was issued for my account.
12/13/2017	Yes	Mortgage FHA mortgage	Closing on a mortgage	PA 186XX	Web
I had an FHA Mortgage with Ditech. I refinanced through a different lender, XXXX XXXX XXXX XXXX. A payoff letter was requested from Ditech dated XX/XX/XXXX and it listed a principal amount of {$180000.00}, interest of {$750.00} and Pro-Rated Mortgage Insurance Premiums of {$250.00} totaling {$180000.00}. It stated the amount was good through XX/XX/XXXX. As of XX/XX/XXXX my Escrow account had {$1200.00} in it. On XX/XX/XXXX XXXX paid an MIP/PMI of {$120.00} from my Escrow account. After receiving the total amount requested in the payoff letter on XX/XX/XXXX Ditech sent me a letter stating they would pay outthe remainig amount from my escrow account within 20 days. On XX/XX/XXXX they added {$310.00} into my Escrow account and then cut me an escrow refund of {$1200.00} on XX/XX/XXXX. When I had not received it leaving a balance of {$120.00}. When I called Ditech about the remaining amount they said it would cut to me on XX/XX/XXXX which is the 30 day mark to close the escrow account out. I had not received the check on Monday, XX/XX/XXXX and went on line to look at my account and saw that Ditech took the remaining {$120.00} for another MIP/PMI payment. This totals 4 MIP/PMI payments that they have taken for the close of my mortgage. I called and spoke to customer service on XX/XX/XXXX and was told that MIP/PMI payments were always 2 months in arrears. I know when took this mortgage out originally I had to pay two MIP/PMI payments up front at that closing in XX/XX/XXXX. Now they say I could send it in writing to the Customer Service Department but they wo n't refund that money because they never do. This is outrageous that they take money that is not due to them and get away with it.
11/13/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CT 06851	Web
This is regarding my mortgage servicer DiTech Financial LLC which was formerly Greentree. A month ago I got an escrow notice from DiTech that said I owed them {$2100.00} additionally for escrow. The prior year I had given them an additional XXXX to cover escrow shortages - which made sense as my insurance and taxes went up. This year my homeowners insurance did not go up and my taxes also stayed close to last years amount, therefore if they were able to pay my bills last year with the monies taken out of escrow why then do I need to pay them an additional {$2100.00}. As a result, I called and took on the personal liability of my homeowners policy - a {$1200.00} amount no longer needed to be pulled from escrow. I got a revised statement saying that I now owed them {$1900.00} for additional escrow monies. My problem is that this does not make sense, my escrow amounts did not go up significantly and I took {$1200.00} out of escrow payments. The mortgage servicer knows what my homeowners and taxes are - they are close to the same every year - so how can have made such a big mistake in collecting the required escrow monies with the resultant shortfall of {$1900.00}. Now not only do I have to pay {$1200.00} to my insurance but I am pretty much still paying close to their original amount. This makes no fiscal sense. I tried to get them to see this and ask how this is possible but get no satisfactory answer. From a servicing standpoint it is their job to know the amount that would be required for escrow. As a consumer to be all of a sudden asked for an additional {$1900.00} out of my budget is shocking and unfair as I have been paying all along. There should have been little to no change.
12/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33143	Web	Older American
My property sustained damages during Hurricane Irma in XX/XX/XXXX. XXXX XXXX XXXX XXXX finally paid the claim in XX/XX/XXXX. Ditech received the endorsed check on XX/XX/XXXX, per overnight courier. That check was in the total amount of {$120000.00}. There was a previous amount in the escrow of {$19000.00}. That was paid on XX/XX/XXXX. They sent a check in the amount of {$2100.00}, on XX/XX/XXXX Today XX/XX/XXXX, they have not released any other funds, in spite they have had all the paperwork uploaded to their website as directed. The payment included roof replacement and other repairs to the structure of my property, however, there are payments included that are not related to the repairs of the home, like pack out, move, personal property etc. Those funds should have been disbursed to me immediately as they have nothing to do with the actual repairs, and it is my money that they are floating. It is beyond abusive. It is illegal. In the website under my account, the escrow, shows all the deposits, but a XXXX balance. Needless to say, I am very concerned. Ditech came out of Chapter XXXX in XX/XX/XXXX, and was delisted from XXXX on XX/XX/XXXX. I have no protection whatsoever on my money, which they are holding illegally. Every time I talk to them the result is the same ... .they take 14 days to process, etc. I am frustrated and angry. I have a perfect payment history with these people. They are not a bank, the mortgage is actually owned by XXXX XXXX, they only service the account and that does not or should not give them the right to hold unto any monies whatsoever. This has to change, as I know I am not the only one in this situation. Perhaps we need a class action law suit!
01/17/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78130	Web
I have been trying to get my Private Mortgage Insurance Removed from my mortgage since XX/XX/XXXX when my mortgage dropped below 80 % loan to value. Last year my mortgage was sold from XXXX XXXX ( Under mortgage # XXXX ) to Ditech Mortgage ( account # XXXX ). I reached out to Ditech via a email ( after being told to do so via phone representative ) request to remove my PMI on mortgage on XX/XX/XXXX and received no response at all from them, I even checked my junk box and nothing was there. My mortgage papers that I signed state an " Automatic Termination of PMI '' that states once my loan is below 78 % loan to value PMI will automatically terminate ( I have attached this document ). I reached out again today on XX/XX/XXXX to make this request via phone and was told initially to send the request that I already sent it too. I asked to speak with a supervisor and after being put on hold for about 30 minutes, I finally spoke to one. They told me that my loan to value must be under 70 % loan to value and that was their policy. After reading this document to the supervisor, I was told that " they don't have that document on file ''. She ( XXXX XXXX ) sent me a link to send her the form I have. I did so and just told me that I'll be hearing from them in 7-10 business days. Given their past history, I highly doubt that I will hear from them. I did mention to the supervisor and ask her why they weren't staying compliant to the homeowners protection act and she said nothing. From my understand this act requires mortgage companies to drop off PMI once loans are below 78 % LTV and the loan is current. I qualify for both of those items and don't understand why this is such a difficult task.
04/29/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48197	Web	Servicemember
In XX/XX/XXXX we g ot a mortgage with XXXX XXXX who sold to XXXX XXXX XXXX ,who sold to XXXX XXXX : With none of these banks did we have an escrow ! I currently have a filed complaint against XXXX with this department , complaint number XXXX : This complaint today is against Ditech to whom XXXX sold my mortgage to: As in the complaint against XXXX , ditech was sold my mortgage with an ESCROW in which was illegally initiated by XXXX ! However Ditech collected my escrow and kept placing my monthly mortgage payment into an escrow ! At the same time I notified them that I have no escrow and asked why they kept placing my regular monthly payment into an escrow instead of paying towards my mortgage! They explained that they didn't know why but would ask some bigger management why! Six months go by and the supposed escrow was over paid and I was told I would get a check returned for a specific amount overpaid! Yet my monthly payment continues to go into an escrow! I will fax the proof after I receive a number to refer to this complaint! I filed a complaint against both XXXX and ditech about this matter with department of insurance and financial services: FIRST OFF< YOU CANNOT MAKE PAYMENTS TOWARD A MORTGAGE FROM AN ESCROW ACCOUNT WHICH THEY DID! THIS IS ILLEGAL and all funds must be returned and this contract made void! from XX/XX/XXXX to XX/XX/XXXX , their st atement show all my payments went into the escrow! YOU CANNOT MAKE MORTGAGE PAYMENTS FROM AN ESCROW! IT IS ILLEGAL ! The only thing you can pay from an escrow , is taxes or insurance! Over XXXX went into escrow! Suddenly it disappeared in XX/XX/XXXX !!! Th ey are scammers!
05/29/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 91106	Web	Older American
I applied for a refinance of a mortgage loan secured by an investment property in XXXX. The property is vested in the name of my revocable trust. I applied with GreenTree Servicing, my current loan servicer, which in turn got XXXX involved. During the application process, an employee of XXXX and then a couple of days later a title company employee asked for a " full copy '' of my trust agreement. When I asked the XXXX employee what her authority was for the request and asked whether they would accept a trust certification or memorandum of trust, I never received a response ( see emails attached ). Upon being asked by the title company, I did some research and learned that the law in XXXX is the same as XXXX where I reside. The XXXX statute 46A-10-1013, provides : " A person making a demand for the trust instrument in addition to a certification of trust or excerpts is liable for damages if the court determines that the person did not act in good faith in demanding the trust instrument. '' I offered to provide a trust certificate. As I see it, asking for a copy of the full trust agreement was unfair and made in bad faith. I am a XXXX so I know that conditioning the approval of the transaction upon the receipt of information that a lender is not otherwise entitled to could be viewed as abusive. How many unsuspecting borrowers are being asked to provide this information when a lender has other options and is clearly not entitled to receive it??? When is GreenTree going to get its act together? I cancelled the loan application and am looking to refi with another lender because I do not want to do business with any company that can not conform its activities to those that are lawful.
10/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77573	Web
A new escrow analysis was done and returned a {$700.00} house payment increase. It was discovered that Insurance and Taxes were incorrect. When DiTech took over from Green Tree servicing ( XX/XX/XXXX ), the computer system change over some how double payed my insurance, which caused the increase. Also, when my Tax escrow was computed, Ditech did not take into account My homestead AND XXXX person ( since XX/XX/XXXX -- XX/XX/XXXX on the current property ) exemptions as well as a TAX FREEZE. Over several Phone calls speaking with customer service manager XXXX @ ext # XXXX, 5 attempts were made to recompute escrow. Because of Ditech error, not all insurance and processing fees were returned to my account ( approximately {$2300.00} ). Full documentation for county Tax computation was FAXed to Ditech but even with correct information, they insisted an approximate {$500.00} increase in payment. The credit reporting agencies have also been informed of 30 days late status. This is the first time being late on my house payment, and since I am in the process of applying for a car loan, the information has impacted that process as well. Please be aware That XXXX has been trying and not been able to get my problem resolved. She is as frustrated as I in this. She is not far enough up the chain of service managers to get to the bottom of the problem. I honestly believe she is not at fault. Between {$2300.00} and incorrect TAX computation, that ALL parties involved agree was originally caused by the Computer system change, I ca n't believe it should be this difficult to correct. The additional fallout of the credit reporting agency notification makes it an order of magnitude worse.
01/28/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	IA 50265	Web	Older American
I was accepted to the XXXX XXXX XXXX XXXX program in 2003. I do not pay my property taxes until I pass away or sell my home as this helps me stay in my home while I'm XXXX. My mortgage company keeps paying my property taxes, then asking for a refund, and reapplying it to my escrow account. While this is happening my mortgage payment changes to {$1000.00} from the correct amount of {$690.00}. I have tried to stop the billing by XXXX XXXX XXXX program and was told that was not possible. I have made at least one call per month and often many more trying to get Ditech to reverse the payment, correct my escrow, and apply my house payments correctly. I have to Fax each item to them or Ditech just says they didn't receive the letters. They have destroyed my credit history. They reported that I was two house payments behind, when I had paid the correct amount on or before the 1st each month. They reversed the credit information, but several accounts had been closed due to the misreporting. XXXX XXXX XXXX XXXX program supervisor said as soon as they receive the request they will have the check back out in 1 week. Ditech Tax Department told me that when they receive the refund they have 60 to 90 days to correct the escrow. They have already taken my XXXX payment {$690.00} and applied it to the XXXX payment {$690.00} to cover the incorrect amount of {$1000.00} that I was billed for XXXX. So now it appears that I haven't paid my XXXX payment at all. I don't know what else I can do. I have to have escrow to cover my FHA insurance. As long as I have an escrow account they will continue to pay my suspended property taxes. I have been trying for 3 years to get this resolved. Please help me.
07/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 20176	Web
I made an extra payment to my mortgage servicer, Green Tree Servicing, on XXXX/XXXX/15. Green Tree applied the correct amount to my current payment, but they did not apply the extra amount, totaling {$360.00}, to reducing the principal. They are essentially sitting on the money, doing nothing with it. I submitted an online inquiry to Green Tree, but only received an automated reply stating that they would get back to me within XXXX days. I also called Green Tree 's customer help line today. I explained the situation to the operator, and she assured me that she would have the {$360.00} applied to reducing the principal. However upon checking the account online this evening, I see that nothing has changed. Note that Green Tree 's web site states : " You have two ways to pay additional toward your principal. One, you can choose biweekly payments to pay down your home loan faster. XXXX, even if you choose monthly payments, you can pay extra any month. If we receive a payment larger than the amount due, we apply the additional amount first to any outstanding fees and then to your principal balance. '' However, the operator I spoke with today stated that Green Tree does NOT automatically apply extra funds to reducing principal. I see that CFPB and the FTC have fined Green Tree for illegal and unethical practices XXXX. Green Tree acquired my mortgage, which is in good standing with zero late payments in its XXXX year life, from a reputable lender. Green Tree has been difficult to deal with from Day 1. I urge the CFPB and FTC to use your power to steer other lenders, as well as XXXX XXXX and XXXX, away from doing business with this shady operation ( pun intended ). Thank you.
10/22/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 131XX	Web	Older American
This complaint involves XXXX XXXX XXXX and Greentree, ( Ditech ). We received a HAMP loan, when we requested a HARP loan! This started with XXXX XXXX XXXX and attempting to complete a HARP loan. The problem was, they kept shift the servicing agents on us, transferring the paperwork, losing paperwork, resubmitting paperwork, losing that paperwork according to the next servicing agents, then finally contacting the " Office of the President '', Vice President, calling on a every other day check-n, he leaving or being transferred, paperwork lost, and then being transferred to Greentree as our servicing company. We started the paperwork again after approximately 12 or 14 months, asked for a HARP loan with them, moving towards foreclosure from Greentree. Then finally with no to little time left on foreclosure, recieved paperwork from Greentree, special delivery, to sign for the loan. Not understanding, no explanation was given what a HAMP loan was, but told we must sign these papers and get it back to them or foreclosure was going to happen, soon. We signed the loan. Received the statement of additional costs added onto the loan because it was a HAMP loan for an addition balloon or additional fee of {$110000.00}, which was incorrect since we did only owe for the 14 months of non payment while trying to change the loan through XXXX and being stalled and stalled and stalled. We believe we were conned by the bank, stalled by the bank and then given no other choice other than sign the paperwork and be penalized for something we DID NOT ask for. We have not contacted an attorney asa of yet and wanted to share this with the governing body before we start a class action lawsuit.
12/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22655	Web
We refinanced our mortgage in XXXX of 2016, utilizing Ditech 's option of having payments automatically deducted on our checking account bi-weekly. In addition, we added an additional XXXX dollars over our minimum monthly payment. Ditech pulls out XXXX every two weeks. We have had nothing but trouble with ditech. We receive late notices every other month, along with late payment fees of XXXX for each month they determine our loan is " late ''. We call ditech each time to express our frustration, and they refund the late fee, but the problem still continues. Despite requesting ditech pay for our credit reports and send them to our house, this has not happened, as ditech simply tells us they can see our credit report and there are no late fees listed on it. Today, XXXX, a customer service supervisor acknowledged the issue is on ditech 's end, as she can clearly see every two weeks the money is pulled from our checking account. She further stated that some accounts have issues on the bi-monthly payment system. This is not our fault as a consumer. They offer bi-monthly payments as a service we take advantage of. There is a flaw in their billing system for bi-monthly payments, yet they continue to offer this service. XXXX informed us that while she wishes we would not have this problem anymore, it will probably continue to occur. We have NEVER been late on this loan and this is extremely frustrating. We desire a mortage company that can accommodate bi-monthly payments, and we were signed up to have this service, however ditech is unable to maintain this service on their end without charging us late fees, even though money is taken out every two weeks from out checking account.
05/16/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95123	Web
DITECH MORTGAGE AKA XXXXXXXX MORTGAGE CONTINUES TO AGRESSIVELY AND IN A VERY HARASSING MANOR TO ATTEMPT TO COLLECT A DEBT ON THE MORTGAGE BACK FROM 8 YEARS AGO THAT WAS SETTLED THROUGH A SHORT SALE. THEY KEEP REPORTING A FULL BALANCE ON CREDIT REPORT RUINING CREDIT REPORT AND CAUSING A GREAT FINANCIAL DISTRESS TO ME AND MY FAMILY. THIS NEEDS TO STOP IMMEDIATELY!!! Name : DITECH FINANCIAL LLC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Past Due : {$55000.00} Acct Status : 120+ DAYS PAST DUE Hide Details GREEN TREE XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : 120+ DAYS PAST DUE Account Owner : Joint Account High Credit : {$120000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Mortgage Credit Limit : N/A Terms Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$55000.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$710.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 70 Creditor Classification : Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency : XX/XX/XXXX
01/12/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	TX 77550	Web	Servicemember
I requested a payoff amount for my mortgage and finally saw a payoff letter online in my account. Their system will NOT allow an online payment less than the usual automatic auto-payment amount ( I've dealt with them on this before! ) and to be very clear on what payments were made, I waited until my auto-payment was deducted on XX/XX/19. Then, I made an online payment of the balance of the pay-off amount in my pay-off letter on XX/XX/19. The payoff amount is good until XX/XX/19. I am very excited and anxious to get the release of my mortgage so thank goodness I am watching this carefully. Yesterday, I get an email with my new monthly statement. It reflects my XX/XX/19 auto-payment and shows the final payoff amount I paid as an " unapplied amount. '' The " more information '' under that says that they will hold these funds until the next payment due date, which for my account is XX/XX/19. Past my pay-off date, which would mean there would be additional nominal fees needing to be paid. This is completely unacceptable! When I made the online payment, I indicated that it should be made on XX/XX/19 - if they aren't going to apply funds when indicated by the customer, rather just apply them per the usual schedule, they need to make that clear. Actually, they shouldn't be allowed to hold customer 's payments past the date the customer indicated - they are earning interest for those days held, ill-gotten and illegal gains, in my book. I have hated every dealing with this company for the last few years since they bought my mortgage. They have incredibly XXXX and misleading practices for customers that I think are appalling. Please investigate them and DO SOMETHING!
08/25/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 95610	Web
I made a complaint in XXXX XXXX. Regarding Green Tree Servicingin applying my mortgage payments holding themand claiming that they arenot being paid when I made the complaint with you the filds but the third party of my payee and nod I was not even notified until I pulled title from the title company what is going on pictures my payment for being taken out of my account not being applied to my mortgage my loan modification was approved in XX/XX/XXXX from XXXX XXXX I made my complaint with you they started backdating documents not applying credits over XXXX {$180.00} plus several more XXXX that were true compared to my payee and they are stillcontinuing a hardship on me and I need them to cease and desist on harassing me I have my phone calls they have never ever sent me any document as such I have asked him several times for my receipts on my payments I have my bank statement for being such payments to them they are to be treated with distrust I can not get through to anybody but one person always direct me to a specific person named XXXX XXXX XXXX need you guys to look into this company they by their phone numbers say they are changing their name company name I have not been notified nor have I been notified of it in OD on my own property and they are still continuing taking my friend Fund 's thru my payee and not applying my account gave it to a a company by the name of XXXX Services Incorporated XXXX XXXX California I have never been contacted by themthat might be green trees continues calling me on a regular daily basiswill you get ahold of this company and have some action happen my name is XXXX XXXX XXXX I 'm in XXXX XXXX Californiathey can contact XXXX XXXX XXXX
11/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT XXXXX	Web
I have had a mortgage with Ditech XXXX since XX/XX/XXXX. I paid my mortgage each month using my XXXX. I have never been late or missed a payment. In XX/XX/XXXX, I logged on to my account at Ditech Financial 's website to check my property tax distribution only to find out that my account had been cancelled. I called Ditech Financial 's XXXX number which provided me an automated response informing me my account had been sold and advised me to contact a new XXXX number. I called the XXXX number as advised, and reached XXXX, I spoke to a representative there who advised that Ditech and sold my mortgage to XXXX in XX/XX/XXXX. I did not receive any sort of notice or phone call advising that my account had been sold. Please note that I had been making payments to Ditech after the account had been sold to XXXX. ( XX/XX/XXXX - XX/XX/XXXX ) The representative at XXXX told me that Ditech had forwarded my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to them but not the XX/XX/XXXX payment. I am currently showing delinquent on my XXXX account and have been reported late to the credit reporting agencies. My XX/XX/XXXX payment to Ditech XXXX cleared my credit union account on XXXX/XXXX/XXXX in the amount of {$1400.00} and according to XXXX has not been forwarded on to them. I have now contacted Ditech Financial numerous times to assist me in locating my payment and have been advised that they sent it to XXXX but needed to do further research. It has been almost XXXX weeks since I first contacted Ditech regarding my XX/XX/XXXX payment. In the meantime, I am receiving collection calls almost daily from XXXX and, as I mentioned before, am past due and am getting no where with Ditech.
07/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 645XX	Web
Yesterday I received notice from XXXX, a credit reporting service I use, that my mortgage company, Ditech Financial LLC, had flagged my credit account for several " 30-day late '' and " Not more than two payments past due ( 2 ) '' negative designations. I have never been 30 days late mailing my monthly mortgage payment to Ditech, Green Tree, XXXX, or any of the various mortgage companies that have held my mortgage over the past 20 years. Ditech has flagged my account to give the false impression that I have a history of being late with my mortgage payments. When I tried to investigate these false accusations, none of the XXXX credit reporting agencies would allow me to check my credit report online for free, even though I was informed my credit file contained erroneous info. I tried to call Ditech, but their customer service people were off for the weekend. I tried to send them a message on their website, but was told the message option was n't working, so I had to call. I will call Ditech again Monday evening after I get off work. But here and now, I am respectfully requesting that I be allowed to view each of my XXXX credit files at no charge to see how many times my credit has been false marked with negative information and I am disputing any and all late payments. Thank you. XXXX, XXXX, MO XXXX P.S. One of the alerts I received yesterday indicated my XXXX 2016 mortgage payment was 30 days late. I am uploading my cancelled check which shows I was not 30 days late with my XXXX 2016 payment. Let me know if you need any other documents in order to prove that I do n't have a history of late payments. I 'll be glad to upload or mail you anything you need. Thanks again.
11/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 971XX	Web	Older American, Servicemember
On XX/XX/18 and XX/XX/18 Ditech my mortgage company sent me letters saying I had to increase my flood insurance at XXXX XXXX XXXX otherwise known as XXXX XXXX XXXX or they will find me insurance and it could be expensive. I immediately took action calling and also leaving messages at least five times with XXXX at my flood insurance company. She refused to call my mortgage company but she told me the old policy had to be paid off first before any changes could be made. I called and emailed Ditech at least five times giving them this information. They finally told me the flood policy would be paid off from escrow within five business days after I got a notice of cancellation because it had not been paid by XX/XX/18. My flood policy expires on XX/XX/18. On XX/XX/18 my flood insurance called me and XXXX had me pay a small amount ( less than {$40.00} ) for the extra coverage on my policy by credit card even though I said I have an escrow account for this. On that same day I got a letter from Ditech dated XX/XX/18 accusing me of ignoring their warning letters concerning flood insurance and informed me it will cost me {$210.00} ( includes XXXX XXXX ) and this would be on top of the {$340.00} or so I already pay for flood insurance. Since then I have called Ditech ( again ) asking to speak to a supervisor but was told by customer service that nothing could be done until another escrow analysis takes place ( that includes the higher insurance they got me ). I emailed them yesterday twice with no reply so far. I am reaching out to you because this is the third mistake my mortgage company has made in a year and I dont have much faith in them to resolve this matter correctly.
05/27/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	OR 97527	Web
My home that I live in in XXXX, XXXX at present recently sold, it is closing on XXXX XXXX, XXXX. Originally XXXX was the XXXX lien holder who sold note to XXXX XXXX XXXX then Green Tree Servicing then currently Ditech is the servicing company. There is also a XXXX mortgage on this home that is serviced through XXXX whom is reporting in good standing and was originally serviced by XXXX then XXXX XXXX XXXX. XXXX is not showing any bankruptcy what so ever. I am working with my lender on a new home in XXXX, XXXX which is to close around XXXX XXXX. XX/XX/XXXX I was discharged from bankruptcy court filing chapter XXXX but kept my home that I 'm selling and a rental property in XXXX which is serviced through XXXX XXXX, always has been. For some reason none of the properties were reaffirmed and of course it is to late because banks wo n't let this happen after discharge. I have every intention of following through with my loan obligations. While working on a new loan with my lender for the purchase of the XXXX home we have discovered that Ditech is not reporting my good standing to credit bureau. This is affecting me in regards to getting the best possible scenario in a loan. I 'm in desperate need of your help in talking to Ditech by XX/XX/XXXX as that loan is getting ready to be paid off. It would be beneficial for them to report on my behalf. My attorney that did my BK called XXXX XXXX ( XXXX property ) XX/XX/XXXX to help me to get them to report to credit bureau because of same scenario. They are now reporting me in good standing to credit bureau. I Have worked hard to regain my credit and good standing. If you can help in any manner it would be greatly appreciated.
06/03/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70726	Web
DiTech Mortgage ( previously GreenTree Mortgage ) amounts are being reported incorrectly. There are " deferment interest '' amounts that were not authorized or agreed upon at any time during the life of this loan. There are " reverse cash payments '' listed on the account payment folios, i.e. payments sent via XXXX XXXX , direct bill pay services-CASH ONLY SERVICES, all listed under Reverse Payment-CASH. I have requested an explanation as I am contesting the validity of the amounts. I was given time frames and in such fashion, returned a response within the time given. The company missed their own postmark date from my initial correspondence for the time they allotted themselves to respond. They then tardily responded stating there would be an investigation to my inquiry and a resolution and response within 10 days, however the company has decided to first grant themselves an extra 30 days outside of the previously stipulated 10 days to respond and then following ( prior to that expiration ) with a " threaten to foreclose '' if the amounts are not paid to them. DiTech has been just as much of a nightmare as GreenTree was. The harassing phone calls, condescending tones, threats of foreclosures -- all while the account is supposed to be " current ''. Calls beginning on the DAY PAYMENTS DUE, or their " FRIENDLY REMINDER CALLS '' turning into some outlandish conversation that causes more stress than the fact that there has been no relief from these companies yet. There 's absolutely no proof of their bogus charges, or how you can reverse cash payments, etc-yet they are allowed to " legally '' foreclose on my home as this is what they are threatening to do.
04/15/2015	Yes	Mortgage Other mortgage	Settlement process and costs	MS 393XX	Web
Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. I do not agree to pay any legal fees. I have never paid Green Tree at any time stemming from this invalid loan and servicing that is not in good standing. Statements from Green Tree never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or XXXX, XXXX and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for Green Tree. Stop harassing us, cease and desist. cc : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Letters to XXXX XXXX XXXX , XXXX. Dispute Letters Estimate XXXX Letter Green Tree Statements More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXXXXXXXXXX XXXX XXXX
01/02/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 95758	Web
We have a mortgage loan with DiTech that was originally with Green Tree. We were in Bankruptcy chapter XXXX for 5 years but made payments to Green Tree and DiTech on our Home Loan. During the five years we never defaulted or closed this loan but Ditech is reporting that the loan is closed on our credit reports. Our bankruptcy was discharged and completed in XXXX XXXX and Ditech will not take us off bankruptcy and continues to report us wrong on our credit reports. I have contacted Ditech at least 13 times over the last years requesting that they take us out of bankruptcy status and report our loan correctly. I have sent them online emails and over the phone and every time they continue to tell me it is under review and will take XXXX or so days to audit.. This has happened for the entire year of XXXX and I can not get them to take the Bankruptcy off our account and report us fairly. Every time I call I get sent directly to their bankruptcy department. Their reporting us to wrong on our credit reports has caused us trouble in getting new loans for home improvement job to replace our XXXX through the XXXX program because DiTech is reporting we had a default and loan closed when we never had an interruption in our loan. After a year of trying to get them to report my loan correctly I have no other means but to try and file this complaint. I am attaching the three times I tried using there messaging system to contact them.. The other ten times was over the phone throughout the year. I have read many complaints about this company and feel they are trying to hold my loan hostage in reporting correctly to credit reports which is having a negative effect on my score.
03/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30342	Web
Loan sold to Green Tree Mortgage. I was unemployed, received unemployment payments from the government and able to verify yet Green Tree never would approve my loss mitigation paperwork. Instead paperwork was ALWAYS lost and reps could never help or even tell me the same information twice. I began the loss mitigation progress with Green Tree XX/XX/XXXX. My loan was then changed to DiTech XX/XX/XXXX. DiTech said they did n't know I was in the middle of trying to modify and I was called 5+ times per day requesting payment in full. Again, I was unemployed and could verify this. I restarted the loss mitigation process again XX/XX/XXXX with DiTech. Like Green Tree, same run-a-round, my paperwork was lost and at one point in XX/XX/XXXX I was verbally approved for a repayment plan though I never received any letter in the mail. The next time I called, that rep who verified the payment plan no longer worked there and no one had any knowledge of me being approved for repayment. I then restarted the loss mitigation process XX/XX/XXXX and was recently told verbally that a letter was sent to me in XXXX stating my package was incomplete. I NEVER RECEIVED A LETTER. So here I am in XX/XX/XXXX restarting the loss mitigation process. Sadly, the rep I have is n't knowledgeable she also ca n't tell me how my mortgage amount continues to increase yet my mortgage is fixed. She always says she will call me back and never does. Last complaint is a {$40000.00} Corporate Advance account fee I am being charged in addition to my principal interest amount. I 'm aware this amount is significantly higher as told to me by an attorney. Green Tree turned DiTech is fraudulent and I need help.
07/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 125XX	Web
My husband and I are behind in our mortgage payments and Green Tree Mortgage is constantly calling us which I understand is their job. The loan rep. called my work however and told a supervisor who he was. This I think is wrong. He then spoke to my husband XXXX and told him if he gave our bank account number to him he would freeze the mortgage account at Green Tree 's level to keep us out of foreclosure. The loan rep said NO MONEY would be taken from our bank - it was simply an internal form he needed to fill out. My husband believed the man and thought he was helping us out. The loan rep took the account number and submitted some form of request for payment from our bank which overdrew our account by {$3400.00}. We have no money now with a sick husband and XXXX children. I tried to call the mortgage company to report this and was passed from person to person and told they did n't place the hold which was a bold faced lie. Then they told me my husband authorized the hold which was a lie. They kept giving me the run around when I asked to speak to a supervisor or XXXX they kept me on hold for over XXXX minutes waiting to speak with a manager. The mortgage company kept passing me through to XXXX XXXX our loan rep who was the one who LIED to us. I understand we are wrong for not paying but that is not an excuse for a mortgage company to lie about things and overdraw our bank account. My husband is sick and this is so unfair and then to be treated like my complaint was not valid made me so angry and to keep passing me back to the man who started the whole lie was insulting. Please tell me there is something that can be done so this does not happen to anyone else.
08/04/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NJ XXXXX	Web
On XX/XX/XXXX Ditech along with XXXX XXXX XXXX gave a loan against a house that we both owned. I was not living in the state and had no idea that he was given the loan and that XXXX XXXX XXXX insured the loan. They both knew there were 2 people on the title and they just went about taking my name off the title and insuring the loan. I have documentation on what happened. My brother defaulted and the proceeded to try and take my home. I live here with my XXXX year old mother. This mess caused me to suffer financially, physically, mentally and emotionally. It took me almost 4 years to take care of this issue and refinance my home. There was a 1st mortgage and the lawyers lied and said there was no 1st mortgage. The lawyers for Ditech also sent paperwork to my old tenants that included the title of the home, who we purchased it from in XXXX, who we received the loan from and all personal information that should not have been sent to these people. I took the package from them and have it in my possession. With this they stopped paying rent and I needed to hire another lawyer to evict them, they destroyed the apartment ( it took 1 year to fix it ) and they stole my credit card and tried to buy items from XXXX XXXX for their new apartment. The apartment had 60 holes, water damage that if anyone walked on the floor they would have fell through the ceiling, the smell was horrible and just everything broken. No one would help me or listen to me. I hired lawyers who just took my money and did nothing. They were supposed to get a modification and after 2 years of paying {$900.00} a month I got a call that said they denied it. No proper paperwork as to why just a call.
09/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA XXXXX	Web
For the 2nd time in a year, Ditech has issued me a notice of non-payment on my mortgage. They have added a {$40.00} late charge and threatened to report the non-payment to credit reporting agencies. Because of the TERRIBLE on-line reputation of this company, I have been sending my monthly mortgage via USPS Certified Mail. Once again I am being told the funds have not been taken from my account so I am late. I have provided the USPS tracking number and the Ditech representative verified the USPS delivery. They still say it is not their problem and I am responsible for their inept handling of financial documents. I told Ditech I was willing to re-send the payment provided they credited my account the {$40.00} late charge and a {$39.00} stop payment fee. They refused and maintain the check has not cleared the bank so I never made the payment and consequently, I owe them the money and my tardiness will be reported to credit agencies. Ditech has independent confirmation of delivery via the USPS Certified Mail tracking system that my payment was delivered to their post office box in a timely manner. Courts of competent jurisdiction have ruled this independent confirmation is valid. The check got to them. They lost it. They need to cover any costs of replacement and not to report any deficiency. These folks have a TERRIBLE online reputation for financial shenanigans like this. The last time they pulled this on me, I objected and they ended up finding the check, crediting my account, and removing the late fee. I hope there will be some type of class action against them in the future to provide an impetus to straighten out their shoddy business practices.
08/30/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 989XX	Web
XXXX XXXX is in a financial hardship On XX/XX/2016 he sent in a loan modification package. Since then Ditech has held his file hostage and has refused to provide an update on the file despite the bankruptcy authorization on file. XXXX XXXX filed bk pro per and represents himself. There is no attorney assisting him. Please see attached phone records that show 48 hours of hold time. DITECH employees transfer the phone calls to the " bk '' department and the calls are placed on a perpetual hold. Not one employee has answered the phone. The call is then dropped each time after 3-4 hours of hold time. These calls were all placed at different hours of the day. At this point there is no excuse for the negligence. It is very obvious that DITECH is discriminating against XXXX XXXX based on his race, ethnicity, language, national origin. There is no excuse for the lack of assistance. Supervisors have been requested on numerous occasion and the lack of training is extremely obvious and appalling. The following employees have provided horrendous attitude and need further training. The lack of skill is very apparent. XXXX XXXX XXXX XXXX x XXXX promised she was going to get someone on the line and she intentionally terminated the call and failed to make a call back to address the issue and the dropped call. XXXX, XXXX, XXXX, XXXX, XXXX were also all employees who discriminated against XXXX XXXX and transferred him to the que where the calls are placed on a perpetual hold when. XXXX XXXX will be filing a litigation complaint in district court in regards to the negligence and discrimination from ditech. Furthermore, He wants an update on his file from the XXXX.
06/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 150XX	Web
I agreed to a payment arrangement with Ditech to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that Ditech had purchased and collected on. Ditech stated that the payments would reflect on all three credit reports, XXXX, XXXX, and XXXX. I have sent multiple requests to Ditech, XXXX, and XXXX to update the reporting of this account on the credit reports. I received multiple letters from Ditech that state the account was defaulted on in XXXX, charged off in XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to XXXX and XXXX agencies for correction of my credit reports. I have received the same response from both XXXX and XXXX of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by XXXX and XXXX. XXXX lists all the above referenced months as FP which is translated to mean FAILED TO PAY and XXXX states no payment received. Ditech stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices Ditech used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies XXXX and XXXX are not taking steps to ensure accuracy on my report or responding to my disputes.
07/29/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	MN 55109	Web	Older American
In XXXX of XXXX I went thru the Home Affordable Modification Program and initiated a new payment program initially thru XXXX The program included incentives for paying on time that accrued at XXXX per month, each month for the first 5 years of the Mortgage. After each year for the first 5 years, {$1000.00} should have been applied as Principal reduction to the tune of {$5000.00} after 5 years. Also a Dodd Frank Certification program enabled me to receive an additional {$5000.00} on my 6th anniversary of on time performance, XXXX of XXXX. These documents are attached. Greentree and or Ditech, never applied any of these payments they should have received from the Treasury. After several inquiries and even getting sent from Greentree/Ditech the actual documents supporting these payments, they ignored any resolution to the issue. In XXXX of XXXX, the mortgage servicing was turned over to XXXX ( XXXX ). I have made several inquiries ( five specifically, 3 phone calls and 2 detailed e-mails ) since the servicing was transferred and even sent the documentation, and have not heard anything back. I finally got to someone today ( XX/XX/XXXX ) who told me they knew nothing about this and its not their problem to resolve. I have gone to the XXXX XXXX XXXX website, and spoke to their counselors ( XXXX ). They can't help me and referred me to this means of resolution ; as well as, contacting the Treasury department, given that's where the payments should be coming from anyway. After contacting the Treasury department, they referred me back to the XXXX XXXX XXXX website and the HUD Counselors from XXXX. I do not know who to go to in order to get these payments made.
10/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 840XX	Web
On XX/XX/XXXX I entered a bill pay with XXXX XXXX in the amount of {$3000.00} towards principal on my Ditech account. The money was received by Ditech and credited to my mortgage account on XX/XX/2016. On XX/XX/2016 Ditech said they returned the money to XXXX XXXX for insufficient funds. This was an electronic transaction from XXXX XXXX so how there could be insufficient funds is a mystery to both me and XXXX XXXX. On XX/XX/XXXX I received a letter from Ditech stating that a payment of {$1000.00} had been returned for insufficient funds and a {$20.00} fee charged to my account. Since this time I have made a dozen calls to Ditech, two of which were three way calls with XXXX XXXX. ( I 've made three calls today. ) I was told that customer service representatives are not allowed to forward calls to supervisors on Mondays. Both XXXX XXXX and I have asked for a routing number or copy of the check for the return payment to XXXX XXXX. We have been told by Ditech they do n't have access to routing numbers or specific information about a returned payment. Ditech took 30 days to investigate and sent me a letter stating that the {$3000.00} had been returned due to insufficient funds with no proof of the return. Note that this is a different amount than the original letter. 40 days ago Ditech asked for and was sent a statement of the last 30 days of my account. The transaction is referred to as XXXX on my account. Ditech has stolen {$3000.00} and has not returned it. Ditech refuses to assist in finding where the funds have gone. This is theft and fraud. I have my bank information regarding the time frame in question as well as a proof of payment from XXXX XXXX
09/14/2018	Yes	Mortgage Other type of mortgage	Closing on a mortgage	MA 01854	Web
Our company, XXXX XXXX XXXX XXXX, made a complaint in regards to this mortgage on XX/XX/XXXX, Thursday, and we were quickly given a response back from CFPB that Ditech did not have us listed as an authorized 3rd party, which is strange seeing that we have been communicating with Ditech since XX/XX/XXXX. I called Ditech today and confirmed that we are and since XXXX, have been an authorized 3rd party. In XXXX XXXX XXXX and XXXX XXXX received a cancellation of debt discharge from Ditech. Their mortgage was forgiven. XXXX XXXX was involved in several lawsuits for shady loan practices and Ditech is now new owner of those loans. In XXXX Ditech issued a discharge of the mortgage debt and sent XXXX 's to XXXX and XXXX, however never sent discharges to the registry of deeds which is REQUIRED by law in Massachusetts to occur within 45 days of the forgiven debt. Per Mass. G.L. c.184, 17B Mortgages must be discharged within 45 days of receipt of full loan payoff by recording and furnishing a copy of the discharge with corresponding recording information or providing a proper discharge to the per-son paying off the loan. They received full loan payoff on XX/XX/XXXX, which means a discharge should have been recorded by XX/XX/XXXX of XXXX. That never happened. XXXX and XXXX are trying to sell their home. When title was pulled the mortgage was still on title. When we called to find out why a discharge was never recorded, we were told that the debt was still due. Both XXXX and XXXX had to pay taxes on this forgiven debt in XXXX, so for Ditech to say the loan is still due makes no sense. When we pushed further, they sent us a new XXXX with no information on it.
04/06/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	MI 493XX	Web
I was working with Ditech to get a loan modification over a year and a half. I would send and then resend papers to them only to have them day they didn't get them. I thought we were still working on a loan modification when I came home to a foreclosure notice on my door with a sale date listed. My husband and I had to file chapter XXXX bankruptcy in order to stop the sale and allow us to stay in the home during my husband 's declining health. He has now passed and I had the bankruptcy dismissed so I can pay off this loan and move forward with my life. My sister has been helping me through this as I don't have the strength to deal with it right now. She has been getting the same run around I endured when I was trying. They will not give us a payoff quote. They say they will send it but we don't get anything from them. Is it not my right to pay off this debt? Do I have to continue to be charged their " fees '' and other charges they continue to rack up on my account? If you go to XXXXXXXX you will see I am not the only one who has had Ditech run them around. It was sickening to me to read through these complaint and recognize the same tactics done to these people as were done to me. I wonder is there any way to stop Ditech before I lose my home as I read how many others lost theirs? They are even charging me for insurance on the property now. I have had an active insurance policy on the property which is paid through escrow with my first mortgage lender. It has never lapsed! I sent my declaration of insurance to Ditech but I'm sure they will say they never received it as they have with so many other document which I faxed to them ( repeatedly ).
12/23/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	IN 46530	Web	Servicemember
I have previously submitted 2 complaints about this company and situation. Previous complaint # XXXX and # XXXX. Pertinent documents were attached with the previous complaints.The saga continues. I had XXXX this year and made a payment arrangement with the mortgage company to spread the payments I would miss over a course of months. I received a signed letter from the company stating what the arrangement agreement was. A month later I received a letter stating I take a loan modification or face foreclosure. That problem was supposedly resolved after the 2nd complaint to you. On XXXX XXXX, XXXX at XXXX XXXX I spoke with XXXX at XXXX XXXX about a payment made and advised her it was guaranteed to be received that day. She proceeded to ask if this was the amount on the loan modification that was showing on my account. Imagine my frustration and disgust that this company is still trying to bully me into this modification. A loan modification would benefit them by extending the terms of my loan and give them added interest payments on that loan. I informed her there should not be a loan modification and asked why it was still showing. No answer to that. I fear that this will be an on going problem and this company has shown over the years that they ca n't be trusted. My mortgage was sold to XXXX many years ago, their name changed to Green Tree and now it 's Ditech. All owned by the original Everhome. It 's just the wolf in a sheeps clothing. Also as a result of the original complaint I was not to be contacted by phone anymore and of course, that is still happening. I sincerely wish I could get this mortgage into a more reliable and trustworthy company.
04/10/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 479XX	Web
I have recently received a certified letter from my mortgage lender indicating that I may be foreclosed upon soon. However, for the past 5 years I have been in a Chapter XXXX bankruptcy and all payments have been made through the Trustee, who by the way has been attempting to MAKE the mortgage servicer Ditech refinance my loan due to the high interest rate, however they continued to indicate the application was incomplete and refused to refinance. I have a statement from a month ago indicating that my loan was not only up to date but paid ahead, and I have an email from my loan servicing stating verbatim, that they doubled my escrow account balance when they put the loan on their system and they owe me over {$12000.00} and was supposed to send me a refund, therefore, I asked my attorney to dismiss my bankruptcy, which he did. Not more than a week later, the loan servicer reversed all payments from the account and according to my online access they state I am past due over {$43000.00} and they have recently sent me foreclosure warnings. I have telephoned them over the past few weeks and spoken with representatives over a recorded line at work where all calls are recorded where they have admitted that someone has done something wrong and needs to be corrected, however I just received a certified letter from the lender, Ditech with regarding to possible foreclosure. In addition, in that same week after they reversed all payments they updated my credit report as being past due on my home loan and my score dropped from XXXX to XXXX . In addition, they claim they have advanced {$44000.00} but no one can tell me to whom they paid these funds.
11/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	ME 040XX	Web
I was charged a " late fee '' of {$15.00} in XXXX 2016. When I questioned them about this charge, I was informed that it was not a late fee but instead was for the following : " The charge to the account was for a Broker 's Price Opinion ( BPO ). A BPO is not the same as an appraisal. A BPO is an estimated value of a property as determined by a real estate broker or other qualified individual or firm. One of the factors used by a broker is an estimate of any of the costs associated with getting the property ready for sale and/or costs of any needed repairs. Records indicate that the BPO was ordered due to the delinquency of the account. Ditech set up this charge as an advance to be collected in a payment of {$15.00}, beginning with the XXXX 2016 due date. As of the date of this correspondence, the remaining balance of this advance is {$0.00} as the fee was collected on XXXX XXXX, 2016. We are unable to comply with your request to apply the {$15.00} to the principal balance as this was not a late fee assessment. As of today 's date, there have been no late fees assessed to the account. '' The problem here is that my account WAS NEVER DELINQUENT and any confusion here was 100 % related to them misappropriating the payments that I made to them beginning a few months earlier. Furthermore, I have NEVER been charged any late or delinquent fees, NEVER received any notices that I was late or delinquent on ANY payments and I was never in a position where they would have to prepare for foreclosure nor was I ever informed that such action was taking place! Note : I filed a complaint with the BCFP at that time and this issue was resolved to my satisfaction.
04/22/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MS 39047	Web
I have a house loan with Greentree now called Ditech but still have ongoing issues. If I send more money than my payment and ask it be applied to my principal they just place in other account and it does n't decrease my payment. I have to call each month and ask them to place the funds against my principal. I had XXXX loan had so many issues I paid XXXX off. I dont want to pay off this XXXX loan with low interest. But it appears they want to force me to. Greentree/ditech should not be alowed to seervice loans. They are costing me money. Now XX/XX/XXXX they call me saying I 've not paid my house pauyment but I knew I paid it on XXXX XXXX. When I call back to talk to comeone they claim my account is closed. I try to make the lady understand I had XXXX loans XXXX is closed and the other I pay to. I gave up. Then the account manager a rude XXXX lady calls me today XXXX XXXX, 2016 yelling at me that Ive not paid my payment. My balance is XXXX on this loan and the house is worth XXXX.+ She claims to be my account Manager but refuses to allow me a moment to look up my payments on my computer. After she hangs up I look it up and call my bank. I paid {$720.00} on XXXX XXXX, 2016 as always by bill pay no changes made in account information where payments were applied in the past 2 or more years other than diatech added to the name. The bank showed that on XXXX XXXX, 2016 that Ditech returned the electronic payment. The they call me chewing my XXXX when they refused my payment??? This company had issues before changing their name. A name change doesnt change there ability to manage loans. This need to be addressed immediately. Thank you XXXX XXXX
08/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28146	Web
My mortgage was being handled by XXXX servicing out of XXXX, IL up until XXXX XXXX. It was then turned over to Green Tree Servicing , LLC. I am having a difficult time resolving the change in my escrow payment since the loan was transferred to Green Tree. I have called numerous time requesting an escrow analysis but have gotten nowhere. First they told me they would do it, then I was told they were using the one that XXXX did this past XXXX. How can they go off an analysis that is number XXXX, old and not current? Two, Green tree told me that they paid my homeowners insurance when in fact it was paid by XXXX back in XXXX. Three, I recently received a notice from Green Tree and it was addressed to the woman that I originally bough the house with, but, in XX/XX/XXXX, I bought her out and the deed was put into my name. I asked Green Tree about this and got an argument from them that I needed proof she wasnt on the mortgage. REALLY??? how about you look at the title search that was done when I modified the load with XXXX???? I have also repeatidly asked for the manager, XXXX XXXX XXXX to contact me and explain this all to me. That was a week ago and I still havent received a phone call. I have also asked for help with my mortgage due to being out of work from a work related accident. Im a trucker and I rolled my truck on XX/XX/XXXX and have been out of work since. Still no solution has been even offered. The lack of attention to such an importatant matter and the fact that they are sending out collection notices to people that arent even on the loan is troublesome. Green Trees servicing lacks any and all consumer confidence for the consumer.
12/30/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	VA 23435	Web
On XX/XX/XXXX I was sent a payoff quote until XX/XX/XXXX of {$140000.00} by Ditech Ditech was paid XX/XX/XXXX Mortgage in the amount of XXXX on XX/XX/XXXX. On XX/XX/XXXX, I closed on the sale of my home. At the closing on XX/XX/XXXX, I was required to pay Per diem of 3- 10 days@XXXX/ per day. On XX/XX/XXXX Ditech was notified via fax regarding refund of overpayment and requested when would refund would be received On XX/XX/XXXX my principal balance per Ditech intranet website reflected {$140000.00} On XX/XX/XXXX, Ditech responded they still note my account to be active and I required to pay my mortgage amount of {$750.00} on XX/XX/XXXX payment The attached correspondence was sent, and I have yet to hear back from Ditech XX/XX/XXXX, the new servicer XXXX XXXX contacted me that would now be servicing my loan with a new mortgage company and that my payment was required to be sent to them. I notified them that my home was sold on XX/XX/XXXX and that the required per diem and XX/XX/XXXX mortgage was paid to Ditech. To date XX/XX/XXXX I have not received notification from Ditech regarding my refund of overpayment, Ditech has not notified the new mortgage company of the loan being paid. In close, the new scam with bankers is selling mortgages to other companies. I have made it a practice to do ALL correspondence with Ditech in writing and record all calls to them, based on their mishandling of my funds over the years and no help from the CFPB. So now you are involved know the story what are you going to do? Nothing as usual or actually advocate for the consumer which is what I thought your company was created for Ill wait to see! XXXX XXXX
10/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29732	Web	Older American
My mortgage was sold to Ditech soon after I purchased my home in XXXX, XXXX. I had set up an escrow account with the original company handling my loan. Here 's the problem : In South Carolina ( maybe other states as well ) persons XXXX years of age and older are allowed a Homestead Exemption on property tax. Nice, right? Ditech refuses to honor that exemption and has, for nearly XXXX full year, been over-charging me in the amount it collects for escrow. I have been communicating with them since XXXX, XXXX, when I realized what was happening. They are stone-walling me at every step. I sent the tax bill from XXXX XXXX, SC directly to their Tax Dept., per instructions from their Customer Service Dept. A few weeks ago I spoke with a Supervisor in their Tax Dept. who was going to look in to this issue. I heard nothing back ; meanwhile, taxes still not reflecting the exemption. Today I spoke with the same Supervisor. He wondered if the document I sent to his department maybe " got lost in the mail? '' But, in any case, he explained they would not be changing what they are collecting from me monthly tax-wise. Even more curious, the Customer Service Rep. I spoke with before she transferred me to this XXXX XXXX, had my information right in front of her. She said, yes your taxes are showing a reduction, and gave the correct amount allowing for the exemption. Still the tax department can not manage to make the necessary adjustments. I believe that this is being done purposefully, without a doubt. I am starting to look at refinancing with my local bank ASAP. Ditech is, in my mind, behaving in a criminal manner in regard to my mortgage/escrow account.
04/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08053	Web
I have been sick with XXXX XXXX for 2 aND 1/2 years. I was forced to leave my job ( I was terminated when I applied for another leave ... ). I needed more XXXX. My mortgage is serviced by Ditech Financial and I am being harassed and threatened by the account rep working on my account. " XXXX XXXX '' aka XXXX is that account rep. She calls everyday and tells me that I am refusing to talk to them. In the same conversation she will ask the same questions. " But you wo n't tell us what your intentions are. '' I called customer service, explained the situation and requested a new account rep. I was told that, " i'Ve never seen that happen since I 've been here. '' No change was made and I continue to be subjected to these rude and abusive collection techniques. I am waiting for Soc Security XXXX and a XXXX XXXX payment which will be monthly, but XXXX tells me that " I just need to graciously exit the house because I ca n't pay for it. '' I am behind in my payments - I was unable to make my XX/XX/XXXX and XX/XX/XXXX payment and I am less than 60 days late. When i'Ve spoken to XXXX , she says that I refuse to give them information ( as I answer their questions ). I refuse to take her calls - she called today and left a message, " XXXX XXXX - we have n't heard anything from you ... '' I'Ve been in this house for 13 years. I never paid late. I have a serious illness - I am not a dead beat. There are so many complaints i 'm reading about this company and XXXX talks to me as if I deserve to be treated like a XXXX. I do n't! I need help - now. I 'm asking to be treated according to the boundaries set up as acceptable collection practices. Please!
04/14/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NC 28278	Web
We have issues paying our mortgage EVERY month with Ditech. They are not helpful in the least. We sent our mortgage payment online through our bank on XX/XX/2016. The only reason that we did n't send it by the XXXX is because we were out of town and did not have access to do so. The bank showed our payment as processed on XX/XX/2016. It is now XX/XX/2016 and Ditech still HAS NOT applied our payment to our account. It has been 10 days now since we sent it. Their customer service rep can not tell me why it has not been applied. In 2 more days we will be hit with a late fee from them. Do I have to pay my mortgage payment an entire month ahead of time for these people to process it on time? I feel like we are intentionally being set up to be hit with late fees. I was told that we could dispute the late fees by explaining our side of the matter via FAX. The issue is that we should not be hit with late fees in the first place. I think this company holds onto the payments they receive, but do not process them when they receive them. I believe they are intentionally doing this in order to hit people with late fees. If I send a FAX disputing the fees, I doubt it will do me any good, since they do n't seem to care what their customers have to say. We do not have this issue with any of our other online payments. ONLY DITECH. Someone needs to investigate this company and their manner of doing business. Personally, I am sick of this. When we have the opportunity, I am strongly urging my husband to refinance our house with a different company. I never want to have to deal with these people again. Something needs to be done to protect the consumer here.
11/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 285XX	Web
Account # XXXX Claim # XXXX I am filing a complaint against Ditech Financial, LLC. Hopefully my complaint will benefit many others. I had smoke damage in my home. My insurance has come and access the damage and written the check to cover it. However ; it is written in my name and my mortgage company. I would like to endorse the check and send it to them so they may endorse it and send me part or all of it to start the process of making the repairs. I also plan to send my claim report from the adjuster, In addiction Ditech is requesting for an estimate of the material that will be used from XXXX or another supplies place. Well actually I tried to get that information. But XXXX was unsure how to give that information since it requires price, quality, and quantity. from the claim. It is about 9 rooms that that has to be restored, serviced, and remodeled. All rooms won't use the same material. I need to start and figure out what is needed along the way. My insurance company said all they need to do is cash the check and write me a check to begin then verify what was done, and give me the balance. I am doing the work myself under the coaching of a skilled handyman. They want to pin me down to a certain company to buy the material. But I plan to do that according to whoever give me the best deal with the price, quality, and quantity. Here are the places I plan to use XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. You would think that Ditech would like the house repaired since they still hold an interest in it. If there is any other information that you may need, please call XXXX XXXX. Thank you very much for whatever help you can give.
07/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 93012	Web
Green Tree Servicing LLC took over my mortgage in XXXX, XXXX, from XXXX. Since then, I was charged monthly " payment '' fees of {$12.00} per payment, and there were several payments made automatically out of my banking account without my direct authorization for those payments, resulting in overdraft fees, in some cases. There were also a few payments made where I questioned the proper application of payment credit towards the principal amount vs. interest. Upon inquiring about these discrepancies to their customer service, they said they would " get back '' to me when they have completed their review, but they never responded back. For the record, I have been under extreme financial stress throughout this period of time with Green Tree and I was late on payments at times. Green Tree collection representatives would repeatedly call me at all hours of the day and evening, with high pressure and often " contentious '' dialogue, to compel me to make a payment, forcing me at times to make a payment without having funds immediately available in my bank account, but they did not care, even after telling them that funds would not be available, and they still processed the payments, resulting in further overdraft fees. From XXXX XXXX until about XXXX XXXX, I went thru this horrible experience with Green Tree. Ditech Mortgage has since taken over my mortgage account, so far, seems to be more pleasant to deal with but I am still upset with what I went thru with Green Tree. I recently heard about a settlement the CFPB had with Green Tree and I would like to be included in that collective group of customers harmed by this company. Thank you. XXXX
07/13/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 31088	Web
My original loan was with XXXX who sold out to XXXX XXXX XXXX who sold my loan to GreenTree Mortgage AFTER I went through the process of a mortgage reduction program. I had to file a complaint to get my reduction program loan closed because they were holding my entire financial world in limbo for over a year, hurting my credit, when a loan should be closed within 30 days. It was ridiculous but it helped eventually because we get {$1000.00} cut from our principle ANNUALLY if we pay on time and I do BUT now that it 's been transferred to GreenTree, they are intentionally trying to make us late on payment by not sending us our invoice in time. I have been paying ahead of the invoice because I never receive it in time to prevent late payment which is a HUGE XXXX BUSINESS TACTIC. Even though I sent my payment ahead of invoice receipt last month, the payment was n't posted as received until seven days after it was due on the first which is a lie. They are trying to cheat me out of the program 's {$1000.00} annual principle reduction. This whole program is XXXX trickery and I want the fined to the hilt for what they are doing to us. There are XXXX of us on these loans and I 'm CERTAIN that I am not the only one suffering this. Make them give us what they promised because we are never late on our payment. They 're MAKING us late on PURPOSE by holding invoices and payment on receipt in order to prevent having to keep their promise of annual principle reduction of {$1000.00} for on-time payments. Regardless, I want my invoice sent out ON THE DAY they receive a payment to prevent it ever been later than the payment due date again. This is insane.
05/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48093	Web
My mortgage is currently owned by Green Tree LLC. Today ( XXXX XXXX ) I received a statement notifying me of an increase in my monthly payment to cover hazard insurance because they claim I do not have insurance coverage on the property. That is not true. On XXXX XXXX my insurance company faxed my insurance policy showing them as the loss payee to the toll free number listed in their dunning notice. On XXXX XXXX I called Green Tree and was told the fax was received and that my insurance information was on file with an expiration date of 2016, which was correct. I updated the loss payee information on my insurance when I renewed it in XXXX this year, but I used the Green Tree address on my mortgage statement because I did not realize I should have used a different XXXX. When I received the first dunning notice from Green Tree in XXXX I was so upset that I did not read it carefully. I faxed them a copy of my insurance policy myself, not realizing I should not have done that, nor that I had used the wrong address for Green Tree. When I received the second dunning notice from Green Tree on XXXX XXXX, I realized my mistakes and immediately called my insurance company to correct the loss payee information. While I was on the phone with my insurance company, they faxed the updated information to Green Tree, as stated above. I do not understand why Green Tree sent me a hazard insurance policy dated XXXX XXXX and a statement dated XXXX XXXX when they had confirmation of my insurance on XXXX XXXX. My handling of this situation was inept, but my insurance policy never lapsed and the hazard insurance they are charging me for is not required.
04/25/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19146	Web
I am writing due to the continual harassing actions forged against me that have only become worse after my last attempt for assistance from CFPB in this gross and premeditated matter against me. I have always paid on or before the XXXX of the month as my payment history shows and am writing you on XXXX / XXXX / XXXX . I always pay over the requested {$930.00}, paying {$1000.00}. each month. With that said, and because I have already written CFPB of the unwarranted harassment directed toward me, I have now received a Notice of Default letter. First, I am not 30 days late for XXXX 's payment. In the Notice of Default letter, Ditech has added the month of XXXX 's payment. Second, Ditech sent the letter which includes that I have several hundred " over paid '' dollars on my account that are listed as " unapplied funds ''. So I have an over payment that is sitting in " unapplied funds '' of several hundred dollars AND a Default notice for a payment that is not 30 days late ... PLUS the next month 's payment that is not due til the XXXX of XXXX , next month? To add insult to injury I consistently receive monthly bills that are " ballooned '' to reflect 2 and 3 months at a time therefore the monthly statements do not equal the harassing letters sent. Finally, I know when I pay this amount off, I feel I have no choice, .... next month, the same harassment, the same demanding letters, the same threats to pay unwarranted monies will continue ... XXXX as they threaten to attempt to take my home. All this and I have consistently paid Ditech not just the monthly {$930.00} but {$1000.00}. each month ... .consistently.
04/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 018XX	Web
The Ditech went through a system upgrade on XXXX. I called on XXXX/XXXX/16 to ask why duplicate payments had been made as it was showing payments on XXXX/XXXX/16 & XXXX/XXXX/16. I was transferred to the tax department ( XXXX ) who told me they would investigate and get back to me within a week. No one ever did so I called back a week later and they informed me that the system upgrade ended up causing what seemed to be duplicate payments to the City Tax due XXXX/XXXX/16 but one of these payments were " ghost '' payments and they were n't disbursed or taken out of my escrow account on XXXX/XXXX/16, but the actually only payment that was disbursed by them was on XXXX/XXXX/16 which was the correct one for the XXXX tax bill. I told them I was refinancing and needed the Payoff amount to be accurate, they confirmed it was. On XXXX/XXXX/16 it again shows ANOTHER payment for the tax bill due on XXXX. I called on XXXX/XXXX/16 to ask why another duplicate payment was made. They said they made a mistake when the did the first investigation and found out I was refinancing with another company and they wanted to hurry up and make the payment and it caused a duplicate payment and disbursement. I was told they would escalate the problem and it would be refunded back to my escrow account within 3 businesses days. I called after 2 and was told to call back the next day. I called back after 3 days on XXXX and was told it 's still being investigated and to call back tomorrow. They are showing a negative balance on an escrow account that should have a surplus and the did this knowing I was refinancing and this is causing many issues on the payoff amount.
08/17/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 44646	Web
In the XX/XX/XXXX green tree servicing bought out the servicing rights from XXXX XXXX XXXX. The first month and a half were as usual, the people were confused but helpful when I called and asked what happened with the transfer of servicing. I had mailed my XXXX payment with my XXXX payment book statement as we always did. Two weeks later we received a late notice. The notice informed us that the full amount had not been paid, that they had increased our escrow amount to match what they called their policy. they like to keep an extra 6 months on top of the normal escrow amount available. We called and they told us about their escrow policy, two days later we received a letter in the mail detailing their escrow policy. So basically we had the option of our rental propertys loan to go up XXXX a month or pay XXXX. I refused to pay any additional escrow above what was needed. That 's when the phone calls started, a representative named deny called me XXXX times a day, telling me I was not fulfilling my obligation to green tree. Not fulfilling my obligation as a man he once said. One time even sending me to another representative to try to get me to start the short sale process, on my home that in his opinion was way underwater. XXXX which it was but so was everyones ). My argument was I had an agreement with XXXX and they should honor that not vice versa. Still the calls came. finally we did write a check for the additional escrow after three weeks of nonsence, and filed a complaint with green trees management. Two months later I refinanced XXXX. It was worth paying almost XXXX in closing costs to rid ourselves of this bogus XXXX company.
07/12/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80110	Web
This is in response to Complaint # XXXX . The answer is NOT acceptable. It clearly admits liability that DITECH misappropriated funds. We do NOT have a XXXX XXXX account nor ever had one. It is the full responsibility of Ditech to recover the monies they misappropriated and credit account in full to XXXX XXXX . 1. The {$14000.00} must be applied to principal only on account # XXXX . 2. Please provide photocopies of all checks received. Show where total is {$14000.00} instead of {$14000.00}. This has been reviewed and verified by the XXXX XXXX XXXX as the correct amount. 3. If you have a mail delivery problem, address it directly to USPS. 4. All monies of {$14000.00} are to be applied to Principal Only. No authorization was given for {$360.00} to be deducted for administrative costs. Our records through monthly certified mails receipts indicate no late fees of any kind. This amount must be re-applied to principle amount immediately. If this matter is not resolved by the time frame of the required reply, legal council will immediately submit a Summary Judgment against Ditech in the county court of XXXX XXXX , XXXX , CO., in order to recover funds. Because DITECH has held the monies in their possession since XXXX XXXX , they are liable for actual and punitive damages, interest, certified mail fees, and all legal fees and court costs. A formal complaint with the Attorney General of CO has been filed concerning consumer fraud, misappropriation and extortion of funds. All replies are forwarded to local XXXX XXXX , Consumers Corner for on-air viewing.
05/24/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL XXXXX	Web
To whom it may concern, I have sent Ditech Financial LLC ( " Ditech '' ) five different letters on XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) to the designated following address ( given by Ditech ) where mortgage loan customers are requested to send any Qualified Written Request, Notice of Error or Request for Information : XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX per resolution letter submitted to me. Ditech finally sent a letter on XX/XX/XXXX to work out an option for a reinstatement and repayment plan along with a contact representatives name and number. I attempted several times to reach the person, left messages including e-mails to Ditech and have not received a response. I have not heard back and as of today, XX/XX/XXXX, and, the only correspondence I have from Ditech in regards to the request is dated XX/XX/XXXX in a letter stating that they would get back to my request as their research has not concluded. Again, I am trying to obtain a repayment plan for a nine ( 9 ) month period with an additional borrower to the account and with the understanding of moving forward with past-due amounts being spread over a set time frame onto the existing mortgage payments as inclusive of the monthly mortgage payment increase with future mortgage payments. The total due as of today is {$17000.00}. Moreover, I am trying to obtain information from Ditech so that this matter may be expeditiously resolved. I have made Ditech aware and reiterated information that they already have where they can send information inclusive of XXXX XXXX , phone numbers ( secondary contact person, etc. ) along with e-mail. Thank you for all your assistance.
02/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 105XX	Web
Got surplus check & statement from mortgage escrow account dated XX/XX/2019 saying there's a surplus of {$2400.00}. It said to deposit or cash the surplus check. Deposited the check and 2 days later my bank informed me the check bounced and charged me a bounced check fee. I called Ditech mortgage servicing to find out what's up and they said there was something wrong with the account the check was sent from and offered to direct deposit the check plus the XXXX dollar bounced check fee. I gave them the bank name, routing #, account # over the phone and it took almost a week for the funds to show up in my account ( deposited on XX/XX/2019 ) but the XXXX dollar bounced check fee was never paid. It was not even included in the direct deposit. I called Ditech mortgage servicing and was told that the request for the XXXX dollar bounced check fee was put in but did not get paid out. I complained again that when I called last time, I was assured the XXXX dollar bounced check fee would be sent with the direct deposit and it was not. I called again on XX/XX/2019 and told them I have the original amount but not the bounced check fee that's still owed to me. They put in another request but said it has to be processed and did not even tell me when it will be pushed through. Later in the day on XX/XX/2019 I found out the company Ditech filed voluntary petitions for reorganization under Chapter XXXX of the XXXX Bankruptcy XXXX. I did not get mail or notice of this and found out online when I logged into my account on XX/XX/2019. To date I still not have received the {$20.00} dollar bounced check fee they owe me for sending me a bad check.
07/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33414	Web
I lost XXXX of 22 years due to the changes in the economy and stop making payments to my Mortgage loan after few moths I was in foreclosure and I hire an Attorney to help me with the foreclosure almost a year later I was inform By the Bank XXXX that if I paid my XXXX mortgage at a reduce amount they will grant a loan Modification. after the payment was made They offer a 6 months trial payment and I proceeded and pay the second mortgage and pay the 6 months Trial period. after the trial period was finished the bank never contact me and I blame the attorney for not working diligent and hire a new Attorney one year pass and I received a Letter from XXXX telling me that will not longer servicing my loan and they will transfer it to Green Tree after the transfer it took Green Tree almost a year to grant the loan modification where my loan was modify at a higherinterest and increase my Principal in {$140.00} to bring the account current. I was surprise because the loan was to much for my income but I did not want to loose my home. After the loan modification was in place for the amount of {$4100.00} the bank change the payments 3 moths later to {$4200.00} and then to {$4300.00} and in XX/XX/XXXX the payment was increase to {$5400.00} Once more time I contact the bank to understand why the increase was for and they said that the taxes for XX/XX/XXXX and XX/XX/XXXX where not paid that accounts for {$10000.00} and {$11000.00} totaling {$21000.00} but the banks send a bill for 44 payments of $ XXXXWhen I ask the bank to explain all this charges they can get a clear answer and also said that the overcharges will be apply to the principal.
05/07/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	MO 65721	Web
I reported an issue with Ditech Financial LLC not refunding money they owed me from overpayment of my loan with it was paid off. The original complaint number was XXXX. They owe me {$1200.00}. They responded to the issue after several weeks claiming that they had issued me a refund on XX/XX/19 with the check number being XXXX. Your company closed the original complaint based on them saying they refunded me, which they didn't. I waited for two weeks but the check never came. I contacted them on XX/XX/19. They insisted they mailed me the check on XX/XX/19 which it is obvious this was a lie. I know they have my correct address because I have received several pieces of mail from them since I paid the loan off, just not my refund. I was told by the customer service representative that I spoke to that they could not help me until XX/XX/19, which would be a month and only if I did not receive the check, which I won't, because they never mailed it out to me. There are several similar complaints to your company on Ditech for the exact same issue I am having. Customers are told they mailed them a check and they never receive it, with Ditech claiming it must have been lost in the mail. I am requesting another complaint be opened up on this matter and Ditech be investigated for fraud. This company apparently is taking people 's money and no one, including this company is helping us, the consumer to do anything about it. Ditech has filed two chapter XXXX bankruptcies in the past 11 months and it seems like number three is on the way. I would greatly appreciate your help in getting this matter resolved and this company investigated for fraud.
07/01/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AZ 85053	Web
I have XXXX mortgage loan servicers and I 'm having the same issue with both. I 've already filed a complaint against XXXX, this is for the servicer of my first mortgage, Green Tree Servicing , LLC. Green Tree acquired my 1st mortgage when XXXX declared bankruptcy years ago. I declared bankruptcy near the same time, but I signed a letter of intent for both of my mortgages with XXXX at the time ( 1st ended up with Greentree, 2nd with XXXX ) and my payments have been current since XXXX modified my loan under HAMP long before either BK. Aside from the initial pain of trying to get any kind of customer service when the loans were acquired, at least they have both improved their accessibility over the years. I did have an unfortunate run-in this year when my payment increased and Green Tree failed to send me a simple statement with XXXX new monthly balance beginning XXXX XXXX, 2015, but that was resolved with XXXX very lengthy and incredibly frustrating phone call to them to figure out why they sent me to collections for what turned out to be ~ {$38.00} shortage. My immediate concern is both mortgages are still showing on my credit report as negative because they show closed/discharged in BK. I have contacted both servicers several times to correct the issue. Neither servicer will take responsibility to correct the erroneous credit reporting. Why is this an issue? Because I want to refinance with someone, ANYONE else but the negative marks make me less than a favorable choice for any kind of loan. How are they getting away with this? What other issues are buried in poor management of our mortgages? How do we the consumers fix it?!
06/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 99203	Web
I recently refinanced my home. Green Tree was my mortgage company, but I refinanced through XXXX. Green Tree owed me excess funds that were in my escrow account with them. Green Tree issued a check in payment, in the amount of {$1000.00}. That check from Green Tree bounced, as the check was written on a closed account. I have contacted Green Tree Customer No-service XXXX times ( XXXX XXXX & XXXX, and XXXX XXXX ) via telephone. On XXXX XXXX, the GT representative said that the process of cancelling the XXXX check and reissuing a replacement check could take up to XXXX days. I find all of this to be outrageous! First, that they would make such a mistake ( if it is a mistake, and not a policy to delay payouts ) and secondly, that they are dragging their feet in terms of rectifying the situation. Green Tree Servicing, and Green Tree financial are well-known for bending/breaking the rules and for terrible customer service ( see the Victims of Green Tree page on XXXX, if you doubt me ), and such abuses need to be stopped! I am retired on XXXX, and am XXXX. The {$1000.00} is a huge amount of money to me, and they do n't seem to give a XXXX. I have been informed that issuing a check when there are no funds behind it is a criminal offense. I believe it is possible that Green Tree may routinely do to others what is being done to me, in that they are able to make money on holding their customers ' money while they delay paying what is owed. For a very large company like Green Tree, those small amounts could add up to a significant amount over time. Meanwhile, I have a new mortgage to pay without having that {$1000.00} to aid in doing so.
07/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 349XX	Web
Please see below, the message I attempted to send to Ditech, but which, of course, the website bounced, and did n't accept : It 's unclear whether ditech is incompetent or fraudulent, but either XXXX is XXXX unacceptable. Due to absolutely incomprehensible and irregular statements received from ditech over the past month, showing numerous errors, fraudulent fees, missing funds, and an INCREASING Principal Balance, I 've spent over 8 hours doing my best at forensic accounting and have found that ditech has lost or stolen {$1200.00} of the money I 've remitted between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Errors include but are not limited to : 1. The site 's Payment History shows receiving a payment of {$800.00} on XXXX/XXXX/XXXX, but the XXXX/XXXX/XXXX Statement does not reflect a payment. 2. A Late Fee was applied for the payment you lost on the XXXX statement 3. You applied {$740.00} to Principal in XXXX, when you should have applied {$260.00}. It looks like you tried to fix it in XXXX, but made a {$14.00} error in your favor. Convenient. 4. Then in XXXX, when you tried to fix it, you did n't apply the Principal Due ( that I paid ) of {$260.00}. Where did that go? 5. Since XXXX/XXXX/XXXX, I 've remitted {$1600.00} over the minimum payment due, and you have applied only {$610.00} of that overage to Principal. Yet the most recent Statement I 've received ( XXXX/XXXX/XXXX ) shows NO Funds in Suspense. Where is my money? To top it all off, on XXXX XXXX, XXXX, I received a letter on ditech letterhead stating that MY ACCOUNT HAD BEEN REFERRED TO A DEBT COLLECTOR. Fix. This. Now. And call me. XXXX XXXX XXXX
09/23/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	RI 02864	Web	Older American
XX/XX/XXXX I mortgaged ( through a HARP loan ) my property located at XXXX XXXX XXXX in XXXX, RI to Green Tree XXXX and had my taxes escrowed. Taxes on this property are $ XXXX/yr. ( $ XXXX/quarter ). An amount of {$350.00} was transferred from the previous lender into the new escrow account. Monthly escrow was set at {$180.00}. XX/XX/XXXX they paid the quarterly taxes of {$560.00}. In XXXX they paid the quarterly taxes but in the wrong amount. They paid {$580.00}. The tax collector called me and alerted me to a problem. I called the bank and I thought it was all taken care of. XX/XX/XXXX they paid {$560.00} which was the correct amount. But in XXXX they paid {$1100.00}. The amount they paid was a combination of my XXXX properties. Again XX/XX/XXXX they paid {$1100.00}. XX/XX/XXXX I received an Escrow Disclosure Statement telling me I am XXXX dollars behind in my taxes. I have sat on the telephone with the bank from XXXX of this year until last week when I finally gave up. They have people dunning my account and telling me to pay up or else. XXXX XXXX XXXX unnamed ) and I had a shouting match and he told me if I did not pay all of this money owed they would foreclose on my home. I did not do anything wrong. They made the mistake and they need to fix it. Every time I called them to get things straightened out they said they needed to investigate and after each investigation they always came back with the same results and that is I owe them XXXX dollars and I better pay up. I have only had this mortgage for one year and it should not be that difficult for them to figure out what they did wrong. I am at wits end and need help.
06/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33712	Web	Older American
We refinanced our mortgage and home equity loan, leaving Green Tree and going to XXXX and closed on XX/XX/XXXX XXXX Mortgage wanted us to pay our own homeowners insurance and property taxes, NOT have an escrow. We agreed and our insurance company XXXX also agreed; we stared paying directly then. However, Green Tree had over XXXX of our money in escrow and erroneously sent it to XXXX, not to us. On XXXX I talked to a representative at XXXX, made it clear we did not want to pay that on our insurance (which we were already paying monthly to them). XXXX said it is illegal for them to send our money directly to us - they are required to send it back to Green Tree for Green Tree to return to us. XXXX "complicated billing" staff assured me the check would literally be mailed to Green Tree on XX/XX/XXXX. On XXXX I spoke to a representative at Green Tree making it clear that we did not want Green Tree hanging onto our money for a month so they could make interest on it (when this is done with many customers it adds up to a great deal of money). Green Tree rep assured me that "since the account is closed the check will be forwarded to you" when Green Tree receives it. Today - XX/XX/XXXX - I called Green Tree and was told that the check mailed on XX/XX/XXXX allegedly was not delivered to Green Tree until XX/XX/XXXX and was logged in as received on XX/XX/XXXX. Now they are claiming that we will have our money back in XXXX days. It appears that someone is making interest on our money which they have no right to have at all. In fact, we are losing interest we could be making on our money if we had it. I cannot believe this is legal.
08/18/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NE 68134	Web
We have had significant damage to our home from rain and hail. This occurred XXXX XXXX, 2016. The insurance company responded promptly to inspect the damage and issue an initial check payable to us and Ditech Mortgage ( a XXXX XXXX ). The first check was issued XXXX/XXXX/2016, After receiving the WRONG information from Ditech, the check was sent to them for endorsement. They sent it back for us to endorse first. We did not receive a check from Ditech until XXXX/XXXX/2016 after providing receipts and bids to complete the work. Ditech withheld 5 % of the funds at that time, which they can not give me a satisfactory reason why. The processing time is suppose to be XXXX to 10 days. I am told they are busy. The customer service is rude and they repeatedly hang up or take 20 minutes to transfer me to claims. A second check was issued on XXXX/XXXX/16 and overnighted to Ditech for processing. On XXXX/XXXX/16 the requested progress pictures which were sent immediately. Bids, XXXX ; s, lien waivers have been faxed. Windows and garage doors are custom made and can not be ordered without partial payment. Still Ditech is dancing around with sending the funds and as of today they can not tell me how much and when they will send the funds. They just send a new letter with some other required document and delay processing. The roof was completed on XXXX/XXXX/16 and funds have not been sent to complete payment. Windows leak the garage doors do n't work right and they tell me they are busy. This is XXXX. Everyone in our neighborhood has had damage from this storm in XXXX. No other mortgage company has been as hard to work with than Ditech.
07/31/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95301	Web
Green Tree claims that there is not proper hazard insurance on the property located at XXXX XXXX XXXX XXXX, OH XXXX. Please see attached letter. I spoke with Green Tree on XX/XX/XXXX regarding a letter dated XX/XX/XXXX. Green Tree claimed there was no insurance on the property since XX/XX/XXXX. We agreed to have the insurance agent contact Green Tree and that the renewal billing was not going to be available until the first part of XX/XX/XXXX as coverage was in force until XX/XX/XXXX Green Tree called the insurance agent on XX/XX/XXXX to verify the information. Another letter was received dated XX/XX/XXXX again claiming no hazard coverage. The insurance agent faxed the insurance bill to Green Tree on XX/XX/XXXX. XX/XX/XXXX the attached letter was received. This letter dated XX/XX/XXXX states again no hazard coverage and that I will be liable for any coverage Green Tree purchases. On XX/XX/XXXX I spoke with XXXX at Green Tree who stated they did get the bill, but it is not being paid as there was information missing. XXXX requested that the insurance agent call Green Tree direct. This happened within the hour. According to the insurance agent, 5 letters were missing on the declaration page, but they were told this would not hold up premium payment. I called Green Tree back to follow-up. XXXX took my call, did nothing and transferred me without notice to XXXX. XXXX stated they had no record of a premium bill or coverage. This was totally incorrect. I stated the facts and XXXX claimed he talked with the insurance agent and expedited the premium payment on XX/XX/XXXX. No online entry in noted on the account as of today.
05/13/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	WI 539XX	Web
Dear Sir or Madam : I am writing to dispute the following information in my file ( files received from XXXX ). I have circled the items I dispute on the attached copy of the report I received. This item disputed is inaccurate because I have documentations of a reported phone call to Ditech in XXXX ( before the bankruptcy and closing of the company which occurred XX/XX/XXXX ) attempting to make payment. In reported phone conversation we had spoken on how our payment was not being accepted through our normal transfer. They then confidently proceeded to insist that they could no longer take our payments and we had to wait until the arrival of our new company by mail to pay for our current bill. With being falsely informed of this, they reported no contact from us and credited us for a 30 day late payment. In attached file it explains that we were not only credited once for a late 30 day payment but also on the following month. We had then contacted both Ditech ( who we were no longer in business with ) and XXXX ( our new provider as of XXXX ). XXXX had no documentation of a late payment and also included their policy of transferring to their business that they were not allowed to credit any late payments the first 60 days to comply to our adjustment of a new company. Ditech was not as compliant and due to their business being shut down, we are not able to reach any provider. Being wrongfully document for a late payment we did everything to have the Ditech resolve the issue but because they cant comply we had to further our complaint. I am requesting that the item be removed to correct the information. Sincerely, XXXX XXXX
06/30/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92807	Web	Older American, Servicemember
I received a call on my phone from phone number ( XXXX ) XXXX, asking for my son, by name, from a guy identifying himself as " XXXX XXXX '' and that he was a representative in the " Mortgage Loan Department '' of XXXX XXXX Bank. I asked him what the call was about and he said he wanted to talk to my son about a problem with his mortgage at, and he identified my home address. My son is not now, nor has he ever been, on either title or the loan on my home. My son is a XXXX yr old full time college student and XXXX XXXX. I advised him that my son was " not home '' but that i might be able to help him as I am a co-mortgagor on the property. He apologized for not being able to see any of my information in his " records '' but wanted my email address so that he could send me the " legal email '' he needed to send me before he could talk to me. I asked what was the issue he needed to talk about and he said that the house was in " serious jeopardy '' due to all of the " back taxes and insurance that has n't been paid. '' At this point I told him ( in very colorful language ) that I was n't aware of any of that but that I was aware of the fact that he was nothing more than a fraud. He responded that I was being recorded and I advised him that I was very glad of that so whoever was recording would have a record of just what a XXXX XXXX he was. He responded in kind and promptly hung up. Out of curiosity, I re-dialed the number that had just called me and was semi-surprised to hear, " Thank You for calling DiTech Mortgage. '' I 'm not sure exactly what this XXXX was calling about and phishing for, but I do know it was nothing legal.
12/06/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	HI 96761	Web
Ditech has applied mortgage payments incorrectly and a mortgage payment is missing. I use auto pay to pay this mortgage and when my interest rate increased in XX/XX/2016 ( XXXX ) they started calling from their collections department stating that I was not current on my mortgage, which was incorrect. I allowed them back in XX/XX/2016 to take the adjusted increased mortgage and was assured that they would not take my auto amount also. They deducted both so I told them to apply the original amount to principle. This started a series of journal adjustments to my account and now an entire payment is missing. In XX/XX/2016 I made my usual auto payment of {$1800.00}. In XX/XX/2016 the new amount of {$2100.00} was deducted from my bank account along with the {$1800.00}. In XX/XX/2016 & XX/XX/2016 they deducted the auto amount {$2100.00}. In XX/XX/XXXX, XX/XX/XXXX & XX/XX/2016 they deducted the auto amount of {$2100.00}. I have tried to work with Ditech but contacted XXXX when I realized that they were not crediting my account properly and my mortgage balance was higher after payments were credited. XXXX tried to get the information corrected but was unsuccessful. XXXX agrees that there is still an entire payment missing from my account history and the balance is incorrect but could not get Ditech to respond to their inquiries. Yesterday my representative with XXXX, XXXX, suggested that I contact CFPB to get resolution as she was unable to correct the information. Ditech has finally stopped contacting me from the collections department, which they never should have as I am current and have been as long as they have had my loan.
04/10/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33185	Web
To Federal Trade Commission We live in the state of Florida which was hit by Hurricane Irma last XX/XX/XXXX. XXXX XXXX owns our mortgage, and XXXX XXXX XXXX, XXXX is debt collector in charge of processing payments. Due to the impact of the Hurricane Irma, XXXX XXXX gave us a 6 months mortgage relief option to with a due date as of XX/XX/XXXX. This mortgage forbearance agreement provided customers with the option of making partial payments, and we the debtors were able to make partial payments from XX/XX/XXXX to XX/XX/XXXX. We made {$480.00} partial payments every month, which equals to {$2800.00}. Our mortgage payments are up to date but Ditech have the wrong amount on their website. Breakdown of Payments made to Ditech Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Payments made in XX/XX/XXXX Electronic Payment XX/XX/XXXX {$3000.00} Electronic Payment XX/XX/XXXX {$1200.00} Electronic Payment XX/XX/XXXX {$1500.00} Total amount paid to Ditech by XX/XX/XXXX {$8600.00} Please see below all payments made to Ditech Financial LCC Still today Ditech Financial has been unable to bring our mortgage account up to date. We have used all forms of communication with Ditech, phone calls, and electronic media, and Ditech has not corrected their accounting errors in their computer system, we have requested in writing that our account be reviewed and our payments correctly be applied to the amount due. If you have any questions, feel free to contact us at XXXX or XXXX. Thanks, XXXX XXXX
09/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77057	Web
This complaint is in reference to release of insurance money owed to us by Green Tree Mortgage for flood damage that was approved by our insurance company. We suffered flood damage to our home on XXXX in XXXX. We submitted all claims/ required paperwork to our insurance company XXXX XXXX XXXX and they were amazing and expedited everything we needed to do repairs. They issued a check to us on XXXX which had to be co signed by our mortgage company, Green Tree Mortgage XXXX we did not pick this mortgage company directly as they are result of XXXX selling our mortgage to them XXXX. Green Tree cashed the check on XXXX/XXXX/15. I have submitted all the required paperwork and every time I speak to them, they give me the run around and seem to conveniently misplace the paperwork that I have been sending and keep having to resubmit. Every time I inquire on where my funds are, they come up with another reason why they can not release our money to do our repairs. We complied with everything our insurance company needed including documenting and approving all contractors. Now Green Tree is saying that they can not approve our contractors? What right do they have to do this when we complied with all of the proposal requirement and contractor requirement from our insurance. Each time, with over XXXX calls place to Green Tree Claims Department, I sit for over 35 minutes just on hold with Green tree to try and get a live person and continue to get the run around and meanwhile I am living with rotten flooring and sheet rock. As of XXXX, no progress has been made. Per your site, there are having numerous complaints against Green Tree.
03/27/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 63026	Web
This mortgage company took over my account and immediately started attempting to charge me late fees for my payments. When I would call to dispute such charges the representative would tell me that month 's payment was applied to the prior month and that I was a month behind. I have never missed a payment and have all of my bank statements and cancelled checks to prove such. Each time I inquired which month they claimed was missing no one has ever been able to tell me. The burden of proof is on them to prove this false accusation.I have refused to pay any of these " late fees '' as I do not owe any. I have continued to pay my monthly mortgage and have been doing so for 26 years.I also always mail my payments 7-10 days early to assure they arrive by the due date. This company is a predatory mortgage company and have deliberately mismanaged my account in an attempt to gain extra funds from me and in the recent weeks threaten me with being in default. They have cashed recent mortgage payments and not credited me and have deliberately held my payments and cashed them after the due date in the past in order to charge me a late fee. Again, I always mail my payments early enough to arrive before the due date. There is no way such payments arrived late. This company also has sent offers in the past to " wipe away '' all late fees if I refinance with their company.This would cost thousands of dollars and leave me with a higher interest rate than I currently have. This again shows their predatory nature and what their true intentions are. This company has over 12,800 complaints with the CFPB and should be highly investigated.
05/01/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92392	Web	Older American
I received a letter from Ditech Financial LLC on approximately XXXX XXXX , 2017 st ating that my mortgage payment due XX/XX/2017 was not received . ( My mont hly payment was {$1300.00} but increased to {$1300.00} due to an increase in the impound account. ) The letter stated a total amount due of {$89.00} including late fees of {$46.00}. The amount past due was {$43.00}. The letter then stated that I could seek assistance or guidance from HUD a list of approved counseling agencies can be found at HUD.gov. The letter then stated that I could make a payment online, visi t Ditech online or call. The letter then stated " This communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose ''. Very intimidating verbiage. NOTE : the past due amount of {$43.00} was due to an increase in the monthly payment due to an increase in taxes assessed and being paid through an impound account. The deficiency was simply due to my failure to increase the automatic monthly payment by the increase amount. I simply forgot. I contacted the company to question the 100 % + late charge and was informed that the charges are based on the whole payment, even thou gh Ditech recei ved and processed {$1300.00} on XXXX -17. My payments are set up for monthly automatic deduction from my checking account. Upon my discovery, this date, I paid via automatic payment to Ditech the {$4 3.00}, which they will receive tomorrow ( X/XX/17 ). The customer service representative took my information and stated that she would have someone return my call.
06/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 01604	Web
On behalf of my client, I submitted a nonrecourse assumption modification package for review to DiTech on XXXX XXXX, 2016. On XXXX XXXX, 2016 I submitted additional documents they requested. Since that time to now, XXXX XXXX, 2016, this file has not yet moved to their underwriters. Their excuse is that they have a new computer system and the packages that have been faxed to them prior to their new computer system, are getting lost in the process. I stated that they should only be allowed no more than 30 days to review the file and if complete, they should have a decision no later than 45 days. The staff state that because this file was sent to them prior their new computer system, they are allowed to take as much time as they want to review this file. They state that this is considered an " in-flight mod review '' which means if the package was complete before their new system was installed, they can not request updated docs. I have not been able to get consistent information when I call to check status on the mod pkg. I was told on XXXX XXXX the package was showing complete and it was under review for QC to sign off and forward to underwriting for the XXXX XXXX. I was told that we should have a decision by the next week. Unfortunately, the file sat with DiTech 's QC department without the SPOC, XXXX ( Single Point of Contact ) making sure the file moved to underwriting. DiTech 's staff is incompetent and unprofessional. Today I was told they need additional information to move forward. Why has this taken DiTech 2-3 months to realize they need additional documents? Why are the responses from the staff inconsistent?
07/28/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AR 72023	Web
The mortgage was transferred from XXXX to green tree on XXXX XXXX. The same day a escrow summary was sent from XXXX saying we needed to pay a buffer of XXXX by XXXX XXXX or the mortgage would go up by XXXX dollars. Green tree has no records of this but shows the increase of the mortgage. They have no escrow rep other than customer service and do n't even have our latest escrow records. How can they have our mortgage and no escrow records? I 've talked to supervisors and no one will help us. And I Faxed them our own records out of pocket to try and get this taken care of before XXXX XXXX XXXX what We got was they would review it. We are running out of time. It 's very bad run company and they sent us a record when We complained saying We were disputing the debt. Like I was disputing the whole mortgage. We were not and it was a scare tactic. I 've lost my temper with them and been frustrated, I 've tried being nice, I 've tried to be considerate and it all fails. We just do n't understand how they are strong arming us for asking questions about the mortgage. The kicker is they tried to talk us into refinance at one point too. I just do n't know what else to do. They said they would take the buffer over the phone and waive the fee, but when I faxed the paperwork on XXXX XXXX no one called back. Then on XXXX XXXX I called and the supervisor would n't even get on the phone and they said escrow dept would have to review and they did n't know how long it would be. Effectively putting us past XXXX XXXX. I 'm distraught by this company and the lies, ineptitude, and general feeling of doing us a favor of taking our money.
05/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92555	Web
On XXXX/XXXX/16 a late payment was processed through DITECH CO for XXXX ( my XX/XX/XXXX payment and made a future dated payment for XX/XX/XXXX which would have been drafted XX/XX/XXXX. On XXXX/XXXX/16 a web bill pay was made through my bank in the amount of XXXX to GREENTREE SERV TYPE ( this was a Payment that should have been stopped by my bank since a cancellation was requested on XXXX/XXXX/16 because I made a payment directly through DITECH CO., my bank XXXX XXXX XXXX said they were unable to stop it because it went through as GREENTREE. ) due to this mistake my account became overdrawn. I spoke with DITECH CO on XXXX/XXXX/16 who agreed to return funds within 4-5 business days. This was not done. After numerous calls made to get the funds and getting the run around it was now XX/XX/XXXX. I told the representative to keep the funds and apply to my account for XX/XX/XXXX payment since we are in XX/XX/XXXX now. They said ok. 2 weeks later I get a notice of default because my XX/XX/XXXX payment has not been paid and I 'm still owing on XX/XX/XXXX payment ( which is lost by them in the first place ) so I call back and spoke to XXXX who said he will take care of it personally and advised me to make my XX/XX/XXXX payment in good faith that XX/XX/XXXX will be resolved. So I did. Now two more weeks later I called them because I 'm getting ready to pay XX/XX/XXXX and they still are saying I 'm behind a month and keep giving me the run around. They told me today I have to wait 30 more business days. I just want somebody to help me get this resolved because I am being given the run around and my credit is being affected.
06/10/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MA 01906	Web
I pay my mortgage in 2 monthly installments on the XXXX and XXXX of each month via EFT. My XXXX XXXX payment was applied on XXXX XXXX, but the next XXXX payments have not been applied. In XXXX just after the XXXX payment was sent, I received a letter from Ditech advising me that I needed to take action on my " delinquent '' account. After the first 6 hours on the phone, I learned that Ditech changed the account numbers in XXXX ( from Green Tree to a Ditech number, without any notification ) and they are unable to locate my payments. I have spent more than 10 hours on the phone with them, talking to the same person ( XXXX XXXX ) over and over and every single time it is like it is our 1st conversation. Today I had the misfortune of speaking to one of XXXX XXXX peers, who was just as rude and ignorant as could be. I asked 4 times for a manager before I was put on hold, and then the call was disconnected. I have faxed copies of my bank records to their customer service department and walked that manager through the history. I asked what else I could do to get this resolved and was told it was all on Ditech to finish the research. I did n't hear from anyone for about a week until today when XXXX XXXX, the collections officer assigned to my account, called to tell me my account is now x days past due. No mention of the supposed research being done on my behalf. In the meantime, they are assessing late fees and interest on top of that, and I am at a loss as to what to do. In my opinion, when they could not apply the payment properly they should have returned the funds. At least I would have known something was wrong.
05/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22193	Web
DiTech XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX My mortgage is with DiTech, serviced by GreenTree. I received a call at work from them in XX/XX/XXXX that my account was 60-days past due. The customer service representative was extremely rude. I attempted to ensure her that I had made my payments without success. When I got home and checked my statements, they showed all my payments and my account current. When I called back the next day, a different customer service person found that DiTech had a computer upgrade earlier in the year and some payments were not being credited to the proper accounts. I even showed her where an erroneous payment had been credited to my account. They removed the erroneous payment that day. It has now been approx thirty days and I continue to get statements/documentation that my account is overdue. I had my bank confirm the XX/XX/XXXX payment ( due XXXX XXXX, DiTech received it XXXX XXXX ), but DiTech is not crediting it to my account. They have posted to my credit report that my account is past due. DiTech said they would send a correction, but the item is still in my credit report. I asked for documentation of the credit report correction, but have received none. My job requires financial responsibility. DiTech 's inability to accurately process my payments and negligence in correcting their mistakes will cause difficulties for me now and later. Every time I talk to the DiTech CSR, I am assured that they are working the problem and that my account is current. Yet they continue to take actions as though my account was overdue. I have lost time at work to try and correct this issue.
10/14/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 196XX	Web
I received an estimated escrow analysis from ditech on XXXX XXXX. I was informed that my monthly mortgage payment would raise {$200.00} to make up for a shortage in my escrow account. Ditech mistakenly had estimated that my property taxes would be paid twice a year and I only pay them once. This led to the " shortage '' and increase in my payment. I called immediately XXXX XXXX XXXX ) to correct the issue and was told that an updated escrow analysis would be completed fixing the mistake. My payments would not change according to the person I spoke to. I called again on XXXX XXXX and was told the issue was not resolved and my correct escrow analysis was never completed. I was also told I would be called back the next day when the issue had been taken care of. I called the next day and was told again that nothing had been done to correct the company 's error. I was then told that they needed 5 business days to fix the escrow analysis and I would be called back when it was finished. I was called on XXXX XXXX and told that the escrow analysis was completed on XXXX XXXX and mailed to me. I needed to call customer service to get the payment amount corrected. When I called customer service, I was told that the escrow analysis still had not been shown as completed and that they had until XXXX XXXX to complete it. I was also told that, at that point, it would be too late to fix my XXXX payment and I would just have to pay that amount. I called again today and was told again that nothing was shown as being adjusted on my account, but that they would request that someone from the tax department would call me tomorrow.
06/01/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	MD 20735	Web	Older American
Attached is the letter received XX/XX/XXXX , dated XX/XX/XXXX , Ditech fo rwarded advising me of ineligibility for their XXXX loan modification programs that I applied for. In the seventh paragraph they state I am ineligible for their XXXX XXXX XXXX Proprietary Modification be cause my conbined household debt of {$1300 .00} ( made up of {$910.00} mortgage and {$450.00} interest only HELOC ) is less then the threshold of 45 % of my total gross monthly income of {$3100.00} thereby deemed affordable. The mortgage expense above is just barely affordable on my fixed income. The HELOC is due to reset in at few months so I included with the mod application an estimate of the new payment to use in determining my eligibility. However, it was not used in the calculation. Ditech did not sent me the new reset payment amount until after I applied. The new payment amount of {$850.00} is almost double what I am currently paying. Ditech used the current payment not the new reset payment ( which they knew all along ) to determine DTI ratio an d ineligibilty. Furthermor e, Ditech has serviced my HELCO for many years and is aware of the loan modification programs for which I was eligible, but they never reached out to me as recommended by the Office of the Comptroller of the Currency ( OCC ). Finally, the second page speaks of submitting {$200.00} as down payment for an appraisal. Why? I have been living their since the end of summer last year ( XXXX ). My understanding from friends, appraisals have n't been used for modifications only home valuations which cost substantially less.
05/29/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 074XX	Web
Around XXXX a mortgage company named Green Tree took over the mortgage for my home. Green Tree forced placed flood insurance on the house, flood insurance I had already purchased out of pocket. I had escrow for one year when I bought the house in XX/XX/XXXX, after that I dropped the escrow and started paying bills associated with the house out of pocket. I tried to resolve the issue of the forced placed flood insurance with Green Tree, sending them proof of insurance several times but was met with threats of forclosure and demands that I leave my home. It got to the point where they did start forclosure proceedings and refused to accept any payments I made towords my mortgage. I couldnt even make any future flood insurance payments because my money would always be returned to me but they allowed me to continue to pay for the home owners insurance and the taxes. I have an attorney who I expected to help me out with this problem. Considering the fact that Green Tree had multiple complaints and even lost several, multi-million dollar, class action law suits against them in reference to this situation, I thought this matter would have been resolved a long time ago with a ruling against Green Tree. To make matters more complicated, Green Tree is no longer in business. Now it is getting down to the wire, I received a call from a stranger, not my lawyer, to inform me that my house is scheduled for a sheriffs sale to be held in XXXX. I know its late and cutting it close but I am at the end of my rope and I am hoping that this letter reaches someone that can help me before I get kicked out of my home. Thank you.
01/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77006	Web
A missed payment in XX/XX/2018 resulted in being excluded from ACH payment process. Subsequent manual payments commenced. A missed payment in XX/XX/2018 was communicated by phone message and letter but not by email or even using the account holder message alert system. The mortgage company put in place delinquency notice and subsequently effected my personal credit score. My issue is that this company actively makes it hard to comply on the basis of the following ; 1. If normal ACH is not possible no second or third attempt is made. It simply goes straight to a non-payment situation. Given the longevity of my payment record on this mortgage I find this approach completely unhelpful and is purely self serving on the part of the company. 2. Once issues with payment have occurred communication of same is very poor. Surely immediate email notification should be the communication of choice. 3. Once there has been an issue with an ACH payment your are locked out of any future ACH for a period of 12 months thus exacerbating the issue by having to return to old school manual payments. Overall I feel the treatment of me, as a customer, is reprehensible by this company. If I could change companies, without incurring significant costs I would. The company is actively making it difficult by blocking the easiest payment route and I believe on the basis of securing additional revenue in the form of late fees exacerbated through subsequent bureaucratic red tape and probation periods for the accessing the easiest repayment routes. Federal oversight should come down hard on companies that exploit such situations.
08/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30075	Web
To whom it may concern, Reference : green tree denial letter dated XXXX XXXX,2015, Labeled # 1Income was incorrectly calculated not based on correct DTI or NET INCOMEReference : green tree denial letter dated XXXX XXXX,2015 Labeled # 2This hardship is temporary and has been resolved ; I still need a loan modification to lower my monthly payments so I can keep my primary residence and increase my earnings. Reference : green tree denial letter dated XXXX XXXX,2015 Labeled # 3Gross income and DTI were calculated incorrectlyReference : green tree denial letter dated XXXX XXXX,2015 Labeled # 4From my understanding, I qualify for a streamline modification because my credit score is under XXXX and AGAIN MY INCOME WAS CALCULATED INCORRECTLEY AND MY DEBT TO INCOME IS not AccurateResolution ; I would like to see patterns from green tree lending on Debt to Income miscalculations and denials of modifications in error I am requesting a review of all financials by a qualifying manager, or VP whom has an understanding of XXXX individual, which may include review by a CPA or any qualified individual that is familiar with sole proprietorships. Modification has been in review since XXXX 2015, with no Final resolution. Green Tree is threating to foreclosure on my primary residence. I am not current on my payments and this letter is inaccurate. I am requesting my complaint be forwarded to the Department Of Justice and FDIC for further investigation of misrepresentation and inaccuracies for those indicated in my letter, but others with the same issues/hardships due to the economy. Respectfully and Humbly, XXXX XXXX
07/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 61401	Web
I have a mortgage with Green Tree Servicing LLC. In XX/XX/XXXX my house was going to be foreclosed. I was told that I needed to raise {$62000.00} to keep it. I had to sell everything I had and borrow money from friends and relatives to get that money. I was told this was going to cover everything, including attorneys fees, late fees, escrow negative balance, taxes and everything else. After I sent in the payment, they raised my mortgage payment from {$810.00} to over {$1500.00}. I was told it was raised due to escrow. I asked them why was I being charged for escrow when I had paid for it. They responded that the {$62000.00} all went to interest and there was not enough money to cover escrow. XX/XX/XXXX I received I letter stating that I had paid {$40000.00} in interest. I called Green Tree and asked where were the other {$22000.00} I paid in XXXX, also where did the other XXXX payments of {$1500.00} during the year of XX/XX/XXXX go to. I never received a clear response. I hired an attorney and they sent us an incomprehensible statement which did not add up to all the monies paid. We asked detailed information that stated exactly how much went to interests, how much went to fees, how much went to the principle etc. Their response was that they did not have that information available for us and that was it. My concern and plea for your help is to find out where that money went to and also why did they lie to me about the escrow. Why am I now paying over {$1500.00} a month on a mortgage that is {$90000.00}. Now I am again behind on my payments and again with the threat of loosing my house. What do I do?
02/13/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70118	Web
My issue is with Ditech, and the servicing of my loan. On XX/XX/XXXX, Ditech paid the flood insurance on my home in XXXX XXXX. The amount paid was {$560.00}. My premium amount was {$450.00}. When I called Ditech on XX/XX/XXXX, they told me that Ditech paid my insurance premium without receiving any documentation from my insurance company for the amount old. The supervisor in the insurance payment division further told me that someone from Ditech called my insurance company on XX/XX/XXXX, and requested the premium amount over the phone, and the insurance provider said that the amount was {$560.00}. Ditech was unable to provide me with any record of this phone conversation when I spoke with them on XX/XX/XXXX. I have a statement from my insurer datedXX/XX/XXXX ( the same date that Ditech says they talked to my insurance company ), saying that my insurance premium is actually {$450.00}. I don't believe that Ditech contacted my insurer. I don't believe that they made any attempt to know how much my premium was supposed to be before paying my premium. I can't believe that they would pay my insurance premium without some sort of paper trail or documentation stating the amount of insurance owed. This is my second issue with Ditech. Last year, Ditech paid two different premiums on two different hazard insurance policies covering the same house. They did so despite my insurance broker notifying them that one policy had been cancelled, and that I had a new policy. I saw my mortgage payment spike, and had to devote a significant amount of time and effort to retrieving my money -- through no fault of my own.
02/26/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA XXXXX	Web	Older American
Ongoing Dispute with Ditech Financial LLC Of note, original loan was with XXXX, then XXXX, then Ditech bought loan in XXXX/XXXX/XXXX. Property taxes and insurance were NEVER part of escrow or to be impounded with loan ; and have always been paid direct by me. XX/XX/XXXX Ditech sent notice stating escrow is short/delinquent. My several calls and inquiries and letters, provide no explanation or satisfaction, let alone resolution of why shortage and where do they come up with this. The last communication from Ditech says " they were notified of delinquent property taxes '', thus the shortage on my escrow is {$2400.00} and future projected impound of {$1100.00} is due. But I have paid all my property taxes and I sent another letter certified and it included my cancelled checks for property taxes, including the XX/XX/XXXX installment pymt and those for all of XXXX. It also included XXXX receipt of payment information and my property tax statements and also asked they check the XXXX website and enter my parcel number where they can obtain the same info. As of now I have no resolution, their last communication continues to reflect a shortage of {$2400.00} for XXXX and projected impound for future property tax impound of {$1100.00}. My next mortgage pymt is due XX/XX/XXXX and I do n't want to pay the increase monthly adjustment of even {$42.00} when I do n't owe it but worry about my credit score. Do Note I will continue to fight this but very concerned that Ditech is not just negligent and incompetent, but that they are fraudulent and attempting this scam on others. Do I need to get a lawyer to fight this?
08/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75243	Web
I have been working with my mortgage company, Ditech, for several months to remove my PMI from my mortgage account. I payed for an appraisal at Ditech 's direction, only to later be told that the home would not qualify to drop PMI for several months. After the appraisal was completed, I was informed that the PMI would dropped at the loan 's 2 year mark on XX/XX/XXXX. On XX/XX/XXXX, I called Ditech to confirm the PMI had been dropped, and requested a refund for the prorated dates I had paid for with my XXXX payment. The PMI has not been dropped, and I was informed that the PMI was paid for the upcoming month, therefor my XX/XX/XXXX payment would cover my PMI through the end of XXXX, and would be prorated. Today, XX/XX/XXXX, I spoke with Ditech again and was informed the PMI still has not been dropped, and that PMI was actually payed for the previous month. They said to expect to pay the full PMI amount for my payment due XXXX XXXX, and then to receive a refund for the prorated amount which would be applied to my ESCROW account. They still have not answered why my PMI has not been dropped, nor have they confirmed a date when I can expect to receive confirmation of the PMI being dropped. This process is ongoing, and the initial process was initiated in XX/XX/XXXX. The current date is XX/XX/XXXX. Over 6 months for a process including multiple letters, over 20 phone calls, dealing with over a dozen representatives, and this is after I was initially told should only require a single letter and an appraisal. The original estimated time fame was approximately 3 weeks after my written request was submitted.
02/15/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 27265	Web
On XXXX XXXX, XXXX I contacted XXXX XXXX, which served as the provider for the Accidental Death and Dismemberment Insurance carrier paid through my Ditech Financial, LLC mortgage regarding the cancellation of my policy. The representative at XXXX XXXX cancelled my policy, making the effective date of cancellation XXXX XXXX, XXXX. However, I have continued to be charged by Ditech Financial, LLC each month the {$24.00} premium for this policy, despite the policy being cancelled. I contacted Ditech in XXXX and XXXX of XXXX and I was told both times that the policy had been cancelled and I will no longer be charged, however as of my most recent statement I am still being billed the XXXX and have not received any credit or refund for my excess payments. I also have attempted to obtain a loan modification through Ditech. On XXXX XXXX, XXXX I completed a loan modification request form and attempted to submit it electronically through the link provided on my customer account portal online. I received an error that the link was not available. I received the same error message daily for the next week. I contacted Ditech directly on XXXX XXXX, XXXX and I was advised to submit the modification request through a link that was provided via email. I submitted the request and was advised that I would be contacted within XXXX - 10 business days regarding my request. I have not received any follow-up regarding my request to this date. When I contacted Ditech on XXXX XXXX, XXXX I was advised to allow another XXXX - 10 business days as they were working on a backlog. I still have not received a response to this date.
04/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 183XX	Web
I am a Ditech mortgage holder. I paid my bill on XXXX XXXX as normal via ach debit of {$810.00}. With no notification to its customers Ditech changed the account numbers and my payment went to the old account number not the new one. Ditech " customer service '' is in agreement and they see the payment in the system. I have been begging them for weeks to please simply apply the payment they received from me to the correct account on the day they received it. I have been met with lies, anger, total inaction, and pure contempt for such a low level request. Their computer system and billing shows that I 've paid nothing since XXXX XXXX. I am receiving calls from their collection agents, and threatening letters in the mail. They are wasting my time, my health, my good name, destroying my credit, charging unjustified interest, late fees, and wrecking all that i have worked so hard for decades. Their unqualified and nasty " managers '' and misinformed and unhelpful " customer service '' agents have the nerve to say that their verbal " assurance '' that they have the payment logged in on XX/XX/XXXX and are not charging me anything extra and that everything is just fine should be enough for me to be satisfied is SHOCKING!! The verbal assurance of such apathetic employees that could not care less about me means nothing, especially since what they are saying is completely illogical! Ditech certainly would never take my verbal assurance for anything, and i would expect the same in return. It is very simple, my account and payment status must reflect what I paid and when I paid it. PLEASE PLEASE PLEASE HELP ME!
07/30/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	AZ 851XX	Web
I applied for and was granted a loan modification in XX/XX/XXXX. I was XXXX years old and XXXX and on social security my husband was unemployed and his unemployment had ran out. I am now XXXX years old, my husband is still not working due XXXX XXXX XXXX and XXXX. My family has been helping us keep the mortgage current but they are slowly stepping away. I do n't want to lose my house. I have fought for this house for so long. I will find a way to keep to my payments current. The mortgage company told me on XX/XX/XXXX, I qualified for the HARP Program I spoke to XXXX XXXX at Ditech Financial XXXX ext. XXXX. He told me in detail that I would received {$5000.00} off of my principal on XX/XX/XXXX and every year after that I would receive {$1000.00} off my principal until the 6th year. then I would receive another {$5000.00}. and so for and so on for the life of the loan. I was also told this by other parties that work for the company. But I get a call in XX/XX/XXXX from XXXX XXXX now stating that I will only be getting a one time {$5000.00} off the principal. I feel like this company is trying to take advantage of the elderly. We have already been taken advantage of by XXXX XXXX XXXX. Now this company to! Because it was explained in detail how the program is suppose to work I feel like something is wrong. Because now he is telling me that they are putting me in another program. It is called Pay for Performance. What Performance! I have been struggling to pay!! Are they telling me one t hing and doing another and pocketing the other money? It just does n't feel right! Please investigate this process!
08/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32218	Web
XXXX transferred servicing to Greentree but did not notify me properly of the transferring. XXXX previously notified me that they were transferring the servicing and subsequently sent me a letter notifying of the cancellation and disregard the letter. I paid XXXX through XXXX until I received a return of payment. I contacted Green Tree who stated they had received transferred payments from XXXX and my servicing had transferred since XXXX 2015. Green Tree requested I pay the XXXX payment although the payment had been made to XXXX thus I have made XXXX payments in XXXX month. As of today the payment has not been transferred and I was required to make a payment. This property is on an active Chp XXXX BK but when speaking to the Green Tree representatives, all of them today due to transferring back and forth XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX ) she stated that the property showed the stay had been lifted. On further investigation she advised the stay was associated to another property. Therefore second inaccuracy is being reported erroneously on my credit and not paid as agreed and I am receiving collection calls in violation of the Chapter XXXX BK. I contacted XXXX and spoke with XXXX XXXX XXXX who confirmed my XXXX payment and all prior payments had been transferred to GreenTree. He is investigating. He could not confirm the supposedly relief of stay that Greentree indicated XXXX had provided but transferred me XXXX XXXX who after my explanation asked to place me on whole and the call was disonnected. I recalled and spoke with XXXX XXXX who stated their records show no motion of relief.
04/28/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 024XX	Web
On XX/XX/XXXX, I called my mortgage company to ask them to stop paying my local real estate taxes out of my escrow account because I was doing that now. On XX/XX/XXXX, my mortgage company paid my real estate taxes anyway, {$2000.00}. On XX/XX/XXXX, I closed my escrow account so they wouldn't pay any of taxes again. I then had to fight with my City to refund the extra tax payment. They did so by sending a check to my mortgage company on XX/XX/XXXX. XXXX. ( see e-mail confirming that ) So, I then started calling my mortgage company to get those funds. Each call lasted between 15 and 25 minutes. At each call I asked them to call my cell phone if there were any problems with my request. XX/XX/XXXX : they said they received the check but have not yet processed it. XX/XX/XXXX : same story XX/XX/XXXX : they have received it and will process my request XX/XX/XXXX : I was told there was a problem because the funds were deposited into a non-existent escrow account, so another procedure had to be started. And they would expedite my request and I should get it in a week. XX/XX/XXXX : I was told that it takes two weeks to process the request, so it should be done in another week. XX/XX/XXXX : I was told they sent me a e-mail on XX/XX/XXXX with some questions they needed answered. But I did not receive such an e-mail, but what are the questions and I will answer them. They said they didn't know, but they offered to start the process anew. XX/XX/XXXX : I called to tell them I was contacting my state Attorney General. My state attorney general said to file a complaint with the CFPB, so here I am.
04/09/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MS 39503	Web	Servicemember
1. I financed my home XX/XX/XXXX for Approx {$290000.00}. 2. I had a loan modification back in XXXX with XXXX. they only lowered my payments by approx. {$33.00} per month. my original payments were around {$2700.00} per month. 3. I am a XXXX employee who was furloughed back in XX/XX/XXXX. At that time I applied for another modification. My payments were lowered to around {$1400.00} per month. I was told that my payments would be stretched out for 40 years, but I could pay it off earlier. 4. My mortgage was sold to Ditech. When I checked with them about a refinance, I was told I had a balloon payment of approx. {$90000.00}. 5. I went to my credit union ( XX/XX/XXXX ) instead to have my home refinanced. when I asked for the payoff, I was told I owe {$290000.00} still. When I I asked how do I owe more money after paying a mortgage on my home for almost 10 years. I did not get a sufficient answer. 6. when I go online to the Ditech website, it says that my principle balance is {$200000.00}. But they sent me something saying that I still owe a balloon payment of {$90000.00}. 7. I am not sure how I owe more money 10 years after I have been making payemtns on my home. 8. The Ditech representative ( a male ) was very rude and disrespectful. 9. I am trying to refinance and leave Ditech all together, but I am not sure why my payoff is more than what I purchased the house for after 10 years. It is my idea that I only should owe what the my statement principle balance states ( {$200000.00} ). Even the credit union representative who is helping, me to refinance says that something is not accurate.
08/23/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 92660	Web	Servicemember
In XX/XX/XXXX I filled a Chapter XXXX Bankruptcy, the Bankruptcy was closed XX/XX/XXXX. Through the Bankruptcy Court a motion was granted to avoid unsecured liens on multiple properties. Dietech Financial ( lien held by Greentree during bankruptcy ) is the owner or servicer of one of the avoided liens. On XX/XX/XXXX I contacted Dietech to verify the lien had been released and re-conveyed. I spoke with XXXX in the bankruptcy department and was told my request would be forwarded to local counsel for review. On XX/XX/XXXX I contacted Dietech and was told the language in the motion stated release is contingent on discharge of bankruptcy and they will not release the lien unless I was able to get the ruling revised. Unlike other types of bankruptcy in a Chapter XXXX there is no discharge. The plan of reorganization is confirmed by the court and the case is closed. I have had two liens that were released based on the granted motion to avoid and both of them contained the same language regarding discharge. XXXX released a junior lien on XXXX XXXX XXXX XXXX my primary residence and Real Time Resolutions released a junior lien on XXXX XXXX XXXX. Dietech is the only lien holder who refuses to honor the motion to avoid. I believe that Dietech is attempting to force me to go back to Court and re-open the case to amend the order. Dietech knows this will be expensive and cause damage to my credit. Attached are copies of the following documents : 1. Bankruptcy Order to Close 2. Motion to Avoid Liens 3. Letter from Dietech regarding lien 4. Re-conveyance from XXXX 5. Re-conveyance from XXXX XXXX XXXX
06/05/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	MO 64134	Web
Ditech, formally known as Green Tree, has erroneously collected payments from us on behalf of XXXX XXXX XXXX XXXX XXXX XXXX as Trustee, although they do not possess an endorsed note transferring it from our original lender. They have further violated our consumer rights by collecting service fees as a requirement to make our payments online or by phone. They have deceived us into writing the investors name on the note after they put an endorsement stamp on it with the name of our lender and told us it was necessary to process a Deed in Lieu of Foreclosure, which they were offering to us as opposed to processing a short-sale. After we wrote the investors name on the note under the stamp they put on it, they told us we had to pay the note up-to-date before they do anything else. Ditech has ruined our credit and caused us great hardship financially and physically by continually transferring our short-sale request to different loss mitigation agents and not addressing our request for a short sale and repeatedly requiring us to bring the loan current in order for them to consider our short-sale application. This caused us the loss of XXXX buyers and eventually resulted in foreclosure of our property and additional prosecution in court for the home equity loan they were collecting for, even though our note provides only for arbitration outside of court by either party and does not allow for court action. We are joining together in our complaint and we are asking for separate monetary relief and a refund of all amounts erroneously collected. The full length complaint is attached along with exhibits.
03/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28215	Web	Older American
We have a current file case. XXXX. We have additional information to add. We have been in the process of trying to get a loan modification for the second time to no avail we have also experiences charges from the information that I have copied. The agencies also allege that Green Tree pressured consumers to make payments via XXXX, a third-party service that charges a {$12.00} " convenience '' fee per transaction, claiming it was the only way to pay, or that consumers had to use the service to avoid a late fee. Mishandled Loan Modifications and Delayed Short Sale Requests According to the complaint, in many instances, Green Tree failed to honor loan modifications that were in the process of being finalized when consumers ' loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. In addition, Green Tree took up to six months to respond to consumers ' short sale requests despite telling them it would respond much more quickly. These delays caused consumers to lose potential buyers, miss other loss mitigation options, and face foreclosures they could have avoided. Misrepresented Account Status to Consumers and Credit Reporting Agencies Thank you for your support.
10/27/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	KS 66109	Web
We have repeatedly tried to contact DiTech for a XXXX XXXX. I have done it in the past and they approved it. On XXXX I had an envelope taped to my door from a lawyer stating that my house is in Foreclosure. I filled out all the loan modification paperwork with everything requested the end of XXXX. I put the house on the market hoping to sell before receiving a rejection or acceptance of the loan modification because I can never speak to anyone. They have assigned me a representative named XXXX who never answers her phone and does not accept voice messages. I gave my realtor written authorization to speak on my behalf to DiTech, as I have a job that requires my full attention XXXX, which is the same hours as XXXX XXXX My realtor can not get ahold of her or anyone else about my loan. She spoke to XXXX once and was told that all my loan modification paperwork was turned in and the manager was reviewing. She said the manager would send me a rejection or acceptance letter within XXXX days which I have never received. My home is being sold in an auction on XXXX XXXX, XXXX and I still have not heard anything from DiTech nor can I get a hold of anyone at DiTech. Please help me in finding out if I have been rejected or accepted for a loan modification. I do not know what else to do. Can this company refuse communication with me but still sell my home in an auction? Can the still sell my home in an auction without communicating to me that I have been rejected or accepted a loan modification. I do not know what else to do so my realtor advised me to file a complaint with you. Please advise. Thank you!
12/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 79605	Web
My roof and siding were damaged in a hail storm in XX/XX/2016. We selected a contractor, recommended by the insurance company. We paid the contractor {$10000.00} from our own account to pay for materials to begin. We received an initial check from XXXX, then an additional check after estimates by the contractor, and a final check after the work had neared completion. The total of the checks was about {$28000.00}. All checks were made out to us and our mortgage company. We have endorsed all checks a sent them to the mortgage company, Ditech, along with copies of all insurance estimates, and contractor prices for roof, siding, and painting. Ditech sent an initial reimbursement back to me of {$10000.00}. Ditech hired a 3rd party inspector to confirm that work was completed, and we assumed that the remaining funds would be released. However, they have continued to hold all remaining funds stating that the IRS has rejected the contractor 's tax ID. They state that remaining checks must be made out to the homeowner and the contractor, and will not issue remaining funds until this matter is cleared. Our contractor has made numerous calls and faxes to send them the correct information. They are a long-time, reputable company, actually recommended by XXXX. We are extremely happy with the work. Our insurance agent says he has never heard of a mortgage company insisting that both the homeowner and contractor be named on the reimbursement check. We have paid the contractor a total of {$18000.00} out of about {$30000.00}, but do not have the remaining amount until it is released by our mortgage company.
08/05/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30032	Web
Ditech, LLC is the mortgage company that services my mortgage account and collects the funds for the escrow on my home. XXXX XXXX, XXXX, I received an Annual Escrow Account Disclosure Statement indicating an increase in my mortgage starting XXXX XXXX, XXXX. My mortgage is to increase from {$600.00} to {$760.00}. I was told by a Ditech phone representative this increase was due to an escrow shortage of {$3100.00}, as she presented this amount indicated on the escrow statement sent to me. I was told by the Ditech representative, at the company 's call center, that this shortage was a result of my XXXX property taxes of {$1400.00} and XXXX home insurance payments : XXXX- {$850.00} and XXXX XXXX {$910.00}. However, when these XXXX explanations add up to {$3100.00} and I paid {$120.00} in escrow payments for twelve months in XXXX. Therefore, my escrow payments for XXXX totaled {$1500.00}. Deducting my XXXX escrow payments from {$3100.00} will leave only {$1600.00} in shortage in my escrow account. I will need an explanation on why my escrow account has a shortage of {$3100.00} instead. This is {$1400.00} over anything indicated on my XXXX XXXX, XXXX Annual Escrow Account Disclosure Statement. The Ditech representative I spoke to on the phone could not provide an answer for the unexplained expenses. Furthermore, the representative said a supervisor would call me to provide an answer. I received no further communications on the matter. I need to know where these extra expenses are coming from or they must be removed from my account immediately and my mortgage monthly payments adjusted accordingly.
10/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 700XX	Web	Servicemember
My mother died and I did not know she had a mortgage on her estate. When i found out about the mortgage i immediately contacted the mortgage company to make a payment. They informed me that I was not the executive of estate due to the fact they can not talk to me. Thereafter I became the executive of estate, then they requested documents death certificate, will, utility bills my birth certificate so on an so forth. By that time The mortgage company XXXX informed me that the estate was in foreclosure. That there was not a payment in a year. I panicked for a moment. I asked what is it that I have to do to stop the foreclosure. XXXX informed me that I had to fill out a Loan modification packet. I did over a dozen of Loan Modification packets. XXXX informed me that I was denied a Loan Modification because I was not residing in the house which the utility bills had the address of the estate. By that time XXXX had sold there Company to XXXX XXXX. Then we had to start over again. At that time I had all the documents XXXX XXXX XXXX requested at that point XXXX and XXXX XXXX was at fault for over charging minority. Then XXXX XXXX XXXX sold there Loans to Greentree. At that point I had to start over again they did not have any documents from the previous Companies. How can you determine if my mother owes on a loan if you do not have any documents that I summited. Well after I summit all the documents that greentree requested. Greentree always said that XXXX document or another. I played alone with that game for about two years then Greentree informed me that they was merging with DiTect at wits end.
05/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 47201	Web
On XXXX/XXXX/16 I sent Ditech a payment in the amount of {$20000.00}. This payment was for my XXXX XXXX 2016 payment of {$630.00} and the rest was to go towards the principal {$19000.00}. Ditech applied the entire amount towards the principal. I contacted Ditech on XXXX/XXXX/16 to resolve this issue. It was not resolved because of an internal problem at Ditech. I again contacted them the 1st week of XXXX because the issue was not resolved. Again, I was told they are experiencing a delay because of an internal issue. I again contacted Ditech on XXXX the XXXX as the issue was still not resolved. Ditech then sent me a statement on XXXX the XXXX stating that my mortgage was overdue and I was being charged a late fee of {$26.00}. I contacted Ditech on XXXX XXXX as this issue was still not resolved. On XXXX/XXXX/16 I sent a payment of {$2000.00}. The payment was for the XXXX XXXX 2016 payment of {$630.00} and the remainder was to be applied towards the principal {$1300.00}. I received a statement from Ditech on XXXX/XXXX/16 that the payment I sent had been applied towards XXXX and XXXX payments and towards a late fee of {$26.00}. I contacted Ditech on XXXX/XXXX/16 to speak with a supervisor. Again, I was informed by Ditech that this issue is in process of being resolved. I have called Ditech 5 times to resolve this. Each time I have called, I 'm told that they are in the process of correcting this but they are having internal problems that have caused a delay in service. This has gone on for a over month now without resolution! In the history of this mortgage, I have never paid late!
09/09/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	MA 023XX	Web	Older American
We fell behind in our mortgage with Greentree Servicing, and received notice that they were planning to foreclose. We talked to them and were told that they would send us a plan whereby we would make 3 consecutive monthly payments, on time, and then our mortgage would be reinstated. We received a XXXX XXXX page booklet shortly after that and proceeded to comply with it 's terms. Per the instructions, at the end of the 3 months we submitted the pages they enclosed in that booklet, the ones that required notarized signatures, and awaited results. The following month, we received a new bill from them showing that the mortgage had been reinstated and what the new monthly payment would be. That was when we saw that the mortgage had not been reinstated but had been re-written, and at double the interest rate of the previous one. We called them and after much transferring, supposedly reached their credit payment department whereupon we were asked why we had signed the new mortgage papers if we did n't like the interest rate. When I explained that we returned the papers, as directed, under the impression that the mortgage would be reinstated, not re-written, we were told that as far as they were concerned it was a done deal and we had no further redress. We called an attorney and was told that we 'd be better off going through our state 's Attorney General 's office for consumer protection. We called that office and were told to get an attorney. Home health issues erupted at that time and we lost track of this. Your recent settlement with Greentree has prompted this complaint.
05/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 751XX	Web
I had a fire on an out building built long after mortgage was secured ( did not originate with ditech ). It was a therapy building for my XXXX special needs sons. Since I have a mortgage the insurance company had to include th on the check. I still owe funds for this building ( put on my cards ) I contacted Ditech to get the ball rolling so I could pay off this debt. I was told I could not and needed to sign the check and send it in and then they would regulate the rebuild. Finally on XXXX XXXX I called back to speak wtih a supervisor to get more details and to explain my situation. Spoke to a rep that gave every detail. We went over this again before ending the call so I made sure I got what they needed. WA sold a letter/adjuster report stating it was a total loss ( since that makes a huge differwnce ) & that it indeed is a separate structure from the home. I did this and sent in check so they would endorse and return like I was told. Today I called to follow up and they will not endorse it, I have to rebuild under their guidlines or put it towards my principle. Based on my prior conversation which rep today stated she saw I was told that I could opt to not rebuild IF insurance company stated total loss of separate structure. I mailed that certified with check ( unendorsed & took pictures of what I sent ). The rep stated only the check is on file as well. This does not impact the value that I mortgsfed, in fact the value of my home is way higher now and I should not have to pay a debt for this building when thay is the purpose of insurance. Thank you and feel free to contact me at XXXX
01/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MO 63119	Web
My mortgage company changed the locks on my property after my XXXX house payment was 51 days late. I had called and talked with my account executive above being late with my XXXX payment due to seasonal work but I would make that payment in XXXX and my XXXX payment-I would have funds by XXXX XXXX. I called my rep on Thursday XXXX XXXX to make the XXXX payment and schedule the XXXX XXXX. The rep told me that they had sent someone to my property ( 51st day late was XXXX XXXX ) & they reported it vacant/abandoned. I told her that the property was vacant but not abandoned & that I have had vacant - insurance, etc. She made some comment about stopping " them from changing the locks '' and getting it straightened out. On Friday the XXXX after XXXX I went to my house and " someone '' had broken into my house - changed the locks, put a lock box on & some sticky notes stating : " The mortgage company holds the right and duty to protect this property. The property may be rekeyed and/or winterized within 3 days '' Is this even legal? NO phone call - NO overnight letter - The house was secure - they had to RIP my locks off my steel door. I have kept the " pieces '' as proof that the house was securely locked and they did not get in easily. On Saturday the mailman left a note regarding a certified letter that I can pick up AFTER the XXXX. I assume it is from the mortgage company. ( The mortgage company uses my current mailing address and must be aware that it is different than the property address on the loan. No mail deliveries are make that address ) Also I think this loan is a conventional loan.
08/18/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 33414	Web
Program Highlights Building on the concept of simple, here are some of the highlights of XXXX XXXX XXXX XXXX. The program : Consolidates three modification programs into a single solution. Removes the requirement for borrowers with mortgage loans 90 or more days delinquent to submit a complete borrower response package ( BRP ) to be evaluated for a XXXX XXXX XXXX XXXX. Adjusts the forbearance limits to provide greater payment relief to eligible borrowers, targeting a 20 percent payment reduction. Get Ready While formally announced on XXXX XXXX, the program has a mandatory implementation date of XXXX XXXX, XXXX for all servicers and will be implemented in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX, XXXX. Our goal is to facilitate a smooth transition for servicers to minimize disruptions to the borrowers in need of assistance with their mortgage loans, says XXXX. More information on XXXX XXXX XXXX XXXX is available I just copy this information from the loan modification from XXXX XXXX Website. I apply for a Loan Modification with Ditech and today received a letter that the modification was denied base on 3 aspects 1 ) My hardship was not temporary / Thats the main reason I had problems making payments from {$4100.00} to {$5300.00} a month 2 ) Bad Credit 3 ) Mortgage payments default over 6 months They Knew this 2 years ago when I start having problems XXXX XXXX VS Ditech financial LLC Also they claim the value of the property exceed XXXX when I send at least 2 formal appraiser where the price does not exceed {$750.00} if the problems and repairs are done to the House XXXX XXXX
04/01/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 32164	Web
I lost my job and fell behind on my mortgage payments in XXXX and XXXX 2014. I have been making payments since XXXX and Greentree rep told me that they would review my account for deferment program since I was only 2 months behind and had been making steady payments. I sent them the requested documents and called 2 weeks later to find out status. They told me they were missing the hardship letter and also that the pay stubs would now need to be more current. I asked if they needed updated bank statements as well and they told me no. I sent updated pay stubs and the hardship letter again.I called a week later and they told me they got the pay stubs but not the hardship letter and that I had to send it again! They also told me that now they also needed bank statements to be updated because in the delay in receiving all the paperwork. I explained that I did not cause the delay and that I had no control over their companies negligence in losing the same document XXXX times!!! I then asked them why I was not getting anything In writing about this entire matter but lots of other notices involving the default etc. they put me on hold and then never got back on the phone to discuss my concerns. I feel that I am being jerked around and the fact that they are not putting anything in writing about this deferment offer seems suspicious. I do not feel comfortable sending any more documents until I have something in writing stating what is needed and the purpose of such documents because for all I know they may be using them for foreclosure purposes and have no intentions of rectifying this matter.
03/30/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30032	Web
My mortgage with GreenTree Servicing LLC was {$620.00} for a year when it was modified and transferred from XXXX XXXX XXXX. XXXX XXXX, XXXX, I received an Escrow Account Disclosure Statement stating my mortgage will increase to {$680.00} for the following year. Then I received another Escrow Account Disclosure Statement XX/XX/XXXX stating my mortgage will increase to {$830.00} for the new year. The explanation I was given for these increases were there was a delinquency or deficiency escrow balance of {$6000.00} or more from my previous servicer- XXXX. I therefore requested, in writing on XX/XX/XXXX, that Greetree Servicing provide me with evidence of this delinquency or deficiency escrow balance from my previous servicer- XXXX. I have received several form letters from Greetree Servicing saying they are working on it with delivery dates of resolution that have not been kept. This will be my XXXX month paying the {$830.00} mortgage payment with no evidence to support the delinquency or deficiency escrow balance from my previous servicer- XXXX. Furthermore, my mortgage is HAMP loan and I have been with Greetree Servicing for a year. According to my HAMP loan agreement I am supposed to receive an incentive payment of {$1000.00} to my principle balance once a year after the anniversary date. I wrote a letter on asking for a written explanation of why I have not receive this incentive payment according to the Actuarial Payment History Greetree Servicing sent me on XX/XX/XXXX. I made my inquiry in writing on XX/XX/XXXX. I have not received an answer for either of these concerns as of yet.
07/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NH 030XX	Web
We have made 3 attempts to stop Ditech from removing escrow taxes from our automated monthly mortgage payment. We have had the mortgage since XX/XX/XXXX and have always paid our own taxes. Since XX/XX/XXXX payments in the amount of {$1100.00} have been removed from my bank account and we were told that they were paid to our local town for tax payment. We have made 3 attempts to have this stopped and have received XXXX different stories from Customer Service, although all XXXX have made the statement of " we do not know why we are taking escrow from you, you are setup as a non-escrow account. '' We have spent several hours each time on the phone being passed from one department to another and no one can offer any resolution to our issue. We were told that " they will begin removing even more money from our account due to a shortage they have regarding our escrow account '', which we never had! The tax department told us " they have no idea why we are having taxes removed from our account as we are listed as a non-escrow account ''. They also informed us " they have no idea why they show them as making payment to XXXX, NH '' regarding our account. As of XXXX XXXX, XXXX, NH has no record of receiving payment from Ditech. I will notify my bank today and stop automated payments to Ditech until they research and fix this issue and I will continue to research refinancing with another mortgage company. I researched this issue and also noticed from consumer affairs.org that their are another XXXX complaints regarding ditech, which has made me contact you, so others might be able to be helped.
03/28/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI XXXXX	Web
I have reason to believe the mortgage company we are in partnership with over our modular home, Ditech ( a XXXX XXXX ) whose headquarters are in XXXX XXXX, SD XXXX ( XXXX ), is taking advantage of the loan servicing agreement by either placing hidden fees in the cost of the monthly payment or misappropriating the monthly payment in various ways. I purchased the XXXX modular home in XXXX of XXXX with a high interest rate of 13.75 %, but a loan agreement for 20 years, which will signify the end of that loan agreement this year in XXXX. However, I still owe {$13000.00} on the principal balance and a deferred balance of {$1800.00} with several calls to Ditech 's Customer Service department several times in the last few months beginning Monday, XX/XX/XXXX ( XXXX ) and ending today, Thursday, XX/XX/XXXX ( XXXX ). And since that time I have had nothing but issues with changed account numbers, a separate account number specifically geared for home owner 's insurance and requests for ALL the paperwork regarding our contract agreement and recorded call-in notes. Ditech 's Customer Service department has assured me they were taking care of my business relationship with them, but they've failed me in more ways than I care to explain at this time and now, I want answers as to why I still must pay {$13000.00} on a modular home for another 3 to 4 more years on top of deferred payments amount of XXXX because something they've done is the exact opposite of ethical and fair. The account numbers for home loan balance is : XXXX OR XXXX. The account number for home owner 's insurance is : XXXX.
06/04/2017	Yes	Mortgage VA mortgage	Trouble during payment process	IL 60466	Web	Servicemember
I have had a VA mortgage since XXXX and it has changed hand s ( servicers ) 5 times in that period. The latest took place, I 'm told, in XX/XX/XXXX from Ditech to XXXX XXXX . I finally found this out, late in XX/XX/XXXX , following my inquiries of the new servicer ( XXXX XXXX ). I continued making payments to Ditech uninterrupted, throughout this period. Unbeknownst to me Ditech forwarded my payments to XXXX XXXX for XXXX & XXXX but ceased doing so thereafter. My loan had gone all the way to pre-foreclosure with XXXX XXXX . I provided proof of payments to XXXX XXXX and they endeavored to get these funds from Ditech without success until XXXX of XXXX . Throughout this period I have received twice daily dunning calls from XXXX XXXX . In XXXX XXXX XXXX XXXX claimed they finished their research and told me it was now my problem to get Ditech to release the funds. Further, that my proof of payment was not valid because any check would have been returned to me following a two month grace period and not processed by Ditech. This is utterly false. The " proof '' I provided was a combination of " Cancelled '' checks and verification that my electronic payments thru BillPayer were issued & received. Ditech has the funds and I continue to have a delinquent mortgage, ruined credit and inaccurate filed XXXX Federal Tax returns. Attached is how I was informed that my mortgage was now being serviced by XXXX XXXX . This door hanger placed on the door knob of an out building at my property that I only " happened '' to find on XX/XX/XXXX .
11/27/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC XXXXX	Web	Older American
Ditech Financial LLC first appeared on my credit report and at the register of deeds office in XXXX XXXX N.C. as a lien holder to my property in XX/XX/XXXX. There was no lien or second mortgage on my property or credit report when I applied for a loan from XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, nor in XX/XX/XXXX when I did a home modification loan with my current mortgage holder. I have never had prior contacts about payments or any arrangements with Ditech, not XXXX cent, contrary to the statements that I last paid them on XX/XX/XXXX. How could this be when I get another statement saying that the statute of limitation had expired and they could bring no legal action to collect this debt. I only became aware of this so called Ditech lien when I applied for a reverse mortgage loan in XX/XX/XXXX from XXXX XXXX XXXX loan officer for XXXX XXXX XXXX ( loan # XXXX ). I wrote the credit bureaus and they removed Ditech from my credit reports. XXXX then contacted Ditech and requested a " Quit Claim Deed ''. After his initial contact with Ditech Rep. " XXXX '', she refused to reply to any of his repeated communication attempts ( phone calls, emails, letters, or faxes ). My loan stalls because of this unresolved issue. I did have a second mortgage with XXXX XXXX XXXX, but that was included in my bankruptcy ( Ch. XXXX ) in XX/XX/XXXX and should have been dismissed. My last payment to XXXX ( XXXX ) was in XX/XX/XXXX. I thought it was taken care and after more than 12 years it pops up out of no where. Can you help me resolve this issue without being taken advantage of? Please and Thanks
07/26/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 19138	Web
Here we go again. Obviously Greetree is not overly concerned about their scamming tactics. This is the third complaint with CFPB about Greentree Servicing who continue with inaccurate billing and charges. Attached is a copy from my bank listing payments for my mortgage. {$800.00} dollars a month. My mortgage is {$700.00} a month. I have requested repeatedly that any additional monies always be applied to my principle balance. Instead it is put in an " unapplied funds account ''. Not applying the additional money to the principal interferes the mortgage being paid down accurately. XXXX 2015 billing statement reflects XXXX due when only XXXX is was due. So calculations for remaining balance would not be accurate. When I called the company therepresentative, XXXX stated the XXXX 2015 payment was dislocated. And again the same thing happened XXXX 2015. My payments are made electronically. No excuse for saying it as dislocatedSecondly, when the billing statements come in the mail they do not reflect the true balance remaining. I have requested a payoff statement several times and have not had I response from the company I am so close to paying off the house. But with the tactics this company practice I no doubt I will have over paid monies to them. I want an accurate payoff statement mailed to me. And from this point on I want any and all additional payments to be applied to the principle balance. All future billing statements should accurately reflect what the remaining balance is. This is the second time that I have filed a complaint with CFPB that pointed out similar incidents.
07/03/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 325XX	Web
While considering potential lenders, we decided to pursue a new loan with lender, Green Tree Servicing ( AKA Green Tree Originations ) who held paper on current XXXX residence. We were pre-approved for loan on XXXX home based on income, assets, and XXXX credit rating from XXXX agencies. After over 3 months of financial interrogation, and pushing back closing 4 times, we notified Green Tree that we were abandoning the loan process and paying cash because sellers would not amend agreement for a XXXX closing change. They were adamant that they could not get IRS transcripts or bank statements which we had in hand and provided. They also forced us to pay off current mortgage even though we had sufficient income to continue normal payments. As a result, our investment income was reduced. Then, they held that against us. In the final stages, they informed us that their underwriter had abandoned them and they would need to provide a fresh start for the new underwriter. At that point, we were concerned about fraudulent activity as they had all of our confidential information which they refused to return to us. We have had unauthorized credit card activity on XXXX accounts since we severed our relations. This week, Green Tree sent us notification that they are informing credit agencies that we were denied mortgage credit due to unverified income and insufficient funds to close. We had considered a law suit against Green Tree for mental anguish because they held all parties hostage due to their inept process and created potential financial loses to buyers, sellers and real estate agencies.
09/20/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	FL 33033	Web	Older American
I have been having several difficulties since our mortgage was transferred from XXXX, then GreenTree Mortgage and now Ditech mortgage company. Since the transfer, my husband and I have noticed that our monthly payments are not being applied correctly and the mortgage company and we feel like we are being scammed. We pay additional money each month where we request that the additional amount be applied towards the principal and escrow. The mortgage company does not supply payment books that allows us to pay extra towards the principal and escrow. When we spoke to them about our issue, they spoke to us in a condescending manner and tried to make us appear stupid. We were told that they could not provide us with a payment booklet that would allow us to show how much of our additional payment should be applied to principal and escrow. In fact, we were advised to write it out on our payment statement and then we have to call each month to inform them how to apply it even after we had written it out. My husband and I are both elderly and I 'm in a XXXX. We feel that this mortgage company has made it very difficult for us and have taken our additional payments. When we receive our monthly statements, we notice that our additional payments are not being applied. Where has our additional payments gone? We are elderly but we will not sit back and be taken advantage of by this mortgage company. When our mortgage was transferred to GreenTree, we never received a check for the extra funds that we had paid into the escrow account after our taxes and insurance was paid. Where are those funds?
09/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 21042	Web
I closed XXXX sold XXXX my home on XXXX/XXXX/2015. Green Tree Loans was the holder of my XXXX mortgage. I attempted to cancel my autopayment on XXXX/XXXX/2015 ( when I realized the XXXX payment had already been factored into the payoff quote ) but apparently it had already been 'pre-drafted '. I reached out to Green Tree the day after XXXX XXXX/XXXX/15 XXXX to notify them of my new address they should use to send my me a check for my extra payment ( because they could n't remit to the sending bank account # XXXX. After not receiving a check w/in the 30-day window, I called Green Tree. They said they had shipped it to my old address. And they could n't send a new one until the old check had been cancelled. It 's now XXXX, I 've called twice to make sure my check would be sent out, and twice I was assured they were on top of it, and they would call me when the check had been mailed. Still have n't heard a word from them OR received my money back! Where is my money? Are there fees/penalties they should have to pay? They were charging me interest at 7.5 % on that mortgage, but I must wait endlessly while they hold my money interest free?!! Additionally, when I refinanced almost 3-yrs ago, my rate lock almost expired because Green Tree refused to work w/ my bank XXXX XXXX XXXX XXXX even though it was a no money out refinance, to a lower rate, and they had already received the subordination fee. The customer service is horrendous, and I 've felt powerless to do anything other than wait while they run me around and give me nothing but stories about where my money is! Please help!
06/12/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92651	Web
I have asked Ditech several times this week XXXX more recently on Friday, XXXX XXXX , XXXX ), to e-mail me the statements from XXXX , XXXX , XXXX , along with a recent escrow analysis that was completed in XXXX , XXXX . I have received nothing via e-mail, though the customer service representatives have told me that they have sent the documents. What prompted the e-mail document request is that I am unable to login to the account via the Ditech online system, to be able to download the documents myself, since I do not receive paper documents via mail, anymore. I requested a reset " password '' link several times, and it does not work. I have been told by the customer service reps. that the login features have not be working since at least XXXX XXXX , XXXX . Currently, since I am unable to access the login features of the website, I am unable to use the online payment features of the website, in addition to not being able to download documents. I am told that I am not the only XXXX experiencing this problem. And, the customer service reps. are unable to provide any information as to when the account login features will be available. I never had this kind of trouble when my loan was with XXXX . The fact that the account login portion of the website has been inaccessible this long is inexcusable, especially since Ditech encourages its customers to use web-based services, instead of the U.S. mail. I am also annoyed by the fact that Ditech has made no efforts to put a notice on the website, to notify people that the website is having technical issues.
05/16/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NE 681XX	Web
In XXXX of last year we were offered a " strea m Line '' loan modification of our mortgage ; we had gotten behind on some of our payments because of some health issues my wife and daughter were having. They originally told us this would lower our monthly payment and would keep us from falling further behind. The agreement was we would pay {$890.00} fo r Three m onths then the loan modification would go though with our new payment. That would mean at the beginning of this year we should of had our new payment and been on a regular Mortgage. Unfortunately this has not been the case. I have had to call in my payments for the last 7 months which have caused me to inadvertently miss a payment . Ditech the loan company has given me the run around for the last 5 months saying paperwork is on its way, or underwriting is behind or it was already mailed out. now the latest is well you missed a payment in XXXX so now we do n't know if you will get the modification, after we had been told for months the paperwork is already processed. I am so frustrated, the rep. even told me to just sell my house, I honestly do n't understand why they are treating us like this. We just want our modification done so it reflects right on our payments and then we can clean up our credit. I also wanted to mention that they sent a rep to our house at about XXXX at night while I was at work, when I confronted them about it they said it was n't them but it was XXXX XXXX just checking to see if anyone was still living there, when would another lending company do that? so much miss representation.
10/14/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 33404	Web
Dispute -case number XXXX I have contacted DiTech/XXXX the representative XXXX XXXX, XXXX. She asked me to forward a letter stating I did not receive XXXX Loan Modifications ( According to XXXX XXXX XXXX -XXXX and XXXX XXXX XXXX XXXX XXXX ) . I was told by her to fax a letter indicating that I did not receive the loan modifications. Also, I asked if audio recording can be pulled to listen to the recording on specific dates and times that I called Green Tree and XXXX XXXX XXXX. The recorded lines will indicate the conversation held by a representative and myself regarding any Loan Modification ; especially when my loan was bought by XXXX XXXX XXXX from XXXX. I explained to XXXX ( DiTech ) XXXX did give me a Losn Modification.. I never received an opportunity to make the first trial payment due the fact XXXX XXXX XXXX purchased my loan. I have the date, time and name of the representative that refused to honor the loan Modification from XXXX. ( XXXX the way, I did not sign any consent to have my loan purchased from XXXX investor/services to another ) I am requesting the original PROMISSARY NOTE and original documents from all XXXX banks/investors/servicers. I have the documents XXXX forwarded to me. DiTech nor Green Tree has not sent any documents. This foreclosure was first initiated by XXXX XXXX XXXX. ***What link do so use to upload documents? DiTech XXXX XXXX forwarded a document regarding a decision being made as to the letter I wrote stating I did not receive XXXX Loan Modifications by XXXX/XXXX/XXXX. My intent is to remain in my home. I just want justice and fairness.
09/21/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	AL 362XX	Web
On XX/XX/XXXX I paid through a XXXX XXXX {$1300.00}. On XX/XX/XXXX, I bought three money orders which totaled {$2300.00}. On XX/XX/XXXX, I paid through a XXXX XXXX the fee of {$1100.00}. This totals {$4700.00}. To cure the default I had to pay {$4000.00}, XXXX. Ditech left a balance of {$730.00} for the Corporate Advance Fee and {$840.00} in Late Fees. Ditech did not pay {$130.00} of NSF Fees, or {$20.00} for Other Fees. Ditech put money is Escrow which resulted a check for {$1500.00}. I wrote a Notice of Error requesting my money be reallocated. In XX/XX/XXXX, Ditech sent an Escrow check of {$1500.00}. I sent certified mail to return the check to me because Ditech did not allocate money correctly. On XX/XX/XXXX Ditech sent another letter out for me to Cure the Default with fees of {$130.00} NSF Fees, {$20.00} Other Fees, {$730.00} Corporate Advance Balance and {$930.00} in Late Charges. The first time I paid these fees were through 3 money orders, and 2 XXXX XXXX at XXXX. The second time I paid these fees were through 2 XXXX XXXX of {$520.00} each on the dates XX/XX/XXXX, and XX/XX/XXXX. I sent 4 money orders which all specified a certain amount and how it was to be applied. XX/XX/XXXX -- {$130.00} NSF Fees, and {$20.00} Other Fees. XX/XX/XXXX {$930.00} Late Charges, and {$730.00} Corporate Advance Balance. I am sending copies of the Quit Claim Deed I sent to Ditech. I am attaching Notice of Error from XX/XX/XXXX, information sent to through certified mail about the Escrow check sent to him in XX/XX/XXXX, and copies of what I have currently paid to Cure Default by XX/XX/XXXX
11/29/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	AL 360XX	Web
In XX/XX/2018 as I was preparing to sell my house, I was reviewing my payment history on Ditech Financial and noticed that they had made an error in XX/XX/2018 they posted my mortgage payment twice on, and then reversed the duplicated payment that was posted in error on XX/XX/XXXX and then they then reversed the payment a second time on XX/XX/XXXX, when I called to inquire about this the representative first told me they had re-applied the second one on XX/XX/XXXX and he sent me a PDF showing this payment was in fact re-applied, what I found very odd was that the principal balance I could see online and the principal balance of this PDF they sent me was exactly the same. I questioned him on the fact that the math on the PDF that was sent did not add up and that the principal balance was exactly the same as what I see online without the reapplied payment. If in fact they did reapply that payment then there would be a significant difference in the principal balance. I was then told that it was a programming issue and that the computer system shows different information online as to what they have in the system, I informed him that I am a computer engineer and what he is saying sounds very suspicious. I asked to speak with a supervisor who also argued with me about this imaginary reapplied payment. The PDF that was sent to me was only available to view for 45 mins then it was removed from the system. I have since sold my house and probably can't recover the money that they have shorted me, however I am extremely concerned that they are possibly doing the same to other consumers
09/05/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	IN 46614	Web
I had a house that was foreclosed in XXXX or XXXX. The house sold at a sheriffs sale for less than I owed. In XX/XX/XXXX a judge granted Dietech mortgage a judgement against me that I had no clue about. I own outright a home in XXXX XXXX Indiana on XXXX XXXX XXXX. I sold this home and made an accepted cash offer on another home af XXXX XXXX. Upon a title search by XXXX XXXX during their second search the judgement for Ditech showed up. XXXX XXXX Attorney XXXX XXXX, myself, XXXX at XXXX XXXX and XXXX XXXX at XXXX XXXX have all been engaged in numerous three way calls to Ditech and even their attorneys and Ditech has incompetently turned this into a fiasco that has yet resolved. We all were seeking a payoff amount or letter stating the amount of a release of the judgement sent to XXXX XXXX so we can close. Ditechs incompetence in this matter has resulted in delay of closings on two properties, contractors not being able to start, utility transfers of service being scheduled and rescheduled, movers canceled, realtors not receiving their commissions, and the list could go on. Ditech said the loan is closed, and referred us to various internal department heads, various external companies and turned this into a fiasco due to their lack of knowledge of a judgement. At one time Ditech referred Attorney XXXX XXXX and myself to XXXX, one of their Department heads who didnt even know what a foreclosure was! XXXX XXXX The Attorney for XXXX XXXX XXXX hopes to get a call from someone who can assist in this mess! The number to XXXX XXXX is ( XXXX ) XXXX. Help us please it has been a mess!
05/23/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY XXXXX	Web
I received a phone call on my work cell phone number which I have previously written, and Ditech acknowledge not to write or call on my phone number because of the nature of my business. Phones during the day can be a interruption especially due to the nature of my job and I had told them not to contact on this number. BUT today Ditech started their harassment ways again. I was contacted by a XXXX who works for XXXX who stated that he wants to speak to me and I asked him who he was and he said he was from Ditech. I told him that I have a cease and desist on my account and I provided other methods to contact me. I receive all their notices and they must send me at least 3 certified letters telling me how much I owe as well as threats to foreclose. I dont know why they need to call me on my cell phone, to tell me what I owe. I ask to speak to a Supervisor and an XXXX came on the phone. She then tried to tell me that since I applied for a modification that the cease and desist order did not apply since 2017. I told her I just asked for the modification not relinquishing my rights for communication. If a modification will be given then they can send my a letter, which I always get and I will get back to Ditech reps. This company is also calling my ex-wife harrassing her and telling her about my mortgage account, which is totally illegal. She is also considering bringing legal action for harrassment. From what I was told from my attorney, she on the property but not on the account and have no business knowing any information about my debt. That's illegal. She is not on the note.
08/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 01915	Web
Requested possible solutions to avoid foreclosure. Opted to apply for a loan modification before trying a dead in lieu or short sale. I have never heard back from the Service Company about the Loan modification application, beyond requesting a form to be filled and signed for credit check. Filled, signed and sent in promptly. Receive letters from loss mitigation department, call get no response. Leave multiple messages asking for options other than foreclosure and outcome of loan modification application. Never get a return phone call from them. Received yet another letter from loss mitigation date XXXX XXXX, call and get no response. Shuffled into the same voice mail box, requesting options other then foreclosure and the status of the loan modification application. Receive certified mail informing of a foreclosure auction date for the end of the month. Letter was signed 2 days prior to the loss mitigation letter. I 've still never heard back about the loan modification application. From what I understand, they need to send a denial reason by mail, which was never received. From what I understand, they have to make a good faith effort to work something out when we are all looking for a better option than foreclosure. No return call or letters about the modification do n't sound like an effort on their part. All we want is to postpone the foreclosure date and work on another option with the Service Company. Short Sale, Deed in Lieu or traditional sale as the value of the home is hire then what is owed. Homes in this area sell fast and often well above asking price.
09/29/2015	Yes	Debt collection Mortgage	Taking/threatening an illegal action Threatened arrest/jail if do not pay	AZ 85641	Web	Servicemember
On XXXX/XXXX/2015 at XXXX I was contacted by someone stating that they had a criminal complaint and were looking for XXXX XXXX. The person on the phone verified my contact information and stated the an officer was coming to serve me the next day. I informed the gentleman that I do not have any reasons to have any criminal complaints against me and said sure I will be here. He then asked " did the attorneys contact you, at which I replied no. At this point, I told him that I did not have time to play games with him. He put me on hold to supposedly get the attorneys and I hung up. I XXXX the number that he called from which showed up on my caller ID and it was listed as the fax number to the Arizona Superior Court in XXXX XXXX - Juror Information. Less than a week after this call I received a letter from GreenTree Servicing referencing a debt that had passed the statue of limitations and was removed from my credit report. The letter was dated XXXX/XXXX/15. Once I received the letter I called the phone number listed and it was the exact same person that called trying to threaten or scare saying that I had a criminal complaint saying someone was going to my house looking for me. I told him that as far as my knowledge this was no longer on my credit report and had been taken care of. I asked him to send any documents that he had verifying the debt and I would look it over with my attorney. Which GreenTree did not. Their letter states that the consumer has 30 days to submit proof. The entire actions of Greentree servicing from the start was deceptive and misleading in nature.
10/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60565	Web
This is regarding my Ditech loan # XXXX. This loan was taken over by Ditech from the original servicer in XXXX or XX/XX/2019. I had my payments automatically deducted from my checking account with the initial servicer. I requested the same from Ditech as soon as I was notified that it was taking over my loan. Payments were successfully made the 1st and 2nd month. However, Ditech did not autodraft the 3rd month and then triggered a late fee and penalty. I called, paid two months at the same time, requested that they reverse the late payment and restart my autodraft. This then happened again in XXXX/XXXX. I have now paid {$1000.00} in late fees. I now have seriously derogatory strikes on my credit that must be removed. I just paid my XXXX bill ( today, XX/XX/19 ) manually because the autodraft is again not set after 3 requests to fix it. It now says I am not eligible for autodraft. I know that this is not a communication issue. Ditech knows how to communicate on everything else. They just fail to do so when it can cost me money and marks against my credit report. Indeed, I have received over two-dozen e-mails from Ditech over the last 4 months telling me about my refinance options and ways to save money. I've received other e-mails from Ditech regarding my eligibility to participate in a lawsuit against Ditech for improper servicing errors and expenses. I don't know what else to do. I need these fees taken off. I need my credit report corrected. I can manage not being on auto-pay but I would prefer being serviced by a provider that does not take advantage of me.
02/14/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 33029	Web	Servicemember
I made a claim to my insurance company for damages to my property during hurricane season. My mortgage company, Ditech, held the insurance check for processing and releasing of funds. After funds were processed Ditech sent a check to me so that I could pay my contractor. The check was issued for {$40000.00}. On monday, XX/XX/XXXX, I deposited the check in my bank account and advised the contractor the money was ready to start the job ( re-roofing ). I gave my contractor two personal checks for partial the amount and the job started. A few days later, I go into my bank account online and find out that the mortgage company had put a stop payment to the check. Not a phone call, not a letter nothing from Ditech, advising me that they were going to hold the funds. I contacted Ditech and was told that the reason they held the {$40000.00} check is that they were filing for bankruptcy chapter XXXX, and they were court mandated to freeze all their assets. I explained to Ditech, that there were outstanding checks written by me for the contractors and they would bounce because they stopped the payment on the insurance check. Now I am facing legal action from my contractor for non-payment and overdraft check fees for the bounced checks. Ditech told me the best they can do is issue another check since my financial institution would not redeposit the insurance check. I asked Ditech for a letter explaining the situation so I can show my contractors what the issue is, and Ditech refused to send me a written explanation of the problem, stating that is it not company policy to do that.
11/10/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92154	Web
In XXXX I was granted the loan modification, which included a modification incentive program, the mortgage carrier will credit the principal {$1000.00}. a year for five years, requiring the payment not to be late more than 30 days or it will be cancelled. XXXX XXXX XXXX credited my account on XX/XX/XXXX and on XX/XX/XXXX my loan was transferred to XXXX XXXX, which credited my principal on XX/XX/XXXX complying with the original contract. On XX/XX/XXXX the loan got transferred to Ditech Financial LLC, which did not credit the mortgage principal for the years XX/XX/XXXXand XXXX. Since my payment was deducted monthly from my checking account I did not realize it was not credited. I started looking to refinance and as I went through the payment history I noticed it. I called several times, they promise an answer. I spoke with a manager at Ditech Financial LLC named XXXX at extension XXXX. She sent me an email that said the issue was resolved and it was cancelled because I was late. We looked at the history together and she agreed that my payments were never late, she promise to look in to it. I mentioned that I was going through a refinance and she made clear that they would credit the {$2000.00} and if I refinance before the account was credited that I would receive a check for the {$2000.00} I was owed by XX/XX/XXXX. It is now XX/XX/XXXX, I have made multiple phone calls and left multiple voicemails and have not heard back, gotten an answer, or received the refund of {$2000.00}. This loan is no longer with Ditech Financial LLC. I will attach a copy of my payment history.
05/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	DE 19720	Web
Your options do not provide the option in this instance. Greentree is improperly reporting my debt to the credit bureaus. I have disputed the date of last activity on the account and they continue to report it. In the attached letter they accuse me of trying to change their reporting to the bureaus. They go on to state that they " make every attempt to ensure the information reported to the bureaus is accurate and correct. But just looking at the trade line ( attached ) you can see that they reported the item in XXXX of 2014 but list the Date of Last Activity as XXXX of 2014. It is impossible for Greentree to list payment activity for the month FOLLOWING the report date. If anyone is trying to manipulate dates, it is Greentree. By continually advancing the date of last activity, they are pushing the obsolescence date forward to keep this debt on my credit report indefinitely. The Fair Credit Reporting Act. Section 611 ( a ) ( 5 ) ( A ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. I have correctly disputed this obvious error and the bureaus have left it on the file ... subsequently Greentree sent this letter stating that they make every effort to assure that their reporting is correct and therefore have the ability to predict future activity.
04/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA XXXXX	Web	Older American
I wanted to set up automatic payments for my mortgage. I faxed the request and checked with the lender a XXXX later. I was told it had not been received, XXXX days later I got a letter from my mortgage company stating that the request had been received but the voided check had not. I sent a voided check and a new automatic payment request. When the next payment was not taken out of my account, I again called the lender and again was told that they had not received a request for automatic payments. XXXX more time, after receiving a letter that they had the voided check, but not the authorization form, I sent both. When I was again told by customer service that they had n't received the form and voided check, I gave up and mailed a check. The day the check cleared ( XXXX XXXX, 2015, ) I got a letter from the mortgage company stating that the automatic payment of {$1300.00} would start on XXXX XXXX, 2015. I called the mortgage company on XXXX/XXXX/15 and told them to stop the XXXX/XXXX/15 payment as they had already cashed the check. That same day I placed a stop payment on the {$1200.00} at my bank. On XXXX/XXXX/15 the mortgage company withdrew {$1000.00}?? After a faxed request and numerous phone calls the funds have not returned. The customer service department has refused to provide access to a supervisor, once transferring me to " the person who handles your account '' after I told her to transfer me to a supervisor. The person who transferred the telephone call identified herself as " XXXX '' and refused to provide me with a phone number at their corporate offices.
07/27/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	OH 44601	Web
We have a loan w/Ditech XXXX. XXXX XXXX XXXX XXXX SD XXXX XXXX for our RV and we have moved from XXXX to XXXX and need to register the vehicle. The state of XXXX needs an original title to the vehicle to register. Ditech will not comply with this. So we are paying on an RV now that is not legal in the state of XXXX because Ditech refuses to send an original title to the XXXX XXXX County Title Office. XX/XX/18 went to XXXX XXXXk County Title Office @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get a temp plate where they request an original title to complete the plate registration in XXXX Ditech never complied. Went back to the XXXX XXXX County Title Office on XX/XX/18 the BMV submitted the request to Ditech via Fax. Ditech never complied. Went to back to XXXX XXXX County Title Office on XX/XX/18 and the person at the XXXX XXXX County Title Office spoke to a Ditech representative named XXXX explaning the XXXX law of needing an original title to register the RV. They indicated they were going to send it directly to my home. Never rec 'd it. We have followed up with Ditech twice on XXXX and twice on XX/XX/18 and XX/XX/18 regarding this matter of the title. We never get the same Ditech representative again when we call and as we explain the matter to them they basically go silent and we don't even know if they are still on the line, till we ask if they are still there. All we want is the original title sent the to the XXXX XXXX County Title Office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX so we can get this RV registered in the state of XXXX. XXXX and XXXX XXXX
06/26/2018	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30032	Web
My servicer is Ditech Financial LLC. I received Trial Period Plan for a mortgage modification XX/XX/XXXX with this company. I made all three of the payments as required for XXXX- XXXX, XXXX and XXXX. I was suppose to receive a permanent modification in XX/XX/XXXX. When I did not receive said documents at the conclusion of my trial payments, I called Ditech and spoke with a representative to inform them of the situation. The representative told me she would have another copy sent out to me. It is now, XX/XX/XXXX and I did not receive the documents. I called Ditech today, this morning and spoke with a represented named XXXX extension XXXX and informed her of my situation of no permanent modification documents. XXXX told me she would have another copy sent out again. I am seeking CFPB assistance in this matter, because even though I believe XXXX will do her job, the previous representative at Ditech told me the same thing and nothing happened. In fact, XXXX informed me that the last communication in my file was that the document were delivered back in XXXX ; and no new copy was requested or sent out. I already informed the first Ditech representative that I did not receive this package and that was why I was calling her for another one. However, that conversation I had with the first Ditech representative was not noted in my file and this worries me. It is as if Ditech is refusing to send me my modification documents if they would erase the conversation I had with the representative stating I did not receive them. Why would they erase the call? This behavior worries me.
12/30/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TN 37664	Web
My customer account rep. was very rude and disrespectful. I have never been talked to and treated so poorly by a company. First mortgage company out of all the mortgage companies that our loan has been bought out by. The account rep. refused to set up a payment arrangement for me to make a payment on the XXXX day past my due date. I explained to them that the last couple months had been financially hard. She did not care and began to tell me, how that 's no excuse and lecture me on how and what I should be paying with my income. That she has XXXX kids and a single mother and would n't let me get a word in edge wide ... I told them the soonest I could make my payment for XXXX XXXX would be XXXX XXXX and that I could make my XXXX payment on the XXXX of XXXX. She said that was unacceptable and that I needed to start calling family and friends to borrow money, when getting off the phone she says in a very smart tone " good luck ''! WOW, worst company ever!!! No trying to help the customer stay in their home and help them get caught up on payments! Its almost like they enjoy telling you that they will start foreclosure ... .to beat it all she called back several times and said the same things over to me, lecturing me on how to handle my finances, that she has no clue about my personal finances and even had the nerve to ask me, " how much I spent on my kids XXXX? ". The few months I have been with them I could write a book on all the unprofessional, unethical things that they have done! WOULD NOT RECOMMEND AND WOULD NOT BE WITH COMPANY HAD THEY NOT BOUGHT OUT GREENTREE!!!
05/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 93536	Web
I have a loan with Ditech Financial. The investor of the loan is XXXX and the originator of the loan is XXXX. I submitted documents for review for a loan modification and my loan went into review in underwriting on XXXX XXXX, XXXX. The file was assigned to XXXX XXXX of Ditech at XXXX ext. XXXX. A pending foreclosure was postponed to XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Ditech underwent a system upgrade and advised me to call back on XXXX/XXXX/XXXX for a ststus update. I called back on XXXX/XXXX/XXXX and was advised to send in updated documents including XXXX tax returns, rental agreement, paycheck stubs and bank statements. I faxed all the documents to XXXX on XXXX/XXXX/XXXX. I checked back on XXXX/XXXX/XXXX and was told that the file was in underwriting and a decision would be made within 2-3 weeks but to call back every week. I called on XXXX/XXXX/XXXX and was told that there is no new update and the file is still in underwriting. I called again on XXXX/XXXX/XXXX and was told that the file was still being reviewed for a possible loan workout. I called on XXXX/XXXX/XXXX and found out that the house was sold for {$330000.00} back to the beneficiary XXXX. Ditech is in violation of the California Homeowner Bill of Rights prohibiting dual tracking of foreclosures whereby a homeowner is in active review of a loan workout with a single point of contact and underwriting review pursuant to Cal. Civil Code 2924.18. Ditech did n't give me any explanation as to why the property was foreclosed. The rep said that they received notification to move forward with the foreclosure.
07/21/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WA 98290	Web
I am trying to get a home modification loan for my home. I have been at this process for months. I have sent in all the correct paperwork at least XXXX. I am told it is not the correct paperwork so I call and get sent to a voice mail, I leave a message, never get a call back. I did get a letter in the mail stating that the information that was requested was never received so the modification was denied. Really!!! How many times does one have to sent the information, leave voice mails and never get replies. I am in danger of losing my home because someone thinks this is joke and its not important or maybe it because I am a XXXX something XXXX male that owns my own business so who ever is handling this case feels I am not worthy of working with. I feel that I have been discriminated against because of my economic status and sex. I have had nothing but problems with this company from day one. The mail they send is out of date, they have lied several times stating one thing and then sending a letter saying the exact opposite. My credit has been destroyed due to the absolute ineptness of the staff the I have had to work with. Its obvious that little training or education is needed to work for this company as they all make up what they feel will sound good so they can get you off the phone or they threaten you with loss of your home and your credit. Greentree needs to be out of business and never service another loan again. This has caused undue stress resulting in medical issues for myself at this point. I can not move on with my life until this issue is taken care of.
12/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32444	Web	Servicemember
As a result of a disaster in which I lost the use of my home, I submitted a claim to my insurance company. I also called my mortgage company Ditech at the same time ( XX/XX/XXXX ) to make sure my claim was handled in a timely manner. It took two months for my insurance company to release a payment for damages at which time I immediately called my mortgage company ( XX/XX/XXXX ) to get them all the information they requested. They informed me that it would take approximately 16 business days from the day they physically received my information ( XX/XX/XXXX ) to release the insurance check. I explained that they had all the documents, costs were incurred and some work has already been done, and I am living in a camper behind my house and they had all the documents to release funds. I got the same standard answer. No deferment of mortgage payment or any solution. Just that they are overwhelmed with the amount of disaster claims across the country right now and there is nothing else they can do and I'll just have to wait ( XX/XX/XXXX ). I can imagine that this is where mortgages fail and foreclosures happen. I asked if the company had or is developing any expedited processes or hiring more claims processors to help and short answer was no, it will just take that long and I'll just have to wait. If the insurance has gone through the process and the homeowner is entitled to the money, the mortgage company should not delay the process. I understand it is an asset for them, but it is a hardship to all of their customers that they are ill-equipped to handle this process.
06/29/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33065	Web
I received a Motion for Writ of Possession dated XX/XX/XXXX show a certificate of service in mail and I have reached out to the mortgage company several times and we was in the process of modifying the loan. I am a victim of Predator Lending. The deed of Trust identified Lender as America 's Wholesale Lender and Stated that XXXX '' ) was acting solely as a nominee for Lender and Lender 's Successors and assigns '' and was ". I was giving an " Adjustable Rate Rider '' ranging from 8.5 % XXXX 2 years, 10 % interest payment XXXX XXXX ), 11.50 % ( payment XXXX ) and 12.875 % ( from payment XXXX to the end of the loan ). In XX/XX/XXXX I purchase a home with a mortgage loan XXXX {$370000.00} and XXXX {$90000.00} mortgage with the same company. I am not sure what happened where I stand right now my children are going to be homeless to the fact that your company refused to modified my loan. Worst thing that when I thought they were in the process of modifying my loan instead they decided to foreclosed and sold my home without notifying me the process. I believe my note is an Unendorsed Note by XXXX. My loan documentations is an open book XXXX XXXX XXXX XXXX XXXX. Green tree and Bank XXXX when i asked to speak to someone regarding because of my language barrier i get the run around. I went to the court they informed me that they have a court date on XX/XX/XXXX @ XXXX. And they stated that your home was sold since XXXX we do not have to contact you or serve you. If you received the Writ that means you was notified. I received the Writ thru regular mail dated XX/XX/XXXX
07/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80020	Web
When our mortgage was sold from XXXX to DiTech, they misplaced one of our payments during the transfer. They insisted they did n't have this missing check so we resolved the issue quickly by stopping payment on the lost check and issuing a new one. Then they found the missing check and tried to process it, but it was already stopped, so it was returned. This went into their system as a returned check. Since then, DiTech has been telling us we are short a payment because of a returned check, but we are not. We are fully paid up with the correct number of payments, which they see and admit every time I talk to them on the phone. They know that they have a system error that is misreporting this as an issue, and I 've been trying to resolve this with them since XX/XX/XXXX over the course of a dozen phone calls that last XXXX minutes each. But they can not fix this problem. I 've been assured a number of times that they are correcting it, and then we get a late fee the next month again. I call them, they see the problem, they remove the late fee ... and then the next month I get another late fee because the underlying problem is not resolved. I did not choose DiTech to service my account, and I do not seem to have any recourse to get away from them without refinancing my mortgage. They are constantly over-billing me for late fees that I do not owe, and I waste time talking to them every month in a desperate attempt for them to fix their problem. I 'm afraid that they are going to affect my credit rating by reporting me for late payments that I do n't owe.
06/26/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NM 87120	Web	Older American
I am contacting CFPB today because I tried to contact Green Tree Servicing customer service and XXXX attempt I was disconnected and XXXX call I could not get a reasonable intelligent answer to my questions. XX/XX/XXXX first off someone or something decided to send me a escrow surplus check, which created a negative escrow balance. Same time period someone recorded a escrow payment and then did a payment to hazard/fire insurance co. For the rest of the year the escrow account entered into a negative balance XXXX more times. In XX/XX/XXXX I get a escrow account disclosure statement stating I am negative {$830.00} which Green Tree opted to collect it over the next 18 months. Not only did Green Tree add a shortage payment of {$46.00} they increased my regular escrow payment by {$5.00}. I do not understand the logic of Green Tree servicing practices. Who or what issued the surplus check did not look at my trailing history or future obligations. Using Green Tree 's own explanation of escrow balance '' escrow represents monies collected and held by servicer for the future payment of taxes and insurance ''. It is clear that Green Tree did not look at total escrow account before issuing a surplus check. When I received the check I did think a red flag was necessary, by the definition of surplus '' something in remaining after all current and near future obligations are accounted for ''. My mortgage has has not been delinquent with either Green Tree or XXXX XXXX XXXX who sold the mortgage. As the consumer I do n't feel it is my job to XXXX check Green Tree 's figures.
06/30/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 93312	Web
I am trying to inquire with Ditech - " XXXX XXXX '' about how they are calculating my monthly payments which will change - adjust on XX/XX/XXXX. I have calculated the amount myself and with other mortgage companies. they are charging me {$1200.00}, and I have calculated a mortgage with {$1100.00} for a rate of 4.0 % {$190000.00}, - which is almost {$500.00} dollars more than what the loan amount will be at the time of the adjusted rate from 3.5 to the new rate of 4.0 %. So, my monthly P and I should be lower than both. Clearly they are overcharging me. I have called, and been hung up on after having a rep put me on hold for 20 minutes twice, and then she hung up at XXXX XX/XX/XXXX. I am about to get legal counsel, and form a class act as I can see I am not the only XXXX with this problem. I have called again, they will not transfer me to a supervisor, unless and continue to give my own personal information, of which has not helped in the past. I have asked XXXX XXXX, supervisors XXXX , to give me one good reason, why I should give my personal info any further, as I am personally now invested in protecting my own security, since they have been fraudulent, and not trustworthy. They have no answers for me, but please " hold '', " Bear with me '', and " im working on it. '' They also state I must give more personal info to talk with a supervisor. Please advise, as I will be consulting with my attorneys next week. Thanks. Ps. this is by far not the first horrible experience I have had with this company, and am looking forward to a Class Action Law Suit.
09/01/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL XXXXX	Web
Former Complaint XXXX - DITECH FINANCIAL LLC After several months, Ditech apparently corrected their inaccuracy of the above complaint ( XXXX ). I visited the company website on XXXX XXXX, XXXX to review the changes and adjustments after they acknowledge their mistakes, which triggered this ordeal. I found that the past due payments were cleared and the payment amount is up to date. Notwithstanding for my surprise, I realized that Ditech generosity was shallow because what they did, after admitting their mistakes, pass all fee charges and escrow errors to my principal amount, which increased from {$110000.00} on XXXX XXXX, XXXX to {$110000.00} on XXXX XXXX, XXXX. Meaning that they didnt solve the problem, they just passed the burden to my principal account, at my cost. These are their last sentences from their letter on XXXX XXXX, XXXX, which I uploaded : Your concerns regarding your loan account have been escalated to upper management. The payments made to the loan account will be reallocated and the escrow account will be corrected. Any late fees will be waived and any negative information that has reported to the Credit Bureau Reporting agencies will be updated. Not sure this action was fulfilled??? Please allow additional time for corrections to reflect on the loan account. I did and I found the above surprise!!! Ditech sincerely apologizes for any inconvenience this has caused. Is not an inconvenienced because they passed the fees and escrow issues to my principal account. Apologies based on my expense???????? Seriously?????? Best regards
04/06/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NJ 08618	Web
I own a home which was destroyed during XXXX XXXX that is now in default. I have found a buyer ( for the value in the land as there is no value in the dwelling ). I sent the settlement check from my insurance company to Greentree Mortgage via overnight mail. It arrived at their payoff department ( address I was given by Greentree ) on XXXX XXXX. They have not deposited the check and have been sitting on it for two months. Both my attorney and I have been calling and getting the run around. We are both completely exasperated! My buyer is ready to walk away and I can not afford to lose this deal. It is not easy to sell an uninhabitable and potentially structurally unsound home. Greentree representatives have made so many promises about getting this taken care of and nothing has come of it. I called again this morning ( as did my attorney ). It appears that they have deposited the check but only a portion of it. There were supposed to deposit the full amount and give us a payoff statement so that we could go to closing and be done with this nightmare.. They had agreed not to charge fees and interest from the XXXX/XXXX/15 date as it was their fault that they were not applying the monies from the insurance check. They applied the portion of the check improperly and have charged all the fees. This is beyond ridiculous! They have had my money for over two months and the end is still not in sight. XXXX goals I am looking for here : 1. Apply the full insurance check back to the XXXX XXXX date, 2. Send me a payoff statement so that we can go to closing ASAP! Help!
12/09/2019	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	OH 433XX	Web
I recently sold my home and closed my mortgage account with Ditech. I have been waiting since XXXX for my refund escrow check. It has been reissued to me about 4 times now. Every time i call, they either say I have to wait 30 days, don't have a record of a recent request, or refuse to transfer me to a supervisor because they are " all busy ''. They put me on hold for long periods of time, and only when i speak again they say they figured it out. It seems like they legitimately put me on hold for as long as I will allow. This last time I called, end of XXXX, they " reissued '' my check, said it would be here by XX/XX/XXXX. I called again around beginning of XXXX/last day of XXXX, and a new rep said I would receive it by XX/XX/XXXX. I called TODAY, the XXXX, to make sure it was sent out, and the rep said I never requested a new check, the last time was XX/XX/XXXX and they never put a stop payment and there is no other history of my call. I'm getting really annoyed and very frustrated as i keep running in circles and it's a decent amount of money that I would like back. Half the time, it is ( and sorry ) a foreign person who doesn't speak English well, and keeps trying to FAX or EMAIL me refund check, which, lol, you can not deposit an email. This call currently is running 40 minutes and counting and I still can not get through to a super or anyone higher. The rep puts me on hold to look for someone, until i start saying " hello? '' and then says sorry, everyone is busy, i can email the supervisor though and no, you can not be copied on the email.
06/24/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 93063	Web	Servicemember
My mortgage loan was transferred to new mortgage service in XX/XX/XXXX. The new mortgage servicer sent my documents to other 3rd parties but not to me. They refuse to communicate verbally and will not mail me my monthly mortgage notes to my home address. However they do send me unrequest home appraisals and charge me for them as well. In addition, their disputed owed amount is erroneous. It was erroneously claimed by previous the previous FIVE ( 5 ) servicers. I am disputing these maliciously erroneously claimed amount with previous service-rs in the courts. However, until this matter is cleared, this NEW COMPANY 's malicious and fallacious claims are ruining my credit, and the opportunity to get away from a usurious interest-only loan acquired in the XXXX to XXXX home financial crisis. I am paying an interest rate of 6.125 % and it will climb to 6.75 % in the next 2 years. I can not afford to continue to trow hundreds of thousand of dollars, for the next 30 years, just because they claim it to be so! Since XXXX of XXXX thru XX/XX/XXXX, I have paid in excess of {>= $1,000,000} dollars in pure interest because they purposely muddled my payment history in order to force me into foreclosure. I beg you, please review my document package, it list every cashed check from XX/XX/XXXX, to XX/XX/XXXX. Every one has been cashed by their respective holders withing a 30 day period of their receipt. I would welcome a little bit of justice, just enough to stop being ripped to shred 's by the viscous predators that this industry have become. Thank you.
03/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	HI 968XX	Web	Older American, Servicemember
Subject : FAILURE TO PROPERLY SERVICE MORTGAGE ACCOUNT Ditech Holdings : Bankruptcy Case XXXX - Ditech Holdings ACCT NO. XXXX XXXX XXXX Mortgage : XXXX XXXX XXXX XXXX, Unit XXXX, XXXX, HI XXXX To Whom It May Concern : Over the past 6 weeks I have faxed several written requests to your customer service fax number filing a formal power of attorney notice for the subject property and requesting a copy of the appraisal associated with the mortgage. To date, I have not received the appraisal. Additionally, I have made several calls to your mortgage servicing phone number ( located in the XXXX and staffed by foreign nationals ) and have had a horrific experience. The wait time to speak to someone was never less than 30 minutes. I had to lead the service rep step by step through the Power of Attorney document that I had filed with you to ensure my contact information was updated to even get them to speak with me, even though the POA had been submitted weeks before. On two occasions the phone line went dead shortly after it was answered. In two instances I was assured that the documents would be emailed to me and they were not. In one instance, I insisted that the foreign rep connect me with a knowledgeable U.S. Ditech staff member to assist me. After assuring me that the call would be transferred to a U.S. staffer, I spent another 10 minutes holding on a silent line before hanging up. Please send me an electronic copy of the appraisal associated with this mortgage with out further delay. Send it to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, HI XXXX SSN XXXX
09/01/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	AL 363XX	Web	Older American
Back in XXXX I had an offer on my house to sell it. I am in a Chapter XXXX bankruptcy. I requested a payoff amount from Ditech Financial and they provided me one that was incorrect. I sent notification of my concern to Ditech. I used the payoff amount anyway and wanted to settle up after the close rather than delay. The closing was postponed until XX/XX/XXXX. I requested another payoff and the Ditech then sent a letter to the court saying wanted a hearing to make sure that I was selling the house for more than the mortgage which was a delay tactic since they had the signed offer and they knew what my mortgage was. They requested the hearing and it was set 2 days after my closing date! The buyers backed out and I was left with lots of expenses. I got a letter shortly after that from Ditech saying that they were in error on the first payoff and I was correct with my numbers. I have another offer on my house and I requested the payoff 30 days ago and have received nothing. I called this past week and they said they could not send me the payoff it had to go to my lawyer? This is after they had already sent me directly payoff information. I am being ruined financially and my wife is on the verge of a nervous breakdown. it is obvious that they are doing this with purpose and malice. What can I do. I am also giving all of the money I get from the closing to discharge the bankruptcy. So this is action by Ditech is preventing me from doing that as well. This is predatory. What can I do? I just want out and get on with my life. Please warn people about Ditech
04/27/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 76148	Web
The mortgagor ( my dad ) passed away, was the only one on the loan and didn't leave a will. My mom appears on some documents as third party. Unfortunately the home is on foreclosure and the mortgage company only gave 30 days to come up with the money of the full debt and/or to speak to them regarding the mortgage. However the current mortgage company won't provide any information as to what are my mom 's options as to paying for the mortgage. I'm the older daughter and I'm trying to get pre-approved to get a mortgage and have begun the process however I need time to be able to complete this process and payoff my mother 's loan. We called the mortgage company to try to get information as to what are our options to transfer the loan to my mom 's name and one rep advised to send a copy of my dad 's death certificate which was sent to them numerous times to for it to be updated to the account so that we may be able to get account info but every time we call we get different answers from reps and most of the time they won't talk to us. They said that they will need a will, executive of estate or order by judge but we can't apply for any of these because this process will take way to long and by that time we may lose the property. My mom lives on a fixed income and can't afford to pay expensive legal fees. We are desperate and don't know what to do. We want to speak to the mortgage or their representatives to let them know that we want to save the property and we are working on getting a pre-approval to payoff the loan with them but they won't speak to us.
07/20/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MN 554XX	Web
I 've been through a bankruptcy. My were debt were discharged in XXXX. Among them is this mortgage. I want Green Tree to do a Deed in Liu. I have made XXXX attempts. They have requested numerous documents which I have provided. The first time they told me they were closing my request for a deed in liu and that I had to evict the tenant presently in the house. So I started the process again. Sent all the ducuments again and asked my lawyer to help me evict the tenant. This process has begun. We gave the tenant 30 days notice as is required. The tenant was served this notice. Next month it will go to court if the tenant does n't vacate. Today I was informed by Green Tree that they were again closing my request for a deed in liu since the tenant is not yet out. Well since I 've been through a bankruptcy in XXXX and I 've begun my fresh start, I 'm not willing to compromise my private documents yet again for a XXXX time. I do n't see why Green Tree ca n't keep my request active until my attorney is able to get the tenant removed. I 'm not willing to go through the document sharing process again. In addition, the forclosure process in NY takes two years. I 'm trying to speed up the process with a deed in liu. The bank is n't willing to work with me. What do I want? Just keep my deed in liu request active until the the tenant is out and the deed in liu can occur. Asking for these docuements after a bankruptcy seems unreasonable to begin with. Asking for them XXXX times does n't seem to me appropriate at all. I just want to the bank to take the house.
06/06/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	CA 91766	Web
On XX/XX/XXXX, my wife and I signed documents for a loan with XXXX XXXX XXXX in the amount of {$66000.00}. We paid on this loan for several years until the economic downturn took place here in California around XXXX. It is my understand the loan transferred from XXXX to XXXX, then to Green Tree and then to Ditech. Unfortunately, I do not have any account information with the exception of the original lien that was filed with the XXXX XXXX County Recorders Office ( see attached file ). The last piece of information I remember seeing from Diteck stated they were no longer pursuing this loan. My ex has told me this loan was paid in full and was part of a charge off from XXXX and a prior bankruptcy from Ditech. She does not have any further information, account paperwork or numbers. I am looking at refinancing the property and the attached lien is not allowing me to proceed. I have tried for over a month now to find ways make contact with any representative of Ditech to obtain information about removal of the lien. I have also reached out to XXXX XXXX and XXXX XXXX but they indicate they have no record of any loan or information linked to my Social Security Number. I have also spoken with an investigator out of the State of Texas who said he has had three other people contact his department with the same issue. He further stated, and XXXX XXXX has confirmed, Ditech has not forwarded any files which were closed or no longer relevant. I am hoping you can assist me in obtaining the account information and a reconveyance so I can proceed with my refinance.
07/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ XXXXX	Web
We are continually harassed by Green Tree Servicing whom took over our loan a few years ago from XXXX. They indicate we are delinquent in our funds monthly and state that they are a " collection agency ''. Recently, I received a 30 day delinquent notice, although our $ USD counterpart ( XXXX XXXX XXXX XXXX ) sends us confirmation of funds withdrawn between the XXXX and XXXX of every month. The problem is XXXX fold ... I am an XXXX living in XXXX and have to rely on mail / postage as Green Tree does not offer electronic transfers / payments ... who does n't offer this service in the XXXX XXXX!!!?? ... Green Tree does not. Secondly, when our bank sends the mail ( confirmed ), it has been explained to me on several occasions by the many transient 'account managers ' we 've had over the last few years, that the mail sits in their accounts receivable department until process. As a point of consistency, we start receiving calls from Green Tree call agents around the XXXX of every month and continues until our payment is miraculously processed ; somewhere between the XXXX and XXXX of the month. As such, our account shows delinquency nearly every month. To cap it all off, due to their fallible processes and poor customer engagement, we receive at least 1 to 2 phone calls per day from Green Tree, which we 've since stopped answering and are contemplating legal action at this point. The call agents phone, without regard, any time of the day. We 've even received several phone calls at XXXX on a Saturday morning over the last few years!! This HAS TO STOP.
07/09/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	GA 30043	Web
To whom it may concern : Borrowers Name : XXXX and XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Our SS # is NOT on file with Ditech per customer service Loan account number w/Ditech : XXXX Concern : HOW CAN WE HAVE A WRITTEN OFF FRAUDULENT LOAN REMOVE that is NOT on any credit report. AND REMOVE A LENDER WHO IS OUT OF BUSINESS FROM OUR DEED AT THE COURTHOUSE. Summary : XXXX XXXX was the original 2nd lender on our mortgage 15 yrs ago. ( 80/20 ) Then the debt has been sold several times and then Ditech bought out the last company. The loan was written off in XXXX but Ditech keep sending collection notification and calling trying to collect on $ XXXX so call debt. This debt which was a 2nd loan used to close my home mortgage. We hired an Audit firm to review our original loan documents and there were several discrepancies that were found when our loan was processed/closed. Based on the violations we had the right not to continue to pay the monthly payments on the 1st and 2nd mortgage. The 1st Mortgage servicing company modified our loan due to these discrepancies. Each time when it was sold, we informed the agency who bought the debt as to why we are not paying for a loan that is in violation. So now Ditech is stating they have a make shift lien on my house because since they owned the debt paper. But the deed at the courthouse has the original lender XXXX XXXX on it ( Which no longer exist ). I ask Ditech why don't they put their name on the deed since they owned the debt ( a XXXX from collections ) said that is not good business since?
09/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 128XX	Web
My complaint is with GreenTree Servicing. I took out a mortgage with them in 2001 when I had a full time job. My interest level was 10 %. I no longer have a full time job. Over the years I have contacted them when my mortgage fell behind. There has never been much help just bandaids to the problem. I am now collecting Social Security benefits and do not work. I have attempted to get my interest rate ( 10 % ) lowered on numerous times but to no avail. The first time I applied for the MAKING HOMES AFFORDABLE PROGRAM, program I was told to submit the documentation and I did. I would get notices that I was missing documentation, etc. which was not true. If I called customer service to see where I was in the process I was told to contact the XXXX XXXX office. Finally after weeks I gave up and sent them a letter saying I was tired of it all and just gave up. Next time I attempted was about a year ago. Submitted everything, and never heard a word. Waited, Waited and Waited. Finally I called Green Tree 's XXXX number and spoke to someone who told me ( after I jumped through all the paperwork hoops ) that GREEN TREE did not participate in the program. So, another road block to get help with this mortgage. My mortgage was for 30 years. I still have 15 years left and I still owe almost as much as I started out with because of the outrageous interest rate. Are there any programs out there to help people in my situation? My loan payment is being eaten up by the interest and I do n't believe GREEN TREE treated me fairly when I tried over and over to get help.
01/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MO 630XX	Web
I have had a mortgage with greentree for 20 years, and it 's been a nightmare with threats to come to my home move me out if I did n't get my payment in and will sue me, next thing i know I had thousands of dollars added to my mortage. Threats at my boys : they Told my boys " they are losing there home need find place to move, contacted my mom asking her to come up w/money or ill lose my home /contacted my X - mother law hitting her up for money. Now I been trying for loan mofication for a year greentree would deny mofication because they did n't reviewed required documents. I sent in what I was suppose to over and over again. I have contacted my state attorney general 3 times they are NO help!!! Greentree sold my home behind my back when they said I was finally approved for deferral, next thing I get was a letter telling me to vacate home. I have my son and grandson ( XXXX ) living with me I have been verbally abused threaten and put under extreme pressure ( XXXX, missing work XXXX ) from years of abuse from greentree.I have worked all my life, I had XXXX good jobs, but with 20 years of declining work force ( which I did n't create ) I fall behind on mortage. Greentree lie and deceived me and should be shut down. Now I have to scrap up money to get a lawyer to help me stop the sheriff serving me papers to vacate. Greentree has billed me XXXX for attorney fees court ect. I was only XXXX behind when I started mofication, now I owe them XXXX to stay in home. Can you please help? I have all documents from start to finish. Thank you XXXX XXXX XXXX
12/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85120	Web
Called Ditech about putting {$50000.00} towards my principal. Was told I could do it over the phone but would have to do XXXX electronic transfers of {$10000.00} dollars each. I agreed and make it very clear that the money was to go toward principal and that the money was to be taken from my savings account. The transfers were made and the next day I received an email from my credit union showing that I owed {$140.00} in NSF fees. The first transaction of {$10000.00} was taken from my saving account went through without any problems. But the next XXXX transaction of {$10000.00} did not go through because Ditech made a mistake and tried to take it out of my checking account. Ditech has admitted the error and they keep apologizing and say they are going to reimburse me, but the money never comes. Instead Ditech sends me a nasty letter saying they are charging me {$100.00} because the transactions did not go through. Ditech admits their mistake and then charges me {$100.00}. I am out {$240.00} for Ditech 's mistake. I have talked with 12 different people at Ditech including 3 supervisors and still do n't have my money. Ditech uses the old term " THE CHECK IS IN THE MAIL ''. I have gotten 14 pieces of mail from Ditech but no check. After telling me " THE CHECK IS IN THE MAIL '' I received a notice that {$140.00} was deposited into my savings account. It was another lie, the money is not in my savings account and when I call them they have no answers. Mortgage companies need to me held accountable and should not be allowed to operate like this.
08/07/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PA 19454	Web
I received a surplus check from my escrow account on XX/XX/XXXX for the sale of my home from my then mortgage company, Ditech Financial ( which is attached ). Unfortunately, Ditech addressed the check to both myself and my deceased husband, so along with moving it wasn't until the following summer ( XXXX ) when I came across the check and tried to cash it at my new bank. I was told I could not deposit it since my deceased husband 's name was listed, and called Ditech on XX/XX/XXXX. I was told that a new check would be re-issued in my name only and to allow 10 business days to receive it. However I never received it and called again in XXXX only to find that Ditech had gone bankrupt. My daughter and I have spent many hours calling different companies and assistance bureaus to try and find a way to track down this money as it is not an insignificant amount ( {$2600.00} ) but to avail. Most recently I contacted the XXXX XXXX XXXX XXXX and spoke with Ms. XXXX XXXX who had reached out to XXXX on our behalf as they had acquired existing mortgage accounts. But given that when Ditech went out of business I was no longer a customer, they have no record of me and this account in their system. I am very much hoping that someone at the CFPB could assist in some way, I would be forever grateful to be able to get a new check reissued. I understand that I waited some time to get on top of this but I was going through a lot with my husband passing, the move, etc and I dropped the ball. I am still holding hope that this will be resolved. Thank you very much.
12/06/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07110	Web
was laid off back in early 2016 I contact my mortgage lender Ditech LLC to talk to them about my current situation. I work in the XXXX as a XXXX and was on a temporary furlow. I read in Ditech 's paperwork that they work with clients in situations where they need temporary assistance. When I contacted them I was told there were no such options for me. I was put in contact with at least 14 different representatives to no avail. All I wanted to do was rectify the situation and get back on track. They pushed me further behind in payments because they kept switching me to different departments/people. I think this is a tactic to put you into foreclosure. I hired a lawyer to help me with the situation and I was then given a loan modification. I did not sign the paperwork because of the terms and when I tried contacting the person on the paperwork they never called me back - at least 12 messages. I did not want to sign something that was given to me that in the letter is clearly stated if any questions before signing contact so and so. After paying for help they continually pushed me further behind asking for proof that I was back to work I showed 12 months of paystubs and they came back with a determination that the hardship was not satisfied. The hardship was absolutely temporary and resolved. I just want to pay my mortgage we are a family of XXXX and I work in a XXXX XXXX in NJ. Upstanding citizen and I find it very unfair that Ditech states unfactual documents about my situation!! Please any help is needed to resolve this matter. XXXX XXXX
10/09/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 014XX	Web	Older American
Ditech Mortgage I have field a previous complaint. This weekend I received certified letters regarding a demand for over {$2700.00} for non payment for the months of XXXX, XXXX and XXXX, that I had not made these payments, notice of to foreclosure and an application for a modification. Also, similar documents were sent to my brother regarding the same property. The problems are : 1. I have not missed ONE payment on my mortgage since Diteck assumed my mortgage ( many years ), I have all my bank records demonstrating my payments. 2. My bother XXXX XXXX does not own this property 3. I own this property exclusively 4. My bother, XXXX XXXX is deceased. 5. XXXX had previously reported on my credit report there were TWO FIRST mortgages on this property which was never true, impossible to have two first mortgages on the same property. This error caused my credit score to plummet 6. On an earlier occasion they reported I had a zero balance, which was not true 7. And they reported that my mortgage was included in a bankruptcy which was not true 8. Whenever I have tried to call them a voice menu requires I provide them the loan number and when I do, the call automatically transfers to another company that represents XXXX and that company say they can not discuss my mortgage without XXXX XXXX approval. 9. I have written XXXX directly and have had no response other than THIS NOTICE OF DELINQUENCY, IMMEDIATE DEMAND FOR PAYMENT, and risk for foreclosure. I believe these recent notification are vindictive in nature and a result of my earlier complaints.
03/28/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	TX 76226	Web
I received a XXXX from Ditech ( formally Greentree ). I also received a letter this week saying the XXXX was incorrect stating it was a mortgage instead of a car lease. The original creditor had charged of this debt in XX/XX/XXXX. They did not attempt to collect it from me nor put it on my credit report because they had accidentally repossessed the car while it was in current status. They then delivered the car to the wrong address and I found the vehicle a couple weeks later damaged. The original creditor refused to pay the damage and I of coarse refused to make any more payments until they did. 8 years later a company called Greentree was sent this debt as a mortgage. I hired an attorney and Greentree agreed to remove it from my credit report and cease collection activities. I then started receiving collection letters 3 years after the mtter had been resolved. The attorney that handled for me contacted Them and the stopped once again. Now Greentree has become Ditech and is trying to avoid paying federal income taxes by filing a XXXX on this debt that charged off in XX/XX/XXXX and the original creditor never attempted to collect from me nor ever pout on my credit report because of their error. This has been a very upsetting ordeal because I was forced to hire the attorney because Greentree would only yell at me when I called and would not let me explain this was not a mortgage debt. By not having the correct XXXX by this date XXXX/XXXX/XXXX it has made things very difficult for me because I do not want not file a tax return that is incorrect.
03/14/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 95826	Web
I filed for XXXX XXXX Bankruptcy since XX/XX/XXXX which was discharged XX/XX/XXXX. During the bankruptcy period I was paying my first and and home equity line outside of the bankruptcy. XXXX XXXX XXXX Mortgage is my mortgage company which I had no issues with ; they sent me " informational statements '' each month which kept me informed of balance interest etc. However Green Tree never sent me informational statements although I had requested many times. I was always promised they would come but time and time again did not receive. Even now after a year since my Bankruptcy has been discharged I have not got XXXX statement. I was never informed Green Tree is now Ditech Financial LLC. I realized after receiving my Form XXXX Mortgage Interest Statement in XXXX XXXX and XXXX Green Tree to determine Green Tree is now Ditech. Both Green Tree and Ditech failed to provide me proper documents to inform me my loan was sold or transferred from Green Tree to Ditech. Both companies failed to comply with my request for informational statements while in Chapter XXXX. Both companies failed to provide monthly statement of my balance, monthly payment amount, interest I am paying ( adjustable ) verification of payments received and loan balance even after my repeated request. With out knowing my current current interest amount I was unsure if getting a personal loan would be beneficial. Ditech Financial LLC ( formerly Green Tree ) has caused me much time and stress. As of today, 1 year since the discharge of my Bankruptcy I still have not received a Statement.
04/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 857XX	Web
When my home mortgage loan began with Green Tree, I signed up for their bi-weekly automated payment program and they initiated the withdrawals from my bank account. One month later my loan was transitioned to Ditech and initially nothing had changed ( due dates remained the same and the automated bi-weekly program continued ). In XX/XX/XXXX, the due date on the monthly statements changed ( 1 day earlier ) and late fees started to accumulate despite the companies automated bi-weekly payment plan. In XX/XX/XXXX, Ditech discontinued their bi-weekly automatic payment plan, so I initiated bi-weekly payments to be paid by my bank without any gaps in payments. All of a sudden, my payments were being applied to bogus late fees that had been accruing without my knowledge. Upon a detailed review of my account payment history, it became evident that principal payments had been applied 3-5 months late. However, the more serious concern is that when I finally got the company to reverse the late fees, 2 payments that should have been applied to principal were instead applied to a future months payment. I have spent many months trying to get this situation corrected, but have been unsuccessful, as their customer service department / call center makes it nearly impossible to reach the same supervisor on subsequent calls. I truly believe that my issues originated with system updates and that if this has happened to me then this has likely happened to other Green Tree / Ditech customers that were utilizing the company 's automated bi-weekly payment program.
05/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92688	Web
Dear CFPB, We have had intermittent difficulties paying our mortgage for about 5 years because we have been living on XXXX income and our second mortgage is an ARM that adjusts upward every year. We applied for a loan modification with XXXX XXXX XXXX XXXX Greentree in XXXX and again in XXXX. In both years, they had mentioned that we might qualify for a HAMP modification which would help to also modify our second mortgage. In both years they declined us for a HAMP modification saying that our mortgage debt to income ratio needed to be higher than 31 %. Using the numbers we submitted on the loan modification forms, I calculate that our debt to income ratio is 36 % so we should qualify. After the second decline I finally pushed them to explain to me how the ratio would not be greater than 31 % and they said they calculate this based only on the first mortgage payment - they do not include our payment amount for the second mortgage in our monthly mortgage payment. This is inaccurate and deceiving. How can the mortgage company be allowed to calculate our monthly mortgage expense without including both mortgages? And why are they deceiving us by asking us to submit our total expenses and both mortgage amounts when they only plan to use XXXX number in their calculations? Our second mortgage is much higher than our first mortgage so this difference in calculation is huge. We are now facing foreclosure on our second mortgage and they are not able to consider a HAMP modification because our first mortgage did not qualify us for this modification.
01/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36701	Web	Servicemember
I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to XXXX Credit Bureau, so it make it look like I have more debt than I actually have, because Ditech is reporting the mortgage to XXXX and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.
07/27/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 625XX	Web	Older American
Originally my husband and I refinanced our home in XX/XX/XXXX to combine our 1st and 2nd mortgage into one loan. I did not realize that the Loan Originator did not have my name on the loan I later found out after my husband passed away that I was not on the Note only on the Mortgage and the Deed. To my knowledge the loan was to be done as we originally had it with both of our names on the Note and the Mortgage. My issue is I am now trying to refinance under the HARP Program but because my name is not on the Note they will not report the payments that I have been making for the past 71/2 years to the credit bureaus, but have sent me printed receipts until of XX/XX/XXXX is when I received the last receipt in my name they now come in my deceased husband 's name. I really need to refinance my home so I can stay in my home. Back in XXXX the interest rate was 6.375 % for 30 years and the rates have been historically lower in the past years and could save me my home and the extra money I am saving I can do some maintenance should it be required on my home in the future. I live on a widow 's pension which is very limited and I am XXXX years old and have not been able to work for a very long time, so refinancing my home means everything to me. I tried to work with the mortgage co but no one will even speak to me now about this mortgage. I am attaching receipts from XXXX thru XXXX in my name but they still will not report this in my name to the bureaus as they know I am the one making the mortgage payments, and I am the sole owner of the property.
08/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	ME 041XX	Web
Green Tree took over my account servicing from XXXX in XXXX 2013. I have had nothing but problems with them. Last year, they forced me to pay extra into escrow, even though I provided information that I did NOT owe that money. They did refund the extra at the end of the period. In fact, I complained to cfpb about them at the time. I got a response from you that Green Tree was '' researching '' the complaint, and never heard from you again. THIS year, they stated that my escrow was low {$1400.00}. My taxes AND insurance only went up about {$500.00}, so I do not know how they came up with {$1400.00}. I have written them XXXX times and get nothing sensible back, and they take XXXX weeks to respond. I paid {$1000.00} into escrow. They increased my payments anyway, and XXXX letters later, I finally paid the {$460.00}. They still demand the higher payment. Well, in fact, they now DO NOT SEND my statements. Twice they sent responses with attachments but the documents were NOT included. I have had no statements for XXXX, XXXX, and nothing now for XXXX. Their " representative '' called me at the time I sent in {$1000.00} and started yelling at me. He would not listen to anything I had to say. I refuse to call them. I write everything. I need my payments set right, and I need my statements. Green Tree is not responsive to customers. They have not been answering my letters and they are purposefully not sending my statements, because I have been receiving other mail XXXX HARP refinance, which is probably required by the government ) from them.
04/24/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75460	Web
This compan y ( Ditech ) to ok over my mortgage loan and t he 1st paym ent was due XXXX / XXXX / XXXX . All monthly payments have been made when the statements were received. All was going w ell ( one statement per month ) until XXXX XXXX when I began receiving more tha n one billing s tatement per month, sometimes as many a s three per month, which were all paid when received. All billing statements came with identical paperwork, stating amount due, a return coupon stating " detach + return with payment '' and return envelope. I contacte d Ditech and they advised they would fix the problem. I do not recall when I contacted them or to whom I spoke to, perhaps a year ago. I incorrectly assumed the issue was resolved. On XXXX XXXX , XXXX I received a notice to send an additional amount to adjust an escrow deficiency or my payment would be increased. I did so, but I received another statem ent ( XXXX / XXXX / XXXX ) no t reflecting this change. I contacted the company aga in ( XXXX / XXXX / XXXX ) to m ention the multiple monthly statements and why the increase in payment amount. I also requested a written statement confirming the due date of my next payment. On XXXX / XXXX / XXXX I received another billing statement with only a slight increase in original payment, but not the " same '' amount as mentioned in the request to keep my original payment the same. Not once in the twenty-eight mortgage payments made, did I ever indicate I was sending additional funds to be applied to my mortgage loan principal or interest.
05/19/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IL 60015	Web
An application for short sale was submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I acalled Ditech and spoke with XXXX at Extension # XXXX. I was told the customer was being moved formally into Short Sale Review, a representative will be assigned and a BPO is being ordered. He said we should follow back up in one week with them. On XXXX XXXX, XXXX, I called XXXX x XXXX, to check the status of the short sale application. He asked me for the borrowers " title '' and I told him it 's " XXXX '' He said that 's not correct and I said he has no other title and if he 's referring to the fact that our client is a XXXX, but that is a suffix not a title. He said he needed the full name on the account and I told him I gave it to him. He hung-up on me. I called back and got XXXX again. I asked for his supervisor immediately and was transferred XXXX XXXX. XXXX said he did n't see any notes as to the BPO. He escalated the issue to the SS dept. He said someone would call me back on XXXX XXXX or XXXX. No return call was received. On XXXX XXXX, XXXX, I called Ditech and spoke with XXXX x XXXX, she said she sees that XXXX XXXX sent a request for a manager to follow-up. The Manager did not follow-up with me, which is why I called back. She said there are no notes in the file since the representative never sent the referral to the loss mitigation dept. So, our appliciaotn has been sitting for a month. They said it should be assigned to a short sale representative on XXXX XXXX, XXXX. I would like this person assigned now, as an entire month has gone by.
11/28/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 98011	Web
Greentree acquired my HAMP mortgage and I feel they are trying not to honor the agreement of my loan and possibly being deceptive. A couple of months ago, I originally asked about my {$1000.00} credit for each of the five years for making payments on time and they first appeared not aware of it. About two months later after this call, my XXXX bill pay XXXX payment they are stating was not received. I used XXXX to pay via online payments for previous Greentree payments with no problems. Only after I inquired about my {$1000.00} per year HAMP payments, XXXX of my payments suddenly was not received. The first notice I received about this missing payment was via mail on XXXX XXXX. I immediately called Greentree/Ditech and they stated they could not correct this problem and it would affect us getting the full {$1000.00} credit or to some portion. Greentree/Ditech states they have been calling my cell and an old number which I have not received any call on my cell or no message. I called XXXX and they have clear records that the payment was sent, but showing it has not been cashed. I really feel Greentree/Ditech may be deliberately not cashing that payment to save them the agreed {$1000.00} credit. It also appears they may have purchased this loan not realizing about this {$5000.00} credit for on time payments and none of it has been paid. I have never been late on any of my HAMP payments in the four years and Greentree/ Ditech even with offering XXXX records wo n't adjust for this. Not Fare or good customer service and possibly not legal.
06/25/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80126	Web
On XX/XX/XXXX I received a note ( dated XX/XX/XXXX ) from Ditech saying that my payment for XX/XX/XXXX which was due on on XX/XX/XXXX had not been received. On XX/XX/XXXX I received 2 voicemails from a collection agency as well ( however not sure if the 2 are related ). The issue here is that the payment for XX/XX/XXXX was made and debited from my account on XX/XX/XXXX. My regular payment is {$1900.00} and I always add an additional {$1000.00} to the payment just because Ditech is known for their unethical practices, hoping that the {$1000.00} would cover any additional fees that they keep adding from time to time. Ditech appears to have applied this payment of {$2900.00} made on XX/XX/XXXX to additional principal thus making it look like I had defaulted on my payment and giving Ditech a chance to apply a late fee to my account. My credit score is around XXXX, have made all my payments on time and have consistently paid more than what I owe to avoid this very situation.Request you to please help correct this error and more importantly investigate Ditech 's reporting and credit collection practices. Unlike most other businesses it is impossible for consumers to walk away from such shady businesses since these things are forced on us. Given a choice I'm sure none of us would want to do business with Ditech, nor did my mortgage originate with Ditech, this was just forced on me. Attached is a copy of my payment history and all the payments that I have made so far ( this includes that XX/XX/XXXX payment which was accounted incorrectly )
06/14/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PA 15221	Web
Underwent Foreclosure process back in XX/XX/XXXX and got a Loan modification under the Act 91, but due to other debt obligations ended up having to file Bankruptcy. During this course of Bankruptcy recently was discharged and I recently contacted DiTech ( partner with Green Tree Servicing LLC ) to request No Doc Loan Modification ( XX/XX/XXXX ) to enter into a new mortgage agreement and continuing paying in a timely fashion. But after continuing to contact them on a weekly/bi-weekly basis ... no one can provide details on my Loan Mod status ( called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). In the interim, I received Foreclosure papers in the mail that a Civil Compliant - Mortgage Foreclosure was filed by XXXX XXXX, Counsel ( XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ) for Green Tree Servicing XXXX on XX/XX/XXXX ... which had the same exact documents filed from the original XX/XX/XXXX filing. They ignored my intention to undergo a Loan Modification and/or at least file with updated documents from current Loan and payments made ( from XX/XX/XXXX thru XX/XX/XXXX ). Being in a much better position than in XX/XX/XXXX ( financial status and mindset ), and having made payments consistently through the Bankruptcy court system ... you'd think that they would prefer to re-enter into a new agreement, sale the loan and keep it moving ... instead of inducing all extra cost of filing for Foreclosure all over again. I am distraught, and all I am trying to do is regain a foot hold on my mortgage obligation and re-establish
09/01/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	VA 23323	Web	Servicemember
InXX/XX/XXXX my former husband and I contracted with XXXX XXXX to install an inground pool. For which we secured a loan in the amount of {$15000.00} plus through XXXX XXXX which is now Ditech. XX/XX/XXXX we increased the amount of the loan to {$18000.00} plus so we could include a fence. Instead doing a modification on the loan they recorded a second deed of trust without releasing the first. In XXXX when the loan was satisfied they issued a certificate of satisfaction and referenced the loan number and account number of the 2nd deed of trust but referenced the deed book and page number of the original deed of trust. I am trying to refinance my home and my title company XXXX XXXX found these 2 unreleased deeds of trust in a title search. I have been calling Ditech daily and have emailed since XX/XX/XXXX to try to clear this up without any success. Customer service is very rude and the lien release dept has no phone and will not respond to emails. I am not able to close on my refi and am in danger of having my rate lock expire. My title company XXXX XXXX has emailed and faxed all the information over to them to explain what is wrong and what needs to be done to correct this but Ditech still can not understand and to my knowledge has not done anything to rectify this problem. We requested a letter from customer service referencing both account number that these accounts have been paid off and they have intent to release but after a few attempts and still not receiving what we need I feel these deeds of trusts will never be released.
11/06/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 083XX	Web
My husband and I have a 2nd home condo mortgage with Ditech. the mortgage was an ARM mortgage that changed in XXXX XXXX and became 6.625 % fixed mortgage. We were solicited by Ditech to refinance. My husband started discussing this with an agent in XXXX XXXX. Ditech stopped my paper statements in XXXX XXXX. I had the mortgage payment automatically set up with my bank and continued to pay my monthly payment on time to Ditech. I realized that my payment had changed and that I was not getting paper statements in XXXX XXXX. During this time we found out that Ditech stopped applying my payment and instead listed it as " funds in suspense '' Ditech reported our mortgage as being late to the credit monitor companies. On top of this, Ditech said our mortgage was an extra XXXX a mth, and that we were behind XXXX and they charged us a late payment. To this date my husband and I have ; 1 ) We stopped the refinance request because it looks like Ditech wanted to put us in a short sale and to do this they had to show we could n't make our mthly payment. 2 ) Requested to have paper statements sent to us again so we could see how they were applying our money to the mortgage 3 ) We have paid the extra XXXX for 2 of the 4 mths we are behind. the next two will be paid this mouth. 4 ) We paid a late fee of XXXX XXXX ) We paid an escrow shortage of XXXX we were billed for during this time. 6 ) We asked Ditech to take away the report to the credit monitoring companies that show we were late on our mortgage and they would n't do this for us.
06/14/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 95632	Web
Recently I received an escrow analysis that showed a shortage in my escrow account. As I reviewed the document, I noticed during the escrow analysis period that GreenTree Mortgage had included XXXX property tax bills. In California, we pay property taxes XXXX times a year. GreenTree accomplished this by changing the escrow analysis period, paying the tax payment early, and including XXXX months in the escrow analysis period instead of XXXX. I compared it to last year 's analysis period and it was definitely done differently. As a result, they increased my monthly mortgage payment by over {$100.00}. I called them and contested the increase due to the reasons I stated above and the unfairness of their actions. I never received a response. So, I called them again and was told over the phone that they denied my request to leave my house payment the same. Then I requested in writing that my escrow be closed and that I assume responsibility for making my own property tax payments. I included in the letter my reasons and my displeasure over their unfair practice. I just received a denial of that request in writing as well because they indicated that " The principal balance of your account is not less than 80 % of the original value of the property. '' Our house was originally valued at {$500000.00} ; however, we bought it for {$450000.00}. We put a large down payment and we now owe {$310000.00} on the home. That is less than 80 % of the original value. More money in my escrow account means more interest collected by the mortgage company.
06/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77015	Web
I wish to raise an official complaint in respect of the treatment of my mortgage account of Ditech Financial LLC a XXXX XXXX on the basis that our payments are not being recorded correctly. I have enclosed our payment history since XXXX/XXXX/XXXX to reflect that my account is not delinquent. What we were told by Ditech is that the XXXX/XXXX/XXXX payment was applied to the principal instead of our XXXX monthly payment. This made us delinquent for our XXXX payment. The explanation that was given to us was that they switched to a new system and mistake was committed by their system. My wife and I have called Ditech several times for the last 14 days ( XXXX XXXX to XXXX XXXX, XXXX ) to ask them to correct this error. I spoke to XXXX on XXXX XXXX and was told that this error will be fixed soon. We received XXXX letter that our account has been assigned to an account representative with a statement that states " this communication is from a debt collector. '' On XXXX XXXX my wife spoke to an account representative XXXX XXXX who promised my wife that this error will be corrected on XXXX XXXX, XXXX but as I have narrated XXXX XXXX this error has still not been corrected. We are reporting this complaint to protect our credit history since we pay our financial obligations on time and have excellent credit histories and credit scores. Also as my wife was reading reviews about Ditech several have complained to several federal agencies and have suffered delinquent accounts for reporting their complaints. Please assist us in this matter.
04/13/2017	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	VA 22193	Web	Older American
Ditech failed to help me with my loan modification- they called it loss mitigation request. They had me send them all types of information for three months or more, telling me I did not send papers which I know I sent. While going through this, they kept increasing my loan amount. They even stated that I did not pay my escrow account, when I actually had. They over charged me and I had to pay more that month ( By the way, they did the same thing the year prior and I had to wait a month to get my money back. ). On XX/XX/2016 I had to pay {$1400.00}, then XX/XX/XXXX, XX/XX/XXXX I had to pay {$2500.00} and that continued until XX/XX/XXXX where it increased again. While this was occurring my loss mitigation claim was being ignored. On XX/XX/XXXX XXXX XXXX states she would escalate because all documents asked for had been turned in. Nothing happened. I contacted them again and XXXX XXXX told me the same thing. Still nothing. Then when I called I received a recording once I put in my claim number. No one called me back, after I left a message. I then had to refinance with XXXX because I could not afford the $ XXXX+ that my mortgage went up to. When I inquired why it kept increasing, first I was told my residual escrow account was added on. After proving I had paid it in full, I was told it was taxes. Recently, they sent a letter stating I was denied because I did not provide the necessary documentation. This was completely not true. I know of one other person that has gone through this, and she is is a completely different state.
04/29/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AZ 85048	Web
Since Green Tree Servicing, now DiTech, purchased my mortgage loan from XXXX XXXX XXXX in XXXX, I have been struggling with getting them to investigate and stop late payment fees since XXXX. I was not delinquent when my mortgage was purchased, tried to resolve this with their customer service, which has been very frustrating with no resolution and with constant phone calls about delinquency and no ability to make payments online because of the late fees, so I had to mail payments or use Speedpay which cost {$12.00} per payment. Since XXXX XXXX, I have received numerous offers from Ditech to refinance my mortgage loan and have my late fees waived. I have no desire to refinance and I just realized that in XXXX XXXX, DiTech applied by full monthly mortgage payment to late fees, when I requested online that the full payment go to principal, interest and escrow. Now my escrow is out of balance for payments and I did not authorize my monthly mortgage payment to go to late fees, especially since, these late fees have been assessed incorrectly since XXXX based on inaccurate information at that time and Green Tree Servicing would not provide assistance to resolve. This whole situation has been unfair and working with Green Tree Servicing has been a nightmare with my efforts of contacting them to resolve and getting the run around and the calls regarding delinquency when I was n't were very unnerving. I have been patient long enough. The applying of my monthly mortgage payment to late fees without my authorization is unfair and abusive.
08/30/2019	Yes	Mortgage VA mortgage	Trouble during payment process	VA 22191	Web	Servicemember
I have a VA loan with Ditech who has been misapplying the additional money that I have been paying since they took over my mortgage. I did not initially notice it because I was only paying a small additional amount over the monthly payment. However, over the last 5 months I have been paying over {$1000.00} additional to pay down the Principal of the loan and noticed they were holding the additional money in what they call a UF. It would stay there until I called in each month to tell them that each should be automatically applied to the Principal. When they would reallocate the additional money, they are suppose to apply it to the actual date that it was received, not the date I called in to report it. However, they continue to do this. My VA Loan contract in Section 2 states that any additional money over the payment should automatically go to the Principal of the loan unless there are other charges, e.g., late fee. I have never been late. I went through the XXXX to complain and was not satisfied with the response since they still did not abide by my VA Loan contract nor make the corrections. ( I have attached a copy of Ditech 's response to my XXXX complaint ). Additionally, my Certified Public Accountant performed an audit of my account in response to Ditech 's response which I have sent to the XXXX. I understand that the CFPB organization is the one that handles situations with mortgage companies and can investigate reported complaints. I am a XXXX veteran and hope that you can assist in getting this issue resolved.
08/17/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	IN 46236	Web
I filed a complaint through the CFPB on XX/XX/XXXX, because Ditech Financial was mis-stating our actual escrow balance, and misappropriating extra monies paid to the escrow fund rather than to the principal of our loan, as was our intent. We requested Ditech send us a corrected escrow analysis, show the actual amount in this fund, and to also reduce our escrow appropriation amount to $XXXX per month. Ditech did update the analysis. It is now showing what I believe to be a fairly accurate balance amount. However, they are still showing that there is a shortage of $XXXX in this escrow fund, which is simply not true. They still want us to pay more per month, based on this perceived "shortage". Even by their own projection of fund balances, it never runs out of cash, and in fact, gets to $XXXX, which they now say is a shortage of $XXXX They base this on what they call a "minimum escrow balance" needed of $XXXX. I see no reason they need to have nearly $500 of our money, as a minimum escrow amount. I could live with say.. the $XXXX that it currently shows as the minimum it will currently drop to. Why do they need more than that? They do not. Also, I requested in the last complaint that the escrow amount of our mortgage payment get dropped immediately to the correct amount. However, in the current statement (on paper and online), they are still showing that they are going to apply $XXXX for the XX/XX/XXXXmortgage payment, which will once again take away from the extra payment we are trying to pay toward the principal.
09/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10469	Web
XX/XX/18 To : XXXX, XXXX XXXX XXXX XXXX XXXX Ditech LLC mortgage XXXX XXXX XXXX XXXX XXXX XXXX Fr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Account # XXXX or XXXX XXXX : Restoring account and credit I spoke with customer service over the past two year in attempt to rectify my account, however, this matter just seem to get worst. I been paying my mortgage every month however my statement reflect a balance of {$8100.00}, my question is where is my payment going for the past years, this is an ongoing problem, I have spoken to uncountable representatives along with written correspondences over the two years, with each making adjustments to account changing my monthly payment each time however after paying, this new month payment my account was still in teacher rears, my escrow payment is and was misapplied several times causing deficit to my account. Thirdly my account is presently in default, collection, modification ; my question is where is my payment going? Requested statements indicating my payment, made to Ditech however, never sent even with numerous requests. To date my account is still being mishandled causing misallocations of payment, confusion default, collections, bad credit to account. On XX/XX/18 spoke with XXXX, collection department, I requested a payment history, still I have not receive this information. This is not my first mortgage ; unfortunately this has been my worst experience I am calling on you to review, make the necessary adjustments, restore my account and my credit. Thank you
08/10/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	DE 19720	Web
For the past two years, I 've been trying to resolve a payment issue with Green Tree Servicing LLC. Green Tree continues to state that I 'm past due when I made good faith attempts to research the payment in question and made payment arrangements. Green Tree does not acknowledge the fact that payments were received and credited as a result of the payment arrangement. In addition, I was advised to send a specific amount that was past due. A certified letter was sent XXXX XXXX, 2014 and the past due amount of {$840.00} was sent to bring the account to a current status. I thought it was resolved and current based on the information provided only to receive additional letters stating that the account is past due. How is that accurate when a bank representative sent a letter with the amount that was due? I do not want to be held responsible for a banking error or mistake. Green Tree should acknowledge it, be responsible and held accountable. Also, Green Tree felt it was necessary to refer to all the correspondence sent between the XXXX of us and re-read them as they continue to stand by their responses. I noticed that I had a copy of another Customer 's letter in my packet. I have the customer 's name, address, phone, account number, email addresses, and nature of their inquiry. I think this is a private and sensitive matter. The careless act of including another customer 's correspondence is a serious matter that requires immediate attention as I continue to question Green Tree 's data integrity and commitment to quality service.
06/03/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34234	Web
After refinancing my home in XXXX XXXX with a different lender, I had a escrow surplus with my old lender Ditech. On XXXX XXXX XXXX I was e-mailed by them informing me that I have a surplus due me in the amount of XXXX for which to this date I have not received. For nearly 3 months I have spoken with 6 c ustomer reps and 4 managers to no avail. XXXX XXXX XXXX they informed me that they sent the check to the wrong addres s, 2 weeks later it was in the mail being reissued , 2 more weeks have passed with no check, this time I was told to give it time. This went on with me talking to managers XXXX , XXXX , XXXX or XXXX and last but not least a supervisor name XXXX who uttered the words " what is it that you want me to do '' ; " remit XXXX to me '' I said. still no check. On XXXX XXXX XXXX I spoke to a rep name XXXX . This XXXX informed me that her manager named, XXXX instructed her to obtain my checking account information so that this amount can be deposited into my account, this was my routing and account number, now here is the scariest and nervous moment thru all they 've put me through I still have n't seen no deposit into my account. This gives me sleepless nights, in addition to nearly 3 months of this horrible experience my checking info is somewhere floating around. Ditech whom I thought was a stellar performer when it came to customer service turns out to be all but that. It seems on e hand has no clue on what the other one is doi ng. STILL NO CHECK.
12/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 434XX	Web
I bought a manufactured home in XX/XX/2001 Brand new put on property I was buying. I signed a loan agreement with XXXX which was taken over by Ditech. I 've called to have them refinance my loan due to the over 9 % interest rate I 'm paying back when my credit was in a lower score.. Now my credit is over XXXX but they refuse to refinance to lower my interest rate. I have fell behind on payments and even had them defer payments due to injuries that caused me to be off work and rely on workmans comp payments which is barely enough to survive on. my payments are over {$900.00} a month for a loan I took out with Green Tree. I sat down one day with my significant other only to realize I have paid over XXXX} XXXX on the loan of XXXX XXXX and only paid XXXX XXXX towards the home and the property it sits on. I still owe over XXXX XXXX on this place I call home which I am struggling to afford as it needs regular maintenance that I am unable to due due to the amount paid towards the home itself. We looked at this years payments and most of the money they received from me for the payments, was put towards interest of over XXXX XXXX for 1 year .. Only a little over {$900.00} has been put towards the home itself and the rest is interest in there pocket. What happen to the OBAMA, MAKE A HOME AFFORDABLE PLAN cause for sure this company is profiting millions off of home buyers like me.. I now have my almost XXXX mother living with me due to needing someone to care for her and paying for her own well-being to keep her XXXX and not a XXXX.
05/13/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TN 37214	Web
My name is XXXX XXXX I had a bankruptcy discharge all of my debt XXXX XXXX XXXX including a mortgage that I had initially took out with XXXX subsequent to that the loan was given to XXXX XXXX XXXX then ultimately to Greent Tree. Green tree contacted me inXXXX of XXXX asking if I wanted a loan modification they assured me that the had no intention of reporting any late payments to the credit bureaus because it was discharged, further ore I told them I would consider a loan modification subject to them sending me a letter stating such. They furthermore assured me that if I went thru the trial process and was approved upon me completing the trial period a new loan would be issued and any activity done as a result WOULD. Be reported to the credit bureaus. They even went as far as to say that since my modification was post bankruptcy there would be a new term date and it would be treated like a new loan. I just checked my credit report and there is no reporting of on time payments as promised, the new loan has a start date of XXXX XXXX XXXX final payoff XXXX XXXX XXXX. I contacted green tree this morning and was informed that this was not the case. They are refusing to stand behind their word that due to my bankruptcy being fully discharged the loan was considered new subsequently every payment I have made on my home is now NOT BEING REPORTED. They assured me by XXXX XXXX XXXX all my payments post XXXX XXXX XXXX would be reported to the credit agencies. Please assist me in making this bank do as they agree. Thank you XXXX XXXX
06/12/2017	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NY 146XX	Web
The company alleges that a deferred payment arrangement initiated by me the debtor has resulted in a Deferred Balance of {$580.00} ; in addition to the remaining Principal and Interest on this account. According to the original agreement, the terms of the loan were as follows : Finance charge : {$26000.00} ; Amt. Financed {$15000.00} ; Total of Payments {$41000.00} ; Number of Payments 240 ; Amount of Payments {$170.00}. The company alleges that I verbally requested this deferral on three different occasions ; once in XXXX , once in XXXX and once again in XXXX . These payments commenced on XX/XX/XXXX and were sent to the debt collector via wire transfer by XXXX XXXX XXXX XXXX XXXX located in XXXX , New York. Accordingly, no payments were ever missed ; nor were there ever any requests made by me for a deferred payment arrangement either verbally or otherwise. I have asked the company on several occasions to provide me with any documentation or any proof they obtained from me that would confirm that I asked for any type of deferred payment arrangement. I was told today ( XX/XX/XXXX ) that all that was required to obtain such a deferment was a verbal request by me. I am denying that I requested any such arrangement. I also am requesting that Ditech adjust their billing to reflect the appropriate balance to coincide with the agreed upon payoff date of XX/XX/XXXX . Any assistance you can provide would be greatly appreciated. Thank you in advance, XXXX XXXX XXXX XXXX
03/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94806	Web
I spoke to XXXX of green tree representatives on XXXX XXXX XXXX, 2014 about the annual escrow acct disclosure statement in reference to the PMI on my loan I recieved. According to my original documents with XXXX my PMI should be {$120.00}. However the loan was sold to Green tree. About XXXX months ago I noticed that Green tree is deducting out my escrow acct {$220.00} which i never agree to pay to Green tree, I have the supporting documents of what i signed in referance to this loan and the terms of the PMI. I would like this to be taken care of as soon as possible, as it stresses me out to think that Green tree is XXXX me off. I have asked and i expect a refund for all this time that i have been paying the wrong amount. I called Green tree a handful of times about this issue i have also fax them a letter showing my supporting documents and dont believe that now after more than 60 days of calling, and writing to them and this has still not been taken care of. It is Now XXXX XXXX which is more than enough time since this was brought their attention! This is XXXX more attemp to try and get a honest and fair response. I dont believe green tree is handleing this in a professional manner and I am very disappointed at not getting any responce at all about this matter. In all honesty it is looking to me that green tree has made a mistake here and is not ready to fix it and compensate me because if its was something i did owe on PMI they would have brought proof to me quickly. I would appriciate any kind of attempt to fix this
11/10/2016	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 124XX	Web
I need my payment recast after making a large principal payment in XX/XX/XXXX. I called Ditech before making the payment and was told it would be done " automatically ''. It was not, so I called again in late XX/XX/XXXX, and despite a 30 day turnaround requirement for XXXX, I got no reply until I was sent a modfication document in XX/XX/XXXX ( received AFTER the deadline to return it ). In the meantime I have been making the full invoiced payments, but Ditech has put my " funds in suspense '' and I have received weekly harassing phone calls for payment. I finally spoke to a woman who promised to correct the documents ( not accurate, because " they ca n't change the XXXX form '' to use the correct dates ) and I demanded an accounting of how my last three payments have been applied. I am still waiting for that. This is 4 months since the initial principal payment, and they took 2 months to reply after I made an " official '' request for a recalculation. This still has not been done properly -- and in the meantime I have been making my full invoiced payments and have been harassed with collection phone calls about non-payment for funds -- that have been paid and put in " funds in suspense '' by Ditech themselves. I would like to have the recalculation done properly ( with a backup of their calculations ) and a guarantee that all my recent overpayments are applied to principal ; to make sure their math is correct and that they I receive some compensation for their violations of law and abysmal and abusive treatment of me.
06/25/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	KY 40342	Web
I recently checked my credit report & found that the XXXX motgage on my house was listed as closed. I spoke with the credit bureau, XXXX, & the representative pledged to work on it. I then called Green Tree, the mortgage company. They gave me very vague information as to why this mix-up has happened & the status of my loan. Basically, I was told that since I had a Chapter XXXX bankrupcy XXXX years ago, even though I did not include this mortgage in it, that XXXX XXXX XXXX, the company that held my mortgage at the time, failed to get a " letter of affirmation '' that this mortagage would be excluded. This, they said, should 've been done while the bankrupcy was still open. I was also told that if I paid-off the mortgage, I would n't get the deed to my house because of this & also I would not be able to sell the house. I have made timely monthly payments to Green Tree for the XXXX years since my bankrupcy, but they say they wo n't report this to the credit bureaus until I reopen my bankrupcy filing & they can get that letter of reaffirmation. Even then, they wo n't report my timely payments for those XXXX years, but just from the date that letter is received. Since they acknowledged it was a mistake by my mortgage holder, it seems unfair that I should bear the burden of reconnecting with my bankrupcy lawyer ( who is XXXX miles away & very bad about calling back & following-up, by the way ), spend XXXX of dollars to reopen the bankrupcy, & suffer having other debt problems simply because of that reopening. Please help.
03/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KS 66048	Web	Older American
we have a mortgage with '' green tree mortgage co '' we pay by bank draft and never misseda payment on our property located a XXXX XXXX XXXX, XXXX Ks XXXX we have never requested any legal service from them. They added over {$3000.00} on to our mortgagefor legal fees. They called it a " Corporate Advance balance '' the sum of {$3000.00}. Our rental property was seized on the XXXX of XXXX 2014 by the XXXX XXXX 's Department. We hired our own Attorney and fought the DA and XXXX and we went to court and the presiding Judge was Chief XXXX XXXX XXXX XXXX XXXX. We won the case and was completely exonerated of the charges. The claimantwas " the XXXX of Kansas '' and the defendant was our rental property. Green treemortgage is located in XXXX XXXX SD, XXXX XXXX XXXX, XXXX. Our Account # XXXX. Phone # XXXX .We believe this financial action against us is completely unjustified as wenever requested any legal services from this mortgage co and we were never notified or advised why we are being charged for these attorney fee 's. I am XXXX years old and aXXXX XXXX veteran XXXX and served in the military22 years. My wife is XXXX years old and we never had any problems with law enforcement. The property was seized for alleged criminal activity. We would appreciated it very muchif you could help us with this problem, as we have already spent most of our savingsfor attorney fee 's not to mention the stress that they have caused us. What is toprevent the mortgage Co from charging as any more fee 's. XXXX & XXXX XXXX XXXX XXXX, Ks XXXX
11/27/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91504	Web	Older American
Since I travel a lot my bills including the mortgage payment to DiTech are on an automatic payment plan through the XXXX XXXX XXXX. As. A result I have never missed a mortgage payment. DiTech sold my loan to XXXX XXXX. Before I changed the payee to XXXX XXXX the XXXX payment was made to Ditect. Loan care has never received that payment and now consider that loan payment past due. I have contacted DiTech 4 times about this situation and XXXX XXXX three times. Both companies have been provided copies of bank statement showing there has been no missed payments. XXXX XXXX has told me They have no way to resolve this issue and I must deal only with DiTech. DiTech first told me to send the information to their customer service email address which I did. When I did not get a response I called back and the next representative said that email address is has not been checked in over a year and I would be sent a link to send the information to. That link never arrived. I called back again. This time I was given an address to send the information to. My certified letter got a response that I would have a Written response within 30 days. Their response was they are still looking into it. As I am writing this I have waited 31 minutes for a supervisor. I again was directed to customer service. Loan care has given me until XXXX for full payment. After that date the account will be considered delinquent charging me interest and affecting my credit. I have notes and documents on every attempt I have made to correct this situation
08/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OR 974XX	Web
After my wife developed health problems disabling her, and I was asked to resign my employment due to the closure of the branch I was to work at, we began to get behind in our payments. My wife was diagnosed with XXXX XXXX and the work I found was only temporary and was not enough to feed us, pay utilities, and the mortgage. At the same time my mother in-law needed some help copping with the loss of her husband and her XXXX daughter. We made the decision to put the house up for sale and return to New Jersey. We had hoped to sell the house and avoid a foreclosure. Unfortunately we selected and ineffective realtor and signed a contract. We are now more the a year behind in payments. The mortgage company put a notice of foreclosure on the property and re-keyed the back door, ( this was in violation of our state law ) they had not received the documents to take this action at the time. The mortgage company has also informed the credit agencies that we are in foreclosure and we have never received documentation to this day that they are formally foreclosing on us. We consider this harassment because at our foreclosure avoidance hearing we specifically informed the parties that we are trying to avoid a foreclosure on our record and not one representative said that it was already appearing on our record, or would appear with out us receiving documentation. In fact we believed that if we do a deed in lieu we will avoid a foreclosure. We made it very clear that was our plan and we were not informed that it was n't an option.
04/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 704XX	Web
We started out with XXXX in 2007. They suddenly started increasing our payment until we went from paying {$1300.00} a month to {$2000.00} a month. No one could give us an explanation for the increase. We applied for a modification to try to deal with the situation. Not long after, they sold the loan to XXXX XXXX XXXX. Due to the increased payments, we ended up having to file XXXX XXXX. It took our bankruptcy XXXX and an aggravated bankruptcy judge nearly five years to get a modification approved. The month after we finalized the modification they sold the loan to Greentree. We continued to pay the note, using the account number for Greentree that XXXX had sent us. The first correspondance we received from Greentree was in XXXX and it included no payment amount and said " this is not a bill ''. The next letter we got stated that we were over a year behind on payments. Three weeks later, after sending over dozens of faxes and making hours of calls, they tell me I have to fax over a formal dispute. I 've been on the phone for three weeks, talking proof of payment, the modification terms, etc and just now they need me to fax a piece of paper saying I think they screwed up. They just approved the loan for foreclosure, despite the account status being obviously in question. XXXX of the managers, XXXX, flat out told me that something must have been filed wrong. Even if I had been a year behind, the modification would have brought me current. I might actually lose my house even though I am not even a day late on payments.
08/08/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	CT 06516	Web	Servicemember
I originated this loan with Green Tree XXXX in XXXX with my first payment XX/XX/XXXX. Its governance has since moved to Ditech XXXX. I wonder if this was a bad loan at the time with, perhaps, fraudulent intent. We have been paying off the {$52000.00} loan for 13 years now and have only paid it off to {$42000.00} which is {$10000.00}. This hardly seems correct. I have asked DiTech if we can lower our interest rate, but they say they do not have any programs to do so. My husband has incurable XXXX ( XXXX XXXX ) from his time stationed in the XXXX at XXXX XXXX, so there must be a program to help pay this off faster than it is going now. It does not make sense that we will end up paying double the amount we applied for. I am always wary of paying more on my monthly bill with the practices I see at DiTech. I don't trust they will apply the funds correctly to our benefit. I've attached the most recent payment history and looked at the payoff quote compared to last year 's payoff quote. XX/XX/XXXX payoff is {$43000.00} XX/XX/XXXX payoff is XXXX Again, how is this possible? As I said, I am not sure what is wrong, but after hearing how GreenTree and DiTech have been accused of fraudulent loan practices, I would like to find out how to discharge this loan by applying the payments we have already paid and canceling this loan legally. Again, I do not want to enter into bankruptcy, but somehow institute new rules in order to get this loan paid. Thank you in advance. Files are attached. Best, XXXX XXXX XXXX XXXX XXXX
11/09/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	WA XXXXX	Web
Long story short. I was in a substantial XXXX XXXX XX/XX/XXXX. We were XXXX XXXX XXXX XXXX XXXX. I have a XXXX XXXX XXXX XXXX XXXX. I was out of work for several months. I have some savings left and made Ditech a settlement offer for approximately {$10000.00} less than what i owed. They treated it like a Short Sale and buried me in paper work, kept telling me I did n't send them my signed XX/XX/XXXX tax return. I sent it 3 times. They told me they never received it. After months of going back and forth, they denied to have the underwriter look at it. I dealt with numerous employees at Ditech none were cooperative or helpful. XXXX XXXX their Manager told me he had sent the papers in at one point. Lies, Delays and denial. I told them all this was not a Short Sale it was a settlement offer. I 've been in this home 22 years. I never missed a payment. I just wanted the debt off my back while I 'm healing. Recently I cancelled my escow, They sent me a letter telling me I needed to pay my taxes so I did. They sent the taxes as well. Now I have {$3100.00} tied up in their escrow trap and they are delaying sending the check. They said they wired it to The XXXX XXXX XXXX. The treasurer told me they never got it and that they would not get involved. I am so sick of this company and their customer service. I do n't need the extra stress in my life after my accident. Can you please help? I have since paid off my mortgage, but I ca n't get anyone to help me get my escrow money back. Thanks XXXX XXXX XXXX Ditech customer # XXXX
01/20/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34741	Web
On XXXX XXXX, 2015 I made an offer on a repossessed property that was being sold by the US Bank. Although my initial offer expired on XXXX XXXX, 2015, I was not presented with the 'Counter Offer Addendum ' until XXXX XXXX, 2015, calling into doubt the validity of this even being a 'Counter Offer ' or an 'Addendum '. Furthermore, in accordance with paragraph XXXX of the initial offer, there was no basis to maintain any contract with this so-called 'Counter Offer Addendum ' since the offer had thus already been deemed withdrawn. At the time I made the offer I had no knowledge of the seller-skewed, 'Counter Offer Addendum ' that was to follow. This document stated all of the foreboding liabilities that rightfully should have been presented from the start. Since the 'Counter Offer Addendum ' arrived late in the week and the Bank wanted the deposit wired by Friday, I had virtually no time to scrutinize the document or voice any concerns. The US Bank got my deposit anyway and then considered me under contract. However as the closing neared, my demands at work delayed the closing by two days. Due to the lack of incentive that US Bank has to deal with people, the bank gave away my property to another buyer, keeping my escrow without notifying me of its intentions. Even though I was the higher bidder, the bank 's apparent goal was to clear its books then write off the difference either way. Now, I have no property and am {$1000.00} poorer, while US Bank continues to do its business on people without any conscience.
04/12/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	LA 70458	Web
I had a condo in XXXX XXXX, MS. That was destroyed during XXXX XXXX in XXXX. Greentree Mortgage was my mortgage lender. I only have a slab left from the condo. I paid my mortgage for many years after the destruction. I tried to work with them to decrease my payment or extend my loan. They would do neither. I got a call from them that they were going to charge me an exorbitant amount of money for their " full coverage '' insurance to protect their " investment '' from fire, etc. I told the representative, that it was a slab, nothing was left, that a fire would only improve the property. I went through all the representatives and supervisors. They threatened to foreclose on the property. This went on for several months, with calling at all hours of the day and night, threatening, etc. Finally, I spoke with them and the company would not modify the loan and said they would foreclose. I gave them my contact information and they said they would start foreclosure proceedings. Move forward to XXXX, and I find out that I still own the property and they never foreclosed. I went to the XXXX mortgage office and my original mortgage it still there. Now they have " Reorganized '' and have this lawsuit against them. I found out that they Charged off my account, but never foreclosed, now the property is in limbo. Who has my mortgage now? Ridiculous company, charged me tons of fee 's from everything from paying your bill on their system to all these charges, Who can even tell what the real mortgage amount is with this company?
08/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75243	Web
We took out a loan with XXXX and it was sold to GreenTree Servicing last summer. While dealing with XXXX, we never had any problem with our monthly loan payments being received and credited correctly to our XXXX accounts we had with them. When GreenTree took the XXXX loans over beginning XXXX XXXX, 2014 we began to have problems. XXXX of the XXXX checks sent in XXXX envelope for the XXXX payment was lost ( the other XXXX was cashed ), and numerous times both payment were posted to XXXX loan even though each check had the correct loan number written on it. We have sent in payments each month for the correct amount, but they are saying that we owe them approximately {$1200.00} on each account. We have repeatedly talked with their servicing agents, but they continue to say we owe these large amounts. We have even received information from them recently regarding loan defaults. We have been unable to get this straightened out with them and very much need some XXXX party help. The original PITI on each loan was approximately {$480.00}. My calculations for PITI monthly is {$460.00}. Their current billing is for about {$610.00}. My number is based on actual principal, interest, taxes and insurance. Their agents call us frequently wanting additional payments at odd amounts. We would like very much to talk with someone from the CFPB to help us get this straightened out. We can supply an actual payment history ( from our bank account ), as GreenTree 's numbers bear no resemblance to the actual payment schedule.
05/09/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NY XXXXX	Web
I submitted a complaint # XXXX regarding an error on my title. I recently applied for a home equity loan and during a title search found an error from a previous lender. I refinanced a first mortgage and home equity line of credit with XXXX in XX/XX/XXXX. Both the first mortgage and home equity ( +closing costs ) were consolidated into one mortgage loan at this time. In XX/XX/XXXX, three years later, XXXX submitted a lien for the mortgage and another lien for the additional money extended to me to satisfy the old HELOC and closing costs. There must have been some confusion, my complaint did not refer to my current HELOC that now belongs to XXXX. This loan was recorded correctly and is current. My complaint is with the new mortgage dated XX/XX/XXXX described in the Consolidation, Extension and Modification Agreement. XXXX not only recorded the new HELOC, they recorded the refinanced mortgage and {$11000.00}, the portion of the new mortgage as a separate lien. I am disputing the recording of {$11000.00} lien, it is not valid. It was consolidated into a new mortgage {$120000.00}. This loan now belongs to Ditech and they have not been helpful in aiding me to remove the error. I am looking for a letter that states that the {$11000.00} was recorded in error to submit to the XXXX County Clerk 's office to have the lien removed. If you refer to the response from the previous complaint I submitted, this same conclusion was made. I am submitting the Clerk 's recording page dated XX/XX/XXXX to prove this lien exists.
12/23/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA XXXXX	Web
I called to request a loan modification and was told by an agent that I did not qualify for a loan modification, and in order to do so I would have to stop making payments in order to qualify for a short sale or a deed-in-lieu. I began completing paperwork to begin the short-sale process. While doing so, I stopped making payments, as advised. I listed my house for sale with a real estate agent, and have since gone under contract for {$100000.00} which is roughly {$7000.00} over the payoff amount of the mortgage. Whenever I forward the information to Ditech, they tell me one of the following, in various orders : ( a ) they have not received it ( b ) its not complete ( c ) its the incorrect form ( d ) its nothing that they can do ( e ) they are not going to do anything to change the foreclosure date I have never been able to complete the paperwork, according to ditech even though I am constantly following up with them. Ditech 's representatives make it entirely too difficult to complete the paperwork, as most of it is not available to be done via a webapp and it 's hard to verify or confirm whether or not they have truly received my paperwork via fax and/or email. I have even heard that my emails are too hard to read so they have thrown them out. My real estate agent and I have both pleaded with the company telling them that we have offers far above the payoff amount of the loan. It seems that the mortgage company is more interested in foreclosing on my home than they are with actually helping me to sell it.
11/11/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MO 63118	Web
My mortgage servicer is Ditech Financial LLC, and this is a complaint against them. I filed for XXXX bankruptcy approximately XXXX years ago and the bankruptcy was successfully XXXX in XX/XX/2015. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX XXXX XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than XXXX year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. As of today, my request has been elevated to Ditech XXXX TIMES ( over the period of a few months ) and they have yet to respond and recode my account. I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.
05/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 244XX	Web
My mortgage loan originated with XXXX XXXX, but was sold to Green Tree. Green Tree since has merged with Ditech due to a class action lawsuit. On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Ditech Financial ( Previously Green Tree ). My check was cashed and cleared out of my account by XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a call from Ditech 's collection department requesting a payment for an unpaid balance. After explaining to the women on the phone for a long time that my check had cleared the account from their servicing department, she was still harassing me for a payment. I was able to provide proof and speak with a team leader named XXXX who found my payment and made the adjustment. My payment was mailed very early, and was cashed by XX/XX/XXXX. Still after finding my check and acknowledging their error, my account as of XXXX XXXX, 2016 has yet to be fixed. They have never applied my payment of {$1500.00} to my account, and removed the late fee that should be gone. All of this is an error in their system, and I was harassed by their company to make a payment that had already been cashed in their system. Nearly 1 month after my payment was debited out of my account they still have not remedied the situation. I am very concerned about the future payments. I can also say customer service when I call is very poor. I get put on hold without notice. People transfer me without notice and do not notify the person who I was transferred to why, and most importantly no one has fixed the issue.
09/29/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 338XX	Web	Older American
Greentree has falsified documentation as to my home affordable loan. I have record that show how many times I applied starting in XXXX. XXXX XXXX was my reprehensive that harassed ma and lied about paper work. I have a folder of everything. I have a copy of a letter I wrote to hem on XX/XX/XXXX about all these issues..Greentree states that I denied help for a modification. It took many frustrated days until I finally got a mediator XXXX XXXX XX/XX/XXXX. Because it didn't matter all the faxing, talking was getting me nowhere. I have documentation to show all. When XXXX XXXX summited everything I sent to them, they had not choice but finally get the program I needed and had applied for. There facts are lies. And Ditech is doing the same dishonest things. Telling me after the hurricane that they were here to help. I took advantage of that and in XXXX the were threating me foreclose for {$3500.00} and added {$630.00} for interest ... I started to pay and extra {$500.00} a month but they came after me ... I sent them 3 Hurricane checks. In XXXX and the first of XXXX. Its now XXXX And they have held my money and lost one of the checks. The told me I must have sent it to another address. NOT. I called my insurance company and the told me the checks were deposited to the bank on XXXX XXXX Greentree and Diteck are sister companies and Diteck took over Greentree. Told to me by one of the employees a week ago. This is not a company that can be trusted. I have lived in this home for 40 years and I plan to keep it ....
08/13/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33126	Web
My name is XXXX XXXX XXXX an underwriter for the XXXX XXXX XXXX XXXX XXXX, on behalf of our Client XXXX XXXX on his foreclosure case and in addition helping him to obtain a Tier 2 modification of mortgage since XX/XX/XXXX. We had provided a total of five complete loss mitigation packages to this terrible servicer. The first package was fax on XX/XX/XXXX, second XX/XX/XXXX, third, XX/XX/XXXX, fourth, XX/XX/XXXX and Fifth XX/XX/XXXX. Ditech listed as one of the most deceitful servicer in the Country not once has send a correspondence to this office. On XX/XX/XXXX I called Ditech and talked to a Customer Relations Manager XXXX Id # XXXX, hope he exits and he advised me that nothing has been look in these two years by Ditech. As a ex-underwriter for XXXX, I told XXXX that Ditech had violated RESPA 1024.41, since I presented this file before XX/XX/XXXX, they had violated this law. He advised me that a letter went out to the customer on XX/XX/XXXX informing XXXX XXXX he did not qualified for any loss mitigation option. My answer to XXXX was you generate those letter anytime you want and send them to the customers, without reviewing any files been sent for loss mitigation review, but your institution to bill the Treasury. XXXX XXXX who confirm also he had worked in the pass for XXXX, agreed with my statements. Servicer do generate letters at any time to cover themselves, they brake the law all the time, they lie, and they mislead the government and Americans. This is a XXXX XXXX Loan they should do better than this.
12/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 851XX	Web
I received a notice from XXXX XXXX stating that my taxes were delinquent on parcel # XXXX. Ditech Financial is financing this property ( Loan # XXXX ) and receiving an escrow payment from me to pay taxes and insurance. Ditech did not pay the taxes and after contacting the tax department they said that the account was not set up correctly and they would pay the late fee. I informed them that there would also be penalties and additional interest if not paid by XXXX/XXXX/2016. They said they would pay the interest and penalties within 3 weeks, and to check back after that. I checked back after the specified 3 weeks, on XXXX/XXXX/2016. I was told that it had not been paid yet but that it would be paid on XXXX/XXXX/2016 and to call back on XXXX/XXXX/2016. I called back on XXXX in the morning and was told that they could n't have paid it by XXXX. They could not tell me when it would be paid. I asked who I could speak to that would be able to answer my request. He told me he could transfer me to the supervisor. The phone he forwarded me to went immediately to voice mail, so I left a message. I also sent an email to a general Ditech customer service location. I did n't really want to file a complaint, so in desperation I attempted to call Ditech tax department to receive some sort of answer to my query. She could not give me even an approximate date of when the taxes might be paid. It is now the evening of XXXX and no one has contacted me so I am left to hoping that I might receive some response through this venue.
12/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 90806	Web
My Ditech payment has always been {$1500.00} each month. My interest rate adjusted and my payment increased to {$1700.00} starting XX/XX/XXXX. When I made my XX/XX/XXXX payment, it was in the amount of {$1500.00} instead of the new amount of {$1700.00}. As a result, when my XX/XX/XXXX statement arrived it stated that I had not made a payment and therefore was late 30 days. My XX/XX/XXXX statement from Ditech shows that I made a payment in the amount of {$1500.00} on XX/XX/XXXX ; however they stated that because it was short {$130.00} they would not apply it to anything and held it in a suspense account. I feel that as a consumer, it was not my intention to defraud or intentionally not make my payment to Ditech, I was just not aware of the payment amount increase. On XX/XX/XXXX I paid the difference and the XX/XX/XXXX payment in full. YET, Ditech proceeded to report me to the three credit bureaus that I was 30 days late. This implies that I did n't make any payment to Ditech ; which is not true. I made a payment in good faith not knowing it was the wrong amount. Had I overpaid they would have been happy to take my money, but making a payment just short of the new amount due is not me intending to not pay Ditech my debt obligation. This is unfair and deceptive ; a clear example of these financial institutions taking advantage of the little guys! I have written to the credit bureaus and Ditech ; yet they are holding their ground and are adamant on not removing the 30 day late reporting to the credit bureaus.
12/08/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80207	Web
We received our annual escrow account statement dated XX/XX/XXXX from Ditech. It showed a {$930.00} surplus. It said we would receive our check as long as the account was current. We called after 30 days, told it was " under review '' and to call back in another 30 days and we were told the same thing. We were told that we were " contractually current '' and just waiting for them to disburse the check. Now, today, they said the escrow department had put a note on our account saying " a bankruptcy credit '' had caused the surplus to be reported erroneously and that as of now there is a {$1400.00} negative balance in our escrow account. When I asked XXXX, a supervisor, why we had n't been notified about this occurrence, he could n't give me an answer. We had reduced our insurance premium and coverage with our homeowner 's insurance at the beginning of the year and that reduced our payment and the insurance in the escrow account. When I asked XXXX, supervisor, employee # XXXX, about this, again he could not give me a definitive response. We talked to XXXX, empl # XXXX, on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX, empl # XXXX on XX/XX/XXXX and XXXX, a supervisor, on XX/XX/XXXX as well as XXXX, a supervisor, empl # XXXX, today, XX/XX/XXXX. At minimum, if there is no surplus check due us, I will need an updated letter of explanation as to what this " bankruptcy credit '' is and how that affected our escrow balances for my bankruptcy lawyer. I think Ditech engages in deceptive, predatory practices.
12/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 530XX	Web
Our loan was purchased by Greentree Financial then Ditech bought them. Ditech issued a check XXXX/XXXX/15 in the amount of {$11000.00} for our property taxes. I called XXXX/XXXX/15 to ask about the check as our tax amount was {$6500.00}. When I spoke to the property tax department I was told that my escrow was now short because of the tax check. I asked that they cancel the check and reissue a new check in the correct amount. I was then told the check amount was correct and that I was delinquent in my taxes. Which is not the truth, considering I just purchased my home in XXXX and they just bought the loan. After an hour on the phone they agreed to do just as I asked. The following Monday XXXX/XXXX/15 I called because the check never came. After another hour on the phone I was told the check would be cancelled and the correct XXXX issued. I was assured that they would take care of it and call me XXXX/XXXX/15 with the tracking number to overnight the check to the tax authorities. On XXXX/XXXX/15 I called and was told the check was sent and that they will be correcting the escrow account because. XXXX/XXXX/15 I called the check still has not been sent. I have been dealing with a Supervisor and then asked that a manager call me back. They assured me the check would be sent XXXX/XXXX/15. As of this morning XXXX/XXXX/15, the check has not been sent. Most people do not have the money to pay another {$6500.00} to get their taxes paid. This is a financial burden on my family and it is due to Ditech 's incompetency.
09/01/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NM 87144	Web
We attempted to set up a payment modification " trial period '' with our Mortgage Co, Ditech. We agreed to pay a set amount by the XXXX of XXXX, XXXX and XXXX of 2018. We paid XXXX 's payment early from our savings account with no problem. We paid through a savings account that we have had for years and had no problem in XXXX. When XXXX and XXXX came along I made arrangements for the payment to come out of my savings account again and in plenty of time. In XXXX I received a letter that Ditech was unable to take our payments out of our " checking account. '' I immediately called Ditech and attempted to correct the problem. They stated that I told them that they needed to take the money out of my checking account. I asked them to please go back and check the recordings of my calls. I waited for a week for the company to get back to me, they did not. I called them one week later and asked what they found out from the recordings. They stated that when they asked if it was checking account I did not correct them, therefore the problem was mine and the modification trial was a fail. We did receive a letter of default on XX/XX/2018. I asked them how to appeal. On XX/XX/2018 we filed a formal appeal letter. We made absolutely no changes to our savings account, and this was the same account that the company had been taking payments from for close to two years. We do not understand how all of the sudden during our " trial '' period we had 2 payment problems that we had not had during the 2 prior years of payments.
11/18/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33174	Web
On XXXX XXXX, 2017 my home was impacted by Hurricane XXXX and the days following the hurricane I had a loss of income because of no work and I had spent a substantial amount of money preparing for the hurricane. I had exhausted all my money because of the hurricane and just needed some time to recover financially from the disaster. The week after the hurricane I contacted my mortgage servicer to receive a temporary mortgage forbearance. I made calls to my mortgage servicer continuously and my request was denied because according to their record I had an open bankruptcy case, which is not accurate because I had already received a discharge several months prior to the hurricane. I had my lawyer contact my mortgage servicer to speak with the servicers legal counsel and after several repeated attempts in contacting the mortgage servicer my lawyer was not successful in reaching the correct person or department, every call was routed then re-routed back and forth and nothing was done ... Then I personally continued to contact my servicer and my request were denied. The owner/investor of the subject mortgage is XXXX XXXX. I contacted XXXX XXXX and according to XXXX I was supposed to receive the forbearance. I have exhausted all my options in trying and do not know how to proceed. My home was in FEMA 's presidentially declared disaster area, specifically XXXX and my mortgage servicer has not cooperated with any type of assistance. I am in fear of the increased fees for non-payment and being foreclosed on.
01/18/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	TX 77072	Web	Servicemember
Opened a HELOC with Ditech in 2007- set payment {$200.00}. Somewhere down the line it ended up with XXXX which was fine, then sold off to Greentree which was a constant problem so I started paying $ 1000-2000 a month just to get it over with but they refused to accept any more payments once I got 12 months ahead of the curve. Say what? You don't want my money? Anyways, Greentree apparently changed the terms of the loan and now I have an escrow account. Two years later I realized it wasn't going away because I was paying homeowners insurance and property taxes twice which ripped me off for over {$6000.00} cuz I wasn't looking. This is when I heard of Greentree / XXXX XXXX Class Action Lawsuit and suddenly I'm back with Ditech ( but with altered terms- escrow ). For the last 3 years I have tried to get Ditech to remove the escrow requirements since they are not my primary mortgage lender. Ditech finally did after some " legal intervention '' but now charge me a {$6.00} monthly " servicing '' fee and every year they force place insurance policies on my account and the phone calls start all over again. Hello year # 4. A simple XXXX search revealed a lot I did not know regarding how XXXX suddenly disappeared during the Class Action and is now Ditech. Thus why I join the ranks of the growing dis-contentment in a public forum. I just want my original terms which I have in writing from 2007 honored and stop all the shenanigans to score a few extra $ $ $ from people who thought they could trust a contract. -XXXX
07/06/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29150	Web	Older American
My name is XXXX XXXX XXXX, I am writing because of a continual problem regarding a mortgage loan with Ditech Financial, LLC. I am desperately in need of a resolution as I have done everything requested of me by Ditech in order to be approved for a Deed in Lieu. It has been over a year, that I have been trying to avoid foreclosure and return the property to Ditech Financial, LLC. XXXX representatives have been very rude, demeaning, and completely disrespectful 95 % of the time I have spoken with them. Calls have stated they are being recorded, so I know there is proof. In XX/XX/XXXX I was deemed XXXX due to a work injury while working in the XXXX XXXX XXXX XXXX. Though struggling while depleting my savings, I remained in good standing with my payments until XX/XX/XXXX. During this time I have made numerous efforts to try and resolve this ; short sale, rent the home, have a married couple take over the payments, and to no avail Ditech has drawn this matter out without good reason. They have offered a modification, but that was what caused the problem only to worsen the current payments. I am in no condition to keep or maintain this property. I have vacated the premises as of XX/XX/XXXX as I could not even afford the household bills. I can be reached at XXXX by phone or by email XXXXXXXXXXXX. Since I am not at a stable location at the moment, you can also mail correspondence to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. Thanking you in advance for your immediate attention and assistance with this matter.
05/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33321	Web
I have been paying my mortgage twice a month by automatic debits with no issues, on XXXX/XXXX/16 {$2400.00} was debited, {$1000.00} more than should have been deducted, I spoke to a representative assigned to my account XXXX, XXXX at XXXX explained the incident and he said it was a mistake and that it could be fixed, he instructed me to fax a letter with my request, which I did to XXXX, I did not hear from him for 3 days and he claimed that he could not find the letter I faxed. after going back and forth with no result, I finally gave up and told him I did not want the money returned to my account, as it would be to late and I would not be able to pay my mortgage taxes by the time they would returned the {$1000.00}. XXXX indicated to me that my mortgage was up to date until XXXX 2016, subsequently I was paid 2 weeks later, I paid my taxes online and 3 days later they deducted another {$1100.00} leaving me with insufficient funds, I attempted to call and speak with XXXX but now they refused to connect me to him, I do not have time to explain myself to another representative as he was familiar with my issue. I have been unable to pay my taxes and there is a certificate that will be issued after XXXX XXXX, 2016, the reason I was not prepared to pay my mortgage taxes this year is because I was presented with a hefty IRS bill this year that I was not prepared for. I paid online {$1100.00} on XXXX/XXXX/16 I am assuming the prior deduction and the monies I sent on XXXX/XXXX/16 will cover the XX/XX/XXXX payment.
12/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27609	Web
We are have been trying do a loan modification through a loss mitigation application with Green Tree Servicing now Dietech Financial, LLC. since at least XXXX 2015!!! We had a court date with a attorney representing Dietech and a XXXX XXXX courthouse employee on XXXX/XXXX/2015. That meeting ended with an extension until XXXX/XXXX/2015, because we had received via U.S. Mail a request for XXXX more documents of information Dietech needed for the XXXX. time!!! Dietech gave us 30 days to get that information to them and we faxed them all the information before the deadline!!! Instead of Dietech sending me another letter to save time, our last representative during that time frame called me on the phone and told me to refax some of the documents that did not come through to them clearly and that was done that day or the next day at the latest!!! This was confirmed by my Dietech representative via an XXXX minute phone conversation that I generated on XXXX/XXXX/15, because on XXXX/XXXX/15, I received a letter from Dietech, stating that the loss mitigation application that they were reviewing will not be reviewed at this time, because they did not receive all the requested information which they did!!! Dietech continues to stall the loan modification process by telling us that the information that we sent them already had either expired or they did not receive it all which they have, because the faxes went through to the right number!!! This is at least the third time that they have done this since XXXX 2015!!!
06/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IA 527XX	Web
On XXXX XXXX of 2016 my wife and I purchased a house. Our mortgage was promptly transferred from our initial borrower to Ditech Financial. Our monthly mortgage payments include money that goes into an escrow account that is to be used for our property taxes twice a year. On XXXX XXXX of 2016 our first property tax payment was due. Ditech failed to make the payment from our escrow account for our property taxes. At first this went unnoticed and in XXXX my wife and I found out that our property taxes were delinquent and late fees and penalties had been assessed to our account. My wife called Ditech to get this straightened out and was told that there would be a 14 business day investigation period before Ditech would take any action whatsoever. My wife continued to call Ditech every couple of days during the investigation period to try to get updates ( due to the company 's reliability we felt that follow up was necessary ). Yesterday the investigation period was up and my wife called to see what Ditech had determined and if they were able to make our property tax payment from our escrow account. She was told that our monthly payments did n't include funds for a property tax escrow account, which is incorrect. When my wife asked to speak with a manager or someone who could help figure out our situation the customer service rep hung up the phone on her. So now we are no closer to having our property taxes paid and are still accruing late fees and penalties every additional month the payment is delinquent.
09/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MS 386XX	Web
Harrasing and degrading phone calls .On XXXX/XXXX/2016 my mortgage called my work cell number after my numerous requests to stop contacting me through this number, As my employer does not allow these types of calls. my mortgage company has the number to reach my spouse to handle these calls. I contacted my spouse, to call the mortgage company. My spouse got in touch with our account rep, the representative proceeded to tell her my account was past due and i had to pay immedietly. When my wife told her when we could pay the payment the rep. stated we had to pay XXXX my mortgage is only XXXX, when my wife told her we could only pay the one full payment she stated, '' you need to sign your house back over to us because you obviously can not afford a home " this is a direct qoute from our rep. We are only late for the month of XXXX. The only reason we got behind was from the mortgage company drafting a XXXX payment out of my checking account after my last payment was already paid. this of course put my checking account in the negative causing over XXXX in over draft fees. It took my mortgage company a week to refund there mistake. being a family that lives week to week of course this put us behind. The told us they werent responsible for any overdraft fees and with limited funds i could not afford an attorney, So that left us trying to dig outta a hole they created .And luckily We have names, dates, reciepts as proof that this is not a fabrication of events. This IS how Ditech mortgage handles business.
04/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70769	Web
I did not receive anything from Ditech last month. I had my billpay set up for mortgages and they sent out on XXXX XXXX, 2016. Apparently, Ditech updated its computer system for the XXXX week of XXXX. I could not even log in to my account. In addition, Ditech changed all of my account numbers and despite receiving the billpay checks, Ditech " rejected '' payments for XXXX mortgages for ( new ) account numbers. Then, Ditech assessed illegal late fees for each account and proceeded to harrass me by calling me 3 or 4 times a day demanding payment despite the fact they received billpay checks on time. The checks had the old account numbers before XXXX XXXX, 2016. I paid all XXXX over the phone, then XXXX of the XXXX billpays were finally cashed on XX/XX/2016 and it does, in fact, state that the check was sent on the XXXX of XXXX. I had to cancel the payments over the phone because they were essentially double payments. Since then, I made sure every account is current, even making payments a second time for the month of XXXX for XXXX accounts, which billpay checks are being retained by Ditech, but not cashing them. The representatives I spoke with stated that I would be credited back the late fees. However, this has not happened. All I get over the phone is transfers to full VM 's or I leave a message to be not returned. Further, their " new system and website '' keeps kicking me out. Please CREDIT me with the illegal late fees and TELL ME what you are going to do with the XXXX remaining bill pay checks.
10/23/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	NC 27610	Web	Older American
Two months ago I got behind on my mortgage because of an account the charge on my bank account with out permission and caused a domino effect with checking account payments. I paid my mortgage to ditech and make arrangements to pay and additional amount to catch up. Despite that I received letter several time a week calls and a man knocked on my door and left a Mortgage Due letter on my door. I spoke to a representative who took my complaint about the harassing way I was being treated and she apologized. Because of caring for an elderly parent out of town, I did not make it home in time to pay my XXXX mortgage. I 've attempted to call Ditech multiple time to to make the payment because they will not allow you to pay online unless you pay the full amount. I 've had no call back by XXXX XXXX who received all mu calls on voice mail. Online my bill reflect XXXX unapplied amount in addition to XXXX late fee and XXXX mortgage that I have been trying to pay. What is XXXX unapplied I 'm not going to pay so unapplied amount I am not owing. No one answers XXXX it goes to a voice mail for XXXX XXXX XXXX and he never returns the call. I have been humiliated not being one full payment behind. My payments are XXXX I agree XXXX is due per the letter they send. But if I ca n't pay online unless I speak with someone. The automated line will not accept less then the due. That amount is not right. Charges that are applied as unapplied can not be legal. Please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC. XXXX
11/16/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	NC 28052	Web
XX/XX/2016, I initiated a HARP loan application with my current lender Ditech. I was informed that I needed to provide homeowners insurance and sign the necessary disclosures to move forward with my application. XX/XX/2016, I received an email from the title company informing me that I had a judgement on my title report that would need to be cleared up before or at closing. XX/XX/XXXX, I also received a call from my lender advising me that my loan had been forwarded to their legal team for review. Apparently when I closed on my loan with Greentree, they cancelled my deed of trust from when I purchased the house, but forgot to record the new deed of trust. I was told at that time not to worry they would get everything cleared up. XX/XX/2016, I paid off the judgment on title. I forwarded the information over to my loan processor. XX/XX/2016, I was told by my loan processor that we were pushing to close my loan by the end of the month. One minute the loan processor told me the title company had everything they needed to close my loan, and later she switched it to say she had to resend the information. I reached out to the title company to see if they would give me a status on my loan and was later contacted by my loan processor indicating that they could not add the mortgage sent over by my lender because it had already been released. My lender is now ignoring all of my emails to them regarding a status on my loan. My lender did not record the deed of trust on my property, so I have an unsecured note.
08/19/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WA 99223	Web
This loan was initiated with a bank in XX/XX/XXXX, which then sold the loan to XXXX, which then sold the loan to XXXX XXXX XXXX, which then sold it to Green Tree Servicing LLC. This last transfer happened in the first fall-out of the mortgage-lending crunch/bad debts/people losing homes, etc. -- before all of the programs to help owners keep their homes. When I realized I could no longer keep the house, I tried to place it with rental management companies ( in XX/XX/XXXX ), but no possibilities there. I then tried through Green Tree Servicing LLC to have them take the house/loan back, but was told that since I had moved out of the house and out of the state and gone where rent was less expensive, that it was now 'rental ' property and did n't qualify for them to take the property over. I contacted a realtor that specialized in 'short sales ', but Green Tree Servicing LLC would not deal with this realtor, but instead sent the house for Sheriff Sale. The house originally was purchased by me for {$250000.00} in XX/XX/XXXX. After 4 years of my paying approximately $ 2,000/month, Green Tree Servicing LLC sold the house to itself for {$200000.00}. So, I lost the house, lost my credit standing, have been scrambling ever since to live, support my children and have them grow without the sword of Damocles forever overhead. In checking with one of the credit bureaus, I see Green Tree Servicing LLC making periodic, new adverse reports against me as if I keep defaulting on a debt. Is this even legal/legitimate?
12/12/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	MT 593XX	Web
This issue is in regard to a mobile home title in Montana. The lien on the title lists the lienholder as : XXXX A DIVISION OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX The lien was put on the title in XX/XX/XXXX when we purchased the ( new ) mobile home. The loan was paid off in XX/XX/XXXX when we refinanced through XXXX XXXX, but the lien was never released by XXXX as verified by the Montana Motor Vehicle Division. I have contacted XXXX XXXX XXXX since XXXX is no longer in existence and they said this loan was a Ditech/XXXX XXXX loan and that they had forwarded my the information and documentation I provided to Ditech, In 2 phone calls to Ditech, they have assured me they will not even look into this for at least 30 days even though I have pointed out that the lien release is in essence 15 years past due. I personally provided them via fax on XX/XX/XXXX a copy of the title and a copy of a form XXXX which shows the loan number, our names, and a social security number of my husband, the primary borrower who is now deceased. I gave the dates of the loan origination and payoff. I was on hold for an hour and 15 minutes on the phone today, the second of my ( exceedingly unhelpful ) calls to them. The representative at Ditech would not even confirm that they received my information either from XXXX or my fax. I was supposed to close on the sale of this property last Friday. With a sale of the property on the line I do not have a month to wait to possibly hear from them regarding this.
07/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 124XX	Web	Older American
For two months ditech Financial LLC has failed to apply our mortgage payments to our account. This payment transaction is an automatic bank transfer from my checking account to ditech. There have been no problems with the transfers as my bank statement clearly indicates they 've taken the money on time every month. Two months ago I called and spoke with a service representative after my monthly billing indicated that I was behind on my payments. The rep explained that apparently their system had an issue but that we were current on our payment and not to worry the system would " catch up '' before our next billing period. My wife and I came home last week to find a notice on our front door instructing us to call ditech about a problem with our account. We called and talked to another service representative who, after some discussion, told us the system had a coding issue and while we were current it was n't being applied to our account correctly but had been corrected on XXXX/XXXX/2016. Today in our mail there was a notice from ditech claiming we owed them {$500000.00} and a second notice from a collection agency. So the long and the short of my problem is that I 've been sent to collection by ditech for mmoney I do n't owe them. A call to ditech again ended with me being told there is no problem. So my question is how do I fix the damage done to my credit scores by a company that seems to have no interest in repairing their problem and what do I do next month when this happens again? XXXX XXXX
05/03/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 31907	Web
My Ditech loan is set up for automatic payments out of my checking account. I received a past due collections letter from Ditech dated XX/XX/XXXX. I checked my secondary checking account that I use for this payment and the XX/XX/XXXX payment had not been deducted from my account. I call Ditech to see what is going on, the agent couldn't locate my account. She was finally able to find some information and told me that my account was given a new number and I should have received a letter stating that I didn't need to do anything and that the payment would come out automatically as usually. I told the agent the payment didn't come out of my account and asked if she could take it over the phone. She said I could not, but advised me to call into the automated system and make a payment. The automated system stated it had received a $ XXXX payment, but that couldn't have been right. I made the payment for $ XXXX and received a confirmation number. However as of XX/XX/XXXX, the payment still has not been deducted from my checking account. Now they are reporting me past due to the credit bureau for {$660.00} payment. Ditech VRU/automated system has a record of my payment, but also says I owe a payment of {$1300.00}. I've called Ditech 10 times asking for help, but they can't help me because they don't see my full information. I've disputed the credit bureau report, but I'm fearful this may cause them to put me in foreclosure. I've never missed one payment with either of my mortgages ( over 18 years ).
10/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30253	Web
Sold our home on XX/XX/2018. Temporarily moved to XXXX and had a forwarding order for all mail. Assumed Ditech would mail our escrow refund check to our old address and it would be forwarded by USPS. They somehow updated their records with a new address for us ( NOT AT OUR REQUEST AND NOT A CORRECT ADDRESS ) and mailed the refund on XXXX to that incorrect address. Sent multiple emails through their secure message server - it sent me emails saying they received my email and are looking into it but no one ever responded or contacted me in any way. Called XX/XX/18 and spoke with XXXX who said she would request the check be reissued and sent to new address. Updated our address ( AT OUR REQUEST ) and stated it would take 7-10 days Called XX/XX/18 and spoke with XXXX. Said she could " see '' the request to issue check but it had not been issued. Stated the deadline was today for reissue. No action XX/XX/2018 called and spoke with XXXX who said it was not reissued yesterday ( their deadline not mine ) and that it " should '' go out this week XX/XX/18 called and spoke with XXXX - she states she can see the request but it has not been cut. XX/XX/18 called and spoke with Ms. XXXX - still not cut but again states it " should '' go out this week. It is Thursday already! Ditech Mortgage has had {$3300.00} of my money for over three months now and will NOT resolve this issue. This is a very simple transaction of an escrow refund check that WAS NOT CASHED and just needs to be reissued and mailed ....
01/26/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA XXXXX	Web
On XXXX/XXXX/XXXX I mailed via CERTIFIED mail, the XXXX XXXX mortgage payment of {$990.00} to Ditech for loan number XXXX ( Addressed to : Ditech, XXXX XXXX, XXXX Ca. XXXX ) It arrived on XXXX/XXXX/XXXX and no one signed for it, it was returned to XXXX and then sent back to Ditech, it arrived on XXXX/XXXX/XXXX and no one signed for it. I called Ditech on XXXX/XXXX/XXXX after I discovered both payment we had sent via certified mail had not been signed for, XXXX ( ext XXXX ) could not say why. I went online and paid for XXXX mortgae, but as I am in a almost 2 year dispute with this loan ( They say the loan has a {$290.00} back owing, but they have never been able to point to where this originates from, and I have paid in full cancelled checks for every mortgage payment ), so she told me to hold on paying this XXXX and she would call me back. On XXXX/XXXX/XXXX I received a statement that says I owe {$3000.00} with {$700.00} in suspense, I tried to go online and make a {$990.00} payment for XXXX, but the electronic payment amount is prefilled in as {$1900.00} and will not allow a lesser payment, so it does not allow you to use the " Funds in Suspense ''. I called and left a voice mail for XXXX, who has never called me back. I also now have a late fee for the XXXX payment they refused to sign for. I do not owe anything but the XXXX XXXX payment as of this date AND that is ONLY because they did not sign for the certified mail. They have NEVER been able to explain where the {$290.00} originated from.
09/23/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CO 814XX	Web	Older American
XXXX, formerly XXXX is refusing to provide a statement on a monthly basis that gives me the break down of my loan payment. I do n't have any way of knowing if extra fees are added, what amount was paid out of my escrows, and the amount that is principle and interest. I have written them a letter asking them to send it to me and they have sent me a letter back that said if I do n't reaffirm the loan they will not give that information to me. The loan has never been late, and I have indicated to them that I intend to pay the loan until it is paid off. I do n't know if they are overcharging me or not. They refuse to give me this information. I do n't even know how much I still owe. They wo n't tell me that either. I am having difficulty filing my Income Taxes because the information is not given to me. They will not tell me how much is in my escrow account and when the payments are made out of it. I do n't know how much they are paying for the insurance, and they said my taxes went up but they went down. They said the escrow payments are making my loan payment go up. I do n't know how much or what for because they refuse to give me that information. I feel like my rights are being violated and there is a potential for fraud on their part since I am in the dark. They wo n't even put my name on the statement but I am on the loan. My sister XXXX XXXX is also on the loan and she did not file bankruptcy and they will not provide the statement to her either. She is still fully responsible for the loan.
09/20/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MO 63119	Web
Ditech Financial LLC is servicing my mortgage. since XX/XX/2016, my monthly mortgage payment has not been properly issued by Ditech. due to this abnormal action by Ditech, my mortage was past due XXXX times already. I had to call their customer service to ask for correction. despite their promise, the issue has not been resolved. XXXX today ( XXXX/XXXX/2016 ), I just have received a call from a Collection agency, accusing me my mortgage is past due! It 's impossible since I paid full amount ( see the attached payment record from XXXX XXXX XXXX ). I asked the person from the collection agency to transfer the call to Ditech customer service. Ditech customer service person first accused me my mortgage is past due, then, I educated the person to see my payment history. It was totally messed up. please see the below my recent payment history ( also attached ). note that this is not the true payment history of mine and that the Ditech has already modified it. Although the Ditech customer service person said they will be going to review/correct this and update me about it, I am not convinced of it since they already failed the same issue three times in the past three month of billing cycles! Date Description Amount Current Principal Balance XX/XX/2016 Reallocation {$810.00} {$100000.00} XX/XX/2016 Payments {$1700.00} {$100000.00} XX/XX/2016 Payments {$0.00} {$100000.00} XX/XX/2016 Payments {$83.00} {$100000.00} XX/XX/2016 Payments {$1600.00} {$100000.00} XX/XX/2016 Payments {$780.00} {$100000.00}
02/08/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	IL 60504	Web
This is the second time ( 3rd if you count XXXX XXXX XXXX going into the transfer to Green Tree ) that I have submitted full modification application to either state it was lost or incomplete. The latest and one which generates this complaint comes from Ditech. On XXXX XXXX, XXXX, I received a certified mailing with a letter dated XXXX XXXX, XXXX. Ditech stated they would not be reviewing my application due to my failure to submit the itemized missign docs. This is absolutely untrue. On Juanuar XXXX, XXXX, XXXX Central time, Ditech was sent XXXX doc, a copy of my check stub ( which I sent with the initial package ), copies of my XXXX taxes, and a signed XXXX ( a document I also previously signed ). I have included a fax receipt, the fax took a total of 3:38 seconds to complete teh fax number is XXXX ( as noted on the fax ). I can also obtain independent phone log if Ditech wishes to have additional proof. I am so tired of the runaround from Ditech, it 's obvious they are wanting to foreclose. Ditech also stated, it is my responsibility to call XXXX, my assigned rep. I have advised on countless times, I am hearing impaired, offer alternatives, and seem to be the one making accommodations. Never once have I received any correspondence from XXXX, and I content Ditech is punishing me for having a XXXX. I sending Ditech proof that I submitted the docs, per there portals, and also sending an email, fax, and have uploaded the proof on their website, however previous uploaded docs have disappeared.
06/01/2015	Yes	Mortgage Other mortgage	Settlement process and costs	NC 28212	Web
On XXXX XXXX, 2015, I was scheduled to close on my primary residence home located at XXXX XXXX XXXX, XXXX, NC, as the home is scheduled for a foreclosure sale in XXXX. XXXX XXXX and I signed a purchase agreement for {$100000.00} for this property. The sale proceeds would have paid off my XXXX lien of {$84000.00}, and there would have been {$20000.00} remaining to pay off my XXXX lien. On XXXX XXXX, 2015, GreenTree, LLC verbally informed me that the would accept the remaining funds through short sale to pay off the XXXX lien loan, and take the charge off my credit. I faxed them all documents to complete the short sale transaction. GreenTree did not complete the documentation required for the closing. From XXXX XXXX, 2015 to XXXX XXXX, 2015, myself and the closing attorney 's requests, XXXX, XXXX XXXX XXXX, XXXX called them over XXXX times to complete the transaction. I personally, eft over XXXX messages for them to contact me and the closing attorneys to complete the transaction. DUE TO THEIR NON RESPONSE, THE BUYER WALKED AWAY FROM THE SALE and my home is NOW going to be sold in foreclosure in XXXX 2015. I AM LIVID AND DISGUSTED THAT THIS COMPANY WILLFULLY OBSTRUCTED AND PREVENTED ME FROM SELLING MY HOME. I am entitled to damages. Specifically, request that Green Tree forgive my loan with them and take it off my credit report, and pay off the first lien to XXXX. As such, I am requesting that this agency investigate this matter as Green Tree has violated all consumer mortgage servicing laws.
10/19/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33612	Web	Servicemember
During years XX/XX/XXXX through XX/XX/XXXX my husband and I tried to obtain a loan modification through XXXX XXXX XXXX. Our loan was transferred to Green Tree, we were approved for the modification, and faithfully made our payments, but Green Tree dropped the ball by not communicating this info to XXXX XXXX XXXX. Thus XXXX XXXX XXXX filed a foreclosure XX/XX/XXXX, due to non- payment. But the real problem is there was never any communication between Green Tree and XXXX XXXX XXXX. After our case went to court the judge stated it was not XXXX XXXX XXXX 's responsibility to know that we were making payments, and that it was our responsibility to relay this info to the bank. However, my husband and I was of the understanding that we were now doing business with Green Tree Servicer, who during their collection of our funds kept transferring our case to a different customer service rep who could never find any records of our payments or phone communications. As a veteran this writer should not have to be subjected to this type of treatment after serving her country. I have been devastated by this action, and is hopeful my husband and I can be compensated for the mortgage payments we poured into our home. Since XX/XX/XXXX we have been renting, and our credit is destroyed. Is there anything we can do at this point to recoup some of our losses '? Green Tree Servicer continues to harass us by sending monthly collection letters, even after the property has gone into foreclosure. Thank you, XXXX
09/08/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MO 64134	Web	Older American
Green Tree has used extremely aggressive threatening and harassing collection tactics in its rapidly growing servicing business I, XXXX XXXX XXXX and XXXX XXXX my wife were especially vulnerable to Green Tree 's tactics because we were locked into a relationship with the company. So in order to remain in our homes, we, XXXX XXXX XXXX and XXXX XXXX, had to deal with the company abusiveness, threats and harassment for as long as it services our loans, regardless of how they treated us. Even now, our lives are plagued because of their actions of violating our consumer rights. Because of Green Tree 's routing system for handling incoming calls, consumers XXXX XXXX XXXX and XXXX XXXX, were routed to a collector instead of a customer service representative. We were told that our only option is to speak with collectors when we have questions or problems with our accounts. When we, as consumers reached Green Tree 's customer service representatives we were requested to schedule a payment before receiving assistance because we were behind on our mortgage payments. We, XXXX XXXX XXXX and XXXX XXXX Green Tree, were having difficulty paying our mortgages because of a devastating event, which accrued ; so we arranged for a short sale of our home but received no assistance from Green Tree and lost prospective buyers. As a mortgage servicer, Green Tree has the delegated authority from the investors who owned our loans to approve our short sale requests but refused and gave no reason why they would n't.
07/01/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 32536	Web
my name is XXXX my husband and I for the past three year went through some XXXX XX/XX/XXXX-XX/XX/XXXX. however are trying to cleared up our debt. our mortgage loan is through XXXX XXXX XXXX. but was originally through XXXX XXXX. now we were told our loan servicer is Green-tree now it is Ditech. we are trying to modified our home. for the past three years we have send document to XXXX XXXX XXXX, green tree and was told they never got them they gave us mailing address we send document 3-6 times they did not receive but never return to us then faxed multiple time still having problem. we had to hired a lawyer. and we had a mediation they told send profit and loss and we would get option within 30 days that never happen. originally back about 6-8 years we have a income loss and needed modification. we did not pay our mortgage for about 3-months we were send document to modified our loan. during that time we send whatever money we could. our loan was turned over to XXXX XXXX XXXX from country wide. I was not sure if we were ever modified. went I call to get help when we first got sick we were told no. after we went into default. they called and we ask if we were ever modified they said no and we are qualified for modification which never happen. now they are saying we did get HAMP modification. I know we had to sign some document for bank as our new servicer. but still not sure of what happen. nothing is ever straight. we are asking for help in this matter we would greatly appreciate it thanks
06/16/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	OH 45069	Web	Servicemember
Ditech Financial LLC has been mistakenly showing our account as past due for five months. The total of our XX/XX/2019 payment was applied to the principal amount of our loan in error by Ditech. Since then, Ditech has listed our loan as past due. We have called the payment center every month and have been told that they are aware of their mistake and are working to correct it. We received a letter dated XX/XX/2019 stating that Ditech had not received our payment due XX/XX/2019. We mailed that payment XX/XX/2019, and after calling and spending hours on the phone they agreed our payment was made. We received a notice of default on our loan dated XX/XX/2019. We called the Ditech 's Loss Mitigation Department at the number listed on the letter and we were told to disregard the notice and be patient because they are working to correct their problem. This is a direct threat to foreclose on our loan if we do not pay by XX/XX/2019 on an unpaid balance of {$760.00}. Which was paid and they misappropriated the payment. We have been told they are working on this for four months and we continue to receive our monthly statement showing a late fee and that we are a month behind in payments. In addition we did not receive a billing statement for XXXX, we had to make a payment over the phone. It is now XX/XX/XXXX and we have not received a billing statement for XXXX. We have requested managers to call and let us know when or if progress is being made on their mistake with no response from Ditech.
07/22/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33904	Web
We had damage to our home after Hurricane Irma. After 9 months the insurance company finally issued a check in the amount of {$120000.00}. By that time we had already taken the money out of our retirement account and the house had been completely repaired. The check was sent to Ditech in XX/XX/2018 as they hold the mortgage on the property. Also sent to them was all documentation requested including a signed waiver of lien and copy of statement from contractor stating payment had been made in full. An inspector from Ditech finally came to do the inspection on XX/XX/18. He submitted his report stating all work had been completed in full and the house had been totally repaired. Our adjuster spoke with Ditech on Tuesday XX/XX/18 and was told the inspectors report had been received and the check had been issued. On Friday XX/XX/18 we received a check for {$18000.00} made payable to our public adjuster. This was the exact amount he was owed. We spoke to Ditech that afternoon regarding the remainder of the funds and were told they were releasing another {$31000.00}. When questioned about the remaining {$75000.00} they responded that it was a lot of money and they had to check with the contractor to assure he had been paid before they released it. They agreed they had the signed release and statement from him showing he had been paid in full in their files but would not release the funds to us. Even though we sent them all required documentation we still have not received any funds from Ditech.
08/26/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30349	Web	Older American
I was approved for a hardest hit program in ga Georgia underwater homes my award is XXXX this check was sent to ditech financial in XX/XX/XXXX to be apllied to my principal, it was applied, I am continuing to send in my regular monthly payments which are not being applied and going into a suspense account. their explanation is that the system is not updating due to the large amt from the program, my check from XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX has not been applied, even though it shows on my statement that I am not late I am getting collection letters and notices on my front door from them. when I call they say ignore the notices.no one calls me, I am calling every other day for the last month when the collection letters start coming. I am afraid with these people not knowing how to handle these programs that they have accepted and now not knowing how to process my payments I am going to go into foreclosure even though they are saying no I want. does their collection people know this, they cant even transfer you to them or they explain what is going on and not to harass the customer. this is another night mare from XXXX, I am an over age senior and think they may try and take advantage. if someone would communicate I would feel a little better. we are resolving the problem does not help me.. the amunt for the 3 months is XXXX now, they are saying just continue to send your regular amt of XXXX please help me find out why my checks are not posted to the acct and going in to suspense.
01/24/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	PA 190XX	Web
My property was foreclosed XX/XX/XXXX ( judgement entered ). I contact my loan servicer, Ditech Financial LLC, on several occassions asking loan modification application after I was pre-screened on the phone if I qualify for a program. XX/XX/XXXX, I received a notice that a Sheriff Sale has been scheduled for XX/XX/XXXX. I contacted the loan servicer, Ditech Financial LLC, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to receive a loan modification application as the sheriff sale on my property was quickly approaching. I finally received the loan modification application on XX/XX/XXXX and a full packet of XXXX-page document was returned to Ditech on XX/XX/XXXX via Fax. Since then I did not hear anything from the loan servicer again. I called on XX/XX/XXXX ( 4 times and left messages to my assigned representative ), and on XX/XX/XXXX ( 7 times, leaving XXXX messages ). I finally got through to customer service at approximately XXXX. and I was informed that they will not review my loan modification application since it is so close to the sheriff sale of my property. I have called countless number of times since XX/XX/XXXX, I filled out online " contact us '' forms, '' and called at least 15 times in the last two months leaving voice mails asking that Ditech calls me and provides me with a loan modification application. They failed to do so, until the very last minute so that they would not " have to '' review the documentation and take away my home. Why???
06/30/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	LA 71291	Web	Older American
On XXXX XXXX, 2016 I paid my mortgage off in full to Ditech Financial, LLC. Attachedf is a letter from them acknowledging the payoff and the Account number is contained thereon. XX/XX/XXXX I called to inquire about the status of my escrow refund of {$1900.00}. I was advised by XXXX that a check had been cut and would be sent out shortly. On XXXX 2016 I called again about the escrow and was advised that the check had been cut and released on XXXX/XXXX/16. I again called on XXXX/XXXX/2016 and spoke to a XXXX . XXXX, who identified herself as a supervisor. She said that check XXXX had been issued on XX/XX/XXXX. I advised her that I had not received it. She wanted to cancel the check and send a new one and I refused that option as this would have restarted the process and allowed Ditech another 30 days to send a check. XXXX . XXXX agreed to have an electronic transfer made to my bank account. She told me this would take 5 days. As of today, XXXX XXXX my account has not been credited. I am of the opinion that Ditech is a rogue mortgage and collection agency who keeps other people 's money an undue length of time and only refunds money when threatened. It is this kind of company and lack of federal oversight that led to the last financial meltdown and will lead to the future bank and real estate meltdown. They are an unprincipled company that should be severely fined or put out of business. I encourage your office to log into XXXX and read the hundreds of negative feedback on this company.
10/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 183XX	Web
I XXXX XXXX along with my wife XXXX XXXX have worked diligently to get our mortgage back on tract, and we were successful doing so. We are very pleased when Ditech approved our mortgage modification and they even set aside a large portion of the mortgage into forbearance. We have been making our mortgage payments by XXXX XXXX at a local XXXX. However, the payments, which were made in cash were never processed by Ditech, We are sure that there was a problem posting our payments through XXXX XXXX. However, we are now being threatened by Ditech that we have not made our payments and that our home was being placed back into foreclosure. We have not missed any payments and this has to be an accounting problem. We post this problem through the Consumer Financial Protection Bureau as we need Ditech to treat us fairly and to get the accounting problem resolved as quickly as possible. My wife and I do not want to go through a difficult modification process again, but to maintain our current mortgage payments and to have our final modification papers delivered to us as quickly as possible. As I stated earlier, we were both very grateful to Ditech for the help they showed us in getting back on our feet, and we desire to keep it that way. WE will do whatever is necessary to help Ditech resolve this problem, and all payments can be made from now on by regular check instead of XXXX XXXX. In that fashion a cancelled check will always be available to prove that payments are being processed properly.
08/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 300XX	Web
Again I am writing concerning my request for correction of the error described below in regards to the mortgage on my property. After years of dealing with Ditech refusing to accept I had paid the sums to bring the mortgage balance current. On XX/XX/XXXX I paid with certified funds in the requested amount of {$410.00}. Ditech scan the check into their file and destroyed the check, they never processed it. I had to cancel the check, pay a XXXX fee and both parties had to sign an affidavit stating the check was destroyed by Ditech. During this process Ditech 's director of collections agreed that Ditech will. 1. Refund the XXXX that was paid to cancel the official check 2. Remove the late credit reports. Once I received the sign affidavit from Ditech, I returned docs to my bank for processing. I called Ditech 's representative who process the payment and sent over the confirmation by email, confirmation number XXXX to bring the loan current. On XX/XX/XXXX, I received an email notification from my credit monitoring service stating Ditech has reported me again as past due. I have reach out to, Ditech Director of Collections and he has not return my call. One representative contacted him on instant message ; he stated : I will call him in 30 minutes, that was XX/XX/XXXX I want the two items above resolve as stated, and put in writing, not verbal over the phone. The last time Green tree stated I was current but never put it in writing, now again Im still dealing with this from Ditech
03/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 389XX	Web
On XX/XX/XXXX I was provided a modification from Ditech with arrears deferred and first payment of {$460.00} was due on XX/XX/XXXX. Ditech did not uphold their agreement of the modification and placed my account in foreclosures before payment was even due. My house was about to sell so I had to filed bankruptcy with Attorney XXXX XXXX on XX/XX/XXXX only to save my home. Ditech said I owed insurance fees back dated from XX/XX/XXXXand the Bankruptcy trustee said that they had to dismiss my case due to I will not be able to afford it. My attorney advised me to come into the office so that we could get the bankruptcy straightened out. In between me getting to his office I had an medical emergency that caused me to be hospitalized for about 10 days and My car also was repossessed due to the mishandling and misleading information. A escrow account ending in XXXX is on my account that I never received any information about or payments that was due to me. The last analysis was did on XX/XX/XXXX. A total amount of XXXX was paid out of the account to insurance on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. After looking through my payment history I see several large amounts being distributed to insurance over the years of my account starting XX/XX/XXXX. I filed a claim to have house fixed but claim was denied by XXXX XXXX insurance company provided by Ditech replacement insurance. They also have had my divorce decree on file since XX/XX/XXXXto update my name on file but have not did so as of yet.
10/04/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94611	Web	Older American
1 ) Received A " Committment Letter '' for refinance of existing mortgage from Ditechz XXXX Loans on XXXX 2 ) Committment Letter contained the foillowing terms : a ) Discount points/Origination credits : 0.3750 % b ) Commitment Expiration Date XXXX 3 ) On or around XXXX XXXX XXXX, a Ditech representative who acted as my loan processor and provide me instructions on the paperwork flow and signing instructions sent an : Adversary Letter via email saying my loan was denied because I did not meet the conditions. 4 ) On or around XXXX XXXX XXXX, Ditech manager called me via phone and after hearing my complaint against XXXX XXXX, stated she was in need of additional training, the Adversary Letter would be withdrawn and I would be assigned a new loan processor. 5 ) A new loan processor was never assigned to me or contacted me from XXXX up until today XXXX. 6 ) Numerous attempts to reach Ditech about my loan documents via email to XXXX XXXX, XXXX who is listed as the contact person for my loan has been unresponsive. Ditech Mortgage Loan contact phone rings constantly with no pick up and when their is a pickup, the line goes straight to busy signature. 7 ) On XXXX discovered on-line at Ditech XXXX there was several closing documents to complete my financing waiting for my signature on XXXX, XXXX, XXXX, and XXXX. Each document penalize me for not signing the documents by increasing the points from its XXXX XXXX 0.3750 % to a ) XXXX - 1.850 % b ) XXXX - 0.975 % c ) XXXX - 2.150 %
06/12/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 775XX	Web
My name is XXXX XXXX XXXX and my dad passed away XX/XX/2018. He left behind a mortgage with ditech financial. My dad was current on his mortgage when he passed. I took over the mortgage and I fell behind and I called the company in XX/XX/2018 and requested help and a nice guy name XXXX assisted me. I later became behind again due to me having my own bills. My dad percentage rate is a 13 % and I was told to apply for a modification. I was told that I had to be living in the house hold. I told them that I wanted to assume the mortgage and they emailed me the forms along with all of the required documents. I provided a recorded Quit Claim and they stated that the type of loan he had. I could not use it until the property was in my name. I had waited for almost two months and they finally stated that no one opened the account and they apologized. the representative then stated that they would have the case escalated. I waited several weeks and received a letter stating my case was denied for failure to provide all documents. I was very furious because I had sent all documents and my case was overlooked and now they want me to reapply and provided all documents and they want to run my credit again and I don't think this is fair. I would like to get my payments current and have my interest rate lowered and I would like them to reopen the case. The deceased name is XXXX XXXX XXXX and the account number is XXXX and my number is XXXX. I look forward to hearing from the company really soon.
08/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91352	Web
We started receiving letters from our mortgage company ( DITECH ) stating that they set up a escrow account to collect our property taxes. We called them expressing that we 've been making the property taxes payments for the past 12 years with no problems. In the mean time all our mortgage payments are not being fully applied to our account because " they are not complete '' according to DITECH and we are being charged excessive late fees because of it, even though we are making our payments on time. DITECH stated that the reason that they set up the escrow account is because they paid the property taxes for the current year. I replied that I also paid the property taxes for the current year and I 've been doing it on my own for the past 12 years without any problem. Representatives at DITECH told me to submit a letter requesting for the escrow to be removed from my account which I submitted along with bank statements, receipts\copies of the checks as proof of payment, I also included a letter from the XXXX XXXX county stating that we had no properties taxes due. After submitting the proper documentation we were told that they ca n't remove the escrow account because we are behind in our escrow payments. I keep telling all the reps at DITECH that we already paid the property taxes and that we do not wish for them to collect the property taxes because we already have paid them. I talked to many of the reps and supervisors and they all are not helping us to resolved this matter.
12/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32738	Web
My mortgage loan was transferred from Di-tech to a new mortgage company XXXX XXXX. The first bill I receive from XXXX due XX/XX/XXXX, states I owe an amount {$360.00} higher than my normal monthly payment of {$790.00}, a total of {$1100.00}. I have called both companies, XXXX states I need to make this payment in full and that this was is an underpayment that was transferred over from Di-tech. When I reached out to Di-tech I was told various reasons for the amount that was transferred and owed. First it was legal fees, then inspection fees, then fees from XX/XX/XXXX( unable to specify the type of fees ) and finally fees associated with a modification done back in XX/XX/XXXX. In XX/XX/XXXX, I was charged fees associated with my modification in total of {$16000.00}, that was added to my loan, in addition to that, they assessed legal fees and inspection fees in the amount of {$3600.00}, which brought my mortgage total from {$94000.00} to {$110000.00}. Neither Di-tech or XXXX can explain why I am now being charged an additional fee of {$360.00} 20 or 5 years later ( they cant seem to get the year right ). I don't want to be late on my payment as that will cause a domino effect of other issues ex : Late fees and who knows what other fees they will come up with. I am in need of your help as I feel they are just tagging fees and taking advantage of people to get more money. I have attached my payment history starting from XX/XX/XXXX through XX/XX/XXXX when my loan was transferred.
12/05/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 39206	Web
My complanit is Ditech Financial about my mortgage payments. In XX/XX/XXXX I file a chapter XXXX at that time my mortgage was current in XX/XX/XXXX. After that my mortgage payment were applied to the company for post payments. In the process I sent in multiple payments to stay ahead. My regular house note is {$440.00} sometimes my mortgage be {$440.00}. I asked why my mortgage change, they replied that I had to pay for multiple inspection. After that Ditech sold the mortgage to XXXX XXXX XXXX. I contacted the new mortgage company which were XXXX XXXX in XX/XX/XXXX to check on payments, at that time XXXX XXXX said my mortgage was current. I were told they were waiting on Ditech to forward the payments over to them. Which XXXX said it was taking longer than expected. I call the mortgage company back to see had Ditech post the payments to the account. XXXX rep said the payments were applied. Ditech told XXXX that the last time a payment was make it was XX/XX/XXXX. At that time I knew that was incorrect, I call Ditech to see what happen to the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments.I was informed by Ditech rep they see the payments but {$1000.00} went to legal fees and there were other advance payments made from my mortgage payments. I were never told about any advance payments until I check with Ditech about the missing payments. My mortgage is behind due to Ditech applied funds to their advance accounts without my knowledge. They charge my account late fees.
05/21/2019	Yes	Mortgage FHA mortgage	Incorrect information on your report Information belongs to someone else	ND 58801	Web
I recieved mailing from prodicence advocates to help refinance my mortgage I had set up with ditech financial. They sent me documents and said they could settle with them and lower my apr payment and current balance and said not to pay them nor contact them as they would do all that during the process..XXXX XXXX was the sr case manager he was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX : XXXX Toll-Free : XXXX Ext. XXXX Fax : XXXX XXXX He told me to mail money orders via USPS to this address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone is XXXX which I sent them payments as advised I starting getting late payment notices via ditech I asked XXXX repeatedly bout it he said not to respond or contact or pay that he is taking care of it ..after a foreclosure notice I contacted ditech and found out I was scammed and brought to the attorney general 's attention and they investigated and was able to get my money refunded to me but has no authority of reversing my credit and I have tried asking ditech to remove my 90 day late on my credit report back XX/XX/XXXX by writing them a letter of hardship on what happened to me explained everything and they denied it I again called XX/XX/XXXX they again denied it but said they will send another request to have it removed ... please contact the attorney general out of North Dakota to search the case thank you I want the 90 day late removed from my credit report from ditech they said it will be on for 10 yrs
02/02/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	ID XXXXX	Web	Older American
In XXXX I lost my home to foreclosure. There was a 1st and 2nd mortgage, both held by XXXX ( aka XXXX ). Both mortgages were recorded. 6 months after the foreclosure, I was contacted by XXXX as to how I was going to payoff the 2nd mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX for both the 1st and 2nd and filed them with my XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XXXX Green Tree contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as Ditech Financial, LLC reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from Ditech a XXXX Mortgage Discharge for this 2nd mortgage that was discharged in XXXX. I 've heard and read multiple places of this criminal activities by Green Tree which has been closed down by the Feds, and now is Ditech Financial doing exactly the same criminal things.
02/27/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 065XX	Web	Older American
I have XXXX mortgages with Ditech. I recently completed Chapter XXXX bankruptcy for a large number of my credit card debt. I was under this bankruptcy for 2.5 - 3 years. I completed this bankruptcy on XXXX XXXX, 2016. The bankruptcy sticker for XXXX of my mortgages with Ditech ( mortgage # XXXX ) was lifted and I was able to go online and get information about this mortgage and to receive an accounting for the past 3 years. My other mortgage XXXX # XXXX XXXX had the " bankruptcy '' sticker on it and I could not get any information on it without calling the bankruptcy department. I was also getting calls and letters from Ditech that I was delinquent on mortgage # XXXX ). My information showed I was not. After 2-3 months of calling and receiving delinquent notices between Ditech and myself, I discovered that the account with the " bankruptcy '' sticker had a BALANCE OF {$7000.00} IN UNAPPLIED FUNDS in it. After many, many more calls, I was finally able to get Ditech to transfer this balance of {$7000.00} ( which was just sitting there ) to my other account that Ditech said was delinquent. After getting this monumental transfer, I then began my quest to have Ditech remove the " bankrupt '' sticker from my other account. I have sent e-mails, ( attached ), letters ( attached ) and have placed many, many calls ( too many to track ) to Ditech about this. I can be reached at XXXX XXXX or XXXX to discuss. I hope someone at your bureau can help me to resolve my complaint with Ditech.
02/20/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 20603	Web
The installment loan with Ditech Financial was managed for status and paid monthly, via telephone. The representatives communicated the account was in good standing, with no issues ( late payments, or other problems ). The loan was paid in full in compliance to the Ditech process and confirmed approved with letter documenting account paid in full and closed. However, in checking my credit bureau reports, I discovered Ditech reported to XXXX a 60 day late payment status. I submitted an online dispute for investigation and correction. XXXX provided case dispute investigation results, received from Ditech, reporting the account was paid in full, never late, and closed. I contacted Ditech to confirm and was informed the credit bureau reports would be updated for correction. As a follow-up, only XXXX was updated with correct reporting, and XXXX and XXXX XXXX were not updated, and credit score dropped XXXX points. I contacted Ditech, and was informed their reporting would reflect 60 days late. Ditech does not remember responding to the dispute case, so I faxed the case dispute investigation report for their review and comment. Currently, my credit reports are still not updated for paid as agreed, not late. This situation is confusing and I am dissatisfied with Ditech 's denial of the investigation and refusal to correct my credit reports. This is very unfair to me as a consumer, who followed Ditech 's policy in managing my account, monthly, and paid account in full for closure.
04/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 230XX	Web
I was denied for HAMP, XXXX XXXX XXXX Mod and HAMP Tier II. HAMP and XXXX XXXX XXXX mod said I am less than the XXXX % DTI, which I understand that. But the HAMP Tier II I do qualify for. My denial letter states that I was denied for HAMP Tier II for the following : Your client 's modified monthly mortgage payment must be greater than or equal to XXXX % or less than or equal to XXXX % of their gross monthly income. Well, I am at XXXX % DTI which shows that I do qualify for HAMP Tier II. I filed an Appeal on the denial letter and the lender stated they would have a response by XXXX/XXXX/2016. My atty nor I have received a response. I called the lender on XXXX/XXXX/2016 and I spoke with XXXX in the XXXX XXXX. She placed me on hold while she contacted Loss Mitigation. XXXX came back to the phone and she stated that the Appeal is still in review and is in the Complaint Department. She stated that Loss Mit does n't know when a decision will be made. This is not acceptable. As you can see I clearly qualify for the HAMP Tier II and the lender has taken over 30 days to respond with a decision on the Appeal. Even if I did not qualify for Hamp Tier II, the lender should have some in house modification programs such as Asset streamline mod etc, to assist homeowners with true hardships. The lender also indicated on the denial letter that the completed an interior appraisal on the property. The lender DID NOT complete and interior appraisal or an exterior appraisal on the property.
04/28/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	VA 23324	Web
First and foremost I have filed three complaints with CFPB and each time I fax the number on your website to provide additional documentation it is never uploaded to my account to reflect faxes sent on XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX and so on for case XXXX Ditech also known as Green tree servicing LLC reallocated my funding incorrectly. They have sent a representative to my home on XXXX / XXXX / XXXX , they have sent me two collections letters on XXXX / XXXX / XXXX and XXXX / XXXX / XXXX when my loan was prepaid as on XXXX / XXXX / XXXX until XXXX / XXXX / XXXX . Ditech is fabricating response letters and resolution letters being sent to me after a failed resolution to fix my payment allocation went unanswered for 10 months. Proof of that is a recorded call with their director who states the only XXXX wo letters in the system are two lett ers sent in XXXX XXXX XXXX a nd XXXX XXXX which I relay to her was never received. The reallocation of their initial application of my bimonthly payments they allege they did was done incorrectly. If applied correctly, principle balance would decrease because they were provided extra payments. However their reallocation reflects that my principle balance increased so please explain to me why are you CFPB closing my complaints without uploading my additional documents # 1 a nd then closing it when there still remains outstanding issues XXXX XXXX
07/15/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33411	Web
Green Tree Servicing added an escrow account right after they bought the mortgage from XXXX in XXXX XXXX without any right or notice. Mortgage was originated in XXXX XXXX by XXXX with P+I only. Taxes and Insurance were always paid on time by borrowers. The amount was almost XXXX that we always paid. We called several times through out XXXX months periods and sent certified letters. We never received a response. We sent more than XXXX thousand ( {$5000.00} ) extra, but the statements never reflected it. As of today there still misapply funds to our account. At one point we decided stop sending payments due to the mismanagenmet, misrepresentation, contract violation, etc. Green Tree started making nasty calls including at place of work several times. They promised a loan modification that never happened after we paid XXXX months trial by XX/XX/XXXX. Right after they filed for foreclosure. We responded to XXXX XXXX County, Florida court house in time every time. We showed up at the hearing XX/XX/XXXX when the judge ordered having a Conciliation conference call which we had and Green Tree and his lawyer confirmed having all paper work and promised to send a modification which never happened. We provided enough proof to the court house and Green Tree of the mess had created. I hope this will help in the process of so many victims of Green Tree and CFPB along with other government entities to settle a case against Green Tree. Green Tree should NOT have a license to operate.
08/07/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34286	Web
The story is set forth in the 3 attachments below in which personal information has been blacked out. The first attachment is composed of 1 ) a screenshot showing acknowledgement of my XX/XX/XXXX inquiry concerning the non-payment of our real estate taxes from the escrow account ; 2 & 3 ) Two nothing form emails acknowledging the inquiry dated XX/XX/XXXX and XX/XX/XXXX ; 4 ) A letter dated XX/XX/XXXX stating that they were still pursuing an 'investigation ' of the issue. In my humble opinion, their 'investigation ' could be concluded with a 5 minute call to the County Treasurer ; and, 5 ) an email attachment dated XX/XX/XXXX claiming they had paid the original amount of the tax. Apparently it never occurred to anyone a Ditech that taxes paid nearly 4 1/2 months late would incur penalty and/or interest. The second attachment consists of my letter to Ditech dated XX/XX/XXXX. It addresses not only the unpaid real estate tax issue, but also the failure of Ditech to pay from escrow the premium on flood insurance that they forced us to purchase. There are several exhibits to this letter and I will be glad to provide them if needed. The third attachment consists of my letter to Ditech dated today, XX/XX/XXXX. It addresses the real estate tax and flood control insurance issues as well as my inquiry about a questionable payment from the escrow account. This letter also explains why Ditech 's supposed payment of the tax was ineffectual. Again, exhibits are available if needed.
07/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 333XX	Web
This complaint concerns a proposed short sale transaction involving the primary residence of borrowers in XXXX County, Florida. This complaint is filed by the law firm representing the defendants / borrowers in the subject foreclosure action. On or about XXXX XXXX, 2016 a complete short sale package including an offer and all the supporting financial documentation of the borrowers was submitted to Di-Tech as the current servicer for note owner, XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX, 2016, our law office was notified verbally that the short sale had been approved. However, on XXXX XXXX, 2016, the undersigned attorney received an email from XXXX indicating that the Mortgage Insurer on the subject loan ( XXXX ) would not agree to the short sale that had been approved by the investor on the loan. In fact, upon further follow up it was discovered that investor would not negotiate in good faith with Mortgage Insurer in effort to seek a resolution whereby investor would pay an agreed negotiated amount of net proceeds from the short sale to Mortgage Insurer, as is common and customary. Further, investor/ servicer refuses to provide the mortgage insurer contact information this law office in order that we may be able to help negotiate a resolution. Most recently, representatives of Di-Tech have not returned phone calls or emails. The basis of this complaint is the failure of good faith loss mitigation processing on the part of Di-Tech and XXXX XXXX XXXX XXXX XXXX XXXX.
08/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70769	Web
Since XX/XX/XXXX, Ditech has XXXX my accounts due to a changeover in their computer system. All of the accounts except for one has been corrected. Despite receiving all of my monthly payments on time, they state that I have not paid since XX/XX/XXXX. I have proof of payment as well as proof of their mismanagement. I get called by their collections department all of the time and when I explain the situation to them, they say that I am correct. And yet they keep calling. Just yesterday, a phone representative rudely asked why I did n't make my last payment, when in fact I did. The person stated that if I pay {$150.00}, then the rest of the unapplied amount would complete the payment and I would be brought current. I do not owe this money, but wanted to make this go away, so I paid anyway, even though money is tight right now. I think this amount is incorrectly charged interest and late fees. Upon paying this amount, they erased all of my payments since XX/XX/XXXX. I was assured on several occasions since XX/XX/XXXX, that they would straighten this out. Am I supposed to receive harassing and rude phone calls for the next 18 years because Ditech ca n't correct this? Is it Ditech 's wish to force default on a homeowner so they can take their home? Ditech, please take notice that CFPB is publically publishing this complaint. Since I had loans on this property for the last 10 years, I was never late nor am I late now. And yet I am being treated like a deadbeat by Ditech.
04/11/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77459	Web
I have had some health and financial setbacks in the last 2 years. I have been trying to get a loan modification from Ditech for over a year and a half. However here in the last month they have agreed to give me the Flex Modification which lowers my payment by {$200.00}. I tried to negotiate a lower interest rate but was refused. Currently I have 18 years till the loan is paid with a 4.37 rant. The mod offered will keep my current rate but extends the terms to 40 years. I really could not understand the 40 year extension and really don't want to sign to the extension. Also in the modification documents there's a clause that states I have to get written consent from the mortgager to sell my house, I wanted to know why such a clause was stated in the verbiage. If I should sign this modification, I don't want this clause to interfere with me refinancing in a year. I have talked to Ditech representatives which says I can refi at any time but will not state this in written in the documents. Ditech will not remove the clause stating I have to get written consent prior to selling my house. Also Ditech sent me letters that state they loan is being transferred. I have receive welcoming info from the suppose to be new servicer. Then Ditech called me to say the loan is not being transferred. I really don't who to believe considering all the bad reviews listed about Ditech. Ditech has filled bankruptcy twice in the last 2 years. Where do this put me and my loan perspective.
10/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55021	Web
My house had a flood. My flood insurance company wrote an advanced check for immidiate mitigation so i could afford to get the wet carpet and walls out. The check was written out to me AND the mortgage company. I never signed the back of it. I mailed it to my mortgage company with a sticky note asking them to sign the back and mail it back to me. I left my phone number if they had any questions to call me.. They told me the check was lost or written out wrong. ( it was written out to greentree, who was bought out by ditech. My mortgage broker said it was fine to have it written out to greentree ) I called flood insurance company and told them to cancel check and write a new one ( with ditech name on it this time ) I called ditech back and heard that my last payment was the amount of the advancement my flood insurance company wrote out to ME! I talked to someone else who told me it was MY FAULT for not calling ditech before sending the check and that I mailed it to the wrong processing department. They put the money towards my mortgage account and totally mishandled my money!! Now I 'm going to be charged a {$25.00} fee for THEIR mistake when that check is cancelled and bounces. Without my signature on the back, how were they even able to process it? I know my bank would tell me they need EVERYONE 'S signature in order to process it. Is n't this fraud? Did they forge my signature? How am I supposed to trust a company like this with further flood insurname checks?
08/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91784	Web
Except for a 3 year period between XXXX and XXXX I have paid additional principal amounts over and above the minimum amount due on my mortgage for the past 12 years. As a result of the increased payment amounts the loan is nearing payoff and according to my records the loan will be fully paid in approximately 8 months. All payments have been made on the loan on time and there has never been a late charge assessed by the lender during the life of the loan. After recently acquiring the loan and for the past 3 years Ditech has withheld applying the additional principal amounts they received each month by suspensing them in an " Unapplied Funds '' hold. By withholding applying the additional principal amount from the loan Ditech has increased the principal loan balance by approximately {$1000.00} and has increased the total pay-off amount of the loan by approximately {$4500.00}. There is an approximate amount of money in their unapplied funds account of approximately {$3500.00} not recognized in a pay-off demand statement. Ditech must apply the additional monies they received over and above the minimum amount due back to the starting date of their receipt of them 3 years ago and they must correctly re-amortize the loan to reflect the additional principal amounts they received. To date Ditech refuses to provide a detailed amortization schedule with running principal balance total and an accurate accounting of amounts currently suspensed in an unapplied funds account.
11/03/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30005	Web
About 13 months ago I filed a complaint with your organization related to Ditech Mortgage ( XXXX ). They promised to pay the homeowner association dues, it is on recorded messages, and they refused to turn over the takes. I was surprised that CFPD did not force them to turn over the takes because they lied. Because they did not pay the association dues I received a noticed from the sheriff office to leave the property ... forced to leave the property. I have repeatedly requested the recording to show that I was promised on several occasions by Ditech associate not to worry and they would take care of it. Today I am receiving letters from Ditech stating that the mortgage has not been paid in 18 months. I communicated to Ditech that the owner association has leased out the property, and they are not paying the mortgage. At this time Ditech has not resolved this issue, and the homeowner association is collecting money and not paying the mortgage. At this time I can not purchase a home because Ditech refuses to foreclose on the property and force the homeowner association to pay the back payments totaling approximately {$34000.00}. I believed that your organization was here to protect people like myself who does not have the resources to fight a big company like Ditech. Please help us now with this issue. Otherwise, Ditech will continue with this practice thus allowing the homeowner association to collect rent and not paying the mortgage. Please HELP! Regards XXXX
09/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 02062	Web
There have been numerous problems with Ditech ( sending estimates for escrow, calling it actual then changing their story two years later, sending me another consumer 's information, deducting money without authorization but not including it on statements [ that was revealed in one of their replies ] ) but the most recent is they have taken it upon themselves to change the terms of my mortgage agreement. The papers I signed state the payment is due every 30 days. When submitting extra payments this past XXXX, Ditech applied the payment incorrectly, as if it were 2 months ' payment. They claim the account was set up this way. I asked for a copy of the document stating this, they refuse to provide one saying there is no document. The documents I signed clearly state every 30 days, there is no mention of bi-monthly payments. For years, I sent extra payments electronically and never had an issue until this past XXXX. Ditech suddenly claims it is because I sent the payments electronically but that was never an issue before. Before paying electronically, I called them to see how added funds would be applied and was advised they would automatically go toward principal. However, Ditech changed something this past XXXX and began billing bi-monthly. In the end, I could not stand to deal with them any longer, there were just too many issues, and I refinanced. I remain unable to get a straight answer to why payments were suddenly changed recently. Thank you for your time.
09/20/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CO 80909	Web
Green Tree Servicing had our mortgage and we submitted paperwork for a loan modification several times and we were denied each time. Then Ditech took over our loan and we requested a loan modification with them and were denied, also. We submitted a request to our first mortgage and it was accepted, so we could n't understand why Green Tree nor Ditech would help. Ditech 's interest rate is 10.5 % and at one point we fell behind one month and we have that along with some late fees totaling over $ XXXX. We asked if the interest rate could be lowered and if the $ XXXX could be added to the end of our loan, but we 've been denied. We fell through some hardships and filed for bankruptcy in 2008, but since then we have tried to make all of our payments on all of our bills, but we 've fallen into other hardships and have become over extended credit wise, and my husband is sick and, although, his paychecks sometimes have overtime, there are many where he is short due to leave without pay, because he uses up his sick and vacation time due to illnesses. All we 've been asking for is for some assistance in lowering our interest rate and adding our fees tot he end of our loan. We ca n't refinance because we owe more than our home is worth and because of our loan and credit card debt. I 'm not sure if this is even the place to ask or if this is even considered a complaint and if it is n't, we would greatly appreciate it if you could send us in the right direction. Sincerely
04/23/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	WA 98406	Web
XXXX XXXX XXXX sold my mortgage servicing to Green Tree. Every since then it is taking XXXX3 weeks for my mortgage payment to get to XXXX, XXXX from XXXX, XXXX. They call my home before the XXXX and tell me I am late. Something is happening to the payment via mail. I do not want this company to debit my checking account for the monthly mortgage payment. This month I mailed my payment on the XXXXof of XXXX. Today is the XXXX and the payment is still not there. I have been sending my payment certified mail for the last 18 months. Please see below ; Tracking Number : XXXXImage of a progress bar displaying in-transit statusin-transitProduct & Tracking InformationPostal Product : Extra Svc : Certified MailDate & TimeStatus of ItemLocationXX/XX/2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXYour item departed our USPS facility in XXXX, XXXX XXXX on XXXX XXXX, 2015 at XXXX. The item is currently in transit to the destination. XXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXX XXXX, 2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXXXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXXBasically, I mailed my mortgage to GreenTree on XXXX/XXXX/15. It arrived in XXXX, XXXX on XXXX/XXXX/15. From there the post office supposedly sent it to delivery at GreenTree. However, the mortgage payment has disappeared. Most months it disappears for a week or so then it shows up. Something is wrong. I have 18 months of certified tracking show this problem. Please assist.
10/15/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA XXXXX	Web
DITECH CHEATS CUSTOMER OUT OF HIS PMI REFUND! Ditech Financial LLC received a refund ( {$95.00} excess PMI payment, from the XXXX ) on or about XX/XX/XXXX, after a closing on a sale. Ditech then sat on this money. It finally mailed a company check for the aforementioned amount ( my refund ) to me approximately one year later! I received the check on XXXX XXXX, XXXX, and deposited it immediately. It was rejected and returned to me, with the reason : CLOSED ACCOUNT In other words, Ditech wrote me a 'hot ' check! A letter to Ditechs office of record, ( in XXXX XXXX, MN ) regarding this matter was never responded to. Several calls to their listed contact number ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all XXXX ) have resulted in negative action to make good on this check. Ditechs Director of the Escalation Check Reissue Department, XXXX XXXX, in Ditechs XXXX, FL office, has consistently and deliberately blocked every refund request ( s ) turned in by lower-rung customer service individuals attempting to have the funds reissued and the matter closed. Given Ditechs history of Chapter XXXX filings, I can see why certain individuals in positions of responsibility choose to cheat every customer at any opportunity. Even though companies like Ditech cant change their stripes, they should certainly be held legally accountable for the deliberate cheating of their past and present customers, with a stern Caveat Emptor warning to future ones.
07/25/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NY 11422	Web
I am extremely exhausted and frustrated. In XXXX I truly fell on hard times and reached out to Ditech for a loan modification, I was told it couldnt be done because I didnt have enough equity in my home. I called XXXX and was relaying my problem to one of their associate when Ditech Called me back to say theyll do the modification because there was equity in my home.They offered to modify my loan and gave me a trial payment for three ( 3 ) months.In XXXX Ditech sent me the modification papers to be notarized which I did and return to them.Suzette out of Florida was the person communicating with.She informed me that the papers were received and the system was being updated and after such my statements would no longer show the arrears. The monthly statement were still showing the arrears and the amounts were different.When I received the tax paper for XXXX it showed that I only pay $ XXXX.as interest for the XXXX. In XXXX of XXXX I received a call from XXXX stating that he will be sending me modification papers to be notarized he gave me no explanation, however I had the papers notarized and returned to the address in XXXX called me on a Monday while I was at my doctors office to inform me that the notary didnt write the State on the papers so Ill have to do it again .I did 3 sets of modification papers to be told on XX/XX/XXXX That the dates have passed Ditech will not do the modification because it will increase my payments. PLEASE HELP I AM TRULY AFRAID
01/04/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	IA 526XX	Web	Servicemember
mobile home contract ended XX/XX/XXXX after paying 20yrs. now Ditech greentree states after contract ended, i still owe 8 thousand some dollars. all monies have been paid every month even after bankruptcy in XX/XX/XXXX and had been paying my original amount of XXXX and they came back and took me to court saying i had not made my payments of XXXX made me pay an additional XXXX dollars to keep my home on top of monies paid monthly. some months they had never even sent statements and monthly payment was paid.the only way more money can be owed is if my monthly payment was manipulated into complete interest instead of applied to the principal.. i have tried talking to them in the past and i get treated like an XXXX. also i have been divorced from my x wife that i bought the mobile home with for many years. have sent them my divorce papers many times over the years. since XX/XX/XXXX they have been sending my monthly statements in my x wifes name. ditech greentree does what they want when they want with no altenative for the consumer that uses their service. they recently sent a statement of default cure. i actually have been paying monthly since my contract ended just so i dont lose my home, now they want 5000+ dollars in 20 days or they are taking it. i can pay this off when i get my income return with my current wife but we feel that we shouldnt have too because our contract ended. x wife is XXXX, XXXX XX/XX/XXXX in XXXX texas. can not obtain XXXX certificate.
09/09/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 088XX	Web	Older American, Servicemember
I got dumped on this company ( Greentree Servicing LLC ) by XXXX back XX/XX/XXXX. They are trying to put me into a forced escrow account. It 's been a battle to no availe since XX/XX/XXXX.There is ABSOLUTELY no one to discuss the matter with ( only cust svc reps XXXX. I have paid all my required interest pymt, s on time w/add, l principal paymt, s. All my taxes are paid up to date. They are holding back my pymt 's and not applying my interest / and or principal pymt, s. To make a long story short ... ... ... ..they have implied and told me that they would start foreclosure proceedings on our property. I have NEVER been late with a mortgage pymt. THEY ARE ALSO IN THE PROCESS OF RUINING MY CREDIT!!!! They are saying that I.m not paying my mortgage. The issue is the escrow account I can elaborate further later on. I am XXXX yrs old XXXX ; as is my partner XXXX wife ) to be. I am XXXX a Veteran and we are ( were ) in the process of applying for a VA loan. This company has made a shambles of our plans. What they are doing, is unethical ; probably illegal and have from the beginning ; been unwilling to discuss this issue. YOU CAN ONLY TALK TO A CUST SVC REP!!!!!!! IT, S A JOKE ... BUT NOT. I HAVE ALL DOCUMENTED INFO ON MY PYMT, S, AND FROM THE LOCAL TAX OFC. By the way ; I believe this company has been practicing their tactic, s for some time. As we speak ; they, re changing their name again XXXX ... Please help us with any assistance you can provide us.Thank you
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VI XXXXX	Web
In XX/XX/XXXX, I requested that XXXX conduct an investigation into the false reporting being Done by my mortgage holder, Ditech Financials. Ditech Financials had been falsely reporting to XXXX, that beginning in XX/XX/XXXX and ending on XX/XX/XXXX, I had been defaulting on my mortgage note. As a result of this false reporting, my credit report precipitously decreased from XXXX down to XXXX. If Ditech had done any sort of investigation, it would have learned that my mortgage was paid automatically by my bank before the XXXX of every month for the entirety of the loan period. It would have learned that Ditech had been misapplying the payments to another mortgage account I held. Ditech did not have a proper accounting and servicing system that would and should have prevented Ditech from misapplying funds from one mortgage account to another, particularly since the funds had been paid automatically by my bank for the duration of the time Ditech serviced both loans. Instead, XXXX simply changed my credit report to closed and transferred to XXXX which had assumed the mortgage from Ditech. I disputed the matter with XXXX which ceased the false reporting and conducted an investigation. It's investigation caused Ditech to repay the monies to me and I in turn paid the monies to XXXX which brought my loan current. XXXX was unable to fix the false reporting of Ditech, its predecessor. XXXX violated its investigatory responsibilities of the Fair Credit Reporting Act.
02/29/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 95503	Web
Today, XXXX/XXXX/16 I went on Ditech.com the company who services my loan to make a payment on line and received an error message on each attempt I made to make this payment on-line. The screen error is attached. I then called the XXXX number and was routed to the automatic payment by phone. I again was not able to make a payment by phone. At this point I was router to a customer service rep. the customer service rep. said she would process the payment and stated it would be a {$12.00} convenience fee. I said on the web it was {$10.00} and she then stated this is why it is not working on the web or on the automatic phone. At this point I had wasted XXXX minutes of my morning, I asked for the fee to be waived, she replied no. I asked to speak to a supervisor, they supervisor XXXX said she could not waive the fee either. I said fine I will pay the fee and I am filing a report with the CFPB, magically the fee was then waived. I am not sure if they broke any laws however it is making it difficult for consumers to make payments, based on the fact they offer an on-line payment and pat by phone and neither was working you would think out of common courtesy they would waive the fee until it was fixed, especially because the fees showing on the web and spoke on the phone are different from what they then tell you when you speak to a live person. Not to mention they also got statements out late which on their message when you call in and final XXXX out late as well.
10/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 01701	Web	Older American
I had a mortage with XXXX for years. XXXX XXXX, they transfered the loan to XXXX mortage co. After a year with XXXX XXXX Ditech bought them out. 2 weeks before loan transfered to Ditech I made a payment of {$5800.00} to XXXX on XXXX XXXX, XXXX. This brought the loan current and a little over. When Ditech started billing me on XXXX XXXX. XXXX they billed me for the {$5800.00} that seamed to have gone missing. I should have started with a clean slate with Ditech. I have been on time and current with every payment since XXXX and refuse to pay the lost money. As a matter of fact, I over pay every month by {$50.00}. I called dozens of time to clear this up and was always assured this would be looked into. I have tried to follow up, left messages and talked to new people again telling me it would be looked into. Not ONE person has called back. The last person I talked to at Ditech XXXX XXXX XXXX told me my account was so messed up he could n't make heads or tails out of it.That was a month ago. Ditech has also been holding checks for up to 2 weeks making sure myself and others go past the due date so they can collect late fees. If the bank sends my check the XXXX of the month and Ditech get it the XXXX, why would they hold it until the XXXX, ( day after due date ) to cash it? This has become a common practice for everyone involved with them. They only take personal and cashier checks, no electronic payments, that enables them to cheat people out of their money.
06/17/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 85351	Web	Older American
I have already filed a complaint with is company to no avail. Ditech complaint # XXXX. I have spoken to numerous persons with the company many supervisors. XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX they have all tried to contact and emailed XXXX XXXX whom I received a letter from ( should be on file ). They statements made in the letter were never followed through with. According to the persons I have listed and spoken with I still have an outstanding balance of {$4300.00} and to date am 168 days overdue. XXXX XXXX has never contacted me or taken care of the OVERPAYMENT that was made by me when the loan was paid off. I understand from the letter that he has forgiven the moneys owed, however I NEVER OWED ANY MONEY. Ditech owes me money. I have been told by the title company and my C.P.A that I overpaid close to {$2400.00}. I have been trying to get this settled for close to 3 weeks. In the letter he states it will be settled within 1-2 weeks. Well I am going on 3 weeks and nothing has been settled. I have been very patient and trying to avoid paying an attorney to take care of this matter ( I have already retained one ). I will give Ditech 10 days to take care of this matter, and return my overpayment. I will then persue my only other option. This has been this worst morgage company I have ever delt with and will continue to persue. They are wrong in this matter and SHOULD be reported as I am doing, for all there illegal doings. Thank you, XXXX XXXX
12/18/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	AZ 85225	Web	Servicemember
Satisfaction of Lien/Closing Documentation Error This is a request for assistance with our prior mortgage servicer ( Ditech LLC ) about documentation error done at closing. We inquired about corrective action not taken on our Satisfaction of Lien/Closing Documentation by Ditech to date. Weve contacted Ditech, XXXX XXXX XXXX XXXX, XXXX AZ, XXXX, XXXX, Customer Service on two separate occasions. Here are the dates, times and individuals spoken with about this issue : > XX/XX/2018 - XXXX : spoke with XXXX about Satisfaction of Lien has not been corrected with XXXX 's name ( recorded as XXXX ) > XX/XX/2018 - XXXX : spoke with XXXX about pay off date ( XX/XX/2018 ) informed her spoke with XXXX ( XX/XX/2018 ) about Satisfaction of Loan error. She stated task still has not been performed as of this date. The attached paperwork clearly states the correct name of " XXXX XXXX XXXX except for the Deed of Release and Full Reconveyance showing her name as XXXX XXXX XXXX recorded with XXXX County Recorder incorrectly. We request extremely urgent corrective action be taken and not wait 30 days from the date of this message ( as deemed by CFPB guideline ). We have surpass the 30 days guideline which expired XX/XX/2018 when initially contacted and again XX/XX/2018 as well as have been very patient. We are considered if not already or the very near future XXXX 's credit maybe affected in a negative matter. Respectfully, XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX
05/02/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 34113	Web	Older American
I live in XXXX, Florida and we were hit by hurricane Irma on XX/XX/XXXX. I had to make a costly evacuation to northern Florida to evade the storm. I suffered significant damage to my property and was unable to work for a month due to the aftermath of the storm. I received an email from my lender, Ditech Financial LLC which I still have, stating that they would be offering assistance to those affected by this storm. Specifically, as well as other kinds of assistance, they offered repayment plans and forbearances for up to 6 months. I immediately contacted them and provided all the paper work they required. They verbally said I was approved for a forbearance and would provide the necessary documents to conclude it. By this time I had not paid my mortgage for 4 months ( XXXX, XXXX, XXXX and XXXX ) for a total for slightly over {$10000.00}. I began to pay my mortgage in XX/XX/XXXX when I was told to do so. I was led to believe that this would be a forbearance but to my dismay it turned out to be a subordinate mortgage funded by FHA. I only realized this when I went to refinance my existing mortgage with Ditech, and they turned me down because of poor performance on my loan. The problem is that Ditech reported my mortgage payments late to FHA which was inaccurate. I can no longer get an FHA loan due to their deception and inaccurate reporting. My credit report shows no delinquent or missed payments to this lender which makes this more frustrating.
11/06/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	VA 23832	Web
During my bankruptcy modified my home loan with Green Tree now known as Ditech. I was informed my payment amount of {$1000.00} and paid that amount every since XX/XX/XXXX as advised by bankruptcy attorney and Green Tree. I've never missed a payment since. My bankruptcy was discharge in XX/XX/XXXX. The next month I received a letter from Ditech stating that I haven't made a payment since XX/XX/XXXX. That simply isn't true. I have the proof with my banks and Ditech also have indicated on my payment history which is on their website the receipt of the payments. If I mail a payment via 1st class mail they don't process the payments sometimes for up to 2-3 weeks. I attempted to make a payment in XXXX and again in XXXX but was unable because they demand a payment of {$5200.00} for months that I have already paid. During the bankruptcy the mortgage statements came voided of any information up until XX/XX/XXXX. Every time I called the phone never prompted the ability to leave a message and just hung up. I finally spoke with a representative on XX/XX/XXXX, XXXX, and he also indicated that he didn't understand the reasoning for the letter and gave me fax number and address to send a written dispute. This matter is very stressful and reeks of predatory loan practices. I view over 3,000 complaints about this organization-XXXX-Green Tree-Ditech- and am very concerned. Please help me to resolve this matter. Thank you in advance for investigating this matter.
08/23/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33024	Web
According to Ditech I had since XXXX XXXX late fees. I ca n't understand how I would have late fee if I always if paid late sent in my mortgage with the late fee included. They decided to apply these fees how ever they liked and never reduced the late fee charges. If you look at my attached documents you can see approximately around XXXX of XXXX I started to send extra payments to catch up to everything and anything I was late in. I called customer service and they went over the statement and even gave me a breakdown of how I can pay everything in full so that the account can be up to date. From XXXX XXXX thru XXXX XXXX I made all the overage payments along with my regular mtg payments ( my mtg is {$1700.00} per month ). After I did all this, I continued to see that I had more money owed, in other words, my balance continued to increase instead of having my regular monthly balance that I owed each month. When I called again around XXXX XXXX I again asked them to give me the total to complete in full any negative and I once again did the same. This time they told me it was due to an escrow that forced on my account without me ever, ever escrowing in this account. When I thought I brought everything current ( which was a total in XXXX XXXX of {$4900.00} ) and made my XXXX payment I received another letter stating that the payment was a partial payment and that I owed them {$3400.00} and they would take legal action ( I attached those documents as well ).
02/08/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MD 206XX	Web
Ditech gave me written approval for a loan modification, then came back right before the third trial payment and stated VERBAL by way of a phone call that they modification should have not been approved ; stating that there was a glitch in the system why it got approved. I have submitted all of the trial payments on time, then they voided out the modification and it was apparently listed as cancelled in the system because it would not allow their customer service representatives to process my XXXX XXXX, 2017 payment. I called several times, leaving messages in the mailbox for the account representative assigned to my case, and also the the non-profit company that assisting me with the making home affordable program contacted their contact personnel by email on several occasions without any response. I called back on Tuesday XXXX XXXX, 2017 and demanded to speak to a supervisor. At that time I was informed that " the underwriter went in and placed some notes '' in my file. I was then able to make the XXXX XXXX, 2017 payment. Ditech has been very fishy with responding or giving information or clarifications when requested. In addition cancelling the modification twice with no concrete reasons, or justifications, then blocking the account so that payments can not be made? i have then all that is being requested of me ; as within my abilities to secure a modification.Then to make matters I was advised that they had a pending sale date of XXXX XXXX, 2017.
04/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95301	Web
Green Tree financing has had an equity line of credit on my property in Ohio. In XXXX XXXX, they bought the primary mortgage from XXXX. Green Tree doubled the payment on the equity loan in XXXX XXXX. I filed for loan modifications on both loans, the equity interest rate was dropped, but the primary loan was offered to extend back out to a 30 year mortgage at 6.875 %. I did not take this and asked for the amount to bring the mortgage current. I did a pay by phone payment on XXXX XXXX XXXX for {$4600.00}. This was to bring the mortgage current through XXXX XXXX. Green Tree did not credit the amounts to the account. I have made several calls to clear up the matter, but am being told that they have no record of a {$4600.00} amount. I was told I did n't send in a XXXX payment, but when I produced a receipt, they asked for a couple of weeks to clear their records. Green Tree also said I would continue to accumulate late fees and I should be fine to pay them. I did get letters dated XXXX stating that both loans were in good standing and were current. Today I received a loan modification packet stating I am 30 days past due. During one of the conversations, XXXX from Green Tree said " I needed to understand that her investors did n't care about the equity loan and just wanted to foreclose on the property because they could make money ''. I would refinance to get away from Green Tree, but the value of the home is still less than the combined mortgages.
03/01/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CO 81004	Web
XX/XX/2017 Ditech 's Collection rep told me I had to be delinquent 90 days before I could apply for a Loan Modification, I told her that that wasn't true and she argued, so I asked for a supervisor to call me, that never happened. I called another time and the rep in Florida told me that the loan qualified for a no document modification, but then we never received anything regarding any type of modification, not even a payment plan, nothing. So besides our rights being violated in tying to miss leading me into not making any payments, I feel that statements should be accountable by the person 's representing the company and our loan should be modified to a 2 % fixed rate and forgivable default balance, and due to the lead, radon, plumbing, brown rockrose infestation and house foundation collapsing., that the principal should be lowered also. I've put 4 years in chasing all these problems I don't have money fore. I have found a few county programs that would help but I need these conditions meet before I move any further, its so hard to make a representative listen and understand the situation of a home owner in distress. The rep 's are only concerned about there bonuses that make there pay, I know this because I worked for GreenTree in the past, there are motivated by losing there pay down to minimum wage if they aren't good enough to collect with out foreclosing on hard working people that are going through a little bit of a hard time in there life.
01/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 295XX	Web	Older American, Servicemember
The property associated with this Ditech loan was sold on XXXX XXXX, XXXX. The attorneys who closed on this loan asked for a payoff figure which was provided by Ditech onXX/XX/XXXX. The payoff amount was {$150000.00} and was good through XX/XX/XXXX. At closing on XXXX that amount was deducted from my proceeds and was wired to Ditech the same day. Even though Ditech knew the loan was closing they funded a flood insurance policy on this property which is a condo and is covered by the HOA flood policy. The charge for this policy, on the contents ONLY of a two bedroom - two bath condo that was closing for {$170000.00}, was {$4500.00}. That policy was never provided but a policy that they later charged me for was charged at {$110.00}. Their claim is that because the {$4500.00} was taken from my escrow account on XX/XX/XXXX it made the payoff amount received too little to close the account. They decided to keep charging me for escrow payments on this condo that I do not own and have even paid the County taxes for two years and have charged those to me even though the County has returned at least one of these payments which they have not credited back to the escrow account they are still using for the condo I no longer own! The attorney that represented me at closing has tried to correct this, I have tried to correct this but they continue to charge expenses for this condo that I do not own and make harassing phone calls and will not close this account.
08/05/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	MO 63033	Web	Older American
I purchased on home in XX/XX/XXXX that had a 1st and 2nd mortgage. In XX/XX/XXXX unfortunately we tried to do a deed in lieu of foreclosure. It was approved by the first mortgage holder XXXX XXXX XXXX and they offered Green Tree Servicing XXXX XXXX XXXX XXXX XXXX {$6000.00} to release the lien. They requested documentation and all requested bank statements, etc was sent over multiple months. Eventually XXXX cancelled the Deed in lieu because of the delay with Green Tree and ended up foreclosing on the property. I received a phone call from Green Tree months after the foreclosure saying they would like to settle the account for {$6500.00} with no need to send in any documentation. I did not have the funds to settle and I asked why they did not take the offer when XXXX made it to settle and the response was that Green Tree is slow in responding ( which should be unacceptable in these situations XXXX. I submitted a letter to Green Tree offering to settle the account for {$3000.00} which my daughter was providing to me. I sent 2 cashier 's checks ( {$2000.00} and {$1000.00} XXXX at different intervals ( back to back months XXXX. We did not hear from Green Treee after that until recently when I am being sued for the full amount. These practices should not be allowed to occur. Because I had to retire from work, I lost my house. XXXX offered to pay the settlement to Green Tree and because of the procrastination by Green Tree, I ended up having to foreclose.
10/25/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 63368	Web
Ditech sent my Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX. Section 5 of that statement is a table showing " What Happened Since My Last Escrow Review. '' The column titled " What You Actually Paid to Escrow '' is missing an entry of {$260.00} for the month of XXXX. This number plays a key role in arriving at my true shortage. I wrote a complaint letter to Ditech on XXXX/XXXX/XXXX and received Ditech 's response on XXXX/XXXX/XXXX. In its response, Ditech states " Please note that as of XXXX XXXX, XXXX, a payment had not been received ; therefore, the monthly escrow payment of {$260.00} was not reflected for XXXX XXXX, after the analysis was completed. '' Failing to insert this number for XXXX XXXX inflated my total shortage by {$260.00}. I disagree with Ditech because I have never missed a payment and although my payment due for XXXX XXXX, XXXX arrived XXXX/XXXX/XXXX ( after the XXXX/XXXX/XXXX analysis date ), Ditech should have inserted $ XXXX ( expected payment ) for XXXX XXXX, just like the entry for XXXX XXXX. I wrote a second letter dated XXXX/XXXX/XXXX asking Ditech to reference its position within RESPA 's Regulation X and Ditech refuses to respond. I presume Ditech may not have responded as it is claiming this t be a " Duplicative Notice of Error '' ( 1024.35 ( g ) ( 1 ( i ). Even if this is true, I still believe they are required to notify me within five business days of making such a determination ( 1024.35 ( g ) ( 2 ).
01/15/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	MA 019XX	Web	Servicemember
On XX/XX/2019 I received a letter from XXXX XXXX XXXX. that Ditech my mortgage was going to foreclose on my property. I called Ditech on the XXXX on why they were going to foreclose on my property they said that I went over 120 days and they are going to foreclose I told them that I did not go over 120 days and they said I did .I told them that I was three mo behind not four she said I did not make XXXX payment I told her I did. I called in to make my payment and Ditech is so pose to be open on Sunday I calld on XX/XX/XXXX and they said that they were closed I called XXXX XXXX and made the payment that way.when I called on XX/XX/XXXX to see if they received my payment they said that they did on the XXXX th. I called XXXX XXXX and they said they payed Ditech on the XXXX of XXXX. I called Ditech with the info and they said they would get back to me when they found my payment.They found my payment but they would not let me make The XXXX payment to they cleared it up.They also were to fix my credit report and take care of the fees because it was there fault.After numeris calls they took care of the fees. but did not clear up my credit report and it did cause problems with my credit. Ditech sold my Mortage to XXXX XXXX and XXXX XXXX said I owe them XXXX for the Attorneys fees and some outer fees.I have a statment that says I do not owe Ditech any money.I am A senior citizen and a XXXX veteran I should not have to go through this with mortgage companys.
07/10/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NE 681XX	Web
I previously filed a complaint against this mortgage company back on X/XX/17 the complaint number is XXXX on X/XX/17 we were notified by the company that our papers would be delivered to us no later than X/X/17 which they did arrive on that day. My husband then signed all the papers and had them notarized and sent them back on X/X/17. approximately on X/X/17 we received another set of papers that had a totally different amount for monthly payments and my name on the mod. papers which should not be since I am not on the loan, just my husband is. We disregarded those papers and waited for ours to be mailed back. This never happened we ended up having to call a rep again, and at first said they never received any papers until my husband said that is impossible I sent them back on XX/XX/XXXX and I have copies.. then they all of a sudden found the papers and said they would send them back in 7 business.. That never happened instead we had to contact them again and then they claimed the ones we sent back were wrong because I was n't on the first docs. ( I am not on the loan why would I be signing any of those papers ) and the payment is wrong, the original loan mod we agreed to and signed gave us a payment of {$780.00}. They want to arbitrarily change that to {$850.00}. You can understand why we are angry and upset and concerned that they are trying to take advantage of us. My Husband would also like the {$10.00} he had to pay for the notary reimbursed.
01/04/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33543	Web	Servicemember
My house was placed into foreclosure status with a sale date of XXXX XXXX, XXXX. I have been working closely with DiTech to modify the mortgage and avoid losing my home. I submitted ALL required documents via fax in XXXX XXXX. DiTech agents went back and forth with me for weeks requesting duplicate information. On XXXX XXXX, XXXX a DiTech agent advised me that all documents were in and would be forwarded to loss mitigation and the sale date would be postponed. To date I have been unsuccessful reaching anyone to confirm the status of my application ; no one answers or returns my calls. I contacted XXXX in XXXX for assistance ; today XXXX XXXX, XXXX, the representative and I learned today that DiTech needs XXXX additional documents to consider moving forward with the modification.Further, the representative was concerned that precious time passed and at this point I have not received any significant feedback. DiTech has not communicated with me effectively, I have been misinformed, not given the correct information or asked for duplicate information. I had adequate time to settle this matter with DiTech, because of their lack of concern I am not days away from foreclosure and no one to help me right the wrong DiTech has caused. I am in a desperate situation and I simply request that someone intervene in the process to allow time for the modification to be reviewed. I am running out of time, and simply can not afford to leave another unanswered call.
06/11/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NV 891XX	Web
The company formally known as Greentree Servicing LLC, now Ditech Financial, has sent information to XXXX stating that I am late on payments. The account they are alleging is late in payments was closed in 2013 after successful short sale. They sent me notification previously, which I will provide you, stating my account was paid in full and the deficiency was waived. They fraudulently reopened this account previously, damaging my credit score at the time, after which I contacted the CFPB and you ( the CFPB ) were able to contact them and have them send me notification of their erroneous re-opening of my closed account. This should have been an apology, but I accepted their acknowledgement of their error expecting the matter was resolved. Now, again, under the name Ditech Financial ( Formerly Greentree ), they have again fraudulently reopened an account and have sent this erroneous information to XXXX Credit Bureau and are claiming fraudulently that I owe over XXXX dollars to them. This is very stressful since they did this to me once previously and now are trying to do it again. I would want them prosecuted and punished to the full extent of the law. They have disrupted my life and caused undue stress and hardship emotionally due to their irresponsible, fraudulent, libelous behavior. Please help me to resolve this again as you did before. I will attach the necessary documents so you can clearly see what they have done. Thank you for your help.
07/26/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC XXXXX	Web
My original mortgage company Ditech sold/gave my mortgage to XXXX XXXX. At no point have I ever been late on my mortgage nor had any issues that have been presented to me, discussed, nor a bill sent to me from ditech I received a letter from XXXX XXXX stating I owe attorney fees to Ditech from XX/XX/2018. I have never received anything from ditech except my regular monthly mortgage bill. It wasnt until my mortgage was sold did I receive a bill from XXXX XXXX. We have asked XXXX XXXX, twice, to review and send me information concerning where this came from. Below is a copy of the letter/email they sent me after their supposed review. Dear Valued Customer, Thank you for contacting us. We have received your recent inquiry in regards to your mortgage account. Our records show that the corporate advance fees are attorney fees that were assessed in XX/XX/2018, by your previous servicer, Ditech. Unfortunately, we are unable to waive corporate advance fees or fees that have been assessed by your previous servicer. We apologize for the inconvenience. Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. Please feel free to contact us if you have any additional questions. Sincerely, Customer Support
12/20/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 27587	Web
I filed bankruptcy in XX/XX/XXXX with the offices of XXXX. Greentree at the time was my mortgage company. They were charging me more and more money every month then tried to foreclose on my home that i purchased in XXXX. I was harassed constantly prior to filing bankruptcy. They sent police officers to my house more than once and even called my neighbor across the street to look for me to let them know they were trying to reach me because i was behind a payment. Now they have merged with Ditech who my mortgage has been turned over to and i had damage done to my home in XXXX from a hurricane. XXXX ( my insurance company ) has come out to my home and wrote me a check for {$5500.00} to fix the damages. It was written out to me and Ditech and i sent them the check on XX/XX/XXXX certified with a XXXX form from the man that will be doing some of the work that was needed to be done immediatedly and i still have not received a dime from them. I have just about had it with both of these companies abusing me. Please help me in anyway you can. I have contacted XXXX office and they have stated there is nothing they can do to help. I have contact the FTC and my next step is the XXXX. As of now my home has damaged skirting underneath and over the week my water pipes were frozen for 3 hours. There are 10 other mobile homes on my block that share the same well and if my pipes burst none of them will have water. Again, thank you for your time. Sincerely, XXXX
09/21/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 957XX	Web
Tuesday, XX/XX/2016 To whom it may concern ; After I refinanced my house under HAMP, my property taxes were impounded by the mortgage company despite my low loan to value ratio. After 6 years of good payment history on my part, the lender informed me that THEY had not been collecting enough to cover my taxes. During this time of " under paid '' taxes I had sent a minimum of double what they told me were my mortgage payment obligations. Now that they have discovered their mistake they have told me that they will be tripling my payment to collect the difference. Their mistake is putting me in jeopardy of losing my house! I have tried to work out this issue with the lender, but they refuse to re-amortize my loan, and are demanding the tax deficit be repaid over 6 months, putting me in this difficult position. What makes this situation truly outrageous is that I sent more than enough money to cover my mortgage and taxes during the time in question, but because of their mistake they did not allocate enough money for my taxes. When I paid the taxes myself I did not have this issue, but now, thanks to their " help '' I am faced with a mortgage that will be difficult for me to pay. If they were trying to steal my house they could not have come up with a more effective scheme. Please help. I have spent the last 6 months ( XX/XX/2016-XX/XX/2016 ) trying to resolve this issue myself with no results. mortgage info below : Ditech ( XXXX Ditech Company )
06/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL XXXXX	Web
Loan was sold from Green Tree to Ditech, horrendous customer service and my account specialist dropped off the planet for two months before we were able to communicate about my situation, she was nonchalant offered very little options. 3 mos after my verbal attempt to do a modification, sent all documents requested they said I did n't qualify because I had XXXX already at this point I 'm now four months in the rear with payments. Green Tree never paid my property taxes, I had to retrieve the lien for property taxes unpaid, And they cancelled my insurance. In XXXX I received my default letter of course, no sale date but foreclosure threat. No written documents informing me that I was in an active foreclosure status. XXXX still nothing, I asked for a pay off which was never received by myself or the mortgage broker but we were told it was sent and had expired already and a new one would be higher and the attorney fees in the amount of XXXX XXXX dollars, even if the past due payments are less than XXXX XXXX on today XXXX/XXXX/2016. I so stressed from the ordeal, I ca n't sleep and its affecting my XXXX just getting through the IVR for customer service, after an hour on the phone verifying account specifics and your concern the call conveniently is disconnected. Each time the account is updated the same personal contact info is given, but no one called or wrote to advise me that they entered my home, took pictures and placed a lock box on my door.
03/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 150XX	Web
My mortgage company has forced us to escrow our taxes into our mortgage last year and just received a certified tax document stating that taxes were not paid for XX/XX/XXXX. When I contacted the mortgage company, I was transferred from one person to another, each stating that it is paid electronically every month and when I wanted to have proof sent to me, ( cancelled check copy, any kind of copy ), they stated that they ca n't do that. I advised them that the late tax document stated if that it was not paid by XXXX XXXX, XXXX additional penalties will be added on and if not paid by XXXX, our home will be put up for auction proceedings. After going thru quite a few people, I was given the tax dept of the mortgage company and the advisor said that it will be paid within 5 days. I asked why it was n't paid and they advised that " it slipped thru the cracks ''. I can not believe he said that. I told him that I want a copy of payment..this should n't be happening. Now, my home insurance company called and advised me that the same mortgage company called and said that they are going to do the homeowners insurance thru them ... we DID NOT give them permission to do that. We would never drop our current homeowner insurance provider. This has to be illegal!!!! What can we do to protect ourselves against this illegal activity..We pay for the escrow every month along with our mortgage and they are not even paying the taxes..they are keeping the money!
12/01/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 793XX	Web	Servicemember
on XXXX 2015, I received a letter from GreenTree stating that they ( XXXX ) at XXXX extension XXXX would help us with our home property to be inspected and condemned as unliveable due to the poor condition of the house. On XXXX 2015, I got a call from XXXX XXXX with Greentree now Ditech president 's office ( XXXX XXXX XXXX ) at same number not sure of extension. She informed me that I would need to get the XXXX XXXX Housing Authority or Appraiser or commissioner to help with the inspection because Greentree only does outside inspections not inside inspections of the house. Sir, I have tried to get XXXX XXXX Appraiser, City and Commissioner to help, but no one knows how to go about helping us condemn the house because they have never heard of such a thing. Please help us to know how to approach this situation. Right now we are being charged exorbitant home owners ' insurance on the vacant house because it is in a vacant or abandoned situation which we did not want to move but we had no choice since the house was very detrimental to our health and our children 's health. Please help us to avoid further exorbitant insurance costs in fact by the end of XXXX the insurance company XXXX is going to assess a rate hike because they said they can do it? Please sir, the cost of insurance on a falling apart house is not worth the cost of carrying insurance on it. In fact the house payment is probably less than the cost of the insurance at this point.
10/27/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91352	Web
Lender had orchestrated an outcome I lost the property title as a collateral for the mortgage, but kept the obligation. If not required by lender it would not have happened. I would not grant title to anyone if not relieved from the Promissory Note. The " sale '' simply would not proceed. I expected and trusted this lender to be a safe process same as sale when escrow holds docs and swaps them at the right time. Perhaps lender wanted to forfeit all interest-only paid by now forcing refinance instead of assumption or its been other form of long term strategy. Lender kept dragging it for 3+ years bouncing between departments without resolution. This would not go that far if in the beginning of XXXX they would simply approve modification or allow for short sale like with everyone else in this country. We have applied for help in the right order. The outcome is lender refused to transfer balances to the new owner and breached the assumability of the loan document. It bears some commonality for modification scam when I applied for it and more than a year later been directed to assumption package instead, and it required signing over the title to someone else. Main issue : Why lender encouraged us to perform an assumption instead of completing modification/short sale? Why lender did demand transfer of property title in order to file assumption package? Main damage : I cant sale now to pay off balances, because I am no longer on the title.
08/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60559	Web
Dear Customer Service Department, This is pertaining to the package dated XXXX XXXX, 2015. The information included does not address the fact the payment being billed for PMI has increased and does not coincide with the documents signed with XXXX XXXX. Also, it states that Green Tree has not completed an analysis since the service of the account, however, in prior mailings, it indicates otherwise. Additionally, a payment remittance has not been received for the second month consecutively, which further solidifies the mishandling of the account. Consequently, on your Green Tree 's own website, it displays how the escrow account is used for various payments and how it could potentially change from year to year. Listed are taxes ( which I pay directly to the county ), insurance premiums ( which I pay directly ), but no mention or PMI. If my PMI has been predetermined based on my refinance with XXXX XXXX and should not be modified, then why is there a change when the factors provided do not apply to my circumstances and or loan? Lastly, it states in the same package dated XXXX XXXX, 2015, that all RESPA letters should be sent to XXXX XXXX, SD. Sending correspondences via the mail are very problematic as my experience has shown that documents are either not received and or not annotated not in sufficient properly. I am paying accordingly to what the documents in the refinanced stipulated, therefore, anything additional would constitute fraud.
05/01/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	IL 60617	Web
XXXX/XXXX/XXXX I am writing this letter on behalf of the lack of concern, underhanded tactics, a total disregard and disrespect of customers, conduct unbecoming of professionals whose job is to deal fairly and justly with customers facing financial hardships, regardless of the cause of the hardship. On XXXX/XXXX/XXXX, I filed a Chapter XXXX bankruptcy in an attempt to get a handle on my debt. I received a letter from Green Tree Servicing LLC, informing me that my loan was being transferred from XXXX XXXX to their company and would be in effect on XXXX/XXXX/XXXX along with my new account number and the mailing address. The bankruptcy was discharged on XXXX/XXXX/XXXX, but I kept receiving monthly billing statements and was paying them because I was told that I still had to pay because this was owed and if I did n't, I could very well lose my home. On XXXX/XXXX/XXXX, I made a decision to see a credit counselor to try and clean up my credit. When I received a copy of my credit report, both Green Tree Servicing LLC and XXXX XXXX XXXX appeared with the same outstanding balance of {$25000.00}. I requested that XXXX investigate and correct the account. I made payments to Green Tree Servicing LLC from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX in the amount of {$3900.00} ( USA Dollars ). I attempted to to speak to Green Tree Servicing LLC concerning the matter, but, I was given the run around and told that someone would contact me but no one ever did.
07/24/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20716	Web
I have sent information to CFPB about a year ago and did not hear back. That is why I am submitting a NEW complaint. I had to handle the situation on my own! Back in XX/XX/XXXX, I had a servicer called Green Tree Mortgage who contacted me about the new terms and conditions of my loan. My loan was sold to Green Tree from XXXX XXXX XXXX. I was offered something completely unacceptable and went through a 2 year process back and forth in an attempt to get a loan modification. I sent complete packages and was repeatedly denied. Finally, in XX/XX/XXXX, I asked IF I could short sale the property and was told the ONLY way I could do this is to stop paying on my loan. I did NOT want to do this but was told they would release me. But this was a ploy to destroy my credit and foreclose on the property. Early this year, I met with representatives of Ditech, their attorney and the XXXX XXXX County Circuit Court in XXXX XXXX, Maryland. It was discovered during this meeting that Ditech improperly advised me on procedures for completing a short sale. The damage has been done and they also want me to adhere to a promissory note. I should be released from the promissory note. I no longer have the property, it was sold for the current appraised value so they have been paid and made whole! Therefore, I am putting in a complaint against Ditech Mortgage ( formerly Green Tree ). Can you assist me? I want restitution for the damage they have done to me! XXXX XXXX
07/11/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 404XX	Web	Older American
When our home mortgage was transferred to Greentree Financial we did not receive a notice that our mortgage had been transferred from XXXX XXXXXXXX until we had already Made the current payment to XXXX XXXX XXXX. XXXX XXXX XXXX did not transfer the payment to Greetree. We disputed errant application of the payment, sent faxes with documents but never got it resolved. Green tree trans freed the loan to DiTech Financial. In XX/XX/2019 I XXXX XXXX spoke to a DiTech representative who said that if I made Payment of {$1900.00}, which was {$500.00} more than the original payment of {$1400.00}. for three months, that missing payment would be caught any interest incurred would be added to the en of the 30 year loan. The loan was subsequently transferred in XX/XX/2019 to XXXX. Today, although XXXX had been authorized to deduct the payment, in XX/XX/XXXX and XX/XX/XXXX they failed to deduct the payments, when I called to correct their oversight, which I also did in XX/XX/XXXX ( the payment was deducted on XX/XX/XXXX instead of XX/XX/XXXX as authorized, I was told that DiTech had not applied the money to that disputed payment. They applied that {$1500.00}. To escrow and other charges they could not specify Our loan # isXXXX. Please help, we are senior citizens retired with health problems. My wife has has XXXX twice, XXXX XXXX and a XXXX XXXX and I need XXXX XXXX. We are on a fixed income, trying to do the right thing. Sincerely, XXXX XXXX XXXX
05/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 295XX	Web
Ditech accepted a settlement offer of {$1900.00} in XXXX of 2018. We had to pay it by XX/XX/2018. I followed all directions as to how, where to send it, all. I have payment confirmation and signature confirmation they received payment in the XXXX of XX/XX/2018 by certified check. Ditech has payment received XX/XX/2018. We were told that the money was applied to regular payments instead of a payoff. They apologized but never got it straight. We were told due to conversion they were having problems. Told so many things. We have had continual problems since. All three credit bureaus have received negative reportings of 120+ days every month late since except one showed 90 days I think. We have contacted Ditech numerous times, almost monthly to get this straight. One month. XXXX was corrected, I think, that was all. We have documentation to prove, names, dates and times of phone correspondense. We have asked that the reporting stop months ago. We are still receiving calls, bills, and trouble with them trying to collect as well as the false reporting on the credit bureaus. Yesterday i was denied credit. My credit rating was badly affected. I filed disputes on two bureaus yesterday and will file the other today. Ditech should have this act closed, paid in full, and no negative reportings since settlement was accepted. Ditech has been contacted and told of this over and over and over for months! STill have not received title to property either.
04/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91711	Web
My loan servicing company, Ditech, undertook a process which is described on their voicemail system as a " system upgrade '' that was to run from " XXXX XXXX, 2016 through XXXX XXXX, 2016. During that time, they explained on the telephone and on their recorded messages that no account information would be available and they were sorry for the inconvenience. Also during that time, my re-finance escrow closed and full final payment was transferred to Ditech per their instructions. Today, XXXX XXXX, 2016 when I log on via the internet and call customer service they are still unable " to see any information about this account other than the balance '' which they are still showing as if it had not been paid off. The recorded information actually says that my monthly payment that would have been on XXXX XXXX, 2016 had I not paid this debt off, is due. WHAT?! Additionally, they can not tell me anything about my impound account which should have had over {$3600.00} for a property tax payment due on XXXX XXXX, 2016. They can not tell me anything - if the tax has been paid or if it is being refunded to me. Basically, for over 14 days, they continue to hold my money while they earn on it, no doubt, and using the excuse of a " system upgrade '' can not give me any information or refund me my own money?!! How much longer will they be allowed to hold other people 's money and provide NO information about customer 's accounts? My account number is XXXX
04/21/2017	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MO 65721	Web
On X/X/17 I was approved by XXXX XXXX to refinance my first mortgage with them. It was just a straight refinance of my balance. I have a second mortgage held by XXXX . XXXX faxed them the subordination paperwork on X/X/17 and several days later they told XXXX that XXXX of the forms were not legiable. XXXX re-sent the forms again and a few days later, the got the same response. XXXX also sent the forms via email and they claimed they could n't read the email. I along with XXXX have contacte d Ditect n umerous times and they keep giving the same response about not being able to read the forms nor the email. I have lost count how many times XXXX has faxed or emailed them the forms with the same response. I called Ditech on X/XX/17 and asked to speak with a supervisor and they claimed one was not available and they would call me back. As of X/XX/17 no one has contacted me. I called them on X/XX/17 and asked to speak with someone in the subordination department and they are telling me that they have no phones there and the only way to contact them is by fax. This fiasco had been going on for over a month and I am sure that Ditech is just giving me the runaround and hope I just go away. This refinance is a HARP refinance and according to XXXX they have never had a problem getting the subordination done by any other companies. I really need help with getting this done before I lose my low interest rate.
05/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11358	Web
I am working with Mortgage company Ditech. A year ago their website stopped working to make online payments. I tried to pay using different, computers, browser engines and I kept getting the same message " UNABLE TO LOCATE ACCOUNT ) on XX/XX/XXXX I called the company and I got no help their only solution was for me to use a different bank to make online payments, that did not work either in XX/XX/XXXX I continued trying to see if there was any fix on the website and I still had the same problem. I called again and their answer was, It is not on our end is on your end do the payments in any other way. I have been paying late fees {$48.00} because every time I use other methods the payment does not arrive on time. I Called on XX/XX/XXXX and the customer service representative did not offer any solutions other than tell me to email customer service, which I have done in the past and no one ever answer the emails or offer any solutions. I am really frustrated and disappointed with this mortgage company. I am paying late fees because of a mistake on their end. The customer service person XXXX told me that they don't have an IT department, so I question if when I enter my bank account my privacy is being protected, if the can't fix this glitch are the accounts Ditech mortgage owners secure from hackers? Why do they advertise make payments online, when that feature does not work? Is this a scam to make mortgage owners pay late fees? Thanks
05/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27893	Web
I had a mortgage with XXXX in XX/XX/XXXX they gave my mortgage to a company called greentree servicing. My mortgage was XXXX at the beginning a couple of years ago I lost my job due to closing. So last year I applied for a home modification they sent me some papers stating that they would give me a temporary modification for XXXX year. They drop my payments to XXXX for a year. So this year XX/XX/XXXX that modification was finish. So I got a letter in the mail stating my new payment is XXXX due to the escrow paid my taxes and insurance while I was in this modification for that year. So I looked at the statement they charge me for XXXX years taxes and insurance but I did n't have the modification but for XXXX year. So I question them about this to a lady name XXXX she my representative she told me she did n't know about that I need to asked them. She also stated to me have n't they been paying your taxes and insurance since you been in the home I told her lady I been in my home for 9 to ten years and I always paid my own insurance they never paid it. I told her I can not afford these payment I need a permanent modification. They sent me the papers and when I sent them in they told my they could n't give me a modification because they did n't have the authority because the were just contractors for XXXX mortgage. I ask how can I contact XXXX Mortgage they would not give me the information. Please help me I do not want to loose my home.
09/25/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	TX 76016	Web
Our current mortgage payment was increased from {$1600.00} to {$1900.00} within a 2 month period due to escrow. We have never had this level of increase. We informed the mortgage company that we could not sustain payment at this level and submitted a request for modification. In the meantime, my husband also lost his job and then was in the hospital. We updated the mortgage company, still requesting help/relief. This process began in XXXX 2016 and to date ( XXXX/XXXX/16 ) the mortgage company ( Greentree/Ditech ) continues to go back in forth with us requesting additional information, updated docs, etc. Their inefficient and careless handling of our request is causing unnecessary and undue stress. When the request was originally made, we were current with our payments and struggling to keep current. Now the payments are 3 months delinquent and we are facing foreclosure of our home of 21 years - the mortgage company continues to go back & forth with us. I will attach a specific listing of the progression of events with the mortgage company. Your assistance is greatly appreciated to favorably end this stressful 8 month request-process. Thank you. ( MY MORTGAGE IS CURRENTLY A HOME EQUITY LOAN AND THUS WE HAVE EXPERIENCED PROBLEMS IN THE PAST WITH TRYING TO GET SOMEONE TO REFINANCE. WE WERE UNAWARE THAT THE MORTGAGE COMPANY AT THE TIME WE REFINANCED A FEW YEARS AGO, CHANGED OUR LOAN FROM A REGULAR MORTGAGE TO TOTALLY AN EQUITY LOAN. )
12/06/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CO 80207	Web	Older American
I was looking into doing a refinance on my home just recently. I was called back by the refi company and was told there was a lien of {$25000.00} on my home by a Ditech. I went to the State of Colorado and did a title search and was told the lien should come off my title because the Statue Of Limitations had expired. I never contacted Ditech but called XXXX XXXX XXXX and XXXX who is now the servicer of my loan. I had received a line of credit in the summer of 2006 from XXXX XXXX for {$25000.00}. The line of credit was for a non-profit i am the president for. The monies came back from the non-profit and the loan was paid down to around {$3000.00}. XXXX XXXX was closed down and I never heard anything else. Ditech has sent me a letter on a Shellpoint letterhead claiming they are my loan servicer and all payments must go to them. XXXX claims they know nothing about the letter. Ditech is going through bankruptcy and nobody knows what the relationship is with XXXX and Ditech. Also Ditech sent me a fraudulent letter claiming I called them. They left two voice messages on my phone for collections. I had received letters from them claiming they will not contact me on this loan due to collection laws and the statue of limitations. I can not understand how this company can put a lien and cause me damage when the loan is not valid and it has been paid down to {$3000.00} at the most. My title should be cleared of this lien immediately.
07/30/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NJ 08050	Web
I have requested to be able to have a chance to bring my mortgage up to date. I receive monthly statements for the amount past due. They do not accept anymore partial payments, so i am keeping them in a savings account and have requested money from my retirement account too be able to pay up to date. I just received a letter from a XXXX XXXX who says that I can only pay my mortgage up to date TODAY with the added fees of {$280.00} called " suspense balance '' and {$390.00} called " late charges '' and the payments due as of XX/XX/XXXX of {$7100.00}. BUT, if I can not pay that TODAY, I need to pay {$10000.00} which includes:1 month ( s ) at {$890.00} per month ( XX/XX/XXXX ) $ XXXXPayments totaling {$7100.00} $ XXXXLate charges $ XXXXSuspense balance $ ( XXXX ) Foreclosure fees $ XXXXForeclosure costs $ XXXXTOTAL $ XXXXThis is supposed to be through XX/XX/XXXX. I received a letter from Green Tree stating that the property will be foreclosed on XX/XX/XXXX. Can someone help me to understand what is going on? They are not allowed to call me, but I 'm sure they do, since I get alot of hang up calls. I will not call them, since that would give them permission to start harrassing me again. I need to know what I have to pay to be up to date and move on. How do I answer this XXXX XXXX? Please, I just want to do whatever I have to do to bring this up to date and then refinance somewhere else, before I lose my mind here because of them!!!!!
12/31/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NH 038XX	Web
I have had what I thought was a morgage on my mobile home for the past 17 years ... a $ XXXX/30 yr morgage with 13.5 interest rate. Recently I learned that it was not a morgage but a regular loan with " Ditech '' formerly Greentree. They took over GreenTree loans earlier this year and it has been an awful experience. I was working with Greetree due to unemployment, when I could not get in touch with them. I finally had someone from ditech call me, harrasing me, referring to me as " baby girl '' telling me I better have somewhere to go cuz I 'm outa there!!! I was beside myself. I tried to explain that I had been working with GreenTree, that they were supposed to move a payment to the back of my loan. He said it did n't matter due to Ditech taking over. He would call and call, when I answered he would say crued things and eventually I stopped answering. I got to scared to call, scared to answer. He goes by the name Mr.MacDonald. This was just some of it. Since XXXX they have refused any payment from me ... saying they were bringing to the next level. In XXXX I paid two months. I 've tried to pay since ... they say now that because it 's past 90 days they can not accept payment ... .because it 's gone to their attorney. It was not 90 days late when they innitially refused payment. Help!! I do n't even qualify for a home loan modification, because it 's not a morgage???? I was never told that. I 've always known it to be a morgage.
05/09/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	AL 35211	Web
I have a XXXX mortgage with Green Tree Servicing. I have faithfully paid my loan on time for the last 10 years of a 15 year mortgage. My monthly mortgage payment on my account is $ XXXX.and some odd cents. For about the last 2 years I have been making small overpayments on the loan that I requested be credited to the principal on the loan and not the interest. The increase in payments was {$230.00} then I increased them to {$240.00}. I notice on XXXX/XXXX/2015 that Green Tree was doing just the opposite of what I had requested, they were crediting all overpayment to interest. Therefore they have been collecting more interest than is due monthly on the account. I called Green tree on XXXX/XXXX/2015 at approximately XXXX central time to correct this error. I was told that the error would be corrected by the young lady that I spoke with. On XXXX/XXXX/2015 I receive a letter from Green stating that my account is past due. I call again and spoke to a gentleman by the name of XXXX XXXX and I requested that this error be corrected. XXXX XXXX checked my account and noticed that I had not missed a payment and he assured me that the error would be corrected. Today on XXXX/XXXX/2015 I received a note from Green tree that I am now in default and I now have 30days to correct/pay this default balance of {$710.00} I have never missed a payment on this account and Green Tree has been misappropriating overpayment on this account for over 2 years.
04/04/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 451XX	Web
I had auto pay set up on my account for the XXXX of every month. Ditech took XX/XX/XXXX payment out of my bank on XX/XX/XXXX which caused my account to overdraw. I incurred a {$38.00} nsf fee because of this. I have contacted them 13 times since XX/XX/XXXX asking them to re-imburse me for the fee. I have faxed them the paperwork that they requested 3 times and e-mailed it to a representative while on the phone with her so that she could verify that she received it. Several of the representatives have told me that they can take the money out of my bank account early. I told them that is not true. Others have told me that it is being taken care of which has also not been true. Some have told me that they didn't post it to my mortgage account until XX/XX/XXXX so it is not their fault. Their application for autopay states that if it is set up to be taken out of your bank account on a holiday or weekend, they will take it the following business day. Also, I checked my XXXX XXXX account yesterday and Ditech had put a remark on there stating, " Account information disputed by consumer, meets FCRA requirements ''. My score went down 7 points and that is the only thing that isn't positive on there. I have not disputed anything with them as far as credit goes. I have only called them to tell them that they need to pay me the {$38.00} NSF fee that my bank charged me for them taking the money out of my account before they were supposed to.
05/17/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO XXXXX	Web
At the end of XX/XX/XXXX /beginning of XX/XX/XXXX , I s ent a payment for {$3000.00}. Details are in the 2 l etters I 've written to their customer service. XXXX XXXX 2017 I s ent : To whom it may concern : The {$3000.00} that I sent at the end of XX/XX/XXXX was for XX/XX/XXXX p ayment with the extra to go to principal. In other words, there should have been a total of {$2500.00} going to principal for XX/XX/XXXX . Please correct this. I will send XX/XX/XXXX payment later this month. Thank you. On XXXX XXXX 2017 I sent : To whom it may concern : My last payment at the beginning of XX/XX/XXXX w as for {$3000.00} ; there should have been a total of {$2500.00} going to principal for XX/XX/XXXX . My mortgage contract clearly states it as I have previously outlined to you when you went by the name of Greentree. Also, my lawyer has addressed this issue. You need to correct the payment applied at the beginning of XX/XX/XXXX t o reflect this and follow my wishes for payments in the future. Thank you. As alluded to in the last message, I 've had an ongoing problem with Ditech/Greentree. It took a few letters from my lawyer to fix this issue last time. To anyone considering a mortgage, I would have a clause written in that the mortgage may never be sold to, bought by, etc. Ditech, Greentree or any subsidiary or such. I WILL be doing this on any future mortgage I EVER make.
02/04/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NJ 07840	Web
On XXXX XXXX we received notification via mail from Ditech the company that services our mortgage that our escrow account is negative over $ 13XXXX. As you can imagine we were shocked to say the least. The escrow statement was the first XXXX we have ever received from Ditech and first notification that we were ever negative in our escrow account. We called Ditech to get answer as to why we were never notified of such an amount negatively affecting our account and the rep for Ditech advised us our escrow account has been negative since they took over our mortgage in XXXX XXXX. She continued to tell us that any negative escrow amount would 've been notified on our monthly statements. I challenged that claim and she verified that indeed it does not show on monthly statements nor does it show we were negative using Ditech 's customer web portal. I have attached a few statements and screenshots from their customer portal indicating nothing was communicated to us via mailed statements, website, phone or mail that we are negative more than XXXX in escrow until recently. In their history of statements in their web portal they have never issued escrow statement for XXXX XXXX nor when we use their customer escrow portal tool does it state we were negative. We have listed our house for sale as direct result of this issue. So how does a company expect us to pay the overage when we were never notified and the information was hidden from us?
08/02/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 28405	Web	Older American
I went under contract to sell my home on XXXX-2017. Closing date, XXXX-2017. On XXXX-2017, the cclosing attornrey for the buyer sent my release of lender information form to Ditech to get the payoff for my mortgage. Ditech would not release the information to them. The closing attorney contacted my attorney. On XX/XX/XXXX, my attorney 's office was attempting to contact someone to get the payoff information for the next day. No response back. The next morning ( XX/XX/XXXX ) I was to sign my documents for the closing. My real estate agent and myself sat in the office while my attorney again attempted to get the payoff information. They said it would be 24 hrs. We contacted the closing attorney for the buyer and told them we were signed and the form would be there XX/XX/XXXX. They went ahead and signed everything except the final closing document which would be completed when the payoff came. LATE on XX/XX/XXXX the form came with the wrong name on it. We immediately contacted them to have it corrected. They said it would be Monday XX/XX/XXXX. It did not come. On XXXX-2017 my attorney called them and had to get a little nasty with them and they then told him it would be 10 days. This sale is needing to be completed and we ca n't get the payoff information.My attorney asked to talk to a supervisor and the legal dept and they would n't let him talk to either. Its been a week that we have n't been able to close. We need help please.
04/23/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 957XX	Web
In XX/XX/XXXX Ditech notified us that we would be given a new account number. When that happened our interest rate went from 1 % to 7.50 % and payment went from {$87.00} to {$310.00}. This was not correct since the above was in effect until XXXX of XXXX, and even at that time the contract does not go to7.5 % it only goes to % 2 with a payment of {$100.00}. This was all per a loan modification ( " 2MP '' ) done in XX/XX/XXXX. Each of the last 2 months we have been unable to make payment on the website as it shows the higher rate and payment. So we called and made payment on the phone with a representative for the correct payment amount. ( confirmation numbers are in documentation ). We continue to get calls and letters stating we are over 52 days past due and they have charged late fees. When we speak with someone on the phone or we go onto the web site it shows the correct interest rate and payment but letters and phone calls state the opposite. When we last spoke with a representative XX/XX/XXXX we were told, " We are working on it. We do not have a resolution date. We have over 11,000 accounts with this same problem. '' We are concerned about our credit report, almost daily letters, weekly phone calls and other possible repercussions since they do not have a resolution date. Since it has already been over 2 months since this all started, any help you can give us would be greatly appreciated. See included documentation.
12/23/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 19038	Web
We have paid our mortgage payment each month in full. Our next payment is supposed to be due on XXXX XXXX, XXXX. We had recently did a recast of our loan ( an incentive offered by the Treasury department for always being current with our XXXX XXXX ) I understand that it might take a few days for your system to be updated, however when I logged in to my ditech account .It is stating I am 78 days behind. There are unapplied funds ( my XXXX, XXXX and XXXX payments ) just sitting there and nobody is updating the system to reflect I am current. The system is saying I owe {$4100.00} ( XXXX payments ) and is due XXXX XXXX, XXXX. This is incorrect as I am current on my mortgage and not even one day late. I spoke to loss mitigation and they told me to be patient until my recast is updated, but in the meantime I am getting nasty collection calls even though I am not late. I am requesting that these unapplied funds be released immediately to reflect my status as current. I am also trying to make sure that I am not being reported late to the credit bureaus. If you look at my payment history you will see I 've made my payments on time every month. I am constantly getting the run around when I call. My account rep does n't return my calls, and because I am in a late status my phone calls go right to her voicemail. I need someone at ditech to manually go into their system and update my status as current and release my unapplied funds.
05/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20886	Web
The PMI for my mortgage is due to expire XXXX 2015. It is still listed on my XXXX statement. I have tried, unsuccessfully, several times to contact Green Tree to ask about this. The XXXX XXXX individuals that I spoke with on XXXX XXXX thought that I was referring to homeowner 's insurance.. I then asked to speak to a supervisor. My call was forwarded and went to voicemail. I left a brief message, and my phone number, but no one returned my call. I called again on XXXX XXXX and asked to speak to a supervisor. None were available. On Tuesday I returned home to find a letter from Green Tree, saying that I had " orally denied that I owed my mortgage ''. That is completely false! The only thing that I denied was their request to use my office phone number to contact me if there was " a change in my mortgage ''. I tried to call yesterday, but when I refused to answer what my intentions are for my home, as I have done for each and every call, no matter how close together, they refused to put my call through. I have tried sending an e-mail through their secure site, but they will only respond via US Mail. This time, when I did try to use their secure e-mail, it would not go through. They list only XXXX phone number. My phone calls are not returned. I am seeking information about the expiration of the PMI, as noted in my original loan documents, on my mortgage before the XXXX payment goes through ( they only use automated payments ).
07/20/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AR 720XX	Web	Servicemember
XXXX of XXXX I tried to make a payment but case was closed because my attorney failed to make a modification. Ditech/Greentree filed a motioned to lift the automatic stay, because I missed two payments but, one of the missed payments was my attorneys fault which raised my payments 60.00 more, but stay was lifted. I found out months later from the trustee that my attorney without my knowledge had surrendered my home the year before & then applied for more money! but was denied. The trustee told me that I had around 7,000.00 at her office. I asked Ditech if they would accept that & modify my loan, & my husband a ( veteran ) had offered to take out a VA loan if it would help us keep our home, but they refused & said that I had to have XXXX before being considered! Previous to this we hired XXXX XXXX XXXX to lower our interest which was at 10! /2 % for 20 years we owed almost what we gave for it! Our payments that went from XXXX to XXXX from Bankruptcy. I had applied on line for a modification which is '' '' STILL BEING REVIEWED, '' '' today! We hired another attorney which shows on the NDC summary a modification to the plan was made the day before MY HOME WAS SOLD which was XX/XX/XXXX!!. Last year my attorney was arrested & yesterday he & his paralegal were arrested for XXXX, Yesterday we GOT EVICTION NOTICE!! .. Is there anyway we can stop this due to No counsel?? asap ... they are kicking us out Immediately!! Sincerely, XXXX
10/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 015XX	Web
I refinanced/modified the mortgage on this property back in 2012. Greentree approved the refinance which was based on making 3 monthly payments which were completed and on time. I received a congratulations letter that my refinance/modification was approved. Subsequently 30 days later I received a follow up letter from them saying they never received a signed document I was suppose to mail back to them. However, there was no such letter ever sent to me that required a signature. I requested them to simply just fax or send me the letter to sign and I 'll get it right back to them. They declined and made the mortgage due in full and rescinded the refinance approval. After many attempts they agreed to have me submit a new application. Using all the same information since nothing changed they declined this one of course. From what I have found out this is a scheme to steal homes and is fairly common with companies like this. This action by that company cost me my family, my house and everything I worked over 20 years. I 've contacted over 20 people at the various companies most likely involved in this fraud and they all hind behind their XXXX dollar desks. If the investment company ( Ditech, Greentree, XXXX XXXX, XXXX Investors or whoever ) would like to come out of the shadows and speak with me regarding correcting this wrong before if must go to court and media. As a result of all this the house was foreclosed on this year.
06/17/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MS 389XX	Web
This is about Green Tree again. Everyday for the last 2 years they have called me and my husband stating that we are behind on our house payment and we let our insurance laps, which most of the times the house payment had already cleared my bank or was pending at the bank to clear, the insurance that they say has lapsed did not lapsed, I bought my own insurance from a local company in town, and the local company faxed the proof of insurance XXXX times to Green Tree, which Green Tree states that they never received, so it was then mailed to Green Tree and they still claim that they did not get anything. When our mortgage was XXXX sold to Green Tree in XX/XX/XXXX or XX/XX/XXXX { that has been too many years ago } we were 1 month behind on our house payment and I gave Green Tree permission to take out XXXX payment out of our checking account, well needless to say they took XXXX house payments out and over drafted our account, and Green Tree would not refund the money or the over draft fees, so we learned the hard way on that. As of today Green Tree has called both of us XXXX times and the lady was wanting to know when we would be moved out so they could come and change the locks to there property. The phone calls from Green Tree every time they call are rude and threatening to take our house. I am to the point to just give up. I want something done to these crazy people. We are tired of them calling us and they never give up.
05/04/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	TX 77083	Web
I submitted a settlement check that was the result of a judgment from an insurance company. The check was required to have the name of the current mortgagee and myself. I informed Green Tree the background history prior to submitting the check. The initial person I spoke to gave me what they thought the requirements would be for disbursement. Unfortunately, once they got the check all of that changed even the department handling the situation changed. They kept stating it was a claim for damages even after receiving copies of the court papers, affidavit from the original contractor, and a statement from the insurance company. Green Tree just refuses to give me my money. According to the reviews and statements from former homeowners this is their practice. They hold all the checks in escrow and profit off the interest. They have been in possession of the check since XXXX 2014. They are now proceeding to foreclose on my home, because of delinquent payments and still refuse to give me my money. I offered to pay for an licensed inspector to prove that the work had been done years ago, before they took over the mortgage. They said it would not make a difference. I sent a notarized statement offering to bring mortgage current and take the difference. No response from Green Tree. They are withholding a {$26000.00} judgment settlement check that would help me get my financial stability. Please help end this XXXX, and save my home.
02/05/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MN 55337	Web
My mortgage company erroneously reported that we were over XXXX days late on our XX/XX/XXXX mortgage payment. To date, we have NEVER been XXXX days late with any of our payments and this accounting error on their par has lowered mine and my husbands credit scores from XXXX down to XXXX because f Ditech 's error. We noticed this error on XX/XX/XXXX and contacted Ditech immediately to report, we called several times, each time getting a different story on how we were to obtain proof that they corrected, and I have emailed them requesting this as well and have yet to receive back up that they have corrected with credit bureau and will not send us a letter or anything stating they made this error and it was corrected with date of correction. My credit score is still XXXX or below due to this error and we are supposed to try to buy a new car since our car lease is up at the end of XX/XX/XXXX. They have also repeatedly charges us incorrect late charges and also XXXX allocated our check we sent for mortgage payment to another amount thus charging us late fees for their error. This time, it did us actual damage to or credit and will not respond with correction for us to use when we go to apply for lease for car. I have attached bank statements that show each payment totaling {$1100.00} per month ( our monthly payment amount ) highlighting the check memo that is printed with each payment that lists month, mortgage, and year on it.
03/01/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60440	Web
Ditech Financial LLC who is my mortgage lender was mistakenly paying property taxes to a different parcel number or property with my escrow account for the year of XX/XX/XXXX, this led to having delinquent taxes on my property, placing my property under tax lien. Because property taxes were n't getting to my property, it also caused an escrow shortage on my account. although the delinquent taxes has been settled recently after going back and forth with Ditech for couple of months and dealing with bad customer service, the escrow shortage is still in effect which made my new monthly payment increased tremendously. The delinquent taxes has been settled last XX/XX/XXXX, on that same day I did a follow up call to make sure that they will run a new escrow analysis on my account so that my new monthly payment will be re-adjusted. I did another follow up call last XX/XX/XXXX a month after the settlement to ask why my new monthly payment still indicates a higher amount and was not re-adjusted. I learned that no escrow analysis was initiated after the settlement. Now Ditech is requiring me to pay the new monthly payment which is very high compared to my current monthly payment, the Ditech representative noted that they can not rebalance my new monthly payment until they receive the tax refund. This has caused me a lot of stress and loss of time dealing with Ditech back and forth in an ERROR that was not even from my part.
06/16/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 320XX	Web
Im in need of dire help with Ditech at this tim e. I got behind on my Mortgage back in XXXX of XXXX due to major medical diagnoses of my daughter. I started working with dictech in XXXX XXXX to get modification or payment plan and catch back up. I was told for months that my modification was either being reviewed or missing documents I continued to resubmit these same documents over and over and each time I cal led ditech was told everything was fine and these things take time to keep resubmitting. I contacted Ditech i n XXXX to jsut ask if I could set up a payment plan since my amount past due was n't a high amount they told me no that i was being reviewed for am Modification. In XXXX of XXXX I once again spok e with Ditech and was told I was very close on my modification and to submit paystubs one more time a nd to not worry about any Foreclosure. On XXXX / XXXX / XXXX I spoke with a ditech Representative who allowed me to set up a tow payment arrangement of {$1200.00} and then {$1600.00} and it would bring the account current I agreed and was then served a Notice to foreclose on the following Monday XXXX / XXXX / XXXX . How could I be in line for Modification and a Payment Plan and now being served Foreclosure papers. I have a XXXX Daughter and have the funds to pay my past due and keep my home at this time. I need help understanding the Dual Tracking Process that is happening to me at this time.
07/21/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	TX 78840	Web
My home loan has been under a modification program as of XXXX/XXXX/2015 with our previous lender, the loan was then transferred to Green Tree Servicing LLC in XX/XX/XXXX, since then they have failed to honor the terms of the program. I filed a complaint with the CFPB ( Complaint No. XXXX ) and received a response, and disputed the response. The terms of the Modification program state no payment is to be made until XXXX/XXXX/2015, and due to all of the problems ( including letters from an attorney stating escalation of foreclosure ) I was in the process of trying to complete mortgage refinance documentation with another lender when they informed me that Green Tree had filed a negative report on my credit report stating my loan is over 180 days past due. I have had to spend numerous hours, resources, etc. following up with Green Tree to offset foreclosure measures, documentation inconsistencies, etc. I am aware of their unfair and unethical business practices as of the most recent XXXX fine imposed against them for these deceptive business practices and do not wish to continue my business with them, however until they report back to the major credit reporting agencies that the information they have reported against me is incorrect I can not move forward. Please help, continually having to gather information and file complaints is getting cumbersome and I do not have the time to keep making this lender do the right thing.
08/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20874	Web
I refinanced my condo in XXXX XXXX. When I refinanced, I had to show proof of hazard insurance XXXX home insurance ). I did that, that 's how I got to closing with the loan. When the escrow account rebalanced in XXXX, somehow, they forced their hazard insurance into my escrow account ( now mind you, I pay out of my own pocket for home insurance every year ). I called to complain about it, and it took several months to resolve. Once resolved in XXXX, there was an overpayment applied to my principal ( the overage was the insurance payment ). When my escrow rebalanced in XXXX, they did the same exact thing. I have complained to them several times. They have even done another escrow analysis and this time, they are charging me too much for my taxes. My taxes were {$1100.00} last year, this year they were reduced to {$1000.00} XXXX for some reason, the bank gave me the run around about how they were still assessing my escrow at the XXXX taxes XXXX. I informed them that my taxes had gone down, and it took me another XXXX phone calls to get it resolved. During this process, my mortgage payment should be less than {$1000.00}. Because of their inability to perform simple tasks, my mortgage payment were {$1000.00} for 2 months, then {$1000.00}. This is unacceptable that I have to pay for their lack of doing their jobs. I am now in the process of cancelling my escrow account, but I have been jerked around with this process also.
03/02/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WV 267XX	Web
{$530.00} was pulled from my checking account on XX/XX/XXXX without my authorization from Ditech. Ditech had no information on their end that they had even done this. I had to have my bank send them a fax stating that they had pulled the money from my account. This overdrew my account and I was several states away and had no money for gas to get home. This also caused me {$92.00} in bad check charges. ( which I still have not received from Ditech ) After numerous phone calls, over several days I was told by " XXXX '' that this was a glitch in their system and that a current project called XXXX was the cause. It caused ACH debits on consumers accounts without their authorization. I talked with XXXX on XX/XX/XXXX and stated that they could go ahead and apply the payment of {$530.00} to my account for the month of XX/XX/XXXX. My payment for XXXX was supposed to be {$420.00}, not {$530.00}. I told her to go ahead and apply the over payment as principal. This would also allow my XXXX payment to be considered on time. On XX/XX/XXXX they refunded the {$530.00} back into my account even though I had requested it to go toward XXXX 's payment on XX/XX/XXXX. That now looks like I missed XXXX 's payment. With my checking account being overdrawn for over a week because of XXXX, I was not able to make other payments towards other bills thus making them late. This is not the only XXXX up that they have done with us over the years.
05/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ XXXXX	Web	Older American
In XX/XX/2019 I paid in full all amounts due on my mortgage to bring it current. The amount I paid was {$11000.00}. On XX/XX/2019 I received a bill saying that {$250.00} was past due. When I called Ditech Financial I was told they had misapplied funds to the escrow account and that error was to be corrected. I was told everything was in order and there was no back payment due. I asked for a corrected bill but was refused and told to pay the next mortgage payment due. I did so and that payment was received on XX/XX/2019. I received a billing from Ditech Financial alleging that there was a late charge due of {$30.00}. When I asked from where did that late charge come, I received a non-responsive answer of the our records show ... variety. When I asked for specifics I got the same response and told to dispute it if I wanted to do so. There is no back payments of any kind due. I am totally current. I did notice that Ditech Financial paid out {$30.00} from my escrow account to cover local real estate taxes due but that is not an arrears payment but an advance which they recover in the next payment. Billing me alleging a past due amount is totally false. I will appreciate whatever you can do to settle this matter in my favor. Since Ditch Financial is in bankruptcy court in NY XXXX XXXX I wonder if this billing is part of a strategy to bring in cash during reorganization? Thank you again for your assistance. XXXX XXXX
06/05/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60446	Web	Older American
I purchased my home in XX/XX/XXXX . Currently I am out of work and struggling to make my mortgage payments. My last day worked was XX/XX/XXXX . In XX/XX/XXXX , I contacted the Illinois Hardest Hit Fund program and applied for mortgage assistance. Meanwhile my lender Ditech Financial LLC contacted me by mailing forms for Loss Mitigation which I did not complete or sign. Ditech 's customer service is very poor and every time I called Ditech 's customer service to find out if there was any communication from Illinois Hardest Hit Fund, n o one could provide an answer. Finally I received an email from my Illinois Hardest Hit agent XXXX XXXX in the XXXX office that Ditech rejected the payments from Illin ois Hardest Hit p rogram stating that I was in an active loss mitigation. Therefore the Illinoi s Housing Development Authority d enied my application. I currently have been writing letters and faxing Ditech i nstructing them to accept the payments from Illinois Hardest Hit fun d and stating that I have not agreed or will agree to loss mitigation with Ditech . The dates that I have sent letters and faxes are XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX . I have asked for an appeal as is my right with Illinois Hardest Hit Fund a nd gave them copies of letters sent to Ditech. Ditech is not responding and I believe that Ditech would rather foreclose than accept the state funds from the Illinois program.
03/01/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MA 016XX	Web
on or about XX/XX/XXXX, I contacted Ditech with regards to applying for a HARP on my first mortgage. Ditech is the servicer for my first and second mortgage. My first mortgage is owned by XXXX XXXX. On or about XX/XX/XXXX, Ditech informed me that the subordination review on the second mortgage was requesting and appraisal or a XXXX XXXX XXXX ( XXXX ). I contacted a licensed Realtor in the XXXX area and they completed and submitted the documentation to XXXX, my Ditech Loan, Processor. I continued to stay in contact weekly with Ditech via my personal email account. I spoke with supervisor in XXXX about my concerns of the continued delays of the HARP refinance. I was communicated that it would be reviewed and things rectified to move things forward. Ditech services the second mortgage. I am now writing you on XX/XX/XXXX, as I was informed earlier this week that the XXXX was not accepted in the format submitted which was reviewed with Ditech prior to the submission in XXXX. The impression I am getting is that Ditech does not want to approve my HARP on my first mortgage. The subordination will not jeopardize the mortgage position of the second. I have met the underwriting guidelines, credit score, HARP requirements and I have agreed to pay 2 points given the combined loan to value calculation inclusive of the second mortgage ( which was addressed in my bankruptcy ). I am at a loss and have some frustration.
06/03/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75034	Web
XXXX XXXX Ditech Loan # XXXX On XXXX XXXX, I cancelled my automatic direct debit of {$700.00} with Ditech, as I finally had a refinance with another company that was about to fund. My direct debit was scheduled for the XXXX. On the XXXX, the same day I funded, Ditech still pulled the money out of my account. I called customer service and they said I had to notify them 8 days before the XXXX in order to avoid the withdrawal? My refinance wasnt even approved 8 days prior to the XXXX. I called again on XXXX XXXX and spoke to a supervisor who said my money was on the way. I then received an escrow shortage check in the amount of {$30.00}. How is this possible if I dont even escrow with Ditech? It is now XXXX XXXX, and I still dont have my money. My new mortgage payment was due on the XXXX. Im not made of money. I spoke to customer service yesterday and they now say I have to wait 30 days. So to get this straight. Their process is to refund monies that are no longer theirs, 30 days after theyve taken the money? Why? Why does it take a mortgage lender 30 days to refund money that is no longer theirs? Most financial entities are 7-10 days-pretty standard. Ditechs abusive policies jeopardize the livelihood of those that are trying to do the right things for themselves. Now, Im tarnished with my new lender. I want this complaint with Ditech addressed and a detailed response to my situation, vs. a canned approach from them.
01/25/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30157	Web
I recently received a default letter from Ditech saying that they have n't received my XXXX XXXX mortgage payment. I have proof/documents that I have been making monthly mortgage payments. I spoke with a Ditech supervisor ( XXXX XXXX ext. XXXX ) and he says that my mortgage payment has been placed into Escrow. XXXX then says he will need to research my account and he will call me back once he had some more information. XXXX has yet to return my call and each time I try to contact him, I get his voicemail box. I call Ditech again XXXX/XXXX/XXXX and speak with another representative who tells me that my XXXX XXXX payment has been used to pay bankruptcy fees. I began to tell her that was incorrect because all fees were paid and discharged through Chapter XXXX bankruptcy court. The representative says she will email me a document that would verify where my mortgage payment went. I have yet to receive this email. There has been ongoing problems with Ditech misapplying my mortgage payments ever since my mortgage was sold to them from Greentree. The attached documents outline payments and letters from Ditech. The highlighted areas show information where Ditech claims I am in default {$1300.00}. I am only to make XXXX XXXX payment of {$690.00}. Ditech is now sending notices to pay this false {$1300.00} payment. Also, I am due to pay XXXX payment but I am hesitant to send it in because I am unsure how Ditech will apply it.
03/29/2016	Yes	Credit reporting	Incorrect information on credit report Account status	VA 23223	Web
I have had a membership with XXXX for years, I get my XXXX in XXXX credit report every 6 months and when I got it this time I did a little research to see why my credit score was different on all XXXX reports. Looking at the report I see XXXX reports wrong information from XXXX and XXXX, they have over XXXX accounts open when they are closed. I call XXXX and told them what was wrong and sent the IT department a screen shot of my credit report at XXXX ( which is correct ). It has been over 3 months and it is still not fixed. XXXX say it is a system issues but how can they be in the business of reporting credit and do n't have it right? I called XXXX every other day and they just hung up on me or say it is a IT issues. Another issue, Green Tree which is now Ditech Financial LLC. I had a mortgage loan from XXXX of XXXX to XXXX which is 20 years and I paid my mortgage on time for 20 years and my last year when I got down to {$8600.00} I settle with them for {$6700.00}. This was a interest barring loan and they had made {$100000.00} off of {$29000.00} loan. They reported to my credit report that I settle for less then the balance and put a flag on my report to stay on 7 years. I have been calling the company which I get no call back but I am asking if a company settle with me and it is less than {$2000.00} and been paying for 20 years why would they hurt my credit like this? I was never late paying them for 20 years.
12/16/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 32246	Web	Older American
My name is XXXX XXXX, and my Spouse is XXXX XXXX, who is not on the Mortgage, but is a contributor to our living expenses. We were both forced into retirement because of XXXX condition, and would have applied for a Reverse Mortgage, however, we are upside down on the Mortgage. We applied for a XXXX Modification with our Lender, Ditech and we were told in a letter dated XXXX XXXX, 2015, that we are making too much money and there are no hardship, simply because we have been using our savings to remain current. DITECH use a technique, to 'GROSS UP '' our Social Security Income of {$1600.00} to {$2000.00} making us unqualified. We we questioned this technique, they said in another letter, that XXXX XXXX is the owner and because we are in a Loan Modification, XXXX XXXX will not honor another Loan Modification. We obtained our Loan from XXXX Bank, a predatory lender in a XXXX package using the Second Mortgage as a down payment and a 5 year Hybrid Adjustable Mortgage, and a search of our records does not show that the Loan was transferred to Ditech according to the Respa Laws of Florida. We have requested that Ditech produced records of the Loan Modification that they are saying we have, also produce the Transfer Assignment of the Loan to Ditech. To date we have not received any response. We have also contacted XXXX XXXX to produce the record of a Loan Modification, and have not heard anything as of this complaint.
01/08/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 955XX	Web
I received a certified letter dated XXXX/XXXX/XXXX asking us to {$3200.00} by XXXX/XXXX/XXXX. I phoned Ditech because the amount showing du online was a different amount. When I phoned in spoke with a representative named XXXX that informed me to disregard the letter and pay the amount showing due on line for I believe {$2200.00}. I paid the amount due on line. and discarded the letter as advised. He states that by paying this amount would catch my loan up and everything would be fine. I then received a letter dated XXXX/XXXX/XXXX stating that I did not pay the full {$32000.00} by the due date and necessary action would be taken. I received this letter on Saturday Saturday XXXX XXXX. First thing Monday morning I phone ditech to inform them that I received this letter and am not sure because I paid the amount advised by ditech. The representative that I spoke with fist was XXXX XXXX Collector Id XXXX. I read the letter to her that I received on XXXX XXXX, XXXX and she states to disregard that letter. My account is fine and is not going to be forclosed upon. I wanted to make sure so I phone back a second time an read the letter to another Ditech representative and she stated the same. to please disregard that letter. It was automatically geterated from their system and that I should discard it. My loan is fine and is not going into forclosure. I am writing the complaint mainly to document the events that happended.
04/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TN 37659	Web
XX/XX/1999 I purchased a XXXX mobile home, and when signing the paper work, the finance company side if the interest rates went lower they would lower mine with in a year 's time, they did go down to about 6 % when I signed it was 12.25 % and all these years I have been paying nothing but interest. I have called more times that I can count and asked for a refinancing or a rate modification and each time I am told " sorry we do n't do that ''. it make 's me want to tell them well come get it then and give them a week to do so but I have put a lot of money into my home. my husband and I have reroofed it put floating floors thought out it and replaced to kitchen and bathroom floors with tile painted the out side this is home. I just do not understand how or why they are so unwilling to work with me my payments are on time never late but like everyone else I have a hard time and have to let other things go to make sure that it stays that way. I tried to trade it in before I we did all the work on it and all mobile home dealers in the area tell me the same thing " you are up side down on the money '' your home is n't worth what you owe ''. where do I go? what do I do form here? is there any help for us? my home is on privet property family owed. the the company I am financed with has changed name 2or 3 times I have asked for help 2 times each from each of them once to refinance and then to do a loan rate modification.
06/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90501	Web
XXXX and Green Tree Servicing Failure to Comply with TILA and FDCPASummary of Complaint : XXXX and subsequently Green Tree Servicing have not provided verifiable proof that they have legal standing to administer a loan modification or file a Default Judgment and suit under the Mortgage. XXXX and subsequently Green Tree Servicing has failed to provide adequate evidence that proves XXXX is the current legal owner and 'holder in due course ' of the debt under which they demand payment and have foreclosed. XXXX and subsequently Green Tree Servicing has filed a Complaint ( lawsuit ) in 2010 to foreclose on my investment/future retirement home in the State of South Carolina. Unfortunately the judge did not allow my Demand for Discovery and eventually a Judgment of Foreclosure was issued by the court. The case has been moved to the Master of Equity to administer the public sale of the property. Green Tree Servicing has offered loan modification and other loss mitigation options. I responded to Green Tree Servicing that I would like to apply for a loan modification but I could do so only if they provided evidence that proves who owns the debt. XXXX and Green Tree Servicing have failed to provide the requested information in failed to comply with TILA and FDCPA. It is my belief and based on documentation XXXX and Green Tree Servings filed in court and the county Registrar that the true legal owner the alleged debt XXXX.
06/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98102	Web
SECOND COMPLAINT Ditech has me multiple notices requesting proof of hazard insurance on my condo. I mailed them a copy of the policy more than a month ago, then received a second request weeks later. When I contacted Ditech by phone, they stated that they had n't received the copy that I mailed. When I asked if I could send a PDF of the policy via email to ensure receipt, their representative stated that they do n't have email. I sent the policy a second time via fax, for which I received a confirmation. Yesterday, I received a second and final notice that they had either not received a copy of my policy or that the policy had expired. I 've carried mortgages for multiple properties, single and multifamily, and never had to provide proof of hazard insurance more than once to any lender or servicer. Putting this burden on the customer every year and forcing a hazard policy if the customer fails to provide proof seems underhanded and fishy. Ditech surely receives some margin or commission on the sale of these forced policies. I believe Ditech is making this requirement intentionally difficult and profiting from their customers ' fatigue -- with the process, the refusal to accept email, and the torrent of " important '' promotional mail we receive from Ditech which we have to open every time lest Ditech charge us for a redundant insurance policy. It might be legal, but it 's slimy and it 's bad for consumers.
09/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM 875XX	Web
I have XXXX complaints regarding, 1. Mismanagement of my payments, and 2. the refusal of DiTech to send me mortgage statements and full disclosure of my account, prior to, during and after my bankruptcy and 3. the rude, disrespectful, callous disregard of my requests to resolve the aforementioned matters. Customer Service : DiTech Financial LLC, XXXX. XXXX XXXX, XXXX XXXX, S.D. XXXX Bankruptcy Correspondence Address : DiTech Bankruptcy Department, XXXX. XXXX XXXX, XXXX, South Dakota, XXXX When DiTech Financial took over payment management from Green Tree, I was and have always paid my mortgage 2 months in advance. Therefore if my billing stmt was XXXX/XXXX/XXXX, my due date was XXXX/XXXX/XXXX. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX DiTech took one whole principle and interest payment and mis-applied it without my consent. Therefore I am only 1 month in advance. Since bringing this to DiTech 's attention via phone calls ~ they have ceased sending me mortgage statements. I have not received any mortgage statements for XXXX/XXXX/XXXX to present XXXX XXXX. 2. My bankruptcy was discharged on XXXX/XXXX/XXXX. I have been paying my mortgage without billing statements faithfully every month, throughout the bankruptcy. To date Di Tech refuses to respond to resolving the mismanagement of my payments, and to provide me with billing statements, and full disclosure of all my mortgage records from XX/XX/XXXX through present.
02/21/2019	Yes	Mortgage FHA mortgage	Closing on a mortgage	PA 19138	Web
This should be a very simple request but, it has been a complete nightmare. I am in the final stages of closing on a refinance loan with another loan company. I have a HUD government loan that will be forgive providing, I have not been late on the loan. XX/XX/2018, I requested my payment history from Ditech. Ditech has sent the printout for my payments from XXXX to present in-which, I have NOT been late. Here in lies the problem ... .There is a UAF / Susp field on the printout. The HUD loan processor denied the loan, thinking they are late charges. I asked Ditech to send a Verification Mortgage Letter that clearly shows that there are NOT, and has not been any late charges. The HUD loan processor needs a letter to state just that and will not except a conference call ONLY a DOCUMENTED LETTER. Ditech tells me we CAN NOT!! send a letter like that explaining the UAF / Susp field. We can only send the mortgage verification letter. I don't know why a letter can not and will not be created to explain that this UAF /Susp field has nothing to do with my account!!! I am suppose to close in 3 weeks and have been struggling to get a letter. I have called and written to corporate and still NOTHING!! I just need the letter to state I have never been late and the UAF / Susp has nothing to do with me. No one will create this letter. What company can not create a letter to explain the field. I am beyond despondent!!!!
07/29/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 761XX	Web
I 've been trying to close on my property and have a willing buyer. Time is of the essence and I am also in bankruptcy so I need it to close. I have asked green tree to submit payoff information multiple times. I made a payment in this loan XXXX XXXX, 2015 and asked for a payoff for XXXX XXXX at that time. It 's the XXXX of XXXX and their attorney does not have it and I have not received it nor did my title company. I 've called multiple times. I 've emailed them. What else am I supposed to do? They act like time is not of the essence, yet they are the first to send threatening letters when they do n't get a payment. They have no clear way of ordering a payoff or knowing that the order is being processed. The end result if I do n't get this payoff by tomorrow is I 'm going to loose my buyer and the property will go into forclosure all because I 've been trying to contact them to get a payoff that they do n't seem to want to provide or are too incompetent to know what to do. How is it that I have spoken with XXXX different people at green tree and none can give me an answer about my payoff? Do n't they want the property to close? Is time not of the essence for them in this real estate transaction? this company is about the most incompetent financial institution I 've ever dealt with and certainly do not have customer service as a priority. You would think they would have payoff information at their finger tips.
08/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 373XX	Web
In XXXX 2016, Ditech Financial LLC did not credit my account with the normal monthly payment that always comes out of my bank 's bill pay. After numerous phone calls, I finally wrote them in XXXX, than again in XXXX, and again in XXXX. All three times I sent them proof of payment. They finally admitted that my payment got credited to another account, but still did not credit my account. Also, they would not give a payoff amount. On XXXX XXXX, 2016 I submitted a complaint with the Better Business Bureau and the next day, according to their on-line web page/my account, they did something. It is very confusing because they credited half the amount of my payment and had some principal numbers and interest numbers and unapplied numbers. But I was happy because my XXXX billing statement showed I was currant in my payments. Also, I received a payoff statement which seemed to have the correct amount. However, I have since received another billing statement for XXXX that states they have put my XXXX payment in their " Funds in Suspense '' account and they want me to pay XXXX payment again. And I received a foreclosure letter from them dated XXXX XXXX, 2016. A week later I received another letter that was a copy of the first. Both letters state I have till XXXX/XXXX/2016 to cure the default in the amount of {$0.00}. This makes no sense to me. I have always been paying them on time ever since they have assumed the loan.
05/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM 870XX	Web
I paid off my loan XXXX days ago and was promised that I would have all of my paperwork in XXXX days, which was up XXXX XXXX, 2015. The only thing they sent is a Certificate of Title shat shows a Lien Release on my Manufactured Home. This is a Land Home Package. I have nothing to file at the County that shows my land is paid for. When I called Green Tree Servicing LLC on XXXX XXXX, 2015 the person made more promises to send my papers, and was extremely hard to understand but he finally told me I would be getting my papers soon. On XXXX XXXX, I got a letter telling me it is paid off. That is not sufficient. I was promised that I would get a Letter of Satisfaction, and my Original Note. Anything else is just not good enough. They have already admitted in an answer to a QWR that the mortgage was sold to investors ( which was not recorded in XXXX XXXX NM ) and last I heard was in a XXXX XXXX XXXX, with XXXX Bank as the trustee, and Green Tree Servicing LLC as the servicer. Anything else other than the original Note and Mortgage Satisfaction letter is not good enough. They sent me a photocopy of the note, so their is no legal reason for them to withhold my Note from me. So far they are giving me the runaround, and wo n't send the papers. If I want to sell my property, I can not do it without the proper paperwork. If they do not send my Note back, how will I know it is not still in that trust, making them money.
12/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92128	Web
On XX/XX/18 my home sold which was financed through Ditech. I had an escrow account set up with my home loan to pay for property taxes and home insurance. Upon closing on XX/XX/18 I was due a refund of {$2300.00} from Ditech. I have called their customer service number several times as I have never received the refund. I wrote down the following dates that I have called in regards to this matter ( there may be more before I began to keep track ) : XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. Each time I have called I have verified my correct address and been told they will research the matter, stop payment on any checks that may have been mailed previously, and send another check. On XX/XX/18 I was told I would receive payment within 10 business days and was told to call back on XX/XX/18 if I had not received payment. I was traveling on that date, so I made sure payment hadnt been received while I was away and called upon returning home on XX/XX/18. On this date I was told there would be a supervisor review performed and I should hear back from them within 3 days. If not, I am to contact them again on XX/XX/18. I am concerned as every time I call I am told a check will be sent promptly and it has now been over 4 months. I have not been told if a check has ever been sent at all or if the matter is still in processing waiting to be sent out. I am hoping to get this matter resolved ASAP. Thank you for your help.
08/26/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07871	Web
I am currently having a problem with my mortgage company Ditech Financial. I received major damage to my property through a windstorm on XX/XX/18. My insurance company wrote me a check for repairs which is being held my Ditech Financial. I am eager and willing to make all repairs as soon as possible however Ditech will not release the needed funds for the repairs. Ditech is relying on unreasonable requests from me. I have been in XXXX XXXX for 35 years and will make self repairs. However, Ditech Financial will not allow this. I have already completed large amounts of the repairs to prevent further damage. I have been dealing with Ditech on a daily basis and they have released very minimal amounts of money. I will be unable to make my continued mortgage payment on the property due to Ditech not allowing me to complete repairs. I am in fear of losing this home due to foreclosure caused completely by Ditech 's unwillingness to use common sense. I have been supplying Ditech with all the paperwork they require but they have been uncooperative. Ditech will ultimately cause more damage then the storm did. It should be a crime for a financial institution to hold your money hostage and delay repairs of my property. They should be a helping hand not a road block. I have sent several letters and request with no responses. I do not know what else to try. I am currently making complaints to whom ever may be able to help.
05/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76009	Web
Ditech Mortgage has committed fraud by changing information on my account. After asking repeatedly to get an account detail list of my payments, the company that just purchased them send me a list. I discovered in XXXX Ditech claimed I refinanced a loan. There are no documents shown to prove this. Furthermore I would never attempt another loan with the company or refinance. In fact I've been paying down on my principal. Another situation is their reporting of late payments in XXXX and XXXX which is affecting my credit. I have tried to explain this many times and may have to resort to legal aid. There were a few times when I communicated with Ditech by phone. An employee of Ditech, XXXX approved of having my payments deferred. Three months later I was contacted by Ditech telling me this was not approved even though XXXX told me it was. I made up the payments slowly but there should not be a bad credit report because I acted in good faith and believed this was settled. Ditech Mortgage is in bankruptcy and another company has taken over but they can not answer for the past errors. Please help. I have a mobile home about to fall apart. I'm trying to buy a new home and will pay off my mortgage with the sale of my land. Everytime I look my credit keeps changing. It went up to XXXX now it's below XXXX and I've not made a late payment to anyone since early XXXX. I desperately need help!! Thank you, XXXX XXXX
04/19/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 539XX	Web	Servicemember
I currently have a mortgage with Ditech. Ditech is directed to escrow funds for Taxes and insurance that come out of my monthly installment. My ending balance in escrow at the end of XXXX was {$420.00} after paying my taxes of {$2100.00}. However Ditech said they received a second invoice from the municipality for taxes and paid them again in the amount of {$2200.00}. In this case my escrow was in a negative balance and Ditech to o the liberty of charging me on my escrow account showing I had a negative balance. The taxes have been paid in full with Ditech se cond payment a nd Ditech was issued a payment back from their tax department on XXXX XXXX XXXX in the amount of the first check of {$2100.00}. However my escrow account has NOT been credited. I have been paying interest on money they stole from me. I have been trying to get a payoff since XXXX XXXX XXXX and no one is helping me. I fee l Ditech is us ing my money. Fraudulently added {$2200.00} onto my account without my permission and I have been being charged o interest while they are using my money. I have also been paying interest on my balance of the loan because I can NOT get an accurate payoff statement. Please help me resolve this fraud! How many times do most people ever review their escrow account and get taken ... I can assure you if the tables were turned I would get penalties, interest and a bad credit rating.
11/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98032	Web
Ditech imposed a Past Due Amount on my XXXX/XXXX/2015 billing statement in the amount of {$240.00}. The Total Amount Due on my XXXX/XXXX/2015 statement was {$1100.00} and the Past Due amount was {$0.00}. They received my payment of {$210.00} on XXXX/XXXX/2015 and a payment of {$1000.00} on XXXX/XXXX/2015 for a total payment of {$1200.00} ( more than the required payment amount ) therefore I do n't understand how there could be a past due amount of {$240.00}? In the month of XXXX, they applied {$240.00} of my monthly payment to Escrow and the balance of {$960.00} to Unapplied Funds which caused all payments after the XXXX payment to be applied to Unapplied Funds. My escrow analysis said the shortage would be spread over 24 monthly payments beginning XXXX/XXXX/2015 therefore my XXXX payment should have been applied as billed ( {$200.00} principal / {$770.00} interest / {$190.00} escrow ). I 've been in contact with many Ditech people via telephone during the past 5 months trying to get this corrected but my account continues to show as past due and I continue to receive collection calls. I am tired of the harassing collection calls due to this error therefore I would also like to request, in writing, that no telephone contact be made by your offices ( Ditech Financial ) to my home or to my place of employment. All future communications with me MUST be done in writing and sent to my mailing address on file.
11/03/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC 28412	Web	Older American
I have made numerous contacts, ( copies will be attached., ) with Ditech , ( my mortgage servicer ), requesting to initiate procedures to eliminate my PMI charge of $ XXXX per month. They have taken more than four months to schedule an apprasil which as yet is not scheduled. It took XXXX XXXX XXXX to XXXX XXXX XXXX, 72 days and XXXX phone calls to be told that I have to authoize an apprasil in writing. I sent this auuthoriztion by email on XXXX XXXX with a copy by XXXX mail. I was told by email from Ditech on XXXX XXXX that an apprasial had been ordered. On XXXX XXXX, they told me by phone they could not tell me who the apprasier was that they only had an ID number and I should be contated by the apprasier within a week. I was contacted on XXXX XXXX by a person to schedule an appointment. During that appointment I learned the this person was not an appraiser and she had received an ordfer three days eariler to provide Ditech with a Professional price opinion. Obviously, rather than send an appraiser on XXXX XXXX, as promised, they sent a person to do a " professional price opinion '' which they have and will not furnish to me. I requested the opinion the same day it was availabel to them. I am fully aware of the procedure for eliminating PMI and do no believe their Procrastinating techniques in order to collect more PMI premiums ar within the law and obviously costing me money unecessarilyCan you help!!!.
08/29/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 95054	Web
I refinanced my home with XXXX XXXX. Green tree asked for 2 months of interest as well as 2 months of mortgage insurance to close my loan. They had XXXX in my escrow account at the time. Asking XXXX to close a loan, when you really only need XXXX ( interest ) makes it almost impossible for someone to be able to get the cash together to close on a refinance. They actually try to trap you with them as your mortgage holder. They also told me ( despite the proof of wire xfer ) that they had not received my money on Friday from the escrow company. Paying ANY mortgage insurance upfront is unnecessary as they have a balance in the account and will not be paying any future MI on my behalf. It is just a ruse to be able to float my money. First rep said they would refund me in 5-7 business days. Another one said 14 business days. Now it is 30 business days. No one would give it to me in writing. How are they able to behave this way? Forwarding to them will be useless - they are useless and nasty on the phone. And they lie. in 30 days someone will respond and say " we are looking into your request '' in a generic, boilerplate letter, with no contact information other than the XXXX number where you get nasty people. Go ahead and submit to them. I have refinanced, and I will do my best to bring any legal action against them that I can. Worst loan servicer ... Ever ... Nasty, unscrupulous and they lie.
04/21/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	AZ 85283	Web
I had a house ( bought in XX/XX/XXXX ) put {$65000.00} of my own money into. I could n't make the payments on without a loan modification. At the time the mortgage was held by XXXX XXXX. We were working on a loan mod. I was making all payments and complied with all requests to get the loan mod. Suddenly my mortgage was sold to GREEN TREE. At first they did n't want to honor the deal I had going with XXXX XXXX, but finally relented. We worked out a 6 month deal that if I made my new amount of payment for 6 months we couls work out a loan mod. I did. The deal they offered me was the amount I owed on the house plus the amount of missed payments and they were going to work out a kind of vraiable interest rate. something like 3 % first 3 years 4 % next 3 years and then I think is was XXXX the rest of the loan. Totaling somewhere around $ 250,000+ for a house worth around {$160000.00}. I counter offered at {$170000.00} 5 %. They immediately said No my house was foreclosed on in a couple of months and sold at auction for {$110000.00}. I wanted to short sale, they said If I could get it done before the foreclosure date which was less then 60 days away. I let the house go. I was beside myself and felt so betrayed.I finally lost the house in XX/XX/XXXX. I just saw that GREEN TREE settled a lawsuit from you with similar cicumstances. I still owe {$49000.00} of the {$65000.00} I put into that house. Can you help me?
10/22/2019	Yes	Mortgage VA mortgage	Trouble during payment process	MS 38654	Web	Servicemember
In reference to XXXX with Consumer Finance Protection Bureau. Ditech had not only lost our two payments, but has finally found them at the conclusion of the above complaint number. They had said they would apply the funds and fix any late charges due to their losing our payments. After going on their website at the conclusion to the above number, I found that they had not applied any of the funds and still showed us as being late for a payment that they had lost last year that took three plus months to resolve. After sending them a comment on this on their website, they applied the funds. They then sent us a letter stating that we owed {$7.00} dollars and some change for a late charge from this past fiasco in XXXX and XXXX. I am not paying any late charge because they lost our payments, and they had said that they would take care of the late charges. This is harassment! Now, they have reported us to the credit bureau for " Being Late. '' This is ridiculous! I am tired of their tactics, I waste hours of my day trying to call them and staying on hold to end up with a person that can't do anything other than say they will look into it and meantime I continue to get letters from them threatening to take our house and so on. I believe this borders on being personal. I have never had this problem with any mortgage company that I have dealt with before. It is their own ineptitude, that is causing these issue!
12/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 324XX	Web
XX/XX/XXXX my home was in hurricane Michael. After my insurance company came out they deemed my home a total loss. I received my checks from my insurance company y and overnighted them to payoff my 1st and 2nd mortgage with Ditech Financial. They received my checks on XX/XX/XXXX. I was informed by the company that they hold the checks for 10 to 16 business days! I am trying to close on a new home on XX/XX/XXXX. And I have called Ditech several times to see what is the hold up on paying off my loans. I have called Ditech and talked to 3 different managers in the claims department, and today XX/XX/XXXX. I was told that they put my checks to the " front of the line '' and when the payoff department gets them, it can take 3-6 business days to process them! I explained to them in great detail that they are delaying me to get my closing on my new home. Now I asked for Ditech to email me a letter stating that they have my checks since XX/XX/XXXX, and to explain to my new mortgage company, XXXX XXXX what Ditechs process to show for the FHA financing I am getting that the mortgage will be paid in full. I was then told that to get this letter can take several days! When does this end! Basically they are holding my checks for almost or near a month! I have attached the letter they wanted me to write, copies of the checks, and the XXXX XXXX label and the acknowledgement that when Ditech received my checks
05/09/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	WA 990XX	Web	Servicemember
I have a condo loan that I refinanced. Currently with Ditech mortgage. I originally lived in it but moved out due to the elevator not working ( XXXX XXXX XXXX veteran that XXXX XXXX XXXX XXXX ). I was told that I would have PMI and was not given any PMI disclosure form or anything to sign. I had assumed that it would be discontinued automatically a t 80 % equity. I contacted Ditech at that point ( XX/XX/XXXX ) sin ce I had always been on time with my payments and had paid my mortgage down quickly. I was told that in a lette r XX/XX/XXXX I wa s a t 78.6 % an d it was not going to be removed until I was a t 70 % .. Sinc e that time, I have written a letter requesting a copy of the PMI disclosure, and called them asking for it. I talked to XXXX on XX/XX/XXXX XXXX pacific time . She said my appraisal was XXXX and I was scheduled to have PMI removed at XXXX . She could not find a copy of my PMI document electronically but requested it from archives. I had previously been told my automatic removal date ( before beginning the paydown would have been XX/XX/XXXX . I continue to pay extra on my mortgage and would never have agreed to refinance with a removal at 70 % since this would not have gained me anything on my refinance. I feel my PMI should be removed immediately and all PMI refunded when I hit the 80 percent. I have no desire to pay for an appraisal.
08/20/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 334XX	Web	Older American
From : XXXX To : Consumer Financial Protection Bureau Sent : XXXX XXXX, XXXX XXXX Subject : Dispute of results : Case # XXXX Thanks for your help : Case # XXXX Dispute of results. Having reviewed your report -- -I would like to dispute the report sent from Ditech . 1 ) They fail to state the Mortgage balance I am anxious to know -- they can not surely state that they are using the XXXX value of {$290000.00}, as they have continued to state as the true balance every time I call to try to get another agency to refinance this loan. 2 ) I have paid always paid my mortgage on time and must have accrued some enquiry since XXXX ( XXXX to XXXX ) I did file bankruptcy in XXXX XXXX -- here the rate plunges from 6.125 % to 4.250 %, causing this Mortgage balance to reduce. Then also the secured balance was $ {$260000.00} -- so it can not be above that sum. With the adjusted interest rate to 4.250 %, this balance should be {$240.00} or less as indicated from the print out they sent to me for Ditect after -- XXXX inquirer. 3 ) So, I am disputing their report for further information : -- - What is the true Balance of this loan? -- - What is the % of the loan? -- - Why do they continue to tell me, and list the sum of {$290.00} as the balance of this loan? -- - I would like the true sum to be posted, so that when ever I call or whom ever checks on my behalf will have the accurate balance. XXXX Case # XXXX
03/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30062	Web
I had a mortgage loan that was purchase by Green Tree the month before it was paid off. My taxes were not paid by Green Tree. I was informed this by a late notice from the county and paid the taxes in full myself. I have been speaking with GreenTree for over a month trying to get the refund for the {$390.00} they state was paid to the county. I was finally told on XXXX that Green Tree cashed a check on XXXX/XXXX/15 for that amount. I am being told that they are trying to find my funds in-house. I just hung up with a representative from the tax department that told me that her department received the funds on XXXX and supposedly forwarded those funds to the escrow department, but the escrow departmet states they have not received those funds. The rep I finished talking with today took my cell number and said a supervisor would call me when my funds were located. Considering my account has been closed since XXXX and that Green Tree confirmed they as a company do have my funds, I do n't think it is okay for them to delay sending me my refund. I also do n't think it is okay that I had to pay late fees since they did not disburse my escrow account correctly to pay my taxes on timej. Can you please help me recover my money from them or advise me what I need to do to make this happen & gt ; If I owed them money, they would be charging me interest and penalty fees. I just would like my refund now. Thank you.
09/30/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	WI 53221	Web
Hi, Back in 2014 I filed a CH XXXX Bankruptcy that did NOT include my mortgage lender. I recently noticed that on my Credit bureau report they have it reported " closed for derogatory reasons ''. I have never been late on my mortgage ever. ( I did open a dispute with the credit bureau report services and am awaiting a response ). But I also noticed that my payments which I pay on a biweekly basis with the sole purpose of saving on daily interest in the long run. However appears all my payments are going in a " suspense '' account and not even being credited to my Loan as they are received. This I am confused about? How is this legal they can do this and short me of all the potential interest I could be saving? I have never missed a payment, nor ever been late. This was not filed in my bankruptcy. I am having a hard time understanding. And when I reach out to them I can sit on hold for OVER an hour 90 % of the time. I got a hold of a rep once in numerous attempts who explained this " suspense account '' to me, with no reasoning or explanation as to why. Just said that 's how it is because I am in bankruptcy ( again even thou my Mortgage was NOT included in the Bankruptcy ) So I need to know 1 ) why is this reflecting closed and derogatory on my credit bureau. And 2 ) why are the payments not be credited accordingly to save on the per diem as it should be? Any assistance would greatly be appreciated!!
02/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 393XX	Web
My husband and I tried to purchase this home but was told we needed a co-signer to get a better interest for the home or pay a larger down payment. My mother in law had perfect credit not one blemish. They put the mobile home in her name and me as the co-signer. It suppose to been for one year. They wouldnt take it out of her name after the first year and learning later that we were charged the highest interest rate. We have had ups and downs with payments through life, health and other endeavors. We owe just as much now on the mobile as the beginning over 18 years ago which is contributed to that misleading interest rate on a perfect credit score. We also found out that the insurance over the years were financed in with the note resulting in this high payoff. Our account number as always been the same for the last 18 years. We received this letter with the change of account number as well as a different way to start paying the insurance separately. If this was done in the beginning .... with paying the insurance separate, our payoff would be different and it would have dismissed all of that interest. I received an email about an inquiry that I suppose to submitted on some concern or matter but I havent submitted anything to Ditech about a concern. Here is our original contract, a copy of our new account number and insurance payment options and the email suggesting that I inquired about something.
03/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 354XX	Web	Older American
I am filing a complaint against DiTech Mortgage Company/Greentree. XX/XX/2015, I returned home from a visit with family and my locks were changed to my home and a written notice stated that XXXX XXXX had performed this action, due the property being abandoned. I was paying my payments just one mo. behind and I had contacted the company and stated when I would make the payment, no one mentioned the action by the XXXX XXXX before they came out. When the company was contacted by me, I was told I needed to pay over {$2000.00}. to get current and no more action by the XXXX XXXX. After I made the payment, the XXXX XXXX. came back again in XXXX 2015, with notices stating winterizing my home. I contacted an Atty. who contacted DiTech by certified letter but Ditech failed to respond. DitTech charged me fees for the XXXX XXXX coming to my home, claiming that they did repairs. My mortgage payments increased. I do not receive payment statements. I call and pay the mortgage by phone. Ditech sends me advertisement for a modification loan and/or reverse mortgage. I am still paying but I am struggling to stay current. 2.Desired Resolution : 1 ). Respond to my Atty., answering the questions addressed in the letter. 2 ) Do not send the XXXX XXXX to my home, again. 3 ) Send me monthly statements 4 ) Do not raise my payments for at least another year. 5 ) Take off the fees that I was falsely charged by the XXXX XXXX.
08/03/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AZ 85233	Web
We have sent XXXX qualified written requests to our mortgage holder/servicer and have not received the requested documents to date. Verbal confirmation not written was given that they did receive the requests. Original request was XXXX XXXX, XXXX Notice of second request was sent XXXX XXXX, XXXX On XXXX XXXX, XXXX we received a packet with loan documents for a XXXX XXXX out of XXXX, XXXX. Rather than receiving any written confirmation of receipt we were notified to fill out forms for loan Modification Each time we asked our rep or customer service person for the status of the written request we would be told it was in the file and they would have to transfer us. We were hung up on so many times and during that time the loan was transferred from Greentree to Ditech. We sent and confirmed another request on XXXX XXXX, XXXX. Since Ditech has taken over the loan our customer service person has changed 5 times in less than three months. We were also told that our loan modification consideration was stopped in XX/XX/XXXX when they determined there was a unfulfilled qualified written request on file. We now have received a Notice of foreclosure and have still await qualified written request documents. On XXXX/XXXX/XXXX we again sent a qualified written request ( this would be XXXX in total ). We are trying to work with the XXXX Save our Home Program and need documents to provide for consideration.
05/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 770XX	Web
Green Tree Servicing LLCXXXX XXXX XXXX SD XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct. No. XXXXMy loan was transferred ( sold? ) to Green Tree on XXXX XXXX, and since that time I have had nothing but problems with Green Tree ... the main problem is that XXXX did not apply, or did not notify Gree Tree, of my XXXX XXXX payment ... XXXX XXXX XXXX has been involved and helping me with trying to work this out, but Green Tree seems to be totally unwilling ... I have sent XXXX my payment records to XXXX for the past year, which shows I DID NOT MISS ONE MONTH OF PAYMENTS and also SENT ADDITIONAL FUNDS SEVERAL TIMES DURING THE YEAR ... .I am attaching this once again. I am upset that my loan was sold and I now have to work with this company who is totally unwilling to do anything but demand XXXX PAYMENTS. I have told all of your reps my husband passed away 3 years ago, my income was cut in half, and I have only missed XXXX payment in those three years, and that was the month after he died, when his employer wiped out my checking account. I am willing to hire an attorney to help protect my home ... but do not see the need to. This is truly so frustrating. Please please have someone contact me. Sincerely, XXXX XXXX XXXX XXXXthis is a summary of my complaint with XXXX Tree..this is the most unbelievably frustrating situation, and they are not willing to help me, only threatening my credit and home..
03/25/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IN 46217	Web
After receiving a summons for foreclosure in XX/XX/XXXX I completed the answers within 2 weeks of receiving the summons and had this turned in by the deadline date. I also sent in a request for a settlement conference to be scheduled within the provided deadline. Once that was completed my husband and I contacted the XXXX XXXX XXXX XXXX ( XXXX ) for additional assistance. While working with the XXXX they were able to help me complete my loss mitigation package which was provided to the lender and the lenders attorney on XX/XX/XXXX. Since XX/XX/XXXX I have not received anything in the writing from the lender regarding that package. A lady by the name of XXXX XXXX will call both myself and my husband during business hours when we are not available. My husband and I have both returned her calls and left voicemails of when is the best time to reach us and she will never call during these times. Every time we call her it goes straight to her voicemail, which we then leave a message letting her know when to contact us. The only thing we have received in writing since the loss mitigation package was completed are letters simply stating that XXXX XXXX is our point of contact. I have now been assigned an attorney ( XXXX XXXX ) through the XXXX who has confirmed that the settlement conference has not yet been scheduled and that written contact has not been made and he will now be an appearance on my behalf.
07/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ XXXXX	Web	Older American
XXXX XXXX : Called ditech regarding error on XX/XX/2019 Billing Statement. Billing Statement indicated Past Due Amount for XX/XX/2019. I advised Customer Rep. payment was made and check cleared by my financial institution. Customer rep. verified, advised statement was " mailed before payment was received. '' She could provide no reason why no notice of lack of payment and/or Notice of Late fees was mailed. I requested a duplicate statement reflecting an accurate account of the on-time payment, current balances of Principal and Escrow balances, as well, as the lack of late fee assessment. It is important to know the request for amended statement was based on prior experiences with this company and their lack of coordination and/or communication within and among departments. In addition, the company 's endorsement has been and will be required regarding insurance matters. However, there was a stipulation in the agreement that allows me to handle my own taxes that, in essence, allows ditech the option of reversal of payment through them, if it is deemed payments were not consistent. Based on previous experiences with ditech and their previous entities, this complaint is prophylactic in nature, as such alleging late payment history can trigger a reversion of my tax monies to their hands. I do not hold any confidence or trust in the performance and practices of ditech or their predecessors.
04/23/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95624	Web
I have contacted Ditech MANY times about my concerns, but nothing ever gets resolved. Every year, they send a XXXX statement to me, and I end up paying taxes on that amount. I have asked them at least seven times where this interest they have supposedly paid me is. Most recently, I asked in XX/XX/2019. I keep getting put off. I got a letter saying they were looking into the matter. Then I got a letter saying they were still looking into it. It's nearly the end ofXX/XX/XXXX, and no one can tell me where this interest they supposedly paid me got credited. I have checked my account every month, gone through the escrow, funds applied to the principal balance, etc., but there's no record of my EVER being credited any interest. This has been an annual battle, and I'm weary of it. I'm fine paying taxes I owe, but if I'm not getting the interest as Ditech is claiming, I should not be paying taxes on it. More recently, when I went to pay off my mortgage ( on XX/XX/XXXX ), I noticed they charged me {$190.00} in late fees even though my mortgage due date is on the first of the month, and they had already processed my XX/XX/XXXX payment. I can't be paying late if I'm 10 days early. Both of these issues seem like consumer fraud to me, and I'd like help getting this sorted out. Ditech is useless when I call or write. I get a run around and " we're looking into it '' without ever getting resolution.
08/21/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KS 66062	Web
My name is XXXX XXXX and live at XXXX XXXX XXXX XXXX, XXXX, KS XXXX, I purchased a home through XXXX XXXXXXXX XXXX in XXXX, in XXXX the mortgage was purchased by XXXX XXXXXXXX XXXX in XXXX GreenTree purchased our mortgage and then in XXXX Ditech has merged with GreenTree. I was unaware of any kind of problem with Ditech Inc, ( Account # XXXX ) until I ran my credit report. They are reporting my payments being late from XXXX XXXX to current XXXX XXXX from 30 to 120 days late, our mortgage has not been late during this time frame and has been paid on time per the written contract with XXXX Mortgage signed in XXXX. Ditech is not honoring the contractual agreement terms of the mortgage holders that they have acquired. They are reporting my account past due {$7000.00} as of XXXX XXXX, per my bank records going back to XXXX XXXX XXXX my account is current. They are also charging me late fees when per the original contract signed with XXXX their is a Grace period from the 1rst of each month until the 15th, not considered late if paid prior to the 15th of each month. There are 8 instances on my Credit Report where they are not reporting the payments that were made to both GreenTree / DiTech Financial and the balance being unchanged. They are also incorrectly reporting the payment amount that was made to them for the months that are reported. They are incorrectly reporting the balance owed on my Mortgage.
06/08/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	IN 467XX	Web
On XXXX XXXX, 2016 we faxed a settlement of debt ( XXXX mortgage on a house we no longer own ) request to Ditech Financial to the fax number they had provided us during an prior phone conversation. A letter dated XXXX XXXX, 2016 from Ditech Customer Service stated that they received our correspondence regarding our account on XXXX/XXXX/16 and is currently under review. That we should expect to receive a response within 30 days from the date they received our correspondence. Then a letter dated XXXX XXXX, 2016 from Ditech Customer Service XXXX stated that our request has been forwarded to the appropriate department for review. That we may contact XXXX XXXX at ( XXXX ) XXXX extension XXXX or XXXX XXXX at extension XXXX for further information regarding our request. Then a second letter also dated XXXX XXXX, 2016 from Ditech stated that they are in the process of reviewing our written request and that their research has not concluded. That the purpose of the letter is to notify us of their ongoing investigation in an effort to provide a resolution. Again, any questions call XXXX XXXX XXXX XXXX. We have called and left messages on the following dates with NO response XXXX/XXXX/16 XXXX a.m. XXXX/XXXX/16 XXXX ( XXXX ) XXXX/XXXX/16 XXXX ( XXXX ) The only " correspondence '' we have received from Ditech is our monthly statement, which we continue to pay due to not wanting to damage our credit.
05/16/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CO 80127	Web
My credit shows a charge off for a XXXX mortgage back in XX/XX/XXXX which was service for XXXX XXXX XXXX by Greentree financial. Recently, Greentree sold out to Ditech. Ditech is now reporting me as late on a charged off from XX/XX/XXXX. I have a waiver and pay {$350.00} a month to an attorney. If I was hit for this being a charge off in XX/XX/XXXX and my credit reflects a closed account, how can I get Ditech to stop reporting this on my credit with today 's date, reflecting late payments? Credit wise, I was penalized for this in XX/XX/XXXX and years later, and am damaged with it reflecting as a charge off. I was separated from my husband who would not leave the home, and the home was in my name. I am accountabIe for the action. While in pre-foreclosure proceedings, we sold the house XXXX different times, but the servicing agency would not forward the sale info to XXXX XXXX XXXX and declined the proposed sale and settlement value. They then sold the house, and reported it as charged off on my credit. I will attach the credit report that is recently destroying my otherwise perfect credit now and for the last XXXX years while on my own, and the waiver that was worked outside this issue between Greentree and my attorney. Please help me to get this either reflected as charged off and done, or as an open account with a perfect payment history since the waiver agreement in XX/XX/XXXX. Thanks so much!
01/31/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75052	Web
This is a supplement to Case No. XXXX : We have since received responses from the credit bureaus that Ditech said the credit reporting information was correct. Today, we received certified notices for homeowner counseling with a PAST DUE AMOUNT OF {$7400.00}. Ditech is obviously not recognizing the new contract that was put in place during bankruptcy and filed with the Court, and acknowledged by the Court. The credit reports now have " Charged Off '' and {$0.00} past due. A XXXX, 2015 statement also states charged off, and {$0.00} past due, and now a new statement showing {$7400.00} past due. This is truly unbelievable. Do I need to take my savings and sue this company? They are in breach of contract, and have obviously violated FTC rules, wrong reporting on my credit report as Charged Off, rather than Included in Bankruptcy, and states {$0.00} due. So, technically it looks like on the credit reports we do n't owe anything. How can a company do this to people. They depend on their attorneys to have political clout within the court system, but hopefully I can locate someone to sue them in Federal Court where the playing fields are somewhat more level. I feel sorry for people that dont understand their rights, but unfortunately to exercise your rights, it takes a lot of money, which I do n't have obviously having gone through bankruptcy. Please advise the status of any assistance you can provide.
01/08/2016	Yes	Mortgage Other mortgage	Settlement process and costs	AL 360XX	Web	Servicemember
MY mortgage company started out with XXXX, then XXXX, Green tree, DITECH, Now DITECH FINANCIAL LLC. in XXXX transferred to GreenTree a debt collector as XXXX failed, then transferred to ditech. I started to questions the validation of debt and green tree or Ditech has yet to validate the debt. My understanding my deceased husbands estate XXXX out the balance of the mortgage when he passed away and information was provided to green tree and ditech. Public Policy and Alabama Law as a widow and heirs we have rights. The are continuing to report on my credit report now stating I had a mortgage with them XXXX/XXXX/XXXX this is a complete lie. I never had a mortgage with GreenTree or Ditech or signed a contract with them XXXX/XXXX/XXXX. to make it clear I signed a note with XXXX and I have documents of this. XXXX has released the lien and satisfaction of mortgage. Ditech has changed to Ditech LLc a debt collector and continues to report on my credit report and will not XXXX out the balance. I do ask them to credit my account. I have asked many time to see both sides of the books and a complete audit and they refuse. I hate to have to sue I will receive a large sum for all the fraud this company has done. Nor did I ever authorize this company to have my personal information. I have my common law copyright and trade mark on file in the county I live and sent a copy to Green tree. They have ignored me.
08/01/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90602	Web
I submitted a check to Ditech to reinstate my mortgage and they ca n't find the check. They said I need to get a reinstatement from the law firm which I submitted 2 weeks prior. I never got the reinstatement from the law firm called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I had to call Ditech again and they said they have no record of a request and will request again. I asked the woman to cc me or send me a copy of the request, she said she could n't. I then emailed the law firm the request and saved a request myself. I also tried to do a modification with Ditech and they said I was missing paper work. There was no missing paper work, I submitted everything which was required plus more. I have copies if you want. They then rejected my Mod. I also submitted for California Keep Your Home and they said I make too little money. What good is the program if I make too much money? This is becoming out of control. XXXX did the samething years before and got rejected for their modification program. I currently pay a 6 % interest mortgage for the past 10 years. Ditech keeps on swapping out new account reps on my account every 2 weeks. They each let the phone goto voicemail. I 've emailed in the website and do n't get a response. This is pathetic. No customer service when I 'm trying to pay the mortgage. I 'm actually trying to give them my money. These banks need to be shut down or thrown in jail.
12/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30071	Web
Ditech Financial ( formerly Greentree Servicing ) withdrew {$2000.00} from my escrow account for annual property tax payment to the county. The property was under contract to be sold. Ditech never submitted the payment to the county therefore requiring me to make the full annual tax payment to the county out of pocket. The property has now been sold and my account is closed. I 've contacted Ditech weekly for the past month requesting they refund the escrow monies taken from my escrow account but never paid out to the county. Each time, they assured me they would locate the funds internally and issue a refund. However, this has not taken place yet. Each time I speak with XXXX XXXX, tax manager, he is unsure of where the funds are internally and tells me he hopes he can locate them in hopes that he can have them refunded. As of today, my account has been closed for 30 days as I have sold the property and paid off the loan. The escrow amount of {$2000.00} has not been located and refunded to me and Ditech has not been able to provide me with a confirmed resolution. XXXX XXXX confirmed that the payment was withdrawn from my escrow account referencing a county payment, however the payment was being held internally and would not be sent to the County until XXXX XXXX, 2016. As of now, the funds are unable to be located and are due to me as the property has been sold and taxes paid by account holder.
03/13/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60618	Web
Due to the change in property tax law put into place for XXXX, thousands of homeowners paid their taxes in XXXX. I contacted Ditech initially to see if they could release the funds but they were unable to do it prior to the end of XXXX. They instructed me to pay out of my own funds and send them the verification the taxes were paid, and they would refund me the appropriate amount. I dutifully paid the taxes due and sent Ditech the verification. Weeks passed and I received refunds from my 3 other mortgage servicesr, but nothing from Ditech so I reached out again by phone and email. They promised to get back to me and never did. To date, I still have a message in their apparently worthless message center fromXX/XX/XXXX that remains unanswered. I called again and was told they would do an escrow analysis -- still no call or email. I just went on line and the brilliant conclusion by the band of roving XXXX is that my payment will not be increasing! No Kidding?! Meanwhile they still are sitting on my over-funded escrow account doing nothing. I just called again and after 15 minutes on hold, the call was answered and I was forwarded to an automatic survey which then hung up on me! It seems curious that this company with nothing but complaints continues to exist. Completely XXXX customer service and frankly illegal activities to hold my funds in excess as they have been for the past 3 months!
08/21/2015	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	FL 344XX	Web	Older American
We were baited by Ditech Mortgage company. We were told it would take no time our credit was good. We were never told that we must have a XXXX dollars in the bank for a refi. Instead we put out the money for appraisal XXXX. We are an elderly couple we explained that and never led them to believe we had extra cash in our accounts. Then we were told our appraisal had to be wrong because we purchase the house in XXXX of 2014 and in XXXX we were looking for a refi. We updated the house ripping out the kitchen putting in granite counter tops and new appliances. The appraisal came in XXXX higher then what we paid for the house. So Ditech was unhappy with that finally our appraiser wrote to them and explained. Then they demanded XXXX successive bank statements to prove we had one months mortgage payment. This began a nightmare for us. We used our savings and even made a late house payment to please them. The worse thing is they told us they saw we had not paid our mortgage thus rendering us unable to get a refi. IF in the beginning we had seen the FHA requirements or if Ditech had instructed us upfront we would have NEVER gone with them. Now we out of XXXX dollars and out of our mortgage which our lender is most helpful and understood what happened. We will clear this up by a double payment. In the meantime we have no money for this month groceries. Thanks to Ditech who owes us the appraisal money.
11/28/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33460	Web
After making on time monthly payments, DiTech has decided to report me late to the credit bureaus. In addition, they continue to state I owe monies that i do not owe. They claim it is due to escrow shortage however, my escrow statement from XX/XX/2016 shows an overage. DiTech states that the payment changed due to escrow changing. Per my contract, it states that the escrow amount XXXX change after the first year, not before I made my first payment. In addition, I 've been leaving messages for my DiTech representatives to discuss the matter per their previous complaint response and HAVE NEVER RECEIVED A PHONE CALL BACK EVEN AFTER REQUESTING ONE. Here is a list of dates : XXXX at extension XXXX : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. XXXX extension XXXX : XX/XX/2016, XX/XX/2016 she stated she submitted a verbal dispute, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. XXXX ( manager ) x XXXX : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. XXXX x XXXX - I spoke to her on XX/XX/2016 and she said she would have an account manager call me back. I tried reaching her several more times after I did n't get a call and could never get through to her again as she had no voicemail set up.
12/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32824	Web
I was two months behind on my mortgage. I did not make a payment for the month of XXXX or XXXX. However, I made my payment on XXXX XXXX, 2015, in the amount of {$3700.00}, which included late fees. Since I was two months late, I have no problems paying the penalty. However, I refuse to pay a late fee, when I am not late with my mortgage payment. I received my XXXX 2015 bill with a late payment XXXX in the amount of {$42.00}, for my XXXX payment. I made my full payment of the entire mortgage that was owe. Per my mortgage contact, I have a 15 day grace period in which to make my payment, before it is considered late. Making my mortgage payment on XXXX XXXX 2015 is not considered late per my mortgage contact, when in fact, my payment included all of my late charges for the month of XXXX and XXXX. Like I have stated in the past, I will not make my payment until I have to, which is on the XXXX day of each month. If I pay after the XXXX, its on me and I will pay the late fee. I am not going to pay late fees when in fact, I have not made a late payment. Additionally, I am receiving harassing telephone calls everyday at least XXXX or XXXX times per day and no one leaves a message. I refuse to be harassed by telephone calls. If the calls are important leave a message and I will return the call, otherwise, I want the harassing telephone calls to cease and desist as the calls are to annoy and harass.
10/31/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 78664	Web
Dear Consumer Protection Division Ditech will not acknowledge receipt of my complete borrower 's assistance application received on XX/XX/2016 in their Loss Mitigation division in XXXX, AZ. Ditech Financial is generating statements claiming that my loan became delinquent on dates that are not true since they took over my loan in XX/XX/2016. I keep showing them proof of payment. Ditech is not posting payments on the day it was received. The statement dated XX/XX/2016 was received XX/XX/2016 and the statement dated XX/XX/2016 was received on XX/XX/2016. The statement dated XX/XX/2016 inaccurately states XXXX payments were missing. Check number XXXX for {$1100.00} was received XX/XX/2016 and cashed XX/XX/2016. Yet, Ditech held posting the payment until XX/XX/2016. Since Ditech likes to call payments not received on the XXXX of the month as missing payments. Ditech will not apply my additional principal to the principal and is putting them in a funds in suspense account. Enclosed the tracking information for my XX/XX/XXXX payment received XX/XX/2016 and the borrower 's assistance application which was received XX/XX/2016. Returned checks for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 statements. Copy of check # and XX/XX/2016 statement stub for XX/XX/2016. A copy of the letter with borrower 's assistance application showing all the documents needed to process the application were submitted.
11/20/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NY 12205	Web
DITECH is the absolute worst mortgage company to deal with. They have been holding our insurance check since XXXX and still have yet to release our funds to us so we can begin repairs on our property. We have called them every single day to check on the status of our check and they have noted our calls and that all of our paperwork was processed. Today our check is supposed to be released and sent overnight. When my husband called to make sure of this they tried to inform him that there was documentation missing from the file. At this point, DITECH is playing games with us. We get a different rep every single time we call in and the operator gives you very basic information. It is so frustrating dealing with this company. The amount of the check is more than the value we owe on the property. It is our money. It is for us to begin repairs. It is not a difficult case and a few documents that were needed have been given to DITECH back on XX/XX/XXXX. They keep pushing us days later and saying they are behind schedule because of hurricane claims. I should also mention that DITECH was not even our mortgage company when the accident occurred. We have been running around and dealing with a dozen other things in order to get this process started and yet DITECH who is handling our claim has NEVER REACHED OUT TO US! We always had to call into their call center and try to figure out what is going on.
07/08/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 18103	Web
For the past several months there appears to be an extra charge on mortgage statement of {$32.00}. I contacted my mortgage company several times about this ( Greentree Mortgage ). And every single time I call, their representative gives me a different excuse for that charge ... i was told its a late fee ( their late fee is {$26.00} ), I was told I over paid XXXX month and because of that their system now thinks thats my new monthly payment, i was also told that years ago my previuos mortgage company did an inspection and thats what that charge is for. I even spoke to a supervisor who told me that there was an error in the billing, however all those customer service representative said to disregard that and that it would be corrected. After months of calling them and getting different answers I 'm still getting this charge and no one can correct this. I even sent an email to the company. Just on XXXX I called XXXX times got no where, XXXX person I spoke with transfer to someone else who then put me on hold while she research the account then hung up on me while I was waiting for her on hold. I feel there 's a mistake on my account and no one wants to correct it because whenever I call their customer service rep does n't understand my account, puts me on hold and then they all give me a different reason for that charge. By the way my monthly statement does not give a reason for that charge.
02/18/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92154	Web	Older American
To whom concerned : I received paperwork from Ditech Mortgage my Homeowners/Hazard Insurance for property XXXX ( account number XXXX ) was expired or cancelled dated XXXX. I have no Insurance Escrow on this house and have been paying this Insurance since the mid 90 's. The enclosed current Bill statement from XXXX dated XXXX shows a prior balance of {$600.00} and a current balance of {$550.00}. The next Insurance payment will be {$58.00} due XXXX. Policy coverage on Bill statement is from XXXX to XXXX. I have no record of XXXX cancelling or policy expiring. I also have enclosed current Insurance Policy, Number XXXX showing current protection for XXXX. I am writing this letter to your Bureau today- XXXX and will be faxing the proof of Insurance ( Hazard ) and current XXXX Insurance Bill along with sending these Certified Mail XXXX to Ditech . I also sent you ( CFPB ), Ditech 's letter stating Hazard Insurance expired and/or cancelled. Ditech explains in letter that I have 45 days from XXXX to send them required proof of insurance. I will send you ( CFPB ), Certified Tracking Number after mailing subject paperwork to Ditech. I am informing you prematurely since Ditech as not officially assumed responsibility of paying Insurance. Respectfully I want to Thank You for your assistance and professionalism that you have provided, clarifying confusion and error in a ever changing mortgage world.
01/21/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90746	Web	Servicemember
hi im XXXX XXXX my complaint is with green tree mortgage green tree mortgage does not want help me getting my home qualified for a loan modification my home goes on sale Monday XXXX/XXXX/XXXX they are telling me im 8 months behind and its not true there reason for my delinquency there not applying my payments to the my account they keep asking to speak to my husband XXXX XXXX who is also on the title but he passed away XX/XX/XXXX we were originally with XXXX but later was passed to green tree because I filled a law suit with XXXX XXXX XXXX they gave my husband a loan when they new he was placed on hospice care soon after his passing I later had to get a loan modification because I was upside down on my house and since green tree is now the lender they refuse to deal with me even when I sent more proof of my husband being passed away I got a lawyer and found out it was a scam I lost money on that if it was n't for my oldest son moving back in I would of lost everything my family and my house is all I got and there trying to take that from me I did find out there was some illegal stuff done in my contract from the bankruptcy attorney that I hired this week im going for chapter XXXX so I can get time to find help for a fair and new loan modification its a lot more I would speak to some who can help me im up in age and would like for my grand kids to have my home in the future please help me
07/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 06118	Web
I just went through a lengthy loss mitigation lawsuit with Green Tree Servicing. We each had attorneys and once the paperwork started moving, we came to an agreement. I made the XXXX XXXX payments as promised, beginning in XXXX of 2015. The next payments XXXX XXXX and XXXX XXXX were for the same amount. I have all payments sent automatically by my bank so there is no problem and there was none -- until I received the statement for XXXX. There are charges on there that were never mentioned in the agreement. One of them is in the amount {$2100.00}, which was supposed to be a forbearance in interest charges. That was outlined in our agreement. The other is for {$5.00}, which was never mentioned in the agreement and they tell me it is for attorneys fees totaling {$53.00}. They are going to charge XXXX payments of the {$5.00} for that, beginning with the XXXX payment. When I asked " XXXX '' why did I see the {$2100.00}, since that was a forbearance amount, he stated that it was for back interest and I would be charged for that later (? ). When I asked again, he said " I ca n't answer anymore questions, do you want the fax # to write your letter directly? '' What I am looking for is that my agreement be honored ( as I have made good faith payments as promised ) and that Green Tree does not add their bogus fees to my mortgage payments. It is not right and will not go away without intervention.
03/31/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 283XX	Web
In XX/XX/XXXX I modified my mortgage for a 30 year fixed rate which created a monthly payment of XXXX. In XX/XX/XXXX I lost one of my part-time job and Ditech told me about a mortgage foreclosure prevention agency in North Carolina. I applied and qualified, the granting agency through their credit consumer advised me that I did not have to pay the mortgage once I qualified for the grant. When I applied XX/XX/XXXX I was one month behind. Six months after the grant started paying my mortgage, Ditech arranged with the granting agency to increase my monthly amount to XXXX per month. When I contacted Ditech they told me the original amount of XXXX on the loan modification would be restored when the grant period ended. Well almost a year later my amount was never restored to what the loan modification was and further they dont even have the loan modification now am I the one that is crazy, I have acopy of the agreement with signatures. So am I crazy no, but I am now facing foreclosure and my dad who is XXXX and very sick with XXXX and a double XXXX XXXX and XXXX XXXX XXXX lives with me. I am getting very sick and am at my wits end. What ditech has done to me and how they have failed to handle any of my complaints to correct the problem has made things worse. Further they have at times past denied I called and made a complaint. I don't know what else to do I just want the amount reinstated.
02/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL XXXXX	Web	Older American
XX/XX/XXXX I deposited a check from an Insurance claim and it was returned, no fault of mine. Ditech reversed my mortgage payment of {$1200.00} and the insurance check of {$10000.00}, in XX/XX/XXXX. I have always paid my mortgage many days before the due date.Every month I pay an extra {$100.00} more than the mortgage payment. I have a mortgage with this company for many years and have NEVER been late. They requested the copies of my bank statement and canceled checks from my bank which I have provided. I wrote and called them every few weeks and spoke to several Managers and Customer Service Representatives. They have all promised to get the problem resolved and mail out 1 year of payment history. I have not received that from Ditech and lately I have been receiving my monthly statements late. I was informed that they are reassigning all my payments from XX/XX/XXXX to present from XX/XX/XXXX and that should resolve the problem. That has made things worst because they now have be owning {$10000.00} and reflecting that I only pay {$330.00} for interest payment for the entire year of XXXX. They have been reporting me to the credit bureau as paying late every month. Last week I received a letter that my property is in foreclosure and I need to respond to them by XX/XX/XXXX. I am a older person and this mortgage company is about to kill me. I would appreciate your assistance ASAP. Thanks.
07/19/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33196	Web
I have sent my loss payment check of XXXX for an insurance claim I filed for Hurricane Irma damage to my home. The ck was received by ( Ditech Financial ) my mortgage holder back on XX/XX/2018. I sent them all requested documents except a detailed estimate from the insurance carrier. This estimate that they are requesting was not given to me.As the claim was a negotiated settlement amount that was agreed to by both the insurance carrier and myself. No such estimate exists and i can not supply them with this document as they are requiring to release the {$28000.00} dollars that they are holding. They only sent me {$5000.00} to commence repairs. I have sent them a contract that I have with a roofer for {$7700.00}. I had to pay my public adjuster who negotiated the claim, his fee for services of {$3700.00}. for which I sent the receipt of payment. I am caught in a very difficult position of how to proceed with repairs without the necessary funds. My roof is still leaking and conditions are getting worse. Ditech refuses to release any additional funds as they tell me " their investor requires this detailed estimate to release the funds ''. This is impossible to do as my public adjuster explained to them. It is a negotiated settlement for a fixed dollar amount. My attorney sent them a letter on XXXX-18, so as to release all funds as to continue repairs, and they have ignored his petition.
03/31/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AR 72205	Web
My husband and I refinanced our home in XXXX, 2015. The former mortgage company was Green Tree. Since then we 've gotten several letters and phones calls from them regarding different things from insurance nonpayments to today 's call saying that we owe the XXXX payment plus other charges that were n't named. On their own website it shows that we have a balance of XXXX but they state that 's inconsequential and incorrect. The conversations have become increasingly rude. I 've had my mortgage broker call on my behalf but they tell him one thing me something then my husband something different again. Previously, they failed to accept the cancellation of my homeowners policy so they paid XXXX policies for a year and a half leaving my escrow several thousand in the negative. I had to deal with that myself with no help from them. Next, they are hounding me for XXXX 's payment that I do not owe and are being rude. Why would they tell us an incorrect amount for payout? Now they are threatening to make the escrow balance even less and therefore me owe them more by paying the taxes that are due even though we have paid off the account. UGH! The woman on the phone seemed to think she was being tough or threatening by stating that the account was still open and we still owed money. Please help! THESE PEOPLE ARE HORRIBLE! THE ONLY GOOD NEWS HERE IS THAT WE HAVE MOVED ON TO ANOTHER COMPANY!!!!!
05/09/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC XXXXX	Web
In XXXX 2017 I began the process of refinancing my existing Ditech mortgage. Since then I have tried to get an explanation as to why I was double charged for interest during the process. My " Borrower Final Closing Statement '' clearly shows my paying interest on the old loan until X/XX/17 as well as paying Prepaid Interest on the new loan from XX/XX/XXXX-X/X/2017. Per Ditech 's correspondence of XXXX XXXX, 2017, ( which did not actually address my inquiry to them about this double payment of interest ), they state the old loan was paid in full on X/XX/17. To me, that means I paid interest on the old loan for 6 additional days at $ XXXX/day AS WELL AS paying interest on the new loan for 1 additional day at $ XXXX/day. For some reason, Ditech sent me a check for {$110.00} on XX/XX/XXXX after my first inquiry into the matter. and their XX/XX/XXXX correspondence states they sent me a refund for {$110.00}. There still has not been an explanation for that particular amount ( the check stub showing it may have been from an escrow account ) - and dividing the $ XXXX/day amount into {$110.00} does not yield a satisfactory explanation as it does not come out to 6 days obviously or any round number of days for that matter. I am asking for your help in this matter because I talked with three representatives, and no one seems to comprehend what I am disputing. Thank you for your assistance.
08/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 47714	Web
I would like to know how long my lender has to provide me with a reaffirmation agreement and complete the reaffirmation process. I filed for bankruptcy ( chapter XXXX ) on XXXX/XXXX/2016. My meeting w creditors was set for XXXX/XXXX/16. Prior to this date my auto lender had sent my reaffirmation paperwork and I took care of that with them. My credit meeting came and went with no information from DiTech on my current mortgage. I inquired with my attorney as to what I needed to do. They told me they were in contact with DiTech and we should have it prior to my discharge date of XXXX/XXXX/2016. I inquired several more times before this date and they had n't provided anything. They had told my attorney that they had already sent it, that they would resend that week, another inquiry a week or more later and they are waiting on approval .... But wait you said you sent it weeks ago??? I have now extended my discharge twice and nothing has been sent. In all this time, I have never missed or never been 30 days late with my monthly payment. My attorney emailed me today that their latest update is that DiTech 's attorney is in possession of the agreement but is awaiting their approval to send it. At what point are they required to do their job and provide me ( their paying customer ) with the information I need in a timely manner? I would think 30 days but we are approaching 5 months.
03/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CO 80233	Web
I filed for bankruptcy about XXXX years ago and since my loan was taken over be Green Tree Services. Up until XXXX 2015 I have never missed a payment my job had ended and I was able to get a job in another state so I could not pay my payment for XXXX. I called and tried to ask if I could use my bankrupcy protection but all I got was I need to make my payment now. I talked to a realtor and we agreed she should try and sell the house she listed it on XXXX XXXX th 2015. We moved on the XXXX XXXX they keep calling to get payments as we were about to be late. I told the person I was not late and the house was on the market he wanted payment now. We had a full price offer on the house in XXXX so I called and told them the house was sold. My realtor calls me a XXXX days later and said that the mortgage company had changed the locks. I called and they said that I had abandoned the property? How did I abandon when I am still paying the electric and water on the property. We found that they had disconnected our meter in the basement for the water I had already turned it of and winterized the house. I called them and said again the house was sold once again they wanted payment told them they will get paid when the house closes on XXXX XXXX th. Keep calling wanting payment and threatening foreclosure if I do n't pay them. I am sick of them that do is want money and call constantly HELP.
08/04/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	VT 056XX	Web	Older American
Asked for a loan modification from XXXX XXXX XXXX XX/XX/XXXX. For six years I have hired XXXX lawyers and filed XXXX Dodd-Frank Modifications packages. I have spent over {$9000.00} in legal fees. My interest rate on the mortgage is at 8.875 %. Green Tree Mortgage Services acquired the note in XX/XX/XXXX-XX/XX/XXXX and offerred another loan modification package. This was done. Unfortunately, they chose a " Bait and Switch '' approach. Green Tree did not modify the interest. Now the interest amount totals well over {$170000.00} +/- plus the principal of {$200000.00}. Green Tree offerred a 4.125 % on the pricipal, but chose not to modify the interest amount. The house is under water and not worth the mortgage amount of XXXX. The town as a value of {$190000.00}. Before XXXX sold the note to Green Tree, representatives broke into the house and winterized the house without my consent. Also, XXXX representatives told tenants who were living there not to pay the rent. Nearly {$11000.00} was lost. It is my belief that XXXX and Green Tree do not want to modify the principal nor the interest amount. XXXX has acquired a judicial sale date, but I met the three month trail period. Because of BA duel tracking and Green Tree refusal to modify, my credit score has suffered and I am having difficulty in refinancing this loan. This is my e-mail address : XXXXXXXXXXXX. Thank you in advance.
09/22/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IN 46530	Web	Servicemember
XXXX - This is my previous complaint filed on XX/XX/XXXX. As ofXX/XX/XXXX the company responded saying they needed more time to research my original complaint. Three days later I get a letter from Ditech and I suppose this is their solution. Enter into another trial modification before a loan modification or face foreclosure. This does n't address the issue. I have a document from Ditech stating the payment arrangements that were agreed upon following my recent XXXX. These tactics only further my bad feelings for this company. They ca n't be trusted. All this does is add more interest to the mortgage and they continue to milk money out of their customers. I 'm thoroughly frustrated that a consumer can be treated this way and the company get away with it. I 've had nothing but issues for the past 10 years from Ditech ( former known as Greentree and XXXX XXXX ). I now have until XX/XX/XXXX to decide whether I accept the trial modification or face foreclosure. This will be before the allowed 15 days that the company has to respond. So if I want to keep my home, I 'm left with no choice but to comply and keep paying this company their milk money. I thought these tactics were addressed years ago but apparently they can still get away with it. I hope this can serve as a warning to other individuals about this company and help others avoid this nightmare we 've been dealing with.
05/30/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08753	Web
I applied for a modification and was recently denied due to Ditech stating that I dont fit MY Investors guidelines. This is outrageous!! I searched my Investors website to see what programs the Servicer Ditech has reviewed me for under my Investors available programs to their borrowers and was shocked to see that they completely the denial reason to deny. For one the streamline modification is only granted once so why they would review me for that program does n't make sense as I even I already know the answer to that decision just by knowing I already had a streamline offered to me by my Investor. Secondly, the program XXXX XXXX Capitalize and Extend Modification '' if Ditech actually read the guidelines since they are only a Servicer and should be in compliance with my Investors rules and guidelines they would of known that the denial reason of more th an 6 months delinquent is a false denial. The following is from XXXX XXXX handbook for this program : The mortgage loan must be at least 60 days delinquent but less than 360 days delinquent upon completion of the disaster related forbearance plan. I was denied stating that I was more than 6 months delinquent ; as you can see you clearly have no clue of my Investors guideline s. In addition to you inaccurate denial my lender also has a FLEX program that I dont see I was reviewed for, I want to know why.
12/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 93010	Web
I owned XXXX % of a property with XXXX and XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Texas. In XXXX 2015, I obtained financing and paid off the Ditech mortgage and became full owner of the property. Prior to closing Ditech informed XXXX XXXX that they did not collect enough money from the existing impound account to cover the property taxes which resulted in a {$2500.00} shortfall. Ditech demanded the {$2500.00} tax shortage be paid through escrow prior to closing the loan. I spoke with Ditech Customer Service Supervisors and I was told there was an existing impound account and if I paid the tax shortage through escrow ALL the taxes would be paid directly by Ditech to the State of Texas. Upon receiving this information from Ditech, I proceeded in good faith and paid the tax shortage and the Ditech loan was paid off. Currently, Ditech is refusing to pay the taxes they have already collected and instead, are sending the full tax payment to my partners as a tax refund! Clearly, this is a violation of my consumer rights. The taxes were collected through the impound account, I paid an additional {$2500.00} for property taxes. XXXX XXXX is holding an additional {$6400.00} in an escrow account because the Property taxes have not been paid! If Ditech does not pay the property taxes, Ditech has deliberately misinformed me and collected funds based on false statements made to me.
05/20/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CO 801XX	Web
have spoken with Green Tree Servicing on multiple occasions. They have advised me that I had missed the XX/XX/XXXX payment. I sent them all of our payment records for XX/XX/XXXX reflecting XXXX payments had in fact been made in XX/XX/XXXX. After filing a " Qualified Written Request '' for information, I received a letter stating the payment missing was from XX/XX/XXXX when we were in a chapter XXXX Bankruptcy. The information that was given by phone when I disputed a missed XX/XX/XXXX payment was not explained to be from XX/XX/XXXX. I would have corrected the payment immediately if they would have been honest about what the issue was. I will also be filing a complaint for their collection practices as they have contacted a family member on XXXX occasions. The most recent time was after they had been informed not to contact our son as he does not live with us nor is he a party to the transaction. I will make the payment that they state was missing from XX/XX/XXXX. I do n't know what the resolution is for them as they have given me false information regarding the debt over the phone and were very rude when I tried to explain that they payment in question was not missed in XX/XX/XXXX. A fair resolution would be for them to reimburse me for the payment that they state was missed and apply it to my account since they were not honest about what they were trying to collect.
05/12/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80012	Web	Older American
This is a follow-up to a previous complaint with your agency. That complaint # is XXXX . I had a mortgage on my home serviced by XXXX XXXX based in XXXX , FL, at the time that m y HOA file d a foreclosure suit against me over disputed HOA fees. Within days of this occurrence, XXXX sold the loan to a company called Green Tree Servicing, which has since changed its name to Ditech. Ditech is my current loan servicer. The summary of my dispute is captured in a letter I sent to Ditech dated XXXX XXXX , XXXX , which is the last of several letters I wrote to them. I include it as an attachment below. I never received a response to this letter, and so I assumed the matter had simply gone away. However, starting in XXXX XXXX , I saw on my mortgage statement that there was a separate charge of {$80.00}. I thought this had something to do with the escrow shortage. I finally call ed Ditech a week ago to find out exactly what this charge is. I now discover it is to cover the legal f ees that I had disputed in my earlier complaint and that I continue to dispute. In other words, Ditech is tacking this extra charge on to capture these fee s which I contend should never have been incurred in the first place. So in fact, my complaint has still not been resolved to my satisfaction. They simply decided to ignore this last letter dated XXXX / XXXX / XXXX !
04/25/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 75165	Web	Servicemember
On XXXX / XXXX / XXXX our current mortgage company Ditech Financial LLC violated the ACH terms and conditions we had agreed to by withdrawing XXXX XXXX XXXX XXXX monthly mortgage payment on XXXX / XXXX / XXXX INSTEAD OF XXXX XXXX causing our financial bank account to overdraft and acquire a OVERDRAFT FEE of - {$30.00} on XXXX / XXXX / XXXX . I immediately calle d Ditech and questione d them about this unauthorized transaction, terminated ACH service and demanded a refund of {$30.00} they asked me to provide a bank statement showing the transaction and so I did on XXXX / XXXX / XXXX . And I have all receipts. On XXXX / XXXX / XXXX I called Ditech again to solve this issue I asked them to refund the {$30.00} they caused my bank to originate. The Ditech employee agreed and asked me if i wanted a check or a credit on our account i asked for a check and so she said it would be mailed to me in 15 days, after waiting and waiting I called Ditech again and was told the same thing, but I did not received anything in the mail. As of XXXX this issue is still ongoing they are now refusing to refund me the - {$30.00} charge they caused my bank to charge me. Recently they even had the audacity to tell me that MY BANK PAID MY MORTGAGE ON XXXX / XXXX / XXXX , my bank does not decide who and when to pay! Never heard of such thing. They took it out!
04/05/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 622XX	Web	Servicemember
Ditech has denied that it knows who I am in response to the last complaint, when my name and my address ( of the home which has the mortgage they own ) is clearly stated on the complaint. Characteristically, it demands the account number just to be difficult. For the company 's information ( it does NOT need me to tell it this ), the account number is : XXXX. Not only is it charging me late fees of {$120.00} regardless of the fact that I paid on the due date ( and late fees are not stated to be {$120.00} ), but I paid up the account in full to include all of their fraudulent charges last month, and this statement has not deducted ANY of that, and STILL shows me as owing the same amount as before. I believe that there is a serious problem with their systems and this is suspicious. They need to be audited by people who are very familiar with technology and can examine their code. If you need someone, I can go with the inspectors. I develop software for a living. I 'd like to remind the person reviewing this complaint that immediately before changing its name, Ditech used to be named Greentree. Greentree was fined by the government for a total of {$63.00} XXXX for unlawful / fraudulent charges and failing to maintain programs. It seems that Ditech has continued its business practices, attempting to use the name change to deflect suspicion. This will not work long term.
05/06/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	OH 43035	Web
On XXXX XXXX, 2015 a collector XXXX XXXX XXXX from green Tree Servicing called and I did a SpeedPay payment with her in the amount of {$990.00} plus the {$12.00} Fee. On XXXX XXXX, 2015 the same collector XXXX XXXX XXXX called back at XXXX stating that she made a mistake and the payment was incorrectly applied to my other mortgage account. She stated that her supervisor XXXX XXXX XXXX cancelled the payment from XXXX and that she needed another SpeedPay payment from me. I was leery of doing this but since she said the previous payment was cancelled I went ahead. The next day XXXX/XXXX/2015 XXXX payments in the amount of {$990.00} plus XXXX {$12.00} fees were taken from my XXXX bank account. I called XXXX and she said her supervisor XXXX XXXX XXXX did n't do her job and transferred me to XXXX. XXXX said that she would have the incorrectly applied payment back in my XXXX bank account within XXXX hours plus the {$12.00} SpeedPay fee. I called XXXX on XXXX and XXXX and left voice messages with no response from her. I also called customer service on XXXX and XXXX and they said they would send an email to XXXX and XXXX in collections. As of today XXXX/XXXX/2015 the payment has not been refunded to me and according to Green Tree Customer Service no refund has been processed. I was able to reach XXXX and XXXX today XXXX and was told by XXXX that the refund had been processed.
09/10/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IL 60641	Web
When my loan was transferred in XXXX from Green Tree to Ditech, I was told that I was {$20000.00} behind on payments and Ditech refused to take my payment of {$990.00} causing me to default on my loan then later my payment increased to {$1400.00}. But I have proof of payments. I am attaching a few of the most recent payments to this complaint To make my situation worse, I was diagnosed with XXXX. I just finished XXXX in XX/XX/XXXX and I made my last medical payment of {$800.00} recently. I am old my health is not so great and the thought of losing my home takes a toll on me. I need to know what happened with my payments of {$990.00} that were sent. Had my loan not been transferred, I would not be in this mess. I have proof that I was not behind since XXXX. I applied for a loan modification in late XXXX of XXXX and I was denied. They state they can't help me because I am more than 6 months behind ( which is clearly their fault ), my hardship has not been resolved and that the P & I payment amount is greater than the pre-modification P & I amount. The million dollar question is, " WHERE ARE THE PAYMENTS I MADE TO DITECH? '' I am financially stable because I can work all the overtime I need, WHICH MEANS I HAVE NO HARDSHIP. I sent them all my financial information and yet, what hardship are they referring to? My intention is to may my loan in full and keep my home.
03/24/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	WA 98597	Web
We had a mortgage from XXXX after XXXX and XXXX XXXX XXXX and DITECH was our mortgage servicer. We applied to DITECH for a HARP refinance. They refused to give us the Harp interest rate and in fact denied our refinance because we would not agree to the conventional loan rate. We were very eligible for HARP. In fact we were successful refinancing with another mortgage lender. Perfect credit. Never late on payments. Ditech would also not refinance us VA even though I am a US veteran. Even at the conventional rate they refused our loan refinance due to a existing mobile home on the property. This is in addition to our single family dwelling.They said it was required by HARP that we remove the mobile home in order to get a refinance. The mobile home was a source of additional rental income. We spent XXXX dollars to have the mobile home demolished and they still would not give us any interest rate other than their conventional interest rates. DITECH IS THE MOST CRIMMINAL ABUSIVE COMPANY WE AND THOUSANDS OF OTHERS HAVE BEEN ABUSED BY. We want a ruling here on our rights to HARP refinancing vs. Ditech making their own rules in order to make it easier for them to sell our property in case of default. ( to get rid of the mobile home ) Also denial of refinancing according to HARP and VA guidelines. We feel there has been discrimination here of a US Veteran and senior citizen.
10/23/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 95032	Web	Older American
I had a long-time FHA home loan with XXXX XXXX XXXX with no problems. I had a perfect payment history. Unknown to me, the loan was transferred to a servicing company called Green Tree. Apparently, XXXX XXXX XXXX at first was forwarding to Green Tree the payments I continued sending to XXXX XXXX XXXX. Over a year ago, unknown to me, XXXX XXXX XXXX stopped forwarding my payments to Green Tree, did not tell me and I then received letters from Green Tree ( I thought these were " junk mail '' ). Eventually, I opened one and it stating my mortgage was in default. This was quite a surprise to me since I was sending my payments to XXXX XXXX XXXX. I had to pay a large penalty and foreclosure fees. Green Tree did not send statements to me, or payment coupons, or information about where to send payments, even after my repeated requests. I then sent payments to the address listed on their website, which they stated was the wrong address. Although Green Tree did cash some of the checks, they did returned some others. They claimed there were penalties owed, which I disputed. Now Ditech has the loan ( I do n't know when that happened or if that is a sister company of this Green Tree entity ). They are attempting to foreclose a second time. Ditech is now trying to foreclose.They have ruined my credit due to their fraudulent acts. I am a XXXX, and this matter is effecting my health.
05/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28273	Web
I sent an email XXXX/XXXX/XXXX to my XXXX lien servicing company, Green Tree Mortgage Servicing, and have n't heard anything about assistance. My XXXX lien was refinanced with XXXX prior to XXXX purchasing them, then Green Tree Servicing received the MSR. XXXX is still the investor of record for the XXXX lien. I believe the appraisal value obtained by XXXX at the refi time was fraudulently elevated to allow the loan officer to approve my loan. Due to XXXX being one of the Hardest Hit states in the economic down turn my LTV is extremely upside down. I 've had to move to XXXX to obtain work after a layoff in XXXX XXXX. I was out of work at a full-time job for 1 year. I believe the Treasury has outlined modification programs for XXXX liens that would assist me. I 've taken a $ XXXX annual salary cut and have the home rented out for {$250.00} less a month than the mortgage payments. I 'm trying to be pro-active now that I 'm employed again. I have n't missed any payments on the XXXX or XXXX thankfully. At this rate, without assistance, I 'll have to let the home go. It seems like the mortgage companies do n't want to do anything to help a person unless they actually become delinquent and ruin their credit. The XXXX is reviewing documents to attempt assistance but they already posted a HARP to my loan in XX/XX/XXXX that lowered my payment. The XXXX lien is at 7 %. Thanks
03/30/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	AZ 85019	Web
I had insurance claim money for home repairs held hostage by mortgage company XXXX XXXX. XXXX turned over all funds to Green Tree. I attempted to recover funds from Green Tree in order to complete insurance repairs and pay contractor. Green Tree acknowledged possession of funds and also exhibited a willingness to help. I was given instructions from Green Tree Rep on how to obtain funds.The instructions were to have my contractor call Green Tree and arrange for a disbursement. Rep said he needed a tax number from contractor to proceed. Contractor said he could not communicate with Green Tree because they were reluctant to negotiate with anyone other than owner of property. This was disconcerting because I realized that I was now going in circles. My next communication with Green Tree was a failure because reps did not understand situation. They were abusive and forthe most part unwilling to help me arrange this transaction. Rep hung up on me each time I called. From this point I could not get a positive communication with Green Tree 's customer service center. Communication was negative. I was hung up on, lied to, disrespected and disregarded.My wife experienced similar setbacks. Now my mortgage company is Dytech. This lack of availability has caused my contractor to cancel and break contract and negotiations. I am now suffering abuse at the hands of the contractor.
10/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48313	Web
I have been working with Ditech to correct the reporting of my mortgage to the credit bureaus since the beginning of this year, thats right, the beginning of the year. Here we are on XX/XX/XXXX and I still have the same issues. In XX/XX/XXXX, Ditech admitted via letter that the information on my credit report with respect to their mortgage was inaccurate. The FCRA Date aka Date of First Delienquency should have been corrected to XX/XX/XXXX. I wanted for 5 1/2 months and then pulled my credit reports. To my surprise, nothing changed and the incorrect reporting remained. I then followed up with the better business bureau and CFPB about the issue again. I recieved two letters from Ditech apologizing for the error. They blamed an interbal system error and said the corrections would be made again. Last week, XX/XX/XXXX, I order my credit reports at my expense and low an behold nothing has changed with the reporting of the mortgage. Excuses after excuse, letter after letter admitting fault and incorrect reporting and they have yet to correct the issue with the credit bureaus. How is this even remotely possible. I have attached all three responses from Ditech on what the correct reporting should be. One response from Customer Service and two responses from their legal team. ALL SUPPORT MY CASE!!! And yet nobody can send the corrections to the credit bureaus???
09/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08075	Web
Hello, I attempted to make a payment online to Ditech on XXXX XXXX, XXXX. The online system had an error which stated Please enter a valid routing number. I tried to make the payment through the XXXX, phone, computer, and XXXX to no avail. The automated system was also stating the same information, therefore the payment could not be made without speaking to an actual representative. I called the next morning, XXXX XXXX, at XXXX XXXX when the company opened and explained the situation. The representative I spoke to on a recorded line stated there was a computer error with their systems the day before. She took my payment over the phone and explained there would be no reporting late due to this information and it was only 9 hours past the due date. I went to refinance on XXXX and was advised that Ditech put a 30 day late on my credit report due to their error. I called the company immediately and ask for them to remove it as a one time courtesy. I emailed and sent a letter with the same request and I received a response stating I would have an answer within 3 business days. I then called back and asked for a supervisor and was denied the name and opportunity to speak with one. This has been a constant occurrence with this lender. You can not speak to anyone regarding your concerns and get very generic answers to questions that come at the end of the mandatory time.
09/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34759	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Ref : Remove/ Delete Incorrect Information Ditech Mortgage Please be advised : This account was included in Chapter XXXX Bankruptcy, However there discrepancies with payment history. My Loan was originally with XXXX XXXX in XX/XX/XXXX I was in a positive account standing with XXXX XXXX and In the middle of a Loan Modification with XXXX XXXX. During my loan modification XXXX XXXX sold my Loan to XXXX XXXX XXXX without my knowledge. Once I found out my loan was transferred to XXXX XXXX XXXX, XXXX XXXX XXXX stated I had to complete the modification all over again. Resulting in Green Tree reporting negative payment history for the months of XX/XX/XXXX and XX/XX/XXXX. However I am a victim that has been harmed by XXXX XXXX XXXX unlawful practices. Please be advised : XXXX XXXX XXXX has been sued by ( The Consumer Financial Protection Bureau ) due to breaking the law on mishandling and failing to honor in-process Loan Modifications. This Loan was transferred from XXXX XXXX XXXX to Ditech Mortgage with incorrect information negatively reporting in my payment history. I am a harmed consumer and requesting that this negative reporting be deleted/ removed ( XX/XX/XXXX and XX/XX/XXXX ). From all 3 major credit bureaus ( XXXX, XXXX, XXXX ) Sincerely, XXXX XXXX
03/09/2017	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TN 37211	Web
I have been trying to refinance my home since XXXX with Ditech. After several months of going back and forth with documents needed, it seems they continue to add additional hoops to jmp thru every step of the way. I was working well th someone tere and complained to their manager about their poor service. The manager never responded to me. They are not assisting me on their end and progress has halted. This has been going on for 6 months and I do n't feel that they care. I 'm not trying to get money back, I am just trying to get a better rate than the one I signed up for in XXXX. I have kept all of the emails that have been exchanged and would be glad to forward anything to you. The last issue was getting some documentation from the other lender on my XXXX split. That lender was unsure of what documents Ditech wanted. Originally, I was to give apprval to XXXX for Ditech to speak with them about what was needed. XXXX does n't do that, but said we can have a conference call with me on the phone, so that Ditech can get what they need. No movement has happened since. I threatened to file a complaint and they responded repeating the same thing against n. I then responded with the same information. I have n't heard back from anyone since XXXX. This seems unfair and i feel that I am being mistreated. I have always paid my bill and I feel that I am getting the runaround.
05/21/2017	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	OH 43110	Web
I purchased my home XX/XX/XXXX , and my original loan was with XXXX XXXX . {$43000.00 } ( 2 0 % of loan ) was a 15 year loan with principle and interest of {$480.00}. XXXX sold the {$43000.00} to XXXX shortly after my purchase, the 80 % was sold to XXXX XXXX . I made payments for 6 years to XXXX , none of which were being applied appropriately nor would they let me refinance to incorporate i nto one loan. The loan was provided under false pretenses indicating that the loan was temporary, and after consistent payments, a refinance would be available. The mortgage company said this arrangement was all that was available due to the economy and mortgage industry. I asked repeatedly for a refinance and the indicated this type of loan could not be refinanced. I could not even call XXXX through the regular mortgage number, it was a special department at XXXX . The loan was sold to Greentree, then I guess Ditech f or the original amount of the loan in XX/XX/XXXX ! I stopped paying in XX/XX/XXXX due to their inability to provide an accurate balances, correct terms, reporting accurate informayion and the ease of working with the company. I always ended up talking to someone in XXXX . Ditech charged the loan off with original balance due from XX/XX/XXXX ! They are still reporting as delinquent in XX/XX/XXXX even though charged off in XX/XX/XXXX .
11/18/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IN 47150	Web	Older American
I applied and received a modification mortgage thru Ditech Financial LLC. They charged just over {$500.00} for the modification increasing my principal from XXXX approx. The payments are XXXX for 40 years. I inquire as to early payoff and they claimed no penalty but although I am making extra payments and stateing they are to go to principal only they refuse to apply the funds to principal. They also started gouging me with fees labeled as ( XXXX ) which they claim are for inspections and mowing my Tiny ( 10 x 20 ft yard ) They claimed to have mowed it 3 times and inspection done two times at a cost of {$400.00} for 1 1/2 months added to my principal. At this rate I would never pay off my loan. They are extorting money from me for inspections that should not be done after I accept the loan and start paying and fixing up the property and for lawn mowing when I am doing that myself. There is no proof they have done anything. Why would they wait till I sign my modification loan and agree to fix up the property when they let it go for the previous 9 months before I started paying again and was letting it go? They are robbing me blind and forcing me to give up a property I can never pay off. I have no incentive to keep and fix up this property if my principal just keeps increasing more than 300 times what I am paying on this principal by these bogus extra charges.
09/05/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 980XX	Web	Servicemember
THIS IS A NEW COMPLAINT. Prior complaint XXXX was rejected due to a document not showing when scanned and sent. This complaint is being filed on behalf of XXXX & XXXX XXXX, they purchased their home home a year ago. The owners work long day hours which makes it difficult to make contact, and they are not familiar with how they can correct this alleged payment issue. Mortgage is with Ditech who has the correct phone numbers, address and emails. The entire monthly payment with impounds is made via AHC ( automated pmt ) and have all been made timely. The Servicer/Lender made no proven, documented effort to notify the homeowners by any means regarding ANY changes to their monthly payments due Ditech. There was no form of communication received from Ditch that the real estates taxes had increased and to adjust the monthly payment, this is what the tax service fee at closing is for -to notify all of what will be due upon the next cycle and make adjustments as needed. Their was @ {$30.00} increase to the taxes monthly, that the owners needed to pay. Without any proven documented communication the payment was rejected ( see attached ), then charged late fees. When viewing the attached monthly statements please note that there had been sufficient funds to cover the shortage regardless, then notify the Owners to increase their auto- payment amount thereafter.
01/23/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MD 20748	Web
I have been out of work due to illness, however I was able to meet my monthly expenses, even though it was difficult, with help from family and finding little work here and there. I heard about the XXXX program and decided to apply last year XXXX through my mortgage company. I was asked to submit certain documents and I did so in a timely fashion, fearing that by the end of the year this program was not going to be available any more Initially I received calls from a service representative requesting additional information. That was submitted immediately. When I stop hearing from my mortgage company I called for updates. Every time I called, I was told that the case was at underwriting and that someone will return my call. This never happen, However I kept calling every week for an update, of which I got the same response. At XXXX of the calls I was told that there was an missing document. The representative checked the uploaded file and found that the documents were already there. they proceed to put a note on the file to inform underwriting that all documents were in. On XXXX XXXX, 2017 I received a call from the mortgage company looking for the payment. So I asked for an update. I was told that the case is closed because they did not received the information on time. I believe I was ignored. That my mortgage did not make an effort to help in my situation.
10/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 954XX	Web
In XXXX, because of a bank problem, I ended up paying my mortgage holder, ditech, XXXX payments. I requested they return XXXX of them. The amount was {$1600.00}. That is my mortgage plus extra for additional principal each month. I documented my calls, and had my Bank conference with me on at least XXXX of these calls as witness. Ditech agreed to return the extra payment. My bank sent written confirmation and review of these calls and agreement to ditech and myself. They have not returned the payment. Thy have ceased to send me my written monthly payments since this problem occurred. Ditech has repeatedly indicated they would have someone call me back about this, but never did. I would like them to send me my written monthly bill/statement. I would like to see what they have done with the {$1600.00} overpayment in XXXX. We checked my address and it was confirmed correct. They claim statements have been sent. The customer service agent told me that my mortgage has been " flagged for foreclosure ''. She could not indicate why. I have paid this mortgage since 1998, never late, and for the last year, always over the amount due to be applied to additional principal. The agent told me this would be explained to me by the supervisor who would be calling me to follow up on my inquiry. This has happened with this company before, and no one calls me back to follow up.
09/12/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 757XX	Web
My mortgage had been in bad standing for several months due to some life changing event that included husband being laid off from work, martial separation, and daughter stating school. Green Tree had been contacting me extensively and I kept informing them of my issues at home. At one point I was 2 months behind and a person from Green Tree left a letter on my door asking for me to contact Green Tree. I then contacted them and was informed that I needed to submit a complete package of bills, paystubs, and letter informing them of my recent changed. I then called to follow up with Loss Mitigations and was informed that my case could not get reviewed until my account was current. I would ask for the Loss Mitigations phone number and was informed that they could not speak to me until my account was current. I then took a loan out in order to may my account current and not get forclosed as I was told by Green Tree and then called back once again to see about my Loss Mitigations case and was told that it was closed and could no longer be reviewed because my mortgage was current. A few months later I called back once again to see about reducing my finance rate and was asked to fax several documents. I had to pay a fax service {$30.00} just to send all of the information needed. I was then informed once again by Green Tree that I did not have any options available.
08/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 077XX	Web
An empty lot adjacent to the property that is the Commitment in the Security Instrument for my mortgage had a lien incorrectly placed on it. I would like to sell that lot, and can not get the mortgage company to remove the lien. XXXX backs the mortgage, and Green Tree Servicing , LLC is the servicing agent. Green Tree refuses to process my request for a title defect from origination, which is the preferred method per XXXX servicing guidelines. Instead, they want to process as a partial release of mortgage, which requires them to make the determination that the release of property does not adversely affect the debt-to-asset ratios, which it will. Therefore, they are unwilling to fix the issue. The county will not remove the lien, unless the mortgage company is willing to sign that the lien is in error, or that they willfully remove the lien. Since, neither Green Tree or XXXX will sign a document, or resolve the title defect, I am unable to sell a lot that was never part of the mortgage. I am attaching the original mortgage, which shows a purchase of Lots XXXX and XXXX, with the transferred property rights in the Security Instrument being only Lot XXXX ( see bottom of XXXX page of attached mortgage, under section TRANSFER OF RIGHTS IN THE PROPERTY ). I paid cash at closing for Lot XXXX, which as an empty lot, could not be made part of the Security Instrument.
06/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MT 59101	Web
i had a catostrophic insurance claim on my house on XXXX XXXX, 2014. I have had several phone conversations with my mortgage company about my insurance money. They never communicated with me on the requirements until I questioned them why they were not releasing my insurance funds to me. I have had the siding done on my house but not my roof yet. I have had several phone calls, emails and faxes to the greentree claims dept. They all tell me something different. The superviser told me to quit calling and they would settle the claim when they had time. Currently, they are sitting on {$15000.00} that i need to pay my contractor with. I have asked them to contact my insurance adjustor because clearly they are not listening to me and not able to read the adjustors report. I have sent them all the required documents and they still will not release my funds. How do I pay my contractor? I have sent in completion photos. I have sent in tax id numbers. They will not release my depreciated amount until an inspection is done. They will not do an inspection until i have all the work complete. Neither XXXX of my contractors will sign a lien waiver until they are paid in full. I cant afford to pay them without my insurance money. The mortgage company states that none of the funds can be released to me. If I end up paying the contractor they will not refund the money to me.
12/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 535XX	Web
On XX/XX/2016, I used online bill pay through the University of XXXX XXXX and accidentally sent my XX/XX/XXXX mortgage payment of {$1800.00} to Ditech, the mortgage company that previously held my loan. My loan was transferred from Ditech to XXXX Mortgage in XXXX. Ditech cashed my check and I was not aware that I had made an error in payment until I received a letter from XXXX Mortgage on XX/XX/2016 stating that they had not yet received my XX/XX/XXXX payment. I reviewed my online bank account transactions and discovered my error. I contacted XXXX Mortgage right away and explained my error and sent them proof of my on time payment and error. I also contacted Ditech who originally told me that the money was transferred to XXXX Mortgage on XXXX or XXXX and that XXXX Mortgage should be receiving shortly. As of today, XX/XX/2016, XXXX Mortgage still has not received any transferred money from Ditech. Ditech has now told me that they transferred the money on XX/XX/2016. Each time I call Ditech I get different information and no one is able to provide proof that the funds have been sent to XXXX Mortgage. I am incredibly frustrated and feel that Ditech has stolen {$1800.00} from me and are causing harm to me by not releasing the funds to XXXX Mortgage and they are creating a domino effect of issues on my current mortgage and XXXX be negatively impacting my credit.
02/20/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 07801	Web
My current mortgage is with Ditech. They have missing payments on my account when they found the {$6000.00} mistake they want me to pay all the late fees on the money they missed placed. They said they bounced a bunch of checks which I have not. And now I am facing foreclosure they will not take my money according to their attorney I am actually not in foreclosure. They overcharge my percentage rate and I have been on making homes affordable for several years. Their customer service is extremely horrible And extremely XXXX and no one is willing to help. I have all my documentations and I want to save my home. Ditech is the worst company and I have been bought out by several different mortgage is starting with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and now Ditech. Which in fact they put me on the no call list so nobody can call me I do not get any sort of monthly statements in the mail. I need help because Id like to save my mortgage Ive owned my home for 14 years I have all my documentations and I want to save my home. Ditech is the worst company and I have been bought out by several different mortgages starting with XXXX XXXX XXXX, XXXX, XXXX and now Ditech. Which in fact they put me on a no call list so nobody can call me I do not get any sort of monthly statements in the mail. I need help because Id like to save my mortgage Ive owned my home for 14 years
07/23/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NV 89509	Web
New acct number XXXX, changed from XXXX XXXX XXXX, XXXX. * # 1-For XX/XX/XXXX, Ditech submitted a fraudulent federal form XXXX, attached, reporting {$2700.00} for # 1 mortgage interest received from payee ( s ) / borrower ( s ). We paid {$2600.00} interest in XX/XX/XXXX ; the difference is {$99.00}, attached XX/XX/XXXX monthly statement. On XXXX XXXX, XXXX, Ditech removed {$99.00} from our account as payment for late fees. Rather than report this {$99.00} ( or rounded up to {$99.00} ) as income from late fees, did Ditech report it as interest per mortgage contract? # 2-Ditech creatively posted our first XXXX payments to remove the late fees. Ditech 's agent mistyped our XXXX payment ( XXXX/XXXX/XXXX ) short by {$2.00}. Ditech 's transaction spread sheet ( in XXXX/XXXX/XXXX letter ) shows not XXXX {$770.00} payment but XXXX, {$670.00} UAF and paid late fees {$77.00} ( prev balance ) and {$22.00}. Ditech created the {$22.00} ( should be {$38.00} ) late fee amount, thus zeroing out the UAF after posting P & I. # 3-Ditech did not honor the agreement for our first payment ( XXXX/XXXX/XXXX ) by posting 2 months of new escrow rather than applying 3 of the 13 months of escrow overage for our payment to post as 3 months of P & I. *While having possession of our 13 months of escrow overage, Ditech put our account 2 months in arrears.
06/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85541	Web
My loan was sold by Greentree to Ditech approximately 6 months ago. Since that time, my loan payments ( which have always been submitted on time ) have been applied to my escrow rather than my mortgage, thus making my mortgage payments late. We have contacted them each month letting them know that the payment has cleared our bank and they will reapply the payments to our mortgage, which does happen eventually. In the meantime until that payment is applied ( which can take up to 10 days ), we receive calls on our cell phones and our business phone stating our payments are late. Many of these calls come on the weekend and the evenings when we can not address the issue with a live person. This happens EVERY MONTH. My XX/XX/XXXX payment was not applied to my account until XXXX XXXX, therefore accruing for an additional month and making me over 30 days late when my payment was actually received by Ditech on XXXX XXXX. Additionally, my XXXX payment that was sent on XXXX XXXX is still showing delinquent. I talked to a supervisor today that said it is a known error and this is affecting XXXX Ditech clients. The collections calls are borderline harassment since there is no immediate recourse I can take, my mortgage payments are being held hostage due to a computer error, my credit has the potential to be affected and I am being charged unnecessary accrued interest!
08/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43119	Web
In XXXX my mortgage was sold from XXXX to Green Tree Servicing. In XXXX, my homeowners insurance was cancelled because GreenTree made the payment late. " It crossed in the mail. '' In XXXX, I received a check for escrow overage. On XXXX XXXX, I received a notice of delinquent taxes from my county treasurer. I called the County Treasurer on XXXX XXXX, they indicated to me that the XXXX tax payment had not been made and the XXXX tax payment was applied to the delinquent XXXX payment. I called Green Tree Tax department immediately after I hung up with the County. The Tax Department had me fax over the delinquency notice and they would " research '' the case, which would take 2 weeks and they would get back to me. To date, I have yet to hear from Green Tree. Furthermore, when I asked what to do with the escrow overage check, the Tax Dept. told me that it was n't their dept. and I would have to contact customer service. Customer Service advised me to return the escrow check to be credited back to my account. To date, I do n't know if this money has been credited back to my escrow account ; I asked for an email or a phone call to confirm this. Finally, my escrow overage is {$400.00} less than my delinquent tax bill. I have written a letter to Green Tree outlining my dissatisfaction with this situation, their customer service and what I would consider resolution.
05/23/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	MS 390XX	Web	Older American
TRIED TO PURCHASE A DITECH FINANCIAL FORECLOSED HOME FOR CASH. WE OFFERED {$24000.00} AND THEIR AGENT, XXXX XXXX SAID THEY WOULD TAKE IT BECAUSE THE HOME WAS STRIPPED AND BEEN ON THE MARKET FOR 4 1/2 YEARS. HE SAID THEY WOULD TAKE ALMOST ANY OFFER. THIS WENT ON FOR TWO MONTHS, BUT WE NEVER GOT AN ANSWER. TWO DAYS BEFORE CLOSING, XXXX SAID DITECH WOULD HAVE TO HAVE {$35000.00} OR WE COULDN'T CLOSE. THIS WAS AFTER TWO MONTHS OF XXXX TELLING US DITECH WOULD TAKE THE OFFER.HE NEVER IN TWO MONTHS WAVERED ON THE {$24000.00}, BUT HE ALSO NEVER SUBMITTED OUR OFFER TO HIS BOSSES. HIS BOSS SAID THEY NEEDED {$45000.00}, BUT CALLED TWO DAYS LATER WITH THE {$35000.00} PRICE. THIS WAS ALL AFTER WE WERE SUPPOSE TO CLOSE A WEEK EARLIER AT {$24000.00}. TREATED US LIKE WE WERE THE ENEMY. VERY RUDE ON PHONE. THEY FINALLY ARRIVED AT {$35000.00}, WHICH DIDN'T LEAVE US ENOUGH TO FINISH THE HOME. MY WIFE AND I GOT PHYSICALLY SICK OVER THIS WHOLE ORDEAL. WE DON'T WANT ANYTHING EXCEPT OUR {$11000.00} DIFFERENCE. DITECH FINANCIAL IS FRAUDULENT AND VERY DISHONEST. SEVERAL LAWSUITS HAVE BEEN WON AGAINST THEM. THE FEDERAL TRADE COMMISSION HAS FINED THEM MILLIONS OF DOLLARS FOR UNLAWFUL AND UNFAIR PRACTICES. THERE ARE 63 LAWSUITS PENDING AT THIS TIME. SOMEONE NEEDS TO HOLD THEM ACCOUNTABLE. TRYING TO DECIDE WHETHER TO FILE A LAWSUIT OR NOT. DON'T HAVE ANY MONEY TO HIRE AN ATTORNEY.
08/06/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	GA 30102	Web
I have a couple of issues with this creditor ; 1 ) On XXXX XXXX XXXX, I found that XXXX put a lien on my property in XXXX whichI did not realize ( see attached Credit Line Security Deed ). I do not remember every seeing this document or signing it, nor doI have a copy of it my files.2 ). In XXXX I filed bankruptcy which XXXX was included ( see attach creditors list ). After much research I found that XXXX is out of business and XXXX XXXX took over their accounts. According to XXXX XXXX, in XXXX the account was transferred to Green Tree Servings. XXXX I filed bankruptcy and Green Tree was included, even though the debt was in my XXXX bankruptcy.After talking with Green tree, because my property was under contact to be sold, they would not negotiate a payoff unless I went thought the short sale process which could take weeks and I am due to close on XXXX XXXX. The only option I was give was to pay in full in order to get the lien release. I was told that the bankruptcy released me from the obligation of paying the debt, but in order to have the lien released, I would have to pay the debtin full or go through the short sale process. I feel that I am being taken advantage because the house was under contract. This situation feels like extortion. How is it that I am not obligated to pay the debt but to get the lien off my property I would have to pay the debt?
03/08/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07424	Web
I had originally filed a complaint on XX/XX/XXXX. [ Case number : XXXX ]. Their response to me on XX/XX/XXXX was as follows : " Ditech records reflect that you voluntarily applied for a modification review and, after completing the trial period plan, you were approved for a permanent modification. Once the modification is completed the account will be brought current. Ditech currently is waiting for the signed modification documents to be returned by you. If you have any questions regarding the loan modification process, please contact Ditech representative XXXX at ( XXXX ) XXXX extension XXXX " I 've called them in XXXX once I received the recorded modification documents with the XXXX. They assured me that the account will be updated on their system the first week of XX/XX/XXXX. By the end of XXXX, I still did not see my account updated to reflect a modification in place but instead it still shows that I am past due and late on my payments. I 've since them called them many times. One time they said that it will be updated in the beginning of XXXX. I called again in mid-XXXX and they said it will be updated soon because they are under-staffed. It is now XX/XX/XXXX and I still am showing my account not up to date. I demand that at this point they get my account updated because this is affecting my ability to apply for any credit or mortgage. Thank you.
08/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 531XX	Web	Servicemember
In XXXX of this year, my wife and I started receiving multiple phone calls from Green Tree Services LLC, our current mortgage holder. The caller was stating that we were several months behind in our mortgage payments and we owed upwards 0f {$4000.00} to them. Checking our online banking statements it showed that all of our mortgage checks had been processed and we were making the monthly payments. The woman calling, XXXX, was extremely rude in the voice mails and in one of my recorded voicemails, she curses into the phone. My wife was finally able to get a hold of another representative from the company who explained to my wife that Green Tree had made a mistake and placed all of the checks they had received from us into our escrow account, which in turn showed the mortgage not being paid. They even went as far as to send notice of eviction to our home. While we were desperately attempting to figure out what was happening to our checks we were sending, the company continued with the harassing and bullying phone calls. They even went as far as to call my place of work to harass me. After they finally realized the mistake was theirs, the calls stopped. I am extremely displeased with the undue stress and harassing calls this company has caused my family all due to a mistake on their part. The quality control of Green Tree Services leaves much to be desired.
01/17/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	LA 705XX	Web
I purchased a mobile home in XXXX for {$40000.00}. I put down {$10000.00} and financing {$30000.00}. This was financed with Green Tree and they have since changed their name to Ditech Financial but it is the same company. On XXXX XXXX, XXXX, I will have been paying this mortgage for 20 years. The company now says I still have a balance of over {$16000.00}. I requested an amortization and according to this document, most of my payments have gone to interest with zero going toward the principal. When I questioned Ditech, I was told it was because of simple interest which is crazy because I should still have principal payments and not zero. According to my calculations, I have paid over {$80000.00} on a {$30000.00} loan. Ditech has sent me a letter stating that I owe over {$22000.00} on this {$30000.00} loan that I have paid on for 20 years. So for the past 20 years, this company has only applied {$8000.00} to the principal which is just crazy. I need help. I have contacted them and offered a settlement offer of {$3000.00} along with a hardship letter as I am now living on a limited income of {$850.00} per month. They have turned down my offer and asked for {$7000.00} and I have counter offered {$5000.00} but I feel that I have paid them enough. They have called me asking when I am going to vacate my home and I told them I wo n't leave. Please help.
04/24/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IL 60073	Web
We bought our home in XXXX XXXX was are mortgage company. Through the years from XXXX and XXXX, are mortgage jumped to XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, Greentree, XXXX XXXX and everyhome now Ditech. We were never told about our mortgage being sold. Ditech is forclosing on us with a note dated from XXXX XXXX. There documents say they received our loan from XXXX in XXXX.but we were paying Greentree since XXXX. Because everhome sold our loan to them. That's the only time we got notice sale of our mortgage. We can never get anyone on the phone to discuss our loan. We had to use are son 's phone because it had a different phone number and immediately someone answered. But didn't show us having an account with them. So she transferred me. And was left on hold for an hour and 45 minutes. Just hung up. They say we can modify but keep saying there missing things. Now we're a little over a year of them refusing to except payments and not answering the phone. Also kept sending everything they asked for but keep getting letters and statements with different amounts owed. Or items missing. Horrible to drag customer 's along the longest they can, and cause them to get father behind when we could have payed our mortgage 4 months after the missed payments. There customer service knows nothing and you never talk to a representative. Something needs to be done.
08/02/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 726XX	Web
On XXXX XXXX, XXXX we requested to the removal of PMI payments. We were told we had not quite made it to 80 % of the loan at this time. This was told to us by a rep as we had to call to find out their answer and a letter sent by ditech. We reevaluated our ratio and on XX/XX/XXXX and called to see what instructions we would need to request this again. The rep told us we met the XX/XX/XXXX ratio in XX/XX/XXXX. We followed the directions and sent another letter asking again to remove the PMI payments. They have no one you can talk to other than submitting in writing. We received a response on XX/XX/XXXX denying the request. We sent a response back on XX/XX/XXXX to refute their decision as this loan is a conventional loan originating with XXXX which was bought by ditech. Per the homeowner 's act of XXXX we should be eligible. ditech is telling us we have to meet 70 % or loess of current value of the property. Further stated when I called ditech yesterday ( XX/XX/XXXX ) I asked the rep to tell me where it states in XXXX XXXX that this is a requirement as he stated. He could not and said he would have to defer my issue/concern to someone else who should be calling in 1 - 3 days. We have made our payments in the last ten years all on time. Per the HPA we meet the requirements. Ditech did offer for us to pay for an appraisal but we are under the 80 %.
10/15/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	IL 60048	Web
My primary mortgage company Ditech was on the verge of bankruptcy processing, my account has been transferred to XXXX started on XX/XX/2019. Ditech sent false report that do not match the real monthly payment to new service XXXX, also Ditech sent a delinquent credit report. The US Bankruptcy court sent a notification in XX/XX/XXXX, which made me stop 1st check of {$550.00} ( escrow shortages ). Ditech sent a letter about my mortgage loan service transfer to XXXX around XX/XX/2019, that is the reason to stop the 2nd check of {$500.00} ( the check sent on XX/XX/19 ) From XX/XX/XXXX to now, I called the both Ditech & XXXX many time to seriously state that the two stopped checks all for escrow shortages, not made for a regular monthly mortgage payment, because escrow shortage is optional, as customers like I have the right to choose Yes or No. These two stopped checks does not concern the regular monthly mortgage payment, because of the monthly payment funds {$1400.00} withdrawal from my bank every monththat is pure fact. Also I sent the two monthly payment proof ( the paid check copy and bank statements ) by email and by mail to the both Ditech & XXXX I always asked them to provide a banks chargeback source for XX/XX/XXXX payments, but Ditech could not do provide any documents, and refused to admit that the XX/XX/XXXX payment was counted as credit.
07/07/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 77546	Web	Servicemember
Ditech -- and Green Tree before it -- is nothing more than a collection agency masquerading as a mortgage lender. Somehow, my XXXX XXXX XXXX mortgage loan was moved to Green Tree ( later known as Ditech ). The company policy of harassment was constant and their accounting always suspect. My complaint now is that I ca n't get Ditech to send me my escrow refund following the sale of my house. The company HAS sent me documentation that my transaction was settled and approved and that I was due an escrow refund, which they claim they have sent. There are numerous complains posted online regarding Ditech 's " check-must-be-lost-in-the-mail '' excuse, which is exactly what I got. I was told I would have to wait 30 days to request a replacement check, but now my requests are seemingly being ignored. I have filed a complaint with the Texas XXXX and will also file complains with the XXXX and any other agencies which might help resolve this matter. Although, there 's more to this than resolution. This company represents the worst in business models and business practices. And, apparently, there are limitations in the degree of punishment they can be assessed for their practice of delinquent escrow refunds. I feared/expected " more-of-the-same '' treatment from Ditech, even after ending my business relationship with them. And more of the same is what I got.
09/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91768	Web
I am a customer with Ditech a loan lender. We went bankrupt in XXXX XXXX and had an agreement with XXXX at the time ; the name was XXXX and not Ditech loans. We have been paying off this load since XX/XX/XXXX. We had to go bankrupt on creditors and we did not go bankrupt on the XXXX XXXX that was our pre manufactured home. We found out just from prying this information from Ditech we owe just under XXXX on the loan paying off the principal right now and if we re-finanace it would be another 25 year loan. So we could have a bill each month like we have been requesting from Ditech Loans for 2 years now. So we only have 8 years left on the loan to pay off this loan. The reason for getting you involved is that they have been giving us Informational papers instead of the Ditech bill which would have the principal and what is left on the loan. We tried calling them and they stated that they can only send informational payment letter each month because of the bankruptcy in XXXX XXXX. We have not missed a payement on our mortgage with this company and would like to have our billing statements back which they are not doing for us. We contacted our bankruptcy laywer that did it for us and he said there are no re-afermation letters you can give to the judge, the judges do not do this. So we have exhausted all our means of getting when we need. Please help us!!
09/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KS 67204	Web
Ditech took over my account from Green Tree who I have been with since XXXX. My monthly payment is XXXX a month. I became behind one payment and called to schedule XXXX be added to each future monthly payment to make up for it, which they agreed with. I have since made 2 payments of XXXX but noticed on my statement that they are not being applied to my mortgage. Ditech shows I have not made a payment for XXXX, which I did ( XXXX ) but was not applied to my mortgage. Second was sent by mail ( XXXX ) XXXX and will not be applied to my mortgage. Ditech has a statement that says until the past due is paid payment will be held in a separate suspense account ( what is that? ). Those payment will not go toward my mortgage until I pay what they say I am past due. So, my agreement with them to add XXXX a month is bogus. I tried to call and the extension for a representative is no longer in service. Also, my payment is due on the XXXX but a rep. told me if I pay it by the XXXX there is no problem, I have been doing so. I emailed the contact they gave me to change my due date to suit my schedule and found out it was bogus. I am scared they are scamming me since I have been receiving documents that they are going through law suits for this very thing. Please help, I don't want to lose my home over one late payment and them not honoring an agreement.
06/15/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10312	Web
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER DITECH. I FAXED ALL DOCUMENTS TO THEM ON XXXX / XXXX / 17 AND CONFIRMED THAT THEY HAVE A COMPLETE PACKAGE AND THE FILE WENT TO THE UNDERWRITING DEPARTMENT ON XXXX / XXXX / 17 WITH A 30 DAY TURN AROUND TIME FOR A DECISION. I HAVE A XXXX XXXX LOAN SO LOOKING UP THE GUIDELINES FOR ASSISTANCE WAS PRETTY EASY AND AS WELL AS LOOKING AT THE GUIDELINES ON WHAT TO EXPECT ON THE CFPB WEBSITE TO ENSURE I AM NOT TAKEN ADVANTAGE OF. I CALL WEEKLY, EVERY 5 B USINESS DAYS AND EVERY TIME THEY STATE THE FILE IS IN REVIEW AS OF XXXX / XXXX / 17 WITH NO DOCUMENTS NEEDED. WE ARE NOW ON XXXX / XXXX / 17 OVER 3 MONTHS IN THE UNDERWRITING DEPARTMENT, WHEN I QUESTION A DITECH RE PRESENTATIVE ABOUT THE LENGTH THEY GIVE ATTITUDE AS IF I AM BOTHERING THEM AND STATE SORRY YOU FEEL THAT ITS TAKING A LONG TIME AND THEN END THE CALL. I CANT GET ANYWHERE WITH THIS SERVICER AS THEY ARE RUDE AND DONT CARE ABOUT THE BORROWERS OF THE INVESTORS THEY ARE SERVICING. I SPOKE TO XXXX AT EXTENSION XXXX WHO IS APPARENTLY ASSIGNED TO MY FILE WHICH I ASKED IF I CANT MAKE A PAYMENT BECAUSE I AM IN FORECLOSURE AND IT IS TAKING YOU OVER 3 MONTHS TO REVIEW MY FILE WHICH IS CAUSING ME TO BE MORE DELINQUENT HOW IS THAT RIGHT, HER RESPONSE WAS WELL SIR YOU WERE ALREADY DELINQUENT WHEN YOU STARTED SO ITS NOT OUR FAULT.
09/21/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 781XX	Web
XXXX XXXX 2015 contacted my current mortgage company to refiance my loan. They did credit check, appaissor done, was sent appraissal copy then for month no communication after i kept emailing for a status, then given false info abt title company called them was fixed loan processor still no communication after calls & emails. I called the ditech guy he then called a supervisor gave me another person as loan processor. She said things needed fixed before closing well all this time 2 months no one told us, got these fixed but then title company XXXX had papers since XXXX XXXX 2015 nvr cleared title for closing. Until after XXXX XXXX 2015 which then expired my application. Told all need to do was resubmit for application loan then they called saying ur credit now lower ( ya XXXX hard inquiry by them in 4 months ) cant do conventional but can do fha loan costing more. Ive paid my mortgage for 20 years same address but now they stalled around for months telling me false statement when application expired ( have email as proof ) can just resubmit knocked my score lower and trying to act like its ok they stalled around no communication for months on something they do everyday as professionals. How is a person to do as they need to when these companies seem to get away with stalling or right out lie abt process after their mistakes which they admitted to.
12/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 015XX	Web
I continue to have problems with Ditech. I made a payment for my mortgage that was due XXXX XXXX, XXXX. I sent the payment with the statement for this due date on XXXX XXXX, XXXX. It was received by Ditech according to their own records on XXXX XXXX, XXXX. Instead of being applied to XXXX 's statement, it was applied to the principal of my loan. When I failed to receive a statement to make the XXXX XXXX, XXXX payment, I went to my account online on XXXX XXXX, XXXX. It was then that I realized that Ditech had misapplied my payment from XXXX and had assessed a late fee because it indicated that it had not received the payment for XXXX XXXX, XXXX. I called customer service and XXXX told me that she would put in a request for reallocation and to reverse the late fee. I went ahead that day XXXX XXXX XXXX, XXXX ) and made a payment to cover the XXXX XXXX, XXXX payment. On XXXX XXXX, XXXX, I saw that my XXXX XXXX, XXXX payment had been applied to the XXXX payment and that my new due date was XXXX XXXX, XXXX. Today, XXXX XXXX, XXXX, the due date is now back to XXXX XXXX, XXXX, and both XXXX XXXX 's and XXXX XXXX 's payment are in a catch all category of " unapplied amount. '' This is unbelievable! They have also not reversed the late fee, even though my XXXX and XXXX payments were not late. I will call them again tomorrow but this is getting ridiculous!
05/30/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	GA XXXXX	Web
I was granted a loan modifiation. The stipulations was that if I missed no more than 3 payments in 5 years, then I will have {$5000.00} of the loan balance forgiven. I have never missed or was late on a payment! In the fall of XXXX, my loan servicing was transferred to Greentree, now known as XXXX. In XXXX XXXX, I noticed an error in my escrow account. I ask them to fix it. This let to a living nightmare!. They redid my escrow 3 times in 4 months with mounting errors and problems. ( Enclosed ). In XXXX, XXXX, I paid what I thought was the correct amount. This company cashed my check, but did not notify me of any errors. On XXXX, XXXX, I paid the same amount. This company, without my permission, took part if this payment and applied it to the XXXX payment. I did NOT get any com. From them Then, I sent them 3 checks, one to cover the remainder of XXXX and one to cover XXXX and another to cover escrow. Then, This company this 3 things. 1. Reported to the credit bureau that I was 3 months behind, 2. Denied my loan reduction. And 3, denied my request to pay my own taxes. I want this company to 1. Fix my credit report to report the truth. My report does not even show a reason for the 2nd month. They were being vindictive. And 2. grant my loan reduction. Oh, by the way, they are transferring my account, but they made this error and they should fix it.
11/21/2017	Yes	Mortgage FHA mortgage	Closing on a mortgage	IL 60431	Web
We were in the process of selling our home and needed a payoff from Ditech to gear if it was feasible to be able to sell our home. I contacted Ditech in XX/XX/XXXX and was given a payoff of XXXX and asked them if there was any other debt assigned to the property and they said no, so we proceeded in selling our home. We received an offer in XX/XX/XXXX to sell our home of XXXX, and we accepted it. Closing was set for XX/XX/XXXX. My lawyer XXXX XXXX found that there was another lean on the property and immediately contacted Ditech for additional information. Ditech was less than cooperative to resolve the issue and did not resolve till closing date. Closing came and 1 hour into closing the sale of the property We were informed that we needed an additional XXXX for the sale of the property and if we did not pay it we may have a lawsuit or have to file bankruptcy. What had happened there was a non interest subordinate loan on the property from Hud and Ditech never disclosed it. This was set up by XXXX XXXX in XX/XX/XXXX from a modification. the loan was sold to Ditech and the modification was no longer disclosed by Ditech in any form. We would not have sold our house if we knew that loan was still outstanding. We ended up putting ourselves in deeper debt to close on the property. We were severely mislead by Ditech and there complete lack of service.
05/06/2018	Yes	Mortgage VA mortgage	Closing on a mortgage	CA 95348	Web	Servicemember
I applied for a va cash out refinance with a broker on XX/XX/XXXX and was quoted a 3.5 interest rate on his paperwork loan estimate. On XX/XX/XXXX, I got the disclosures and paperwork from ditechs showing XXXX closing costs and a 3.625 rate. My broker told me we were over the max amount allowed for fees to a veteran and would waive the XXXX processing fee to get us below that amount. He has stalled me from then until XX/XX/XXXX, sending me his own rate lock confirmations from ditechs showing a 3.5 lock and assuring me that even though I did not sign their paperwork, I was locked in. We had appraisal and termite done and I was assured the closing docs would reflect the 3.5 rate and would close by XX/XX/XXXX. In the meantime, my current lender called me and after seeing my paperwork told me he had not provided proper legally mandated disclosures to confirm the rate. Late Friday XX/XX/XXXX, after 2 weeks of stalling, I was told we were cleared for closing and he was " working on the rate ''. I was angry when my insurance contacted me to advise my mortgage had been substituted with ditech. I immediately contacted him but got no response until I received an email telling me that due to va loan regulations, the lender could only give me 3.625. I was paying points. They were charging me XXXX for just that buy down. I backed out but how is this legal?
10/27/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Credit decision / Underwriting	IL 60585	Web	Older American
I am a XXXX. Bought a home in XXXX, and have NEVER been late with a mortage payment in 20 years. I called Ditech ( the current bank who holds my loan, since it has been sold to XXXX different banks in the last few years ) to request the {$5000.00} " XXXX '' incentive and to discuss refinancing my loan on XXXX/XXXX/XXXX. Since then, I have called on several occasions ( too many to list here ) to see where I was in the process. Ditech has given me the run around, sent more paperwork for me to fill out, placed me on hold incessently, transfers me to other agents, and I NEVER receive an answer. During XXXX conversation with a male agent, on XXXX/XXXX/XXXX, the agent told me they were holding the {$5000.00} incentive, and instead would give me that performance incentive as well as another {$5000.00} XXXX XXXX incentive next year in XXXX. I knew that was not part of the incentive program, and not true, and they were just putting me off once again. After five months, I still have not received conformation that I will receive the " XXXX '' incentive of {$5000.00}. What is a consumer such as myself supposed to do? The time is almost up for the program, and after 20 years of faithfully paying my mortage on time, Ditech has effectively put my request on hold until they can say, " too late ''. I have done everything they have asked of me. Please help me.
12/17/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 27265	Web
I am in the process of selling my mobile home. When the closing attorney 's office went to the DMV to do a title search they found out that XXXX ( now Ditech ) had a lien on my title. They tried to contact the company but they would not talk to them because it was my property. Mind you, XXXX was my mortgage company when I first purchased the home in XXXX and I re-financed the home about 10 years ago with XXXX and I 'm not understanding why they did not obtain my title at that time but anyway, I contacted the company and they told me that a lien release letter needed to be sent to an email address ( only contact to this department is via email or fax NO # to call ) and they told me to provide as much information as I could because they could not locate an account in their system and it would need to be researched. So, the closing attorney 's office sent in this information and got an email back stating that the release was in process but NO information about where it was going ... It has been 10 days, numerous attempts from me to find out what the lien-release process is and where the information is being sent to, DMV/Attorney 's office/ME NOTHING!!! This is holding up closing of my house and now the new buyers are having to pay to extend the loan until this problem is solved. Can someone please intercede here and help me resolve this issue??
07/02/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 020XX	Web
My mortgage is serviced through Ditech. I have PMI on my mortgage. I performed a substantial amount of work on the home and I called Ditech to ask what the procedure is to remove the PMI due to increased value of the home. The representative stated that I needed to order an appraisal and forward it to an email address she provided. I specifically asked if I could order the appraisal myself and she stated that was their procedure. I informed her that I was having an appraisal done by another lender as part of a HELOC application and I asked if could use that appraisal and she said absolutely. I submitted the appraisal as instructed and was called a day later by Ditech informing me that they could not use the appraisal as they need to order the appraisal. When I pointed out that this was in direct conflict with the information I was given the representative acknowledged that I was given the wrong information and promised to escalate the issue to her supervisor for an exception. I got a call today ( 4 days later ) informing me that they can not use the appraisal and would be willing to reimburse me for the cost of the appraisal if I provided them a bank statement showing the appraisal fee being paid from my account. This is not satisfactory as I want to eliminate my monthly PMI of {$100.00} per month and I followed the protocol they provided.
04/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 291XX	Web	Servicemember
When closing in XX/XX/XXXX, Ditech did not explain that I would have to file for homestead exemption in my state. I only learned of this AFTER they raised my payments in XX/XX/XXXX to cover the " underage '' for payment of county taxes. I had to contact the county, fill out and file paperwork to get it backdated. I did so, but it took the county a few months to process everything. In XX/XX/XXXX, Ditech did two analysis, but only sent a check for {$180.00}, even though they had received a check from my county at the end of XX/XX/XXXX or beginning of XX/XX/XXXX. I did get a reduction in my mortgage payments in XX/XX/XXXX. I called FOUR times to have them send the check to me ( the county had to send it to Ditech for reimbursement to us since Ditech had sent the county the money ). EACH time I was told NO other analysis had been run and that they would escalate it. This is approximately $ 1,400-plus that they have kept over the 30 days allowed. It wasn't until my wife blasted them on their XXXX page that we had any positive communication. She posted on XX/XX/XXXX, and again on XX/XX/XXXX. The claimed to have mailed a check, but as of XX/XX/XXXX, no check has arrived. I believe they have violated federal law on keeping the money longer than 30 days and refusing to refund the money, even though they acknowledge " the check is in the mail. ''
08/24/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CO 806XX	Web
Brother in law took out a home inprovement loan and then became XXXX. He fell behind in payments and his brother discovered home was in foreclosure. on XX/XX/XXXXwe contacted the Mortgage company who passed us around to their lawyer, and Public Trustees office. on this date we explained we had the funds to cure and pay off the loan and requested the cure and payoff numbers be provided to have home release fron foreclosure. n onXX/XX/XXXX we reached ot to congressmen XXXX 's office for assitance after we were told it would take 14 days to get the figures requested, The sale date was set for XX/XX/XXXX and we did not have 14 days. Congressmen XXXX 's office did assist us getting the cure to stay until XX/XX/XXXX. I have contacted the Mortgage company several times since and I have been given several different stories and excuses on why we have not received the information request. I have faxed the Power of Attorney twice, hung up on several times and not once have I spoken to the same person. the home is valued at XXXX to XXXX and we believe the Mortgage company is stalling so they can sell this home for a profit. We have the funds to payoff the loan and it is our desire to do so. Please note during the last two weeks our Brother was XXXX and then went to XXXX XXXX to get his strength back and has no funds of his own to take legal action.
12/09/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 78664	Web
I just picked up a certified letter dated XXXX XXXX, 2016 that Ditech Financial LLC, a Greentree serving company merger, mailed on XXXX XXXX, 2016 where Ditech is planning to foreclose in violation of Dodd-Frank and XXXX. 1. Ditech is disregarding Dodd-Frank because Texas has what is called a rule XXXX and XXXX expedited hearing and the number of payments or XXXX does not matter as long as they provide notice of intent to foreclose. 2. Ditech falsely documented I missed XXXX/XXXX/2016 and XXXX/XXXX/2016 payments. Attached are the cancelled checks and the cancelled check for XXXX 2016 that Ditech had when it claimed XXXX and XXXX were missing. 3. Ditech is willfully violating XXXX by refusing to process my XXXX XXXX, 2016 for XXXX while it threatens foreclosure. I do not have any missing documents, which they acknowledged to XXXX, but since those conversations are taped, Ditech is falsifying written letters. 4. Ditech is falsely reporting the Advance balance. Beginning XXXX 2016 {$11.00} per month of the mortgage should be applied to the short. See the XXXX statement attached. When XXXX transferred the account to Ditech in XXXX, advance balance was supposed to be reduced. Yet, Ditech deceptively includes it to drive up the balance. 5. The late fees are not valid but Ditech includes those to run up the balance. XXXX XXXX XXXX # XXXX
10/27/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90746	Web
In the past few months I have discovered many concerning matters regarding my loan. The first issue being that Bank XXXX New York is not the actual holder of my loan nor has the loan ever been assigned to their company with any recorded or certified documents. I went to XXXX XXXX of records and was provided a certification of non-filing, meaning the document was never in fact filed. I even have an email directly from the president of Bank XXXX New York informing me the loan is not owned by them. I researched and was able to pull the assignment document and contacted the person who signed the assignment, XXXX XXXX, I asked him if that was his signature and he proceeded to inform me that he could not tell me if it was or if it was not his signature which raised alarms to me. Since discovering this information, I have contacted Ditech my servicer in attempts to help save my home. I provided all documentation they requested only to be told that I " do not meet the criteria '' for a loan modification with no detailed explanation nor alternatives to avoid foreclosure. I was never provided a single point of contact during that process and was constantly given the run around and treated unfairly. I am now facing an upcoming foreclosure and am unsure who my lender really is at this point and am beginning to become concerned about losing my home.
11/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY XXXXX	Web
I have ( TWO ) complaints. On XX/XX/18, I got a letter from Ditech in reference to My annual Escrow Account Disclosure Statement ; It stated that my account has a shortage of $ XXXX, of which I could pay the full amount or spread it out over a 12 month period at $ XXXX per. month. On XX/XX/18, I send a one time payment of $ XXXX instead of spreading the payments out. In doing this my New monthly Mortgage would be $ XXXX.In XX/XX/2018. Surprisingly to say Ditech conveniently ignored my earlier deposit and factored it into my XXXX mortgage to a new total of $ XXXX. Setting me up for disputing my monthly payments on tack for foreclosure. So I see a pattern to date.I have previously lodged a complain about how Ditech still owed me $ XXXX for monthly contribution of $ XXXX I have made, part of an Incentive of the Home Affordable Modification, under the Borrowed Incentive as long as the loan was not 90 days delinquent which to this day never missed a day. XXXX XXXX along with Green Tree collected it, passed it on to Dietech ; but no one is addressing this problem. Interestingly to know that the interest rate that is to click in after so many months have been on time never misplaced but my contribution that will eventually help to pay off my mortgage is not attended to. So on these two points ; please have Ditech address these for me.
11/10/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MT 59801	Web	Servicemember
Ditech added a building master policy to my single condo account in XXXX even though my HOA has covered the group master policy for the outside of the building since I have lived there. Ditech keeps asking to fax various forms so I comply and send them what they ask for. I then contact the company again after sending document after document and then the rep tells me I will be credited in 3-5 days. Then today I received an email saying they do n't have my master policy again. I called them and then they tell my they need proof of insurance and want the master policy. I told them it 's in there system then they tell me well they actually need XXXX policy even though the fraudulent charges were all from this year. I track down the old policy and send it to them anyway. Then I call back I get told that it 's on my account now. I ask about credit for the charges which should not have been on my bill. Now they are saying that I just have to wait 1-2 billing cycles and then I will receive credit. I ask them for how much and then they say they can not see the information and each rep just continues to transfer me to the next department and will not help me. My condo is going to forclose and its because ditech has put fraudulent charges on my account and will not remove them even though I provided them with every document they have asked for.
08/22/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OR XXXXX	Web
Ditech Financial is the servicer for loan. The borrower XXXX XXXX in XXXX 2016. The borrowers estate had to go through the probate process as he XXXX with no will or trust. The probate attorney we are working with advised the estate should not make any payment to creditors until the notice period has been completed and an estimated sale date for the property is known. I have explained to Ditech the situation and requested all late fees and penalties be waiver because of the unique situation. Ditech has refused repeatedly to waive the late fees. They have claimed no one at Ditech has the ability to waive the late fees. I know this is not true. I was also told by Ditech that the investor of the loan, XXXX XXXX, had to be the entity to make any decisions on the loan. I called XXXX XXXX and they said the servicer, Ditech, has full delegated authority to make decisions on the loan. When this was presented to Ditech they said the late fees could not be waived. I am disgusted at how Ditech has dealt with this loan. Ditech also said there is a {$19.00} fee to pay by phone, but you can use a free option on line. When I tried the online payment the system said the account was not eligible for free online payment. I have a history of conversations and actions with Ditech over the past 8 months if you would like to see how bad their service is.
12/08/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AP XXXXX	Web	Servicemember
I had a home loan with Ditech which I never missed a payment on. I sold the house and have the loan paid in full, but I've had nothing but problems since. I've called Ditech customer service reps about 10 times for this now and Ive gotten nowhere. Ditech home loan number XXXX. My loan is paid in full. However, I have a {$560.00} escrow balance left with them, need it refunded and they refused to disburse me my money. Ive asked for this refund at least 10 times now. There is no reason they should be holding this money and refusing to send it to me. Additionally, my loan closed on XX/XX/XXXX. During that loan closing, my title company paid my county taxes in full. No taxes should have been sent out by Ditech because they were paid in full by me, but for some reason, they still dispersed my tax payment on XX/XX/XXXX. ten days after my loan was already done paid off. Since my taxes were paid in full during closing, then again paid by them, they have been double paid. The county will not issue the refund to me since they're the ones who made the payment. They need to get a refund from XXXX County for {$1200.00} then send me that refund, but once again they refused to do so. With the tax payment, and my remaining escrow balance, they are withholding {$1800.00} of my money, and not a single representative will do anything about it.
10/02/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NJ 08831	Web
ON MY CREDIT REPORT A COMPANY CALLED DITHECT, I HAVE Disputed THIS ACCOUNT WITH credit bureau 's and then they the credit bureau Company contacted them and then all of a sudden they contacting us ... it 's been a charge off for a long time over 7 years ..now all of a sudden they reporting it recent and ca n't even list what the amount of payment..we never had a mortgage with Dietech. I had to put a fraud alert on all the Credit bueru 's this is one thing..the other thing is a company called XXXX ... they are another one reporting as charge off and with a comment unable to reach us..well us never had any contract with XXXX..and we never moved, never changed phone number, and now they reporting it as recent date while it should be removed..it 's way past the FCRA of 7 years And they also could not put the amount of payment..they broke the law and I will be filling a lawsuit against the credit bueru 's for doing this and allowing it and also for mental harassment on making our credit to be effected ... the credit bureau 's ca n't report one thing and then update with dates and numbers ..., done we are at our end of being harrased..please help seek why credit bueru 's are allowed to break the laws just because some company that does not even belong to us told them this is updated dates and numbers .it 's against FCRA law to do this..
04/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OH 44105	Web
MY LOAN WAS TRANSFERRED TO GREEN TREE IN XXXX XXXX FROM XXXX. XXXX XXXX I received a paper from them showing these fee 's that they added on and when I called them they could not explain it. I know I was n't behind on my escrow and my taxes went down as well. That 's the month when it started. I told them I was waiting to hear about my modification from XXXX and they said that I have to apply for a new XXXX with them. So I did and they denied me. I tried again and once again they denied me and said even though my house is worth XXXX the appraised amount they the house is worth is XXXX. When I applied for the modification again for the second time. they denied me. in XXXX XXXX. So I wrote a letter to appeal it and I did n't get anything back from them this time. So I called in XXXX and ask them what should I do next. First they said that they did n't get my appeal. And then they put me on hold and said OH YEAH WE FOUND IT. And they will be sending me out the paper work so I can reapply for the modification. While I 'm reapplying for that I get a letter in the mail from downtown. Saying they filed a foreclosure on my house. Which I did n't understand if we appealed it last year in XXXX. and they must have lost my paperwork. So between XXXX starting this an sending it over to green tree. Which Green tree is not helping not one bit.
08/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MS 38671	Web
Ditech, my mortgage provider went through a system upgrade in XXXX 2016 ( according to them ). I currently make biweekly payments on my mortgage, almost twice the amount of the standard payment. Due to technical issues, the system is no longer able to post biweekly payments. This is now resulting in showing over {$7000.00} of unapplied payments, but the mortgage now shows past due since XXXX XXXX, 2016. I did contact the provider by email and by phone several times. They have assured me the are reviewing the account. Beside a simple acknowledgement that they received my complaint and are reviewing this ( without any results as of XXXX/XXXX/16 ), they have never proactively reached out to me as to provide any status update. They are however reaching out with never ending collection calls and letter. If it was any other service, as a consumer, it would have swapped providers. However with a mortgage that is not such a simple task. It has been over 8 weeks with no results ( and I 'm sure I 'm not the only one ). I understand system issues, but it is inconceivable to me that not a single individual within the company can review my account and make the necessary corrections. I have no faith in the process, nor would I ever know if after the corrections the remaining balance would be correct ( depending on how payments are posted ).
03/21/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	FL 335XX	Web
We have paid Our current mortgage on time for the past year. They refuse to report our good credit payment history to the credit bureaus ; However if we are late or if there was a problem they will report us for having bad credit! This has cost us the ability to be able to refinance a new loan because we have no positive payment history. The manager XXXX ( XXXX XXXX ) from Ditech has informed us that because of their contract with their parent company XXXX XXXX home mortgage they 're not allowed to report any good credit from the mortgages they acquired from the old company. We were advised by our state representative to file a complaint through your agency ... This situation is completely unheard of by everyone including the company we 're trying to refinance with, our lawyer or our state representative. The mortgage broker who was in the process of getting as approved for are refinancing has advised us he believes that we are the victims of a predatory loan or some type of illegal behavior on the part of our current mortgage holder.. We can think of no other reason for the mortgage company to withhold our positive payment history other than to force us to stay with their company and not allow us to receive a new loan that would save us thousands of dollars on a new interest rate. This is completely unheard of is very unfair.
07/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 434XX	Web
Long story short : I have had payments rejected by Ditech for three months now due to their error. I have called each month to correct the situation only to have another argument about the payments not getting applied as scheduled. Late fees assessed when they state they will waive them only to have them tell me, " I have no record of that conversation ''. ( This conversation took place in XXXX 2016 ). It has been three months now that late fees assessed and scheduled payments not applied as they were confirmed to be due to an error made in XXXX 2016 by Ditech. I now have to write a written letter with documentation of the problems for the last three months to XXXXXXXXXXXX. I guess they have no phone number or address, at least that is what I am being told.. I am unable to speak to a manager and when given his name and extension, only to be able to leave a message on voicemail, with no return phone. I also need to call the credit bureaus if and when this issue gets resolved to clear my name on any late payments reported to them because of this. This is a nightmare dealing with Ditech. My account online is locked and I am afraid to schedule autopay until this mess is cleared up for fear my payments will continue to reject. Documentation can be submitted if requested. All calls have been recorded each month according to Ditech.
05/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MI 480XX	Web
I received an alert on my experian report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XX/XX/XXXX green tree bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. Green tree servicing are know for illegal actions such as this XXXX. I have enclosed a copy of an experian report dated XXXX XXXX XXXX that shows the original creditor XXXX XXXX account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with green tree servicing on my experian as of XXXX XXXX XXXX with this expired debt. The date opened is the same XX/XX/XXXX. This debt is expired and should not be on my report. XXXX has been deleted from all three credit bureau since XX/XX/XXXX. Green tree have purchased and expired debt.
08/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MA 014XX	Web	Older American
I had a mortgage with XXXX XXXX which ended up with a modification through XXXX XXXX XXXX, which intern sold the mortgage to Ditech. In XX/XX/XXXX I had to file bankruptcy ( Chapter XXXX ) due to a law suit. The bankruptcy was discharged in XX/XX/XXXX, The mortgage was not a part of the bankruptcy and my payments to Diteck were made on time consistently. In XX/XX/XXXX I contacted Diteck as I noticed my payments and history were not being reported to the credit bureaus. I told them that the bankruptcy was discharged and was told they have 60 to 90 days to stop the " code '' hold on reporting. Now I am applying for a reverse mortgage, I can not reach Diteck directly, there is a " code '' on my loan number that automatically transfers me to a third party which will not release ANY information to me, no accounting of my loan, no loan statement nor a mortgage payoff amount, and they still tell me they have 60 to 90 days to change this. There is NO obvious reason why I can not obtain a written accounting of my loan payments and a statement. The only reason I can envision is they DO N'T WANT ME TO HAVE THIS INFORMATION so the can keep my 40 year loan at the high rate of interest. This is impacting my credit score and preventing me from getting a mortgage as I need a loan statement with the loan number and the institution to apply.
07/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 97229	Web	Servicemember
My former mortgage company was bought out by Ditech effective XXXX, 2016. I called Ditech to set up automatic withdrawals on the XXXX of each month. XX/XX/XXXX and XX/XX/XXXX, both withdrawals were n't taken until the latter part of the month. Somehow Ditech applied the XX/XX/XXXX payment towards the principal only, claiming I made two payments in XX/XX/XXXX. Not! XX/XX/XXXX, I cancelled the automatic withdrawals, and made an electronic payment online. Ditech claims they never received my XXXX payment. They even withdrew my capability to make an electronic payment after that. I filed a dispute with Ditech on XXXX XXXX, and attached my XX/XX/XXXX checking account statement, indicating Ditech 's withdrawal in my statement. I wrote a personal check for XX/XX/XXXX and XX/XX/XXXX 's mortgage payment. The XX/XX/XXXX payment was acknowledged, and I am awaiting the XX/XX/XXXX acknowledgement. In the meantime, my stellar credit score went down XXXX points! Ditech strips you of your dignity and intelligence. It is my hope that I receive more than a rote automated response from Ditech. How can they NOT take responsibility for their errors, when the evidence is clearly there? My next step is to contact an attorney and see that Ditech does not continue to thwart their responsibilities as a reputable loaner. This is just the beginning.
06/07/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 338XX	Web	Older American
In XXXX Greentree LLC was whom I made my payments too. The hid checks and charged me late fees. I had been trying to do a loan modification.., It took me two years and 8 applications. I finally got a mediator to assist me so they would stop with this deceit. When the banks received the money from the government XXXX XXXX XXXX hid me so deep that I had no IDEA they had my mortgage. In XXXX I became XXXX XXXX. And was XXXX at XXXX Hospital . They called me to collect XXXX XXXX I was short on my mortgage payment. They constantly harassed me. My point is I received a call that there was a lawsuit against them. It was to late when I reported them. The gentleman told me to file a complaint. I now sit with a {$62000.00} deferred balance that should of been forgiven. Being the dishonest company that they were. I challenged it and they told me. It was like driving a car off the lot.. It depreciated when you drive it off the lot. I have been sick with XXXX XXXX for 7 years now. And I have finally had remission. I am back on my feet and trying to resolve these issues. XXXX XXXX holds my mortgage and Ditech took over XXXX XXXX. That's to whom I make my payments too. I am not sure what to do. I know this whole mess is the deceit of a company and their employees who made profit off there collections. Thank you and please help me.
07/08/2015	Yes	Mortgage Other mortgage	Settlement process and costs	NC 27501	Web	Older American
We put our house on the market XXXX XXXX 2014 for $ XXXX within a week we were told greentree wanted $ XXXX. we signed all the paperwork. we submitted everything as it was given to us within XXXX hours.We received a letter dated XXXX XXXX stating " you can not be involved in an account modification and a short sale where an offer has been submitted, accepted, accepted, approved and is pending closing, or a deed- in - lieu where the deed has been executed and the related documents are being finalised '' greentree repeated thisXXXX times in the letter. I think a reasonable person has an expectation of a closing being imminent. The closing was set by our lawyer for XXXX XXXX. XXXX kept asking information which had been submitted. They never asked for an appraisal until XX/XX/XXXX. They did not allow a closing until XXXX XXXX. I believe they do not act professionally or with the custom in mind. I truly believe they just did not care about performing their duties in a professional and prompt manner. I had a contact person but when I kept calling they transferred me to a line that was an answering machine. no one ever returned my calls. I expected my credit to drop, but what is hurting me now is that they are showing late payments, which if they did there job promply and professionally we would have closed by XXXX XXXX 2014.
06/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33830	Web	Servicemember
I received a letter from the IRS dated XX/XX/XXXX saying that they received a XXXX from Ditech Financial LLC claiming I had a debt of {$20000.00} in XXXX and I needed to pay taxes on the Cancellation of debt, about {$3000.00} dollars. Ditech Financial LLC XXXX XXXX XXXX XXXX, AZ XXXX I mailed and faxed a dispute on XXXX to Ditech explaining I have never applied for any kind of credit from Ditech Financial LLC. I requested a copy of the 1099-C and any information they may have regarding this fraudulent debt under my name. I suggested investigation should be open immediately within Ditech Financial LLC to get this matter resolved as soon as possible and clear my name. I informed, faxed evidence of identity theft to the IRS personnel XXXX XXXX XXXX, stating that was not my debt and asked for an investigation to be opened with tax fraud to get this off of my name. The IRS didn't do anything and is still trying to collect taxes on the debt from Ditech. I received no letters or phone calls or any action was taken to resolve this matter from Ditech or the IRS, today is XX/XX/XXXX and nothing has been resolved. I informed the Credit Bureaus as soon as this happened and they placed an Identity theft alert on my profile right away. I have contacted local police to open an investigation as an attempt to get this resolved.
06/08/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WI 531XX	Web
I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT MY FILE HAS BEEN DEEMED COMPLETE ALL REQUESTED DOCUMENTS SINCE XXXX / XXXX / XXXX . I CALL WEEKLY AND NOTHING CHANGES, NO DOCUMENTS BEING REQUESTED OR ANYTHING ELSE BESIDES IN REVIEW ALL DOCUMENTS HAVE BEEN RECEIVED. I HAVE A XXXX XXXX LOAN SO I WENT ON THEIR WEBSITE FOR MODIFICATIONS AND READ THAT THE LENDER HAS 30 DAYS TO ISSUE A DECISION ONCE THEY DEEM MY FILE COMPLETE AND SEND IT TO THE UNDERWRITING DEPARTMENT. I CALLED TODAY XXXX / XXXX / XXXX AND WAS INFORMED THAT AS OF XXXX / XXXX / XXXX A LETTER WAS SENT OUT STATING THAT MY FILE WAS DEEMED COMPLETE AS OF XXXX / XXXX / XXXX WHICH IS NOT TRUE DUE TO I WAS TOLD THAT SINCE XXXX / XXXX / XXXX . MY DOCUMENTS ARE VERY OUT DATED AS THEY ONLY HAVE XXXX AND XXXX DOCUMENTS. I KNOW THAT ONCE SOMEONE ACTUALLY TOUCHES MY FILE THEY ARE GOING TO START ASKING FOR DOCUMENTS AGAIN AND WHEN I ASK IF I SHOULD UPDATE THEM THEY SAY NO, THIS WILL SLOW DOWN THE PROCESS EVEN MORE. HOW CAN I GE T DITECH TO HEL P ME IF NO ONE DOES ANYTHING. THE REPRESENTATIVES THAT I SPEAK TO ARE ABSOLUTELY RUDE AND DONT CARE OR GIVE ANY CUSTOMER SERVICE. I AM JUST LOOKING FOR THIS SERVICER TO ACTUALLY DO THAT WHICH IS SERVICE MY ACCOUNT FOR MY INVESTOR WITH 100 % CUSTOMER SERVICE AND KNOWLEDGE SO I CAN TRY AND SAVE MY HOME.
09/18/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 37865	Web
ConsumerFinancialProtectionBureau This complaint is directed with over 8 lenders who have received monies from me since 2003 when I originally purchased my home from the builder. I have detailed in a summary document how my loan has somehow gone from a 30 year mortgage to a 44 year mortgage, how my loan amount varies throughout the lenders, how did a fixed rate loan change so often ... these are just a few questions. I have provided documents that show both my bankruptcy attorney and the bank 's attorneys kept me from filing the one document of re-affirmation needed to prevent the issues that have occurred. They blocked me until time expired. This is a very well documented complaint that is clearly predatory and should never be allowed to occur. Note : Some attachments ( pdf ) were too big and had to be broken into smaller files. I was not aware til after the index of attachments was uploaded, so I named them similarly and included page numbers. I need someone to take an interest in this complaint and give it the consideration it deserves. I worked over 30 hours to produce these documents. Being XXXX and having to confine myself to a chair for long hours is extremely painful but I did it. You should have everything you need to resolve the main issue of terms of loan ... when passed from lender to lender.
02/21/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 60046	Web	Servicemember
Purchased a home in XXXX, XXXX in XXXX for {$390000.00} the height of the inflated prices of the housing boom after taking a XXXX job. So, moved myself from XXXX to XXXX with no assistance from the XXXX. Left XXXX and moved to private industry for 5 years. Rejoined XXXX, XXXX to move to XXXX with no housing assistance. Was able to get the house rented but it did not cover the mortgage costs. The market value never returned to the amount that I paid for the house. About XXXX or so, the huge retaining wall needed a {$20000.00} repair which we could not afford, so we were unable to rent it any longer or sell it. So, we decided to try a short sell finally getting it sold for {$250000.00} in XXXX. However, Ditech, the largest of the XXXX company 's holding the Mortgage would not allow a short sale to go through until I was 90 days past due. By the time the final transaction was completed, they were able to state that I was 6 months passed due, seriously degrading my credit rating. Also, they posted to the credit companies that the loan was closed, but not paid in full. 1 ) Is there anything that can be done with my XXXX employer to force them to provide some financial assistance that was never provided? 2 ) Is there anything that can be done to fix my credit history? Seems like the system is rigged against individuals.
04/10/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80503	Web
Hi, I got a letter from Ditech saying they were going to send some one to collect money in the amount of {$850.00} because of fees. I didn't even know I had fees because I pay my mortgage every month or every other week, in the case of biweekly payments. I signed up for biweekly payments from Ditech Financial starting on about XX/XX/XXXX and continued biweekly payments until XX/XX/XXXX. In total there were 43 biweekly payments. The first 18 payments were for {$780.00} each. The next 24 payments were for {$840.00}. The 43rd payment was for {$910.00}. I signed up for biweekly payments to pay down my loan faster. The company apparently however was holding onto my money and making payments every month. This was very deceptive and I just learned about it after XXXX them. In addition during the biweekly payment period I was getting charged late fees even though I was paying every two weeks. Right now I am in the process of communicating with Ditech about my apparent late payments, which they say ammount to {$850.00}. Each late fee was {$53.00}, so this amounts to 16 late payments. Since my payments were being made on time every week, I had not looked in detail at my statements, where they were showing erroneously that I had late fees. The company Ditech Financial has since taken down the biweekly payment offering.
07/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ID 83686	Web
I have experienced many issues with Ditech who now has my former Green Tree Financial loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation on XX/XX/XXXX with Ditech that my current home loan with Ditech Loan # XXXX is reporting past due payments on all credit reports. Ditech told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.
02/09/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 11757	Web	Older American
Due to my having to file for XXXX due to a sudden XXXX of my XXXX XXXX from XXXX XXXX for XXXX XXXX, & now experiencing XXXX XXXX XXXX in my XXXXXXXX XXXX XXXX XXXX ; I sought modification relief on my home of 38 years with my first lender, XXXX XXXX starting in XX/XX/XXXX. I was granted a modification for that loan in XX/XX/XXXX, & have maintained an excellent repayment status. Subsequent to receiving a modification on the 1st mortgage, I immediately applied for modification on the 2nd one, with Ditech, then GreenTree, then back to Ditech again. The interest rate on that loan is@ 8.5 % ; and Ive had the loan since XX/XX/XXXX. For the past two years, I have submitted several loan modification applications, have spoken to my local Housing Partnership service, have acquired a lawyer from my county law service, & have had a hearing in our county offices regarding resolution. Ditech consistently loses the applications, lets them 'age out ' so they expire, & has attached thousands of dollars in legal fees & late fees resulting in the loan being nearly doubled from its origination. After the hearing in XX/XX/XXXX, my lawyer emailed, & then mailed all the info they asked for. Now my lawyer says they let yet ANOTHER app 'age out. ' This is the ONLY blemish on my credit report. Please, please help me resolve this problem.
06/06/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95829	Web
Company : Ditech a XXXX Company Amount : {>= $1,000,000} Action Taken : I called on XXXX/XXXX/17 spoke to XXXX, called on XXXX spoke to XXXX, requested to speak with a supervisor and was transferred to XXXX ( ID # XXXX ). XXXX informed me on XXXX/XXXX/17 that she would return my call within 24-48hrs to answer 5 specific questions regarding my mortgage account, and the {$18000.00} funds sitting in an applied account. I received no call from Ditech and/or XXXX. I received a door hanger from Ditech on XXXX/XXXX/17 with an URGENT request to contact the company to discuss my account. I called the number listed XXXX XXXX XXXX XXXX, on XXXX/XXXX/17 at XXXX and spoke with XXXX XXXX There was a note in the account that if the customer called then I was to be transferred to an extension. After 15min, the phone range 100+ times and NO ONE ANSWERED. I requested funds be applied to the principal on several occasions and according to XXXX and XXXX " the system reversed the funds and applied them to the loan and not the principal '' even though they were extra payments and money that had been sitting in the unapplied account. Now that the account is up to {$18.00}, XXXX I can not get solid answers and action from Ditech. I am concerned about these preditory lending practices and the effect it will have on me and my spouses credit.
02/09/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MI 48219	Web
I filed Bankruptcy, Chapter XXXX in XX/XX/XXXX, the mortgage was included and the mortgage was foreclosed XX/XX/XXXX and a Sheriff Sale was held. Since that time Ditech Mortgage has sent me monthly statements with the deferred portion of the mortgage owing with additional charges added to the deferred portion of the mortgage. I have called them repeatedly about these statements to no AVAIL. Ditech claims these notices are for informational purposes. My concern is if, I am able to REEDEM the property, Ditech will place a lien on the property for the deferred portion of the mortgage. The total dollar amount of the mortgage balance was {$67000.00} the law firm of XXXX., XXXX XXXX MI, XXXX. Their phone # is XXXX. This mortgage was modified with XXXX. XXXX XXXX, as trustee for the certificate holders of the XXXX inc., Asset-Backed Certificates Series XX/XX/XXXX-XXXX, listed for mortgage sale. The modification was for an ARM. {$56000.00} the principal balance and {$16000.00} of the principal balance to be deferred for approximately 21 years due in a balloon payment. Ditech was not known to me until the court hearing and Ditech appeared in court to contest the stay of the Foreclosure Sale on XXXX. At this time I have received monthly statements from Ditech Mortgage. Is this a form of intimidation? Was this a MERS mortgage?
01/01/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	TX 76051	Web
We had a legal and binding contract for the purchase of XXXX XXXX XXXX XXXX tx XXXX. We offered well above asking price on the short sale purchase. The contract was accepted by the homeowner and Ditech, the third party lender. After selling stock for the down payment and paying out of pocket for home inspections, XXXX weeks prior to closing, Ditech closed the file. We could not understand what happened as they made a phone call to our realtor to say the file has been closed and they 're pulling it off the market. We were willing to close early if a closing date of XX/XX/XXXX was an issue and we were also willing to pay more then our excepted offer by another XXXX. After excepting an offer and being in a legally binding contract for the sale of this home they were unwilling to negotiate at all on good terms. we feel this was done under handedly after paying out-of-pocket for something and they should have never excepted an offer in the first place if certain numbers in limits were in place for them to go by the fact that they excepted the offer to begin with they should 've uphold their word and legal binding contract to continue and finalize the sale of this home. Please file a complaint against Ditech for bad business and having backed out of a binding contract. Contact us if there can be resolution. XXXX XXXX XXXX
01/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60073	Web
I filed an insurance claim an submitted all documents to mortgage company. I called in XX/XX/XXXX to advise work completed. The representative I spoke with Advised to send in pictures and lien waiver to close the claim. I did ask a few times if an inspection was needed and advised no. On or around XX/XX/XXXX, I received a call asking for repair status. I advised what I was told back in XX/XX/XXXX. The representative advised an inspection is needed. I said to request one. I called in today asking for a supervisor to have the call reviewed and asked for explanation as to why wrong information was provided. The supervisor I spoke with, XXXX, was very short and did not want to assist. Said that the " bottom line is inspection is needed. '' I agreed and said I have no issue with that but wanted call reviewed due to misinformation. The supervisor said " yeah, I 'll have c/s pull it '' I asked for a follow up and manager name. XXXX advised I could not speak with the manager nor could a name, number or email be provided. I work in the same industry and in the same type of roll. I felt very unheard and treated like I knew nothing and there was no time to assist me or willingness to review the call for an explanation. I now have my contractor calling day for payment I ca n't provide due to this hold up. Thank you.
10/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	WA 993XX	Web
I 've never been late on my mortgage payment. My XX/XX/XXXX payment I paid {$2600.00} which was an extra {$50.00}, which they applied to principal. In XX/XX/XXXX there was an escrow adjustment and my payment of {$2600.00} was {$25.00} short, so they did not apply any of my payment, reporting me 30 days late. In XX/XX/XXXX I paid {$3000.00}, covering the {$25.00} short, plus their {$89.00} late fee. On my credit report it shows I was 30 days late. However my due date is XXXX and they reported me at the end of the month, which is not 30 days. In addition I asked them to considered I 've always paid on time, usually more than the payment, that it was {$25.00} short. I also asked if they could reapply the extra {$50.00} from XX/XX/XXXX to XX/XX/XXXX to cover escrow and then reapply my XX/XX/XXXX payment. They claim by law they can not do that, will not escalate my calls and frankly this is not a black and white issue. I 've talked to a number of financial institutions and DITECH has options to help me, I gave them an easy method to reapply payments, but they just choose not to do anything to help out a long time customer. They have a very rude customer service. My credit score which was well over 700 dropped by 50 points. I 've worked hard on my credit and I find this very unfair and any reasonable person would agree.
04/12/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 318XX	Web
Ditech continues to miss manage my account with them. My husband received a call 2 weeks ago stating we owe the company 'Advance Fees ' from XXXX from the previous Servicer ( Greentree ) & when can we settle that payment. I informed my husband that was not the case and why do Ditech continue to call and harass us? there is currently a cease and desist order against them on my account. My argument is this, the year is now XXXX Ditech claim they have outstanding 'Advance Fees ' on my account from XXXX, approximately 5 years in the past. Why all of a sudden Ditech is moving ahead to collect these fees when they were no such fees listed on my account until recently. Did Ditech somehow pull these bogus fees out the air?? I am gravely concerned about Ditech 's unscrupulousness business practices and how Ditech continues to miss apply my payments and make up fees that are unsubstantiated. I have been making on-time payments to Ditech every month these payments are withdrawn from my bank account. However, Ditech continues to harass me with bogus advance fees, this has greatly affected my health as my over all well being. I expected Ditech to be a company who values their customers and not to threaten them with evictions or repossession orders. Especially when their customers are making their payments on time and accurate.
11/18/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	FL 32738	Web
I am attempting to refinance my Ditech mortgage. During the title search process it was found that Ditech reported a second mortgage dated XX/XX/19 for {$0.00} XXXX XXXX # XXXX. I do not have a second mortgage with Ditech just my primary. I have been contacting Ditech since XX/XX/19 and have not heard back on the status of my inquiry. I ask that they remove this second lien on my title and that they provide me a written letter stating the details of my one and only mortgage with them and that this second XXXX lien was reported in error. I reached out to HUD to review this information and they stated that they have no record of any loan on my property or in my name as my loan with Ditech is a conventional loan and not an FHA backed loan. I am trying to get a leaky roof repaired ASAP with my cash out refi that I am seeking and now have gone months with no request and the water leakage is causing more unnecessary damage and there is no one that Ditech allows me to speak to regarding my inquiry. They just ask me to fax in a letter and I will get a response within 30 days .... well it has been 3 months and I have not gotten any resolution nor has a manager reached out to me about this ongoing issue. They are in effect, holding me XXXX and causing more unnecessary damage to my property due to their nonresponsiveness.
02/13/2019	Yes	Mortgage FHA mortgage	Closing on a mortgage	CA 94591	Web
This is against Ditech ... Payment in the amount of {$28000.00} was received on XX/XX/2018 for APN : XXXX ; XXXX ID : XXXX ; XXXX XXXX ; XXXX, XXXX, CA XXXX. The payoff is considered incomplete because payment was received after the XX/XX/2018 valid though date shown on the previously issued payoff statement and the amount was less than what appears on the current payoff statement valid through XX/XX/2018. Enclosed is an updated prepayment calculation showing the remaining amount due of {$210.00} to complete the payoff by XX/XX/2018. If the HERO Assessment is not paid off, the remaining balance will be re-amortized and collected via the property tax bill. As the consumer I was not made aware that the Hero Loan was not paid in full, I was under the impression as per the T & C of the refinance that the Hero Load was paid in full, which it was not. Ditech then sold my loan to a loan holder who I did not even make a payment to as they sold it to XXXX XXXX, when I contact XXXX XXXX they informed me that they had nothing to do with this re-fi, that I would have to contact Ditech, Ditech told me that there was nothing they could do about it. I have now requested a payoff amount from XXXX XXXX to find out what my current balance is on this loan that should have been paid off per the T & C of my re-fi by Ditech.
02/02/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30310	Web	Older American
This is an official complaint against Dietech Financial in conducting an illegal and wrongful foreclosure action on said property on the alleged date of XXXX XXXX, XXXX, in which I believe was backdated to legitimize the sale. During the merger between Ditech Financial, LLC and Greentree Servicing, LLC, there was no effort by the above entities to offer any resolution or modification. Neither party provided me with any remedies or provide any full disclosure of the loan transaction. It is my contention that no sale took place on XXXX XXXX, XXXX. Prior to execution of any Deed Under Power, the law-firm retained by Ditech Financial told me on the telephone that the Sale of my property was cancelled. Besides the failure to provide any remedies or working out any resolution, Dietech and Greentree failed to adhere to CFPB 's new servicing rules : Failure to adhere to rigorous servicing transfer requirements Failure to comply with mortgage servicing rules Failed to engage in efforts to preserve home ownership Failed to address any redress and Grevances Allowed the merger to maintain and sustain consistency with CFPB rules Failed to provide adaquate notice to the homeowner. Failed to provide full disclosure to XXXX of the loan transaction and underwriting of the loan I filed a Notice of Rescission pursuant 15 USC 1635.
06/30/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 923XX	Web
We lost a house in XX/XX/XXXX. We had a HELOC on it. The HELOC sold the debt to Green Tree Servicing recently and Green Tree has parked the old debt on our credit report stating the date of last activity was in XXXX. We have not made any sort of payment on this debt since early XX/XX/XXXX when we started to loose the house and were negotiating with the XXXX lien holder to try to modify our home. I 've disputed the debt with Green Tree. The statute of limitations on this debt was 4 years and the 4 years passed in XX/XX/XXXX. We were never sued for this debt and no judgements have been issued. We have not made any payments on this debt since XX/XX/XXXX. Our true date of last activity was sometime in XXXX or XX/XX/XXXX. This is more than 7 years old and should no longer be shown on our credit report. The foreclosure from the XXXX lien holder is no longer showing on our report. Green Tree is trying to Bully us into paying an old debt by reporting to the credit agencies that it is more recent than it actually is. I have disputed it with Green Tree and they just sent us paperwork from the original HELOC and the date the HELOC was charged off by the original creditor. Green Tree shows copies of letters sent, however, we never received them. If we did, we assumed they were credit offers and shredded without opening them.
07/31/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	AL 360XX	Web
Please see CFPB complaint XXXX which has been closed and still unresolved with Ditech. The letter that you received from Ditech is a total lie. I have received NOTHING from Ditech except 2 certified collection letters on XX/XX/2019 and 2 of the same in direct mail threatening foreclosure. They HAVE NOT posted my {$15000.00} as a payoff and still show that I owe over {$12000.00} as a balance on the account with them. They have stolen from me for 19 years including collecting mobile home insurance payments that they did not forward to my insurance company and that I again had to come out of pocket to pay to keep my insurance from lapsing. I have my payment history from my insurance company and DItech showing that they collected ins. payments for a year and 4 months and did not pay my insurance with it. The title that they sent to you IS NOT released and these papers that they sent to you are JUST COPIES of my original contract and NOTHING more. They refuse to talk to me and have NEVER tried to to the right thing regarding this settlement agreement. THEY STILL are fraudulent pulling the wool over your eyes as they have always done to me and many many others customers who are filing suit against them as well. The whole company is nothing more then a bunch of crooks who has stolen my life savings from me this time.
09/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 070XX	Web	Servicemember
I formally requested that Ditech begin the process to remove the PMI from my mortgage in the beginning of XXXX 2015. XX/XX/XXXX I was contacted by a third party appraiser to schedule an appraisal and a few days later they informed me that my lender canceled the request. Since then, I have called Ditech around 8-10 times to follow up as to what exactly happened and each time the customer service acknowledges that there was some kind of issue which could not be explained but they were escalating my case to begin this process again. As of XXXX XXXX, I have not had any resolution and I have not been contacted by anyone to schedule an appraisal or by Ditech to continue this process of PMI removal. According to the standards of my mortgage, I satisfy all the requirements for PMI removal, yet Ditech seems to have done everything they can to prevent this from happening. At first it seemed negligent, but now it is clear that it is fraudulent. I have been paying PMI for 3 months longer ( and possibly more moving forward ) than I should have and I have adhered to their standards throughout this process. I have no resolution as of XXXX XXXX 2015 and after calling customer service today, I been told the same thing, that my case was moved to the escrow department and I should hear from someone in a day or so. But I never do.
10/03/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	IL 60164	Web
We had a 2nd mortgage which was sold several times and ultimately was sold to XXXX XXXX. During the recession XXXX we applied for mitigation of the second mortgage with them because our home was underwater ( still is ) and we were being harassed by telephone, mail and even had their representative come to our house several times and threated my mother in law. I filed a complaint and the harassing stopped at which time the mitigation was addressed and we made one final payment and the balance was forgiven as the mortgage company was given federal funds to settle cases like ours. I am extremely upset at this resurfacing 7+ years later through ditech which has been non responsive and disrespectful not acknowledging the fact that the 2nd mortgage was released by XXXX XXXX so many years ago. This has resurfaced and ruined my credit. We have made several attempts via calls and correspondence to communicate with Ditech Financial, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX account # XXXX As a consumer we have no control over the secondary market selling bad paper to companies like Ditech . XXXX XXXX sold our closed 2nd mortgage file to Ditech for pennies on the dollar and now they are ruining my credit and harassing us to acknowledge a debt we do not have for a 2nd mortgage on a house that is XXXX underwater.
05/08/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76016	Web
I have been struggling to finalize a loan modification with Ditech for 3 years now. I also filed a claim here XXXX XXXX # XXXX. Ditech has processed 3 modifications that were errored, collected undue late fees, incorrectly reported by interest paid in XXXX and continuously reported our mortgage past due when we have not missed a payment since the modification process. For a period of 3 years, they have harassed us with calls ( even after being asked to stop ) and cause extreme stress and efforts in trying to correct this. Even during the death of my son ( XX/XX/XXXX ) we had to endure the stress of Ditech inappropriately and inaccurately handling our mortgage process. I have spoken to them numerous times with no success. Their most recent action was " selling our mortgage '' to XXXX as delinquent ( 351 days, {$22000.00} ) when they promised they were in the process of final corrections before selling our loan. We have escalated the issue with XXXX but are facing foreclosure on our home of over 20 years. I will attach all previous contacts, complaints, statements and communications with Ditech. Ditech deserves extreme repercussions on handling our account as well as we feel they financially owe us. Currently, we are just trying to save our home and bring it current as well as fix our credit reports. Thanks!
08/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 480XX	Web
On XXXX XXXX my mortgage company, Ditech, completed my escrow analysis and showed that I had an overage of {$160.00} and that it would be paid out in 5 business days. I have not yet received. I contacted Ditech in XXXX, via phone, and was told they had implemented a new system and it was preventing the checks from being sent out, that it would be sent in 10 business days. I contacted Ditech twice more via phone, every 10 business days and kept getting the same explanation. I have not yet received the overpayment. As I was getting nowhere via phone, I contacted Ditech via their messaging system on XXXX XXXX and again XXXX XXXX in response to the same issue. I have received letters from Ditech stating they are looking into it. Ditech sent me the letter stating they were going to send me a check, I am not sure what they are looking into? I have also requested, via their messaging system, that they no longer send me anything regarding refinancing, that due to their inability to process an escrow overage check, I have no interest in refinancing with them. Ditech continues to send these notices. I am hoping someone can review this information and get Ditech to issue my overage check and quit mailing me the refinance letters. They have wasted more money on the refinance letters than had they just sent my check.
04/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	MD 20850	Web	Older American
I am in the process of Mortgage Assistance Application expecting the the mortgage servicer, the Ditech Financial , LLC, will complete this process and recommend one of few solutions to help me with mortgage payments due to a temporary financial hardship occurred because of the disastrous events happened with my property without our role in it - only a liability as the owners. Today, XXXX XX/XX/2019, I receive a surprising letter from our mortgage services, printed on the CFPB template " Loss Mitigation Acknowledgment Letter _ Complete LMA Retention '' is changing the Mortgage Assistance Application into never asked Loss Mitigation application and asking for Retention and a completely different schedule of payments. Prior .representatives of the Ditech Loan Modification Department , 5 times, when we were adding information to the Mortgage Assistance Application, have agreed to put hold on regular payments of the mortgage due to the special circumstances in this case. The current change will create a necessary burden of additional {$10000.00} which should be removed and the today 's letter retracted. I understand that Ditech Financial LLC is in financial problems ( bankruptcy chapter XXXX filed recently ) but misleading customers to collect unearned profits is not a legal manner of solving their problems.
09/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60559	Web	Older American
My original complaint # XXXX was sent to you on XXXX/XXXX/16. Thank you for your response today. A lot has happened since then. They have all monies from me owed to them by the date they wanted it. They had my money since XXXX/XXXX/2016. My 1st complaint to you was XXXX/XXXX/2016. They will not apply my money sent to them. It is now XXXX/XXXX/2016. Foreclosure has not been started yet. Since they received my money on time they can not by law do anything but accept my money because Illinois is a judicial state. There are recorded phone calls from customer reps and managers that told me they have the money and on time. The are giving me the run-a-round and not applying the certified checks they received. Every time I call I get a different customer rep with a diferent response. They even hang up on me. I checked with my county courthouse and no papers have been filed with them. I checked all local newspapers in my area and no legal notices have been posted yet. These are legal procedures that mortgage companies or collection agencies have to do if the property is located in the state of Illinois. There are over XXXX bad reviews on the internet for Ditech /Greentree using predatory lending and collection procedures. They need to be stopped. They need to be forced to apply my checks and make my account current.
06/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27529	Web
The financial company ( Ditech Financial LLC ) acquired my mortgage, so I am not familiar with the company. They received and processed a payoff on XXXX XXXX, 2016. I have received from Ditech my escrow analysis statement dated XXXX XXXX, 2016 and received on XXXX XXXX, 2016 which shows the overage and escrow amount due me in a refund of {$3200.00}. I have also received a statement of recorded satisfaction or release of mortgage dated XXXX XXXX, 2016. I have not received my refund of {$3200.00}. I have made four calls dating from XXXX XXXX, to XXXX XXXX, 2016. Each time I have been given a different response about my refund. The first response, the check was mailed to me on XXXX XXXX, 2016, so wait a few days. I waited a few days and placed another call, this time I was told the first response was not correct, the check will be sent out on XXXX XXXX, 2016, thirty days after the payoff, I waited, no check, my third call, XXXX again said I should have received the check sent out on XXXX XXXX, 2016. I waited placed another call to CSR, this time it was back to XXXX XXXX, 2016 when the refund was processed and sent out. It has been forty two days ( 42 ) since the payoff and I can not get a straight answer or my refund from Ditech Financial LLC I am seeking your assistance in helping me with this matter. ..
06/24/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11727	Web
When we bought our home, we had XXXX, then XXXX XXXX XXXX, now Ditech We paid our mortgage for many years. When XXXX XXXX became ill we fell behind on our mortgage. Then we were offered a Loan modification and we thought that was really wonderful, but we paid ( 16 ) loan modification trial payments and each time we paid the required trial payments, we had to start over for some reason, such as the offer that was given us had expired and we had to be put into another loan modification offer. We don't know where the payments went or where they were applied. We constantly paid the trials and waited and waited never receiving the final loan modification documents. Ditech has not been considerate of any of the situation, they have not been easy to deal with. We have been submitting documents and as soon as we sens what they are asking for there is another request with a very limited time to send it in and when you do get the requests in there are more request waiting for you. We have Social Security Benefits and XXXX XXXX has a job ( salary ) and their son contributes and he has a salary. We have sent all of this to them more than once. We certainly would like to know what happened to all of the monies we paid in trial payment to XXXX XXXX XXXX before they sent us to Ditech who fail to research of help us.
05/04/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	ME 045XX	Web
My mortgage company went from XXXX to XXXX XXXX XXXX to Green tree and has been nothing but Inconsistent communication. As I have tried to establish some form of reasonable payment I have been tossed around like trash. If I was given different deadlines and always tried to reach them, leaving messages asked for a return call. It never happened. My payments were anywhere from XXXX down to XXXX and XXXX with ARM of XXXX % interest. This has been all over the place from the start, My home has been underwater for some time now, My husband and I have even walked from the home after filling Bankrupsy back in XXXX and returned after a year and half when given false hope the bank would work with us, not to mention the company that they had monitoring our home when we left, appeared to have taken all the copper piping. When Green Tree sends you paperwork, often you will recieve several copies from basic mail, XXXX, Certified. With messages to call, or will have unidentified people walking around your house snapping pictures and leaving notes on your door to URGENT! call Green Tree, and when you do, end up leaving messages with no return. I do n't want to loose my home, but this company is not really there to help. This process has taken my trust, my money, my serenity, with no desire to help ones that need it most.
06/09/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92555	Web	Older American
I paid my XXXX bill on time. The escrow in the account was just re-evaluated and I sent in the incorrect amount. I paid {$820.00} when I should have paid {$870.00}. This is totally my fault that I did not put the entire amount correct due to the escrow change. My contention is that the mortgage was paid the other amount goes into an escrow account until needed. They sent information to the credit companies stating that I did not make a payment. I clearly made a payment but I have been treated as if I had paid nothing. This was clearly a mistake on my part. The problem is being treated as if I did not even attempt to make a payment. As a result, m y credit score has dropped by XXXX points. I have asked that they send a retraction to the credit companies and they will not do so. I do not know if this is a federal regulation or if this is company policy from my Ditech my mortgage company. I need more help than just a supervisor saying no we did not receive the entire amount and I ca n't help. I work hard to impro ve my credit score and this has destroyed it from a very good score down to a average score. I do not have the choice to p ay my taxes and insurance on my own, and do not have the choice of changing my loan servicing company. At this poin this is what I would like to do.
01/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60657	Web
1. We opened a mortgage in XXXX. 2. Between then and XXXX, we made escrow payments totaling {$4600.00}. 3. We asked Ditech to close the escrow account in XXXX. 4. They closed the account in XXXX and refunded us {$1500.00}. This means they still owe us {$3000.00}. 5. On XXXX XXXX, we sent the following letter : Hi, Thank you for closing out my escrow account. In reviewing the documents associated with my escrow account close-out, I believe that you refunded me too little money. You refunded me {$1500.00}. My calculations in the attached spreadsheet show that I contributed {$4600.00} to this account. Please promptly refund me the difference of {$3000.00}. Thanks, XXXX 6. They wrote back a letter which I have attached below. The letter says " Enclosed, for your records and review, is a copy of the HUD-1 Settlement Statement. Please be aware that this statement does not reflect taxes being paid during the origination of this loan. '' 7. Ditech 's second sentence is factually incorrect. The first line on Page 4 of 4 in the HUD settlement shows that we paid {$6800.00} for " 2016 2ND INSTALLMENT TAXES XXXX to XXXX XXXX FOR 2016 TAXES '' at the closing. XXXX XXXX XXXX XXXX XXXX paid our property taxes and refunded us XXXX on XXXX XXXX. This refund posted to our account on XXXX XXXX, see attached. )
11/02/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	IL 60164	Web
I am upset with the way Ditech has handle my loan. I have applied for a modification since XXXX XXXX. I faxed all the additional documents that were requested by Ditech and have yet to hear from them. I honestly thought I was being helped but I have been deceived. On XXXX/XXXX/2016 I spoke with agent XXXX Id # XXXX from the loss mitigation department and was told there were no new notes regarding my loan and that it was not yet with the underwriter. This was a major shock for me because I have done my part and provide everything I was asked for. Ditech has prolong my case because I am current on my mortgage payments. I had to escalate my file and spoke with manager XXXX ID # XXXX on XXXX/XXXX/2016. I told him my concerns and he reassure me that he was going to notate my account so when I call I can be provided with an update. I called today XXXX/XXXX/2016 and spoke with agent XXXX ID # XXXX. She just told me about the conversation I had with XXXX on XXXX/XXXX/2016 but again there were no new updates available At this point I am more than sure that Ditech is purposely prolonging my case so I can keep making the high mortgage payment knowing that my home is severely under water. I want my loan to be review based on the current value and my monthly income. Please considered me for the My City modification.
01/14/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	LA 71202	Web
On XX/XX/XXXX I paid {$16000.00} to Ditech after I was told in front of witnesses that my balance was about {$13000.00}. I knew that I owed a fee from the past so I overpaid them thinking that I was going to get a refund as I had before when I paid my house the 1st time. Time had past and I contacted Ditech about refund and paperwork on my house stating that my house was paid in full but instead they told me that I still had a balance. I didn't understand and no information was given to me due to the fact I was in bankruptcy. I check on my account every day to check the balance and it showed that I paid {$16000.00} but they would not apply the funds to the principal amount instead they kept it in suspense and would not apply until a year later XXXX. Now they tell me that I owe over {$17000.00} what in the XXXX is going on. Nobody can explain to me what all the new fees are for and my house is in foreclosure. I feel that they did not apply all my payments to my account. I see a XXXX balance and now neg and don't know where they came from. Now XXXX has my account and they are confused. Money was added to my account. Please Help me. When I requested my payment history they would never give it to me until they sold my account. I guess they didn't know I knew my rights. Everything on my account is mess up.
12/30/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11510	Web
I called Ditech Insurance Company about my account and over due payments on XXXX XXXX 2017, to get my account up to date. I called and spoke with a Rep regarding options I may have. my account has been mis-management by this company on several occasions and this time has taken the cake. I told the Rep that I have approximately {$2000.00} in an account labeled unapplied funds. I told the the Rep that I would like these funds back and I would put it together and make up the difference so that it will be a full payment for the month. She said she would put in a request and that I should the funds mailed to me in 3-4 days but that because of the holiday 's it might take a little longer. She also said she does not know if they would honor sending the money back to me because my account is past due. I told her that that 's my money that Ditech is gaining interest from that money in the account and it not even being applied but every month I 'm assessed a penalty which has been going on for 4 years. I told her that I will take legal action regarding this holding of my money and not returning it to me and illegally gaining interest and not applying it to my account. Plus, I am assessed lates fees. If there 's any company that should be investigated it should be this company for the illegally practices they do.
04/09/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MT 590XX	Web
I requested my paper work on XX/XX/2019 for my pay history and also for my payoff .I have two remaining payments on my home that I have all the paperwork for but ditech refuses to send me my paperwork .Ditech says we owe 5 more payments .But I have received letters from them stating totally different amounts so that is why I requested my payment history from ditech I have called so many times asking them where my paperwork is and every time they give me lame excuses.I have made all of my payments to them to date we even over payed them ..I have all my paperwork to prove this.When I have called them about where my paper work is within three or four days later we get a letter from ditech stating our insurance isn't exceptable and we better get it fixed or they will place force their own on us .I have always had my own insurance the whole twenty years { I have all my proof of this } .I am tierd of dealing with real rude and nasty people from ditech .And to top it all off yesterday we got a notice in the mail that Ditech fieled for chapter XXXX for the second time .This company needs to be shut down not given a waver of dismissal for their bad miss handling of company funds.They prey on lower income people and ditech calls us high risk ..how dare they ... they are filing for chapter XXXX AGAIN..thankyou
09/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 38016	Web
I was in the HAMP modification starting XX/XX/XXXX. Part of the program involves the issuance of incentive payments to the borrower. XX/XX/XXXX, the department of treasury issued a new bonus incentive program for borrowers who had successfully remained in the program for 6 years. [ Treasury Supplemental Directive 15-01 provides that borrowers with GSE HAMP Loans are eligible to earn a {$5000.00} pay for performance incentive as of the sixth anniversary of the HAMP trial period plan effective date ( Sixth Anniversary Date ) ]. The servicers were required to notify borrowers of their eligibility for this bonus within 120 to 60 days of their anniversary date. The problem is that Greentree/Ditech sent me a letter dated XX/XX/XXXX that was received XX/XX/XXXX, less than 30 days before my anniversary date. Prior to the receipt of this letter, around XX/XX/XXXX, I had called Greentree/Ditech and asked them if their were any incentive payments due on my account. I was told " No ''. Based on that information I proceeded to close on a refinance that funded on XX/XX/XXXX. I 'm now being told that I 'm no longer eligible for the incentive bonus because of that refinance that could have been avoided if Greentree/Ditech had fulfilled their obligation to inform me of my rights in a timely fashion as was their duty.
05/22/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 77062	Web
On XX/XX/XXXX I closed on my first home. At closing, the projected payment for escrow was based on the previous owner 's exemption status of Over-XXXX, XXXX. Due to her exemptions, she was 100 % exempt from county and city property taxes and paid {$0.00} taxes. Clearly, I'm not over XXXX and XXXX and these taxes were not accounted for in my new escrow account, despite the tax certificate documentation. The lender did not accurately disclose my tax liability and deceived me to qualify for an FHA loan. In XXXX XXXX, I received an Annual Escrow Analysis from my current loan servicer citing a severe escrow shortage of {$6800.00}. My mortgage went up from {$1500.00} to {$2400.00}, a monthly increase of {$950.00}. I retired on XX/XX/XXXX and am on a fixed monthly pension of {$3100.00}, but now I've defaulted on my loan facing possible foreclosure. However, I am under review for a loan modification. My current mortgage is {$1100.00} for PI and {$1100.00} escrow for taxes/insurance. I am paying almost as much for my escrow as I pay on my loan. There's something inherently wrong with that. As a first time home buyer at closing, we expect the professionals to do their jobs, with truth in lending. I was deceived and totally unprepared for this massive shortfall that has impacted every facet of my life to date.
03/17/2018	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 08028	Web
There has been a serious and ongoing issue with DiTech. When applying for a loan modification, DiTech advised on XX/XX/XXXX that the application went to underwriting. Throughout the process we have provided documents and clarification in a timely manner as requested by underwriting. On XX/XX/XXXX we were advised that the package was deemed complete and we needed no further explanation or documents on our end. From that day on, we called almost every other day for updates on the package. We were advised on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that our package was complete, being reviewed, and was still in underwriting. On XX/XX/XXXX, we were told that this case was being escalated because we should have had an answer by now. Then, on XX/XX/XXXX we were told that DiTech was still looking into it. Finally, on XX/XX/XXXX, the home was sold to a sheriff sale. Why is it that no one at DiTech was able to advise us of a sale date? DiTech gave us the impression that the modification package was not only complete, but actively being reviewed with underwriting. This is someones home and DiTech obviously does not do their due diligence to ensure people are being properly taken care of. We could have taken the proper steps to prevent this had our lender, DiTech, done their job.
11/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33543	Web	Older American
I have resided in this home since XXXX, I fell into some financial distress in XXXX after struggling I filed for Chapter XXXX Bankruptcy in XXXX. The Bankruptcy was discharged in XXXX, I continued to pay my mortgage after the discharge. I sought Counseling from an agency to try and obtain a modification of mortgage. I was successful in getting the XXXX of XXXX, to assist me in obtaining a favorable modification of mortgage in XXXX XXXX when the agreement was signed and submitted to Green Tree Servicing. I have Repeatedly submitted my Re-affirmation of the mortgage debt to Green Tree XXXX ( XXXX ) times to be exact and I can not get the servicer to update their records and report favorably to the credit bureaus. I started this quest at the beginning of XXXX we are at the end of XXXX and Green Tree continues to give me the run around. Claiming once they lost the paperwork, I have mailed the re-affirmation including by certified mail. I can not take Green Tree 's lack of acknowledge to continue to destroy my credit profile. I pay my mortgage on time every month and yet I have not been getting any type of compensation for the mishap Green Tree is causing me. I desperately need from CFPB or anyone on my behalf to intervene and enforce Green Tree to Update their systems with the Reaffirmation of the Debt.
01/09/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KY 427XX	Web	Older American, Servicemember
Chapter XXXX Bankruptcy filed XXXX XXXX This was discharged-XX/XX/XXXX, Public Info on the credit reports state to be removed XX/XX/XXXX. Initial Loan was thru XXXX XXXX as second mortgage, XXXX XX/XX/XXXX, last active XX/XX/XXXX. Payments were made to XXXX by the court starting XX/XX/XXXX til XXXX XX/XX/XXXX. I remember receiving a letter from the court concerning this account but dont remember the contents. Amt {$5200.00}, Int {$1000.00} paid by Court to XXXX. Started seeing Greentree on credit reports, then it became DITECH. An XXXX credit report dated XXXX XX/XX/XXXX showed info as being DiTech and charged off XXXX XX/XX/XXXX. " Date Major Delinquency First Reported was being XX/XX/XXXX ''. I believe they manipulated the date by " backdating '', or " re-aging '' to report this account longer as then it justifies them to continue to do inquiries on my credit reports as a creditor. According to a credit report by XXXX dated XX/XX/XXXX they requested information dated XXXX XX/XX/XXXX. I received a letter from DITECH, dtd XX/XX/XXXX, " this communication is from a debt collector '' at the bottom. Today, my husband received a call from XXXX, per websites, that this is a collector from DITECH. We are both now retired, age XXXX and drawing social security. Lost home thru foreclosure. SOL is 7 years
03/28/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 94539	Web
I am a customer of Ditect Financial LLC and I have a mortgage loan with the company. I have been regularly paying off my monthly bill without any delay every month. And I have been doing this through a standing instruction through my bank. In the month of XX/XX/XXXX, my premium increased by {$28.00} from a monthly payment of {$1600.00} because of an annual rate change. Since I had set the payment method as automatic, my bank sent them the old amount of {$1600.00} which was short by {$28.00} in XX/XX/XXXX. As soon as I realized the problem, I made the additional payment of {$28.00} within 30 days. However, when I received by bill dated XX/XX/XXXX, I was slapped with a late charge of {$82.00}. I called Ditect to explain the situation and requested them to waive the late charge since I thought it was unfairly high and more so because I have not defaulted before and that too it was a genuine oversight which I corrected immediately. They refused to comply stating that the fee was justified. I requested to talk to the supervisor who also declined my request. I am being asked to pay a fee of {$82.00} for a late payment of {$28.00} by about 15 days. Ditech seems to be engaging in unscrupulous and unfair means of collecting additional fees from its customers. I would like the situation to be rectified.
07/17/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30115	Web
Green Tree ( for Georgia ) I paid my {$1300.00} mortgage payment on XX/XX/XXXX, due XX/XX/XXXX, the same amount I always pay. However, escrow caused the amount to change. Therefore, I owe {$34.00} in addition to what I paid on XX/XX/XXXX. XXXX, XXXX called me today, XX/XX/XXXX, at XXXX XXXX., threatened me, said if I did n't pay {$34.00} by the close of business today I would be charged {$54.00} late fee. And it would go on my credit. Why did n't he call sooner? Because he will take my money over the phone for a {$12.00} transaction fee. So I must immediately pay {$34.00} plus {$12.00} payment fee, or be charged {$54.00} late fee. I did n't pay it. He harassed me about next month 's payment, when would I pay that, and it 's not due until XX/XX/XXXX. I make payments usually before the due date each month. Only one number for Green Tree : XXXX -- XXXX, XXXX is rude and wo n't help me, said I would be charged the late fee if the full amount of my mortgage payment was not received today, XX/XX/XXXX. I tried to get a payoff amount, and ca n't get that. I contacted the only other number I could find ( refinancing ) and they would n't even help me with a payoff amount! They hide like mice behind one phone number with very few options. Also my social security number is never recognized by this loan.
07/22/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 766XX	Web
To whom may concern I am emailing you today because I received a check in the mail for {$10.00} in regards to the XXXX XXXX XXXX lawsuit that was settled. I am not happy with this settlement I have been put through XXXX these past 5 years trying to find a home because I was forced out of my home and was caused pain and suffering and also went through a financial disaster I have been struggling ever since because of XXXX XXXX XXXX. I'm also very mad because I just found out about this lawsuit with this check I received. I want to know why did it take so long for you guys to contact me that there was a lawsuit against XXXX XXXX XXXX XXXX. I Want more then {$10.00}. I want my life back. I want to file a lawsuit and get allot from these people who put me and family thru XXXX. I was harassed every day 20 times a day. I was told that if I did not pay I was going to jail they were going to have me arrested when I told them I couldn't pay and said I needed to move out in 10 days or I was going to have my possessions garnished. So we were rushed out and they continued charge me mortgage and fees after months of being kicked out. Please help me get my family 's life back. More then welcome to email me back or call me anytime. XXXX XXXX XXXX ( husband ) XXXX Thank you ' Sincerely, XXXX XXXX & XXXX XXXX
10/10/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22192	Web
This is my 3rd complaint against Ditech Loan Servicing. By the time they answer this complaint the home will be on the market for sale. I along with my siblings are the successors in interest of my father 's home. Ditech has been contacted by me several times and my Lawyer as well. My attorney sent a QWR in XXXX and Ditech has failed to answer it. Instead they have forced me to correspond with XXXX XXXX, a Debt Collection Attorney. I have not been contacted by anyone from Ditech. I asked their attorney for a person of contact that I could speak to and he did not answer me. I also asked him if he could guarantee that there would be no encumbrances on the title when it went to close, No Answer! Ditech sent me a statement with attorney fees added to it. These fees are due to the illegal sheriff 's sale that they attempted in XXXX. They have repeatedly Violated RESPA laws and continue to do so. I would like a Qualified Person from Ditech to phone me at XXXX so that I may have some answers to many questions concerning the sale of my Father 's home and his mortgage file. I do not trust Ditech as they have 100 's of consumer complaints as well as filing bankruptcy twice in eighton month 's. I am attaching the file of my QWR and Ditech 's latest statement that was sent to my Father and not me.
09/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 293XX	Web
Greentree XXXX Ditech XXXX representatives call me repeatedly if I am late making even a partial payment. In the past, representatives have harassed and threatened my alternate contacts including my elderly father. My XXXX payment was due on XXXX XXXX, 2015. Because I had made additioanl payments before, only a partial payment was due on the XXXX. A Ditech representative called me on XXXX XXXX. I spoke with her and told her I would include the past due amount with my XXXX payment. Several days later, I had a missed call from Ditech. Yesterday, a different representative called me about the XXXX payment. I told her that I had already spoken with someone about it. She said, " I see where she called you on the XXXX, but I do n't know why. You are my account. '' I politely repeated what I had told the previous caller, but I was in the car so I could not confirm the date of the payment. She asked, " Well do you mind if I call you back later to get a confirmation number? '' I said, " No, that will not be necessary. I would prefer that you designate my number do not contact. '' She became abusive then and said, among other things, that she was going to indicate on my account history that my account was two months past due. The payment was made on the XXXX, so it was actually less than 30 days past due.
04/20/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	NC 28027	Web
I paid my mortgage for the month of XXXX. There were issues with paying over the phone. I mailed in my money order XX/XX/XXXX. I still haven't received the money order back. I have never ever been late on any of my mortgages or credit cards. I was excited about Ditech. However, I see I'm overpaying. I have XXXX children at home and a XXXX in the hospital XXXX XXXX XXXX XXXX. This company hasn't even tried to help us lower our mortgage payment. Now they reported we are 30 days late. I strongly believe they reported this late payment to prevent us from refinancing with a new company. My mother and I have never ever missed one payment with any company. My mother had a credit score of XXXX and now it's XXXX. This is such a horrible experience. Even though my money order hasn't been returned. We still paid XXXX mortgage for the second time XX/XX/XXXX. We scheduled another payment for XXXX in hope the money order would return in time. This negative credit report in inaccurate. Also, the company sent us foreclosure documents already instead of asking us what happened. This is very traumatic. Why would we receive foreclosure assistance? Lastly, my kids told me someone from Ditech left a note on the door to call them. This is very invasive. I am very nervous about the mortgage company coming to my home.
10/15/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08755	Web
Statement date XX/XX/XXXX received notice from Ditech of escrow shortage in the mail. Tried to call several times but could not get through due to heavy call volume due to the hurricanes. Statement date XX/XX/XXXX received notice of service transfer from Ditech to XXXX XXXX XXXX XXXX. It clearly states Ditech will stop accepting payments received from you after XX/XX/XXXX. Called upon receipt of the service transfer notice and spoke to XXXX customer service rep # XXXX about the shortage and service transfer. XXXX told me I needed to make no payment until XX/XX/XXXX because of the service transfer and that she was applying undeclared extra funds paid to my account to the escrow shortage, a late fee, and principal. I would send extra money every month thinking it would be applied to any shortages and principal. I requested a statement describing what she had applied to our account. She said she could not provide one at that time. I just received a debt collector notice from XXXX dated XX/XX/XXXX. We make our payments every month and pay a little extra. I pay bi-monthly due to our finances. We did not pay XX/XX/XXXX because XXXX, XXXX informed me NOT TO PAY. We have no idea what is going on. I have not received a bill from the above named new company as of XX/XX/XXXX. Thank you, XXXX XXXX XXXX
08/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76033	Web
Due to a {$0.00} ( cents ) past due tax bill. Green Tree decided that we needed an escrow fund set up on the mortgage payment to pay our future taxes.This raised our monthly payment from {$550.00} per month to {$820.00} per month. We contacted Green Tree to get this removed from our payment but the customer service rep. said this would have to be taken before a review board and they would have to investigate and make a determination as to whether it should be removed. We sent documentations showing we paid the taxes, and that we would continue to pay our taxes ourselves. They evidently ignored these documents and continued on their own agenda. We feel as though the company has been trying for the last few years to steal our home by any means possible since our loan was sold to them without our being notified of the impending sale from XXXX. We would never have gone with this disreputable company. We do not want to pay for an escrow account we have never needed. We feel like they do not listen to us when we contact them, and when they put you on hold to discuss this matter with someone, they are dodging the issue. We sent our XX/XX/XXXX payment in to them and they are holding it and not applying it to our account so we will be behind in our payments. We feel like we are being taken advantage of!
09/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL XXXXX	Web
Ditech has continued to apply my mortgage payments incorrectly on a monthly basis. When I reach out to them, they apologize and make sweeping changes to my balance. Often I wonder if these balances are correct because of how drastic they can be ( several hundred dollars month to month ). The latest fight I have to do is over late fees. The company maintains I paid my mortgage late, but they draft the payments out of my checking account bi-weekly. It is impossible for my payments to be late when they draft it out of my account. When I reported them to the Florida Attorney General, they sent all this paper work trying to justify they were correctly posting my payments on time. I maintain that until I requested a look into the account, they were n't posting my principal payments on time. I still believe that the company miss posts and later makes huge adjustments to my balances ( and I do n't believe my balances are currently correct ). They say they ca n't apply my principal paid via bi-weekly drafts until the full amount of principal is received, but even in a month where they receive three bi-weekly payments ( the second of which would fulfill my full principal requirement ), the company fails to post the principal until the end of the month, at least a week after receiving the full principal.
07/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 360XX	Web
1. Ditech, Financial has repeatedly charged fees that are unexplained fees without adequate explanation. They refuse to speak with me regarding this matter. I am executrix of an estate and have tried to continue the mortgage payments as instructed until the Probate process is done. Letters of Testamentary and other info as requested has been forwarded to Ditech, but they constantly say they do not have the information. However, they accept my checks. Letters from them are confusing and contradictory. Their actions are unsavory and they refuse to cooperate effectively. 2. I am requesting that the account is reconciled to reflect accurate charges immediately. 3. I have several correspondence from Ditech that states late fees, delinquences, content that states changes/adjustments. However, this information is not definitive and change with the next correspondence. 4. Ditech does not adequately sevice this loan. 5. This company shows all indications that their means of operation is illegal. One can not make demands or threats, if they have not adequatly explained what the customer needs. This company is the same as Green Tree that was sued. Ditech should not be allowed to operate period. All monies need to be returned or at least waived until the account is fully corrected and correctly operated.
07/01/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	WA 98686	Web
Hello, I was reviewing my home loan and noticed something strange. The lender is NOT applying any funds I make above my payment to the principal. Instead they are holding those funds in a separate account that I can only presume that is interest bearing, for them. There is a note on my statement that says : " any partial payments that you make are not applied to your mortgage but are instead held in a separate un-applied funds account. If you pay the balance of a partial payment the funds will be applied to your balance. " I looked for clarification and this is what I found : Unapplied Funds Balance. If you send in less than a full payment, this will show the partial payment, which we 'll hold until enough money has been received to make up a full payment. Once a full payment is received, we 'll apply the funds to your account. I have been making payments above my min and my next scheduled payment is in XXXX. I am NOT and have NEVER been behind. Green Tree bought my loan from XXXX Bank and again I have NEVER been in any type of default status. IS it lawful to hold back overpayments? I want to make them apply these funds to my principal immediately instead of allowing them to have a " slush fund '' on the side for them. These " partial payments '' have been in the range of $ XXXX $ XXXX.
04/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43065	Web
Escrow payment went up and I made a payment for the old amount ( accidentally ). I realized the error of my ways and paid the added escrow amount. During the time I made the XXXX payment and the XXXX for the escrow account, the bank did not apply the payment to the mortgage. I called to register a complaint about this practice and the agent put me on hold as he tried to figure out the issue, though I already explained to home what happened. Once he called someone to figure out what I explained, he tried to explain to me what happened, which was not accurate. He said they did not hold on to my payment and not apply. Then he realized the error and explained it correctly. I asked repeatedly to register my complaint and all he wanted to tell me is that is how the process works. I even said I was going to the CFPB and he still would not acknowledge filing my complaint. Throughout all of this he said if a customer makes an overpayment that they will not apply the funds to principal until a full payment is made ( principle and escrow ). Th is not acceptable for a bank to hold on to funds when they should apply to the outstanding balance. It is also not acceptable for someone to have to spend XXXX trying to log a complaint and receive push back from the telephone agent. He made a bad experience worse
02/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92054	Web
An investment property was purchased through XXXX XXXX XXXX XXXX. In Closing, they provided a document titled " Private Mortgage Insurance Disclosure '' that declares that Automatic Termination of PMI will happen on XX/XX/XXXX ( so long as I was current, which I was ). At some point, the loan was sold to Ditech who has been servicing it for several years. Despite numerous calls to Ditech and Ditech even locating this original XXXX XXXX XXXX document ( and then Ditech requesting me to send a copy to them ), Ditech has repeatedly stated that " since they consider it an investment property, they don't allow PMI to stop until the 50 % mark, which is scheduled to be XX/XX/XXXX. '' That's a changing of the terms under which I got the loan with XXXX XXXX XXXX XXXXXXXX. Since XX/XX/XXXX, Ditech has proceeded to illegally collect, keep, and hold {$1800.00} ( to date : XXXX XX/XX/XXXX ) of my money for the purpose of PMI, that was by loan origination with XXXX XXXX XXXX, supposed to automatically terminate. I'd like a refund of this overcollection. I've tried to work through the Ditech Escrow Department several times, and continue to simply get " we consider it investment property, and the PMI will thus be removed on XX/XX/XXXX ''. This is a CHANGE IN LOAN TERMS that I understand to be illegal.
10/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IN 472XX	Web
I have been trying for two years to sell my home. It is a toxic asset and needs to be let go at a short sell at the very least. I also qualify for a deed in lieu due to relocation, which I have twice been denied. I finally have an offer on the home ( first offer in two years ) and was again turned down by Ditech. I have received absolutely no guidance from this servicer on how to handle this home. I have stated repeatedly I am out of time, money and options and need help. Nobody wants to listen because up until very recently I was able to keep the mortgage current. Now I 'm behind and they finally want to talk, but only about my statement. They do n't want to talk about how to get rid of this property. There is an offer on the table. They refused to be of any help in finding out what I need to get XXXX to accept the offer. I 've only been able to speak with my actual account rep twice and she was of little help XXXX times. I ended up bypassing Ditech entirely and contacting XXXX directly where I learned about an additional resource to escalate the process of a short sell. I repeat - there is an offer on the table and Ditech was of no help in getting XXXX to accept it. To say Ditech has been a terrible communicator would be giving them a lot of credit. I am done playing games with them.
05/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91711	Web	Older American
We submitted a complaint about Green Tree Mortgage taking a payment and misapplying it incorrectly and then charging us for late fees and not remedying the situation after we wrote numerous letters. We have NEVER missed a single payment. Green Tree also took out insurance and charged us for it, even though our association has insurance for common areas. We provided the policy, but they continue to charge us for their policy and not refund the money they took from us. They have also raised the payment monthly and then add horrendous late fees even though they get and cash each of our checks. We have been harassed by them since they took over the loan and inappropriately handled our escrow. We can not get this rectified. They are unreasonable and refuse to actually answer the problem, even though they write lots of letters telling us what they did, but not how they cured the problem they created. We filed a complaint previously, but we have seen no relief. Our credit situation is deteriorating. Also, Green Tree refused to modify the loan to a reasonable % -- why should they if they can get nearly 7 % from us? That is their thinking. I am going to be XXXX and my wife is unemployed. This situation has been very difficult for us. We hope you can help. Thank you very much. XXXX XXXX XXXXXXXXXXXX
01/30/2017	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	IL 60634	Web
In regards of Ditech LLC Mortgage servicer Above agency have claimed its jurisdiction over default mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2016 assigned from XXXX In its process Ditech has demand immediately payment of full dept and keep reporting purported dept to all Credit Bureaus regardless to my dispute and dept validation request. In its respond dept validation request Ditech serve me its " validation package documents '' full of multi copy of same documents with not my authorize signature and foremost no security instrument include therein. In this period of time XX/XX/2016 thru-XX/XX/2016 Ditech has also presented them self as rightful assignees of XXXX contrary to its own deed/assignment produced over 3 months later XX/XX/2016. After that time-line Ditech start over its deceptive practice with exact respond and non professional/ignorant conduct dishonor and disregard all my notice of error and request of correction and/or address the issue. During the whole time Ditech also keep change its account agent individuals with valid phone number however none existing and/or unreachable extension number. On XX/XX/XXXX Ditech has produce HAMP/Modification Trial Plan on its own with no my consent and/or request and/or application submitted therein, which is fraud by inducement.
05/26/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	GA 30019	Web	Servicemember
Green Tree Servicing is a horrible company to deal with for loan servicing. Every time I call in I get a different answer to the same question. In addition, their staff must be trained to speak as though they are superior to the consumer. I was transferred to this company via my mortgage company without my knowledge and against my will. I was originally with XXXX XXXX and they were absolutely fantastic to deal with. No hidden fees and payments could be made online without extra charges. Green Tree offers no such options to the consumer. If you want to make a payment electronically, you have to pay a minimum {$12.00} fee. This is passed off as a convenience fee. Convenient to who? Electronic payments are a favor to them not to me. I have no problem sending them a paper check and making them work for that money. It 's terrible that they treat customers, especially new ones, like they are doing me some sort of favor for servicing my loan. XXXX knows, servicing companies come a dime-a-dozen. Hopefully my complaint to my mortgage company will offer me the opportunity to choose another servicing company. If I have to complain every day to someone to get this account moved then so be it. If anyone has a choice for a servicing company, think twice and do your research before you choose Green Tree.
05/12/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TX 77573	Web	Older American
I paid my loan off as agreed with GreenTree Servicing now Ditech Financial 's attorneys. The certified check was cashed on XXXX XXXX, 2016 and I have not received a release of loan and lien on property despite repeated requests. *Please note that GreenTree bought my loan and then began trying to collect on an amount larger than the loan purchased. GreenTree harassed me at my office and was the cause that I was laid off after GreenTree harassing the Vice President where I worked. Even though I mailed my check each and every month GreenTree assessed my account for GreenTree home insurance ( even though I provided proof to GreenTree that my personally paid insurance with GreenTree as a lienhold was in force ), assed penalties, assessed interest on penalties, and other " corporate fees '' not allowed by my original loan. Greentree spent two years trying to foreclose on my home, even though I had never missed a payment ( GreenTree had an account where the payments were held, but not applied to my loan ). GreenTree was trying to foreclose on a home improvement loan of $ XXXX for a house valued at $ XXXX. DiTech 's contact information Ditech Financial LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DiTech 's Attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
09/19/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	UT 84117	Web	Servicemember
On aproxamatly XX/XX/2019 Ditech changed my account # from XXXX to XXXX at that same time I sent in a payment for more than the minimum amount which Dirtech failed to properly credit to my account they have both admitted the error and gave asurances that they would fix it and that many other customers were experiancing similar problems. I have called Ditech at least 10 to 12 times over the last 6 months to try to get them to do their job and fix their mistake with no success. Ditech continues to harass me with automated phone calls and coraspondance and have imposed severe penelties by increasing the minimum payments due and raising my interest rate. I have continued to make monthly payments in amounts more than the original minimum due at the time of the account # change. Ditech has recorded all the conversations as well as I have noteded the dates and who I spoke with. I have sent Ditech on two occations a Qualified Written Requist which they said they would respond to but they have failed to do so in spite of Ditech informing of dates that they would do so. At this point I feel that there is a high probablity that Ditech has violated both State and Fedreal statutes particulary the fair debt collection practices act. I have also sent a letter with my last payment again no response.
08/27/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 150XX	Web
We have been with Ditech for a couple of years. In XX/XX/XXXX, we submitted papers to loss mitigation to lower our payment. We then found out certain documents were missing. We then resubmitted in XX/XX/XXXX. Every time we would speak with a different representative, then get different information. We would submit a document they needed then not hear from them, then I would call to make sure everything was fine then they would need something else. It is now XXXX XXXX, 2016 and I can not get a representative on the phone. We have called for two weeks and when I say representative it switches to that extension then says I have read an invalid number. So I have sent three emails to ditech explaining I cant get a person on the phone so that I can ensure my paper work is fine. Their response is to call the same XXXX number. Which I in turn do and still the same recording occurs. I have also called the department of ditech that is taking loans so that I could speak with a live person- after speaking with them they switch me to correct department and the same thing happens ... .you have reached an invalid extension. No one from the company calls my house, cell phone or work. I can not reach a person to speak with about my account. It is the most bizarre experience I have ever had. Plaese help!
09/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 53225	Web
On XXXX/XXXX/15 I authorized a mortgage payment over the phone to XXXX for {$650.00}. I had an electronic payment scheduled to them on XXXX/XXXX/15. Due to my mistake I thought I cancelled the electronic payment but it was n't cancelled. XXXX received XXXX mortgage payments from me and should have only received XXXX the phone authorization.I have been attempting to get the one for {$650.00} returned. On XXXX/XXXX/15 at XXXX central timeI faxed the information I was instructed to fax to a supervisor name XXXX. I was told to call Tuesday XXXX/XXXX/15 to checkthe status. As of XXXX/XXXX/15 I have yet been able to get a reply. I have called 3 times a day since XXXX refaxed the documents to XXXX XXXX/XXXX/15 XXXX On XXXX/XXXX/15 on my XXXX call of the day I was told they needed a letter from my bank stating the XXXX payments were paid and would not be returned by the bank for insufficient funds. The letter was faxed from the XXXX branch manager stating this and payment to XXXX was cleared and paid. This was faxed to XXXX at XXXX pm on XXXX/XXXX/15. I called 3 times today XXXX/XXXX/15 and each time all customer service did was continue to send emails to the supervisor on my behalf asking the status of the payment being returned to me.She does not respond and has n't since this ordeal started.
04/17/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CO 80920	Web
Mortage was sold or transferred to greentree servicing and they added {$5000.00} to the loan. I do n't feel this is right. They also have my XXXX mortage and the payments went up with out notice and I never got notice the XXXX mortage got transferred or any paperwork on it. I have sent payments to get caught up on the XXXX and they are saying they have not received them. I had the bank fax them confirmation they were sent and now they say they have not got the fax. I went to the bank again and had them fax another copy and even had the bank call them and talk with them. I just got another phone call from them yesterday harassing me about payments and they still have not credited my account. As of now I am 3 months behind and trying to work on getting caught up, but how can I, when they are not acknowledging my payments. They wo n't take payments over the phone, I ca n't make them online because they say they ca n't. So I do it through bill pay. I seem to talk to someone different every time. I do n't think they put notes on my account, so I have to explained myself over and over. They have harassed me to the point I have cried over the phone with them about the payments. I do n't know what to do and feel they just want to foreclose on me. I have just finished XXXX and am trying so hard.
09/17/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34972	Web
Ditech is changing the amount and date I make my mortgage payment. I have to call and email because they also have been placing the entire amount on principal. They no longer allow me to see my payment history on line, as I have been using it for documentation ... it constantly changes. On XX/XX/2019 I made my XX/XX/XXXX payment with an additional {$200.00} to go to principal. Ditech put the entire amount on principal and changed the date I paid it to XX/XX/XXXX and only show my payment with no principal ... this is after I emailed and called 2 times. They have been putting the entire amount each month on principal ... even putting a late charge on me in XX/XX/XXXX ... though I paid it early.They assure me it has been taken off. Now I am unable to even know what they are doing as they dont allow me to see it on line how they keep changing the amounts and dates that I pay ... this cant be legal!!! How can I get them to do their job? How can they change their dates. XXXX # XXXX in the XXXX the last person I talked to said it would be fixed by the end of last week. He also stated that because I paid it on XX/XX/XXXX five days early that Ditech put it on principal because the payments no due until XX/XX/XXXX ... really?! Help! Ditech is constantly screwing up my mortgage! This has to stop!
05/19/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 20774	Web
This is now the third complaint I have sent to CFPB after Ditech. For the same reason, there seems to be a concentrated effort to relay contradictory or false information to us. Today is XXXX XXXX XXXX , and we just got off the phone with them. On Friday, XXXX XXXX , Ditech left a door hanger saying call this number for important info regarding the loan. So we called. No answer and no response to calls and voicemails left on Monday the XXXX . Friday we called. We spoke to an XXXX , who was finally able to confirm they did receive loan mod docs but it was rejected. She said THEY NEVER RECEIVED ANY COMMUNICATION FROM US about a settlement offer. Which we have sent them multiple times! We even sent CFPB a copy the last time I issued a complaint. This is very stressful and to hear they have not received documents which they confirmed they have already received in the past is so frustrating for our family. We are truly doing our best to resolve this issue with Ditech. Ditech k eeps changing the documents they received vs what did not receive. What can I do to get some consistency from the correspondence from them? This is a dire situation for our family and we are scared our homes. We are doing our best to comply wit h Ditech but they keep losing our information.
04/28/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	AL 354XX	Web	Servicemember
I originally got approved to have a home built on my property by a company called XXXX XXXX and later they sold my loan to several other comp, anies every five years my loan get sold, I can remember a few names one is lending tree and now Ditech has the loan. I tried to refinance my loan thru lending tree they said that they don't do refinancing, And here is the kicker a company name lending Tree called me said that they could lower my mortgage payment and they said that I had to send nearly three thousand for fees, so I sent the money and found out that it was a scam the people that was a part of the scam was caught and was sentence to prison, my thing is I called lending tree the number that was on my mortgage payment and later after I hung a scam company under lending tree called me, how did these people know that I had wanted to refinance my loan, I think and know that this was an inside job. I was pressured at the time I signed the contract, I was nearly homeless so I sign the contract because the lady said that if I didn't sign that they would not do another contract if I didn.t sign that one, my intrest rate is very high I tried to refinance again I was told that my contract doesn't allow me at all to refinance and that Ihave to pay the amount of interest until the loan is paid
11/15/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AZ 85015	Web
As a Home Owner Citizen of the United States, I am angered and dismayed by Ditech/XXXX use of Federal Law to claim cushions as a safeguard and projections as excuse to add charges to borrowers ' accounts ( contrived by people that have no stake in the home ). Charging additional money and not processing payments ( holding payments in unapplied funds UAF ) result in additional and unfair charges/fees, bad credit reporting, threats of and real foreclosures. These practices are predatory tactics of an unscrupulous and greedy mortgage industry that has total power and control. It is laughable ( if it was n't so sad ) that the powerful mortgage industry claims need for safeguards/protections against the lowly individual. I vehemently dispute the calculation of additional cushions/projections ( fake charges ) that put consumers into a foreclosure status ( piling fees, upon fees, upon interest, upon fees ... ) .These additional charges are CONTRIVED ( trumped up charges, not true debt ) no matter what legalese/label used, i.e., cushion, projection, fees, whatever. Ditech/XXXX claims of borrowers being payments behind because of their calculations, holding funds UAF, and practice of sending contradicting letters claiming various amounts owed provides evidence of a mortgage industry gone awry.
05/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92646	Web
Our loan was sold to Ditech.We enrolled in auto pay.They told us it would not be in effect in time for our XXXX payment. We sent a check they got it on XXXX XXXX. On XXXX XXXX they took an additional payment through the auto pay. On the XXXX of XXXX i called and after 2 hours was connected to a supervisor, who while being rude to me assured me that we would have a full refund in XXXX to 7 business days. I checked a few times to see if they had sent it back and on the 7th business day I called again, and was told a supervisor was looking into it and would call me back. They never called me back. I called back AGAIN only to be told that the person who took my call could not connect me with a supervisor because the wait time for the supervisor was longer than 5 minutes and they could not be on hold that long ... .... and again said they would call me. I have done correct.I never asked to do business with them! I have no choice of taking my business elsewhere and they refuse to give me my money back in a timely manor and have caused a me to bounce other payments and fees. They are refusing to talk to me or allow me to talk to who I need to and refused to give me a number to connect me with anyone else have records of all the people I spoke with on what day and time. Please help. Sincerely
05/01/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KS 67207	Web
MY MOTHER PAST AWAY XXXX / XXXX / XXXX FROM THAT DATE UNTIL XXXX / XXXX / XXXX DITECH HAS REFUSED TO TALK TO ME BUT STILL SENDS BILL FOR MORTGAGE AND FOR INSURANCE THAT THEY BOUGHT IN MY NAME WITH OUT MY PREMISSION. I SENT ALL LEGAL DOUCUMENTS TO THEM BUT THEY KEPT COMMING UP WITH REASON OR ITEMS NOT REQUIRED BY THE STATE OF KANSAS TO NOT TALK WITH ME, WE WENT TO COURT AND BASICLY NOT HEARD. THE JUDGE KNEW THE LAWYER FOR THEM AND ALL THE LEAGLE DOUCUMENTS I PROVIED WERE NOT IN THE FINAL JUDGEMENT WHAT DID SATE THAT THESE WERE NOT PROVIDED BUT IF THE JUDGE WHO WAS THROWN THE CASE WOULD HAVE ACTUAL READ THEM HE WOULD HAVE SEEN THAT THE DOCUMENT WERE THERE. I FILED WITH THIS ORGANIZATION AND MADE A COMPLANT BACK IN XXXX THEY HAD DAYS TO RESPONED TO THE COMPAINT, ON XXXX / XXXX / XXXX I GOT A LETTER SAYING AGAIN WE HAVE NOT FILDED WITH THEM ANY DOUCMENTS SO THEY COULD NOT TALK TO ME OR MY ROOMMATE WHO HAS MY POWER OF ATTORNEY TO SPEAK FOR ME ( WE WERE BOTH LIVING IN THE HOME UNDER QUESTION ). I GOT A RESPONCE FORM THIS COMMISSION THAT ON XXXX / XXXX / XXXX THAT AFTER THEY REVIEWED THEY WERE NOW WILLING TO TALK TO US . DURING THIS TIME THEY SOLD THE HOME. THE ONLY REASON THEY RESPONDED IS BECAUSE OF THIS COMMISSION AND THAT THEY LOST A CASE IN XXXX FOR DOING THE SAME THING.
03/21/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33167	Web	Older American
I live in a condo. I have own this condo for at least 15 years. The condo was in my corporation 's name which is XXXX. XXXX XXXX. I refinanced 4 years ago but had to take the condo out of the corporation 's name and put in my name. At the time that I refinanced I was not aware nor did Ditech tell me that I had to have insurance to cover the inside of my condo. XX/XX/2017 the entire building caught a fire and the fire marshall made all 24 famlies move out. I wrote Ditech and sent all necessary information concerning the fire in order to get a delay of payments. They denied that request. Since the fire I have been paying my mortgage even though I am paying rent for another location. In XX/XX/XXXX Dtech wrote me and ask for proof of insurance. I told them that My Condo Association have insurance and have agreed to replace the building including the insides. Apparently that answer was not sufficient. I tried getting insurance for the inside of the condo but the insurance company told me that I would have to wait until the building is rebuilt. Meanwhile Ditech added inside insurance for my unit. My question to you is how can they add insurance to a burn down building and I am not allowed to nor can i stay there? Isnt that illegal. The building is still vacant and boarded up per the city.
07/30/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 95838	Web
I, XXXX XXXX elect to dispute an outstanding debt of {$13000.00} issued by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX customer service XXXX. Account XXXX, This loan states that a XXXX XXXX was used as collateral. I have the XXXX pink slip and a notarized signature in the release form the original loan. The car has been since sold. In a response from XXXX XXXX stating that they purchased the loan from Ditech for whom acquired the loan from XXXX XXXX. These companies, LLC 's that have changed there name over the past 30 years such as XXXX XXXX to XXXX to XXXX XXXX to XXXX XXXX, to XXXX XXXX to XXXX XXXX etc. I currently pay XXXX XXXX and on an outstanding debt close to the same amount monthly. My issue is how can a company release a vehicle with suht an outstanding balance. Me personally I believe in the mist of all these conversions and name change that a second or third party company acquired this loan. I feel. so violated and this is causing such harmful effects on my credit report and retirement. I need to purchase a new roof for my home of 31 years. Please help me in searching for the truth. I can't imaging walking away from a {$1300.00} debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Thank very much. XXXX
04/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98107	Web	Servicemember
GreenTree Servicing is the service provider on XXXX my mortgages and has been since about 2013. Their online system is not providing me with current statements. The last statement I have in the online account is from 2013. I have contacted GreenTree multiple times and they have not responded in writing. They have only left one voicemail message for me with no phone number from a blocked number. In that message they stated that the reason they have n't sent me a statement is because they do n't have my current address. That makes no sense and even if that were the case that 's no excuse for my online account not to have any updated statements. They do have my current address anyway as I 've received other things from GreenTree. I am trying to close on a mortgage for a new primary home and one of the checklist items in order to close is to provide a greentree statement. I am now being denied a mortgage because the best I 've been able to do is do a " print screen '' of my current balance. I am completely current, never missed a payment, have a credit score over XXXX but I ca n't get a mortgage unless Green Tree provides a statement. It seems illegal to withhold a statement. Is that legal? Why would they refuse to produce a statement? I pay on time every month against no statement!!
01/17/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 92530	Web
I am having a very difficult time with Ditech. I have been approved for a modification and was making my trial payments. I was unable to get a hold of Ditch durning the holidays and now am having trouble having Ditech accept my 3rd trial payment. I called to set up my 3rd payment on a payment arrangement for the XX/XX/XXXX. I was being recorded and I " Specifically asked if should post it for three XX/XX/XXXX because ii wanted to make sure all funds were in '', he said i should be okay because they dont receive the funds until 3-5 business days. As long they receive payment within XX/XX/XXXX I will be fine. They will then send me new papers upon my mortgage agreement. I got an email notification about Ditech received payment. I never gotten an BBC alert from my bank claiming an insufficient fund. I called on XX/XX/XXXX because no answer during the XXXX XXXX Holiday. I talked to XXXX ( asking why they have not taken the money or fired XX/XX/XXXX ) who told me that the check came back and that there is nothing they can do for me except do another modification. My last payment ... he said if they took the money now its for XX/XX/XXXX and XX/XX/XXXX would not be accounted for!!! I was almost in tears and explained what the other representative said to me. He really didnt seem to care!
03/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 780XX	Web	Servicemember
Very poor communication and readiness of Ditech Financial LLC in communication with customers in the changes in account structures, new account numbers and customer service. First, in XX/XX/XXXX received the lump sum payment as was practice for both mortgage and insurance and applied the entire amount to principle as opposed to mortgage and insurance payments. This was resolved after finally getting customer service on the phone with extended wait time. XX/XX/XXXX, received notice of new account number for insurance payment and that we would also receive a new account number for mortgage all still with Ditech and to be made separately to different addresses with new account numbers for future payments and notice of Chapter XXXX for Ditech. XX/XX/XXXX, new account numbers not yet provided and informed to still send lump payment and told by customer service they would still separate and the online account services would be unavailable for a few days while upgrades were made. Ditech received the lump sum payment as of XX/XX/XXXX ( due XX/XX/XXXX ) and did not post the mortgage payment as paid until XX/XX/XXXX and still showing on line the insurance payment due which is not correct as all was sent. Email customer service and never get a response other than a letter without resolution.
07/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OR 974XX	Web
I am a Realtor representing a seller in a short sale. When we started this process 2 years ago, the lender was XXXX XXXX XXXX who subsequently service released to XXXX, subsequently they service released to XXXX who service released to GreenTree who was taken over by DItech. We have submitted all of our paperwork multiple times, and the delays that are deliberate have killed several potential sales. The company DItech, has been deliberately dragging their feet and avoiding processing our short sale packet, and as we have obtained a new higher offer, they have announced that they are service releasing, but not until the foreclosure goes through. All we are asking for is that the banks comply with the terms of their settlement, and actually review short sale packets in a timely manner, without service releasing when it becomes obvious that a short sale is the best solution for the borrower, and the property. We have been watching first hand the corporate agenda to take advantage of XXXX XXXX for their bottom line. The practice has n't changed and wo n't until they cause another collapse with their un-checked greed. I am working very hard to save someone 's credit life, and all we seek is the oversight to ensure the banks give our short sale packet a fair chance at unbiased review.
06/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CT 06074	Web
well I fell behind with my mortage company due to my wife having XXXX sugery andwhile in surgery she had a XXXX and has n't been working for some time approx. 3 years and have applied for a modification mortage company I was behind and the XXXX which gave me a loan for the moneythey paid get me current which I pay them XXXX a month I was doing well and due to decrease in hours I fell into a problem and was tring to work out an modification with green tree and they are changing my loan from XXXX percent to XXXX interest and my mortgage is goingup instead of it going down and they taking me from 24 years to a 40 year mortgageand I ask the gentlemen XXXX at green tree why he stated I already had an hamp loan in which I thought with and hamp loan the percent would only go up about XXXX % after XXXX years I been sent paper work to green trre and they been strong arming me to sign the documents they sent to me by XXXX/XXXX/15 cause that 's the best they can do for me I have sent the paper work to the attorney general office in XXXX to look into this matter further due to them being rude and telling that I have to take this deal or they going to take my home I have all the paper work and there bussines practices really need to be look at with the threats from there customer service rep.
05/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO XXXXX	Web
Our home loan, formerly XXXX, was sold to Green Tree. Bought our house in XX/XX/XXXX. Refinanced in XX/XX/XXXX. Ever since has been a nightmare. Last year - we were late on a payment due to my husbands seasonal lay-off. I was harassed at work - rep from GT told me if I did n't identity myself - the account would be locked and they would n't accept a payment. This year, we are a month late. Called several times for options - shut down every time. Threatened with Credit Score dings. Harrassed at work. Now I am expected to come up with {$1900.00} XX/XX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX mortgage. They will not accept 2 week payments for each month. Have tried in the past. Was informed the type of loan we have does not allow comprising. Left a horrible message on our home phone - asking if anyone was still residing in the home. This was due to getting tired of being treated like dirt by whomever I was lucky enough to talk to. We have a great payment history. Now for the first time, when we need help, we are treated like scum of the earth. I 'm beginning to wonder if they hate all Americans in general. After talking to a XXXX XXXX about the payments in XX/XX/XXXX, he stated that the harassing phone calls would stop. Guess what, they have n't. They called again this afternoon.
03/29/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NJ XXXXX	Web	Older American
I refer you to a previous complaint XXXX XXXX which is closed. XXXX from DiTech informed me that I would be reinstated into the HAMP program. I was not and am now in foreclosure. History : I recieved a modification from Green Tree in XX/XX/XXXX. After I signed the permananet modification, Green Tree raised my mortgage amount to my original payment without notice. The agreed upon payment I made was placed into a suspension account. GreenTree did not give me a reason. They said if I didnt make the increased payment I would be thown into the street by the sheriff. I did not make the increased payments since the payment was not the agreed to amount. I requested a HAMP modification. Ditech offered me a HAMP. Although I agreed to automatic withdrawals, Ditech did not debit the funds. When I would call to inquire, they advised me they could process my payment but it would cost {$12.00}, which I paid. I made another 8 payments waiting for a permanent modification agreement. In XX/XX/XXXX I recieved a " trial modification letter '' dated XX/XX/XXXX. I did not sign the permanent XXXX upon the advice of XXXX from XXXX who was investigating. In XX/XX/XXXX I signed the HAMP. Almost immediately I received a letter raisng my mortgage by $ XXXX/mo. I made one payment. I am now in foreclosure.
08/18/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	FL 320XX	Web
My loan was originally with XXXX XXXX XXXX then transferred without my knowledge to greentree who did not honor my current modification I was under with XXXX so it started off bad me trying to get a new loan mod with them after two years being told I did n't qualify then they almost foreclosed on me until I hired a lawyer then Florida hardests hit paid almost {$12000.00} to my account to cover all past due fees and bring me current again now asked for a new payoff and see that Greentree has added an additional {$38000.00} to my loan amount and have called it corporate advances?? seriously my original mortgage is only XXXX now the total payoff is over {$80000.00} after we just put XXXX towards the account? I cant understand how this is legal to double my mortgage amount without my permission or consent? greentree did not honor XXXX original note or loan modification now it has already cost me over {$15000.00} in lawyers fees to save this home and clear my account and now they had added all this money to it. I need help with this matter this is no fair to me as a consumer and I wanted to transfer this loan from greentree to another lender and found this corporate advance amount added to my mortgage I need this cleared in order to proceed. Can you please help me with this matter.
08/07/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	LA 706XX	Web	Servicemember
I have continuously paid my mortgage on time since the year XXXX. My payments were automatically set by allotment ( monthly ) while serving in the active XXXX. My allotment was juggled between finance companies : Greentree Financial, DiTech ( current ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as successors to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, as successor XXXX XXXX and XXXX XXXX, as Trustee of XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX vs. XXXX My allotment suddenly changed to a Life Insurance Policy without my approval or a change allotment of my automatic payment. The following Company : Conseco LIC and Conseco Finance XXXX XXXX, hacked my allotment from Ditech ( current ) and without any notice ... DiTech placed my account in the negative. In XX/XX/XXXX, I called DiTech to make them aware of the Conseco Company receiving my payments. DiTech was not acknowledging Conseco and stated that they will investigate the issue. Ditech sent me a letter ( XX/XX/XXXX ) stating that all financial transactions stop until the investigation was complete. I did not receive any reports about the investigation after 30 days, as promised by Ditech Financial. MY HOUSE IS IN FORECLOSURE ( Sale XX/XX/XXXX ). I am waiting on the investigation report that I never received.
06/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92692	Web
Ditech Financial LLC, servicer of my loan and escrow account disbursed funds from my account with out my knowledge or consent for fruaduent 3rd party life insurance product. On XX/XX/XXXX XXXX was disbursed for insurance according to most recent prinouts i recieved from Ditech. On XX/XX/XXXX a disbursement of XXXX was paid out. I was never informed of this. Over time my escrow shortages continued even when i would pay additional .They were continually advancing funds to pay my escrow and then charging me the shortages. I reviewd account and there was insurnace placed on it from 3rd party lief insurance broker of some sort. In XXXX i discovered the payout to the insurance broker. I asked for the document and teh agent at ditech faxed me a frauduent document showing a scribble on a life insurance document to have insurance added to my account at a cost. I immedietly informed thm of the fraud and they took the insurance off yet never informed me of the Large payouts to the company. I requested my documents. The ledger on my paymnets and what they have processed has many disrepancies in addiition to th payouts in XXXX. I have now contacted htem on mutiple occasions with no resolve and continue getting statements of escrow shortage that dont correlate with increases in taxes/ins.
06/18/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	GA 31558	Web	Older American
Recently I noticed my mortgage was not reporting to any of the 3 credit bureaus, after looking into it I found my mortgage was being reported as closed due to bankruptcy! After speaking with their customer service in XX/XX/XXXX I was told all they would need is my bankruptcy papers from XX/XX/XXXX stating that particular mortgage was exempt. On XX/XX/XXXX I scanned and sent copies of the bankruptcy paperwork showing my property was exempt as they asked. On XX/XX/XXXX I received an email stating that my home could not be exempt from bankruptcy! I called on XX/XX/XXXX to follow up, spoke with 3 different representatives in 3 different departments, customer service, closed loans and blue bankruptcy! No one has taken the time to follow the paper trail that would show this is an open, up to date mortgage that was never foreclosed or in bankruptcy. I did have another loan with the same mortgage company that did go to bankruptcy, I wonder if they are confusing one for another. They say no. I asked to speak with a supervisor on my call of XX/XX/XXXX and was told she was not in the building. Was once again told by yet another account rep that someone would get back to me. In the meantime I can not get the credit I deserve with the loan showing as a closed, and in bankruptcy account.
09/22/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CO 80226	Web	Older American
after more than 7 years from the date of our delinquency on our XXXX mortgage and having no contact from any one attempting to collect the debt after we lost our home in a foreclosure in XXXX we suddenly have a company trying to collect the debt and they are the first company to report this debt on our credit report. We filed for bankruptcy in after our home was foreclosed on and the original creditor did not, to my knowledge, file a proof of claim- they just charged off the account since they could not collect on the sale proceeds at foreclosure They also are reporting that payments were made on the account in XXXX but our last payment before trying to negotiate a modification was in XXXX of XXXX and the home was sold at a foreclosure sale in XXXX. They may have bought the debt from some one in an attempt to collect but the statute of limitations has expired for legal action as well as the 7 year statute for reporting it on our credit report- some one has re-aged the debt by stating that there were payments made in XXXX but XXXX records show that the property was sold long before XXXX. Since our date of delinquency was in XXXX of XXXX should n't we have the right to have it removed from our credit reports .No reporting of this debt was ever on our credit report until XXXX
10/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92821	Web
We originally got a loan with a company called XXXX. They sold our loan to GreenTree who in 2014 paid the wrong company for our property insurance out of our escrow account. Not wanting that to happen again this year, I called in XXXX to speak to a representative. She eventually transferred me to a rep for XXXX XXXX who supposedly emailed them what was needed. End of XXXX I received a letter from XXXX who has now taken over GreenTree saying my insurance is n't paid and so I call customer service again who assures me it will be paid on time. XXXX rolls around, XXXX XXXX still has n't been paid, and XXXX sends me a FINAL NOTICE regarding the hazard insurance. They were going to force me to buy insurance from them. I called ditech again and requested a supervisor who finally informed me their concern was insurance for the structure which is paid by the HOA. I faxed them what they wanted. Then I received a notice yesterday. Our escrow account is " short '' and they are raising our payment to make up this shortage. Turns out they not only paid XXXX XXXX the {$540.00} we owed them, but ALSO sent a {$840.00} check to XXXX who we do n't use for insurance on this property. We want our {$840.00} back and this escrow issue resolved so we do n't have to deal with it for a third year.
04/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 747XX	Web
Greentree/Ditech financial group sent me a repossession notice appx. 30 days ago for an insurance amount that was cancelled the date it was paid off. The original amount was XXXX, but the repossession amount on the letter was for appx. XXXX. A payment of XXXX was sent via XXXX on XXXX XXXX, XXXX. Payments were posted as follows : XXXX : {$29.00}, XXXX : {$29.00}, and XXXX : {$120.00}. I received another repossession notice today stating that a payment received of {$29.00} was a partial payment and they were continuing with the reposession ( which should be in the next 48 hours ). The loan was paid off in XXXX of XXXX with a remaining bal. of XXXX. XXXX principal, XXXX interest and XXXX insurance. Original note was 15 yr. simple signed in XXXX XXXX. There were approximately XXXX to XXXX deferred payments. Does n't add up. I have a XXXX XXXX XXXX Grandson to raise and it would be nice to come home to a house sitting on the property tomorrow. Please help. I am uploading several forms at this time for the immediate problem. Copies of all other documents are being copied and printed. I would be happy to send them to you showing loan payments etc. It is a large file and would either need to be sent on a flash drive or printed. Please let me know which will be most convenient.
10/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 128XX	Web
I contacted your organization in XXXX 2016 regarding my mortgage with GREENTREE SERVICING/DITECH. Approximately two weeks later I received a MAKING HOMES AFFORDABLE packet to apply for help. This info. was dated XXXX/XXXX/16. The very next day I received a second packet from DITECH stating they received my application and they determined it was INCOMPLETE. They listed what was missing. How is this possible since I had only received my application the day before. So, the next day I received a letter from DITECH stating I was ineligible for their Home Affordable Modification Program because and I quote " WE SERVICE YOUR LOAN ON BEHALF OF AN INVESTOR OR GROUP OF INVESTORS THAT HAS NOT GIVEN US THE CONTRACTUAL AUTHORITY TO MODIFY THE LOAN UNDER HAMP. How many consumers have these same issues with GREENTREE/DITECH? As I reported to you previously, I attempted to get help through this program before and got the runaround from GREENTREE. It was the same scenario then. They said incomplete paperwork etc. Everything was there. I had made copies. I have the letter from them and everything I had sent them. They are the worst. I pay 10 % interest on my mortgage and it is absolutely crippling me. They do nothing but take the money and do n't care about the consumer. HELP. XXXX XXXX
02/19/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NC 283XX	Web
Our home was severely damaged during hurricane Florence. Our flood insurance went into effect and we received the insurance check for {$86000.00}. The check was issued to us and DITECH. We endorsed the check and mailed it to Ditech as requested by Ditech. Ditech received the money on XX/XX/2018. All paperwork has been submitted to Ditech that was required of us as homeowners. Per Ditech, the check has been issued and is to be sent to use for need repairs. We have yet to receive the check at this time after several time frames and delays have been stated by ditech. Our XXXX has started good faith repairs and has since had to reschedule do to the hardship of lack of payment. My family and myself are currently residing in a camper as our home is unfit for habitation, these delays have been truly inconvenient and unnecessary. Such delays have increased the exposure time of our home to hazards ie mold and mildew, increaseing further repairs and damages. Ditechs lack of communication and release of funds provided by our insurance company, has cause increased time frame for completion of repairs and possible loss of acquired XXXX. Any assistance that can be rendered for this current situation would be helpful, we do not know what other routes to take to return to our home.
07/23/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 79928	Web
Bought property and mobile home in 1997, we have always paid our own property taxes. We never requested for mortgage to be escrow, now we only have 2 more years to pay home off. This year our tax return did not come in as usual, we managed to pay mobile home taxes. Property tax carried into XXXX, when I went to tax office, I found out that Ditech ( XXXX Az. ) had paid taxes XXXX I was not aware of this, now my mortgage has been turned into escrow account ... Here are the numbers that bother me and Ditech refuses to be fair and work with me..I understand that account was running behind a month and had late fees, that was brought curffent this month with payment of {$2000.00} ... Only 2 years left on mortgage, payment increased from {$740.00} to {$1000.00} a month.. Our property taxes average {$1300.00} if paid in XXXX ... Mortgage payment increase is {$330.00} more a month, in 10 months it's {$3000.00}. I can pay next year taxes this year, plus since it turned into escrow account {$12000.00} we're added to final mortgage amount. I requested for the {$1500.00} to be added to final mortgage to pay back..request was denied. I seriously feel that Ditech is taking advantage of me.. I have talked to reps and supervisors, and sent written request, nothing has been resolved.
03/06/2018	Yes	Mortgage VA mortgage	Trouble during payment process	TX 760XX	Web	Servicemember
My mortgage has essentially doubled since GreenTree/Ditech purchased it in Mid XX/XX/XXXX. From approx {$1100.00} to approx. {$2000.00}. Instead of conducting escrow analysis yearly they have done it XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Without time for my escrow to build, my mortgage payment continues to skyrocket. I had an escrow shortage notice of approx $ XXXX. In XX/XX/XXXX, I called to have account noted that I would pay off escrow by mid XX/XX/XXXX. I specifically mailed the 3 payments of $ XXXX to the escrow account payment address NOT the mortgage payment address. Why even have seperate addresses? However, todate only 1 payment was credited to escrow. 1 is held in unapplied funds. 1 is still unaccounted for. Each payment specified escrow shortage payment. After requesting they rerun my escrow on my primary home account so I know my new XX/XX/XXXX payment, it still shows {$2000.00} despite escrow shortage being satisfied. On my other mortgage, my request to discontinue escrow was denied based on having a negative escrow which had already been satisfied. I was told it was their error and to go online to resubmit. Ironically when I went online that functionally was no longer available. Their business practices are dubious and inconsistent.
06/19/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	GA 30058	Web
I have a loan with DITECH. I applied for a loan modification XXXX XXXX . I was approved for a trial modification in XXXX XXXX . I had to comple te four ( 4 ) t rial payments by XXXX XXXX . I completed my trial payments in XXXX XXXX bu t DITECH has not sent me anything in writing regarding the approval of my loan modification. I was advised by my account rep to continue to make the trial payments because the modification docs are not " ready '' ; however, I have not received any documents or anything in writing from DITECH assuring me that my modification has been approved. Even though the trial period is over DITECH continues to report negatively to the credit bureau they also continue to do collection calls and I have to keep reminding the DITECH representative that I 'M IN A MODIFICATION PROCESS. But it always seems like no one knows the status of my loan modification, and they refuse to put anything in writing! ... its like they are waiting to send me to foreclosure. Why is it that they do n't have to put anything in writing during this process? I 'm just trying to keep my home but it seems like my lender has no interest in helping me do that. Please let me know what I can do to get something in writing from DITECH regarding my modification status
07/16/2020	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	AZ 85546	Web
In XXXX of 2018, Ditech Financial requested a homeowner 's insurance declarations page from our insurance company XXXX XXXX. XXXX XXXX sent them the wrong page that included more than just the home portion of our farm policy. Ditech paid on that XXXX page which was substantially more than necessary. This threw our escrow account into a negative balance and caused our house payment to skyrocket. When I finally realized what had happened we tried many times to get this situation rectified all while continuing to make our normal house payment. It took 2 YEARS for them to fix this. They assured us many times that it would get fixed in a timely manner and because Ditech declared bankruptcy in the midst of our dispute we were lost in the mix many times. It was nearly impossible to talk to anyone who could help. Our home was even thrown into foreclosure! When we finally got things fixed they assured me that they would rush letters to the 3 credit bureaus so that the negative marks on our credit would be corrected. They still have not done this and I can no longer get anyone to help me because they sold our account to another mortgage company during their bankruptcy. Our business and our good credit have been negatively affected by their mistake and they need to fix it.
06/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 34231	Web	Older American
I have a mortgage and a home equity loan both payable to Ditech. Every month, I would receive XXXX bills with payment stubs. I would mail XXXX check with both stubs back and payments were allocated correctly. Until this past XXXX when allegedly Ditech got a new system that electronically read checks and stubs. They apparently applied XXXX check to the equity loan making the mortgage appear in arrears. I started to receive collection calls and each time I would explain and receive assurances the payment would be reallocated. That never happened. I have received XXXX calls, XXXX sets of collection letters, XXXX sets of certified letters, instruction on filing for government assistance. In between all this I get letters telling me they 're investigating. I 've spoken with several service reps, XXXX supervisors who never return voicemail messages and I 've attempted to reach an executive in Ditech 's headquarters in XXXX PA only to be dropped from their IVR system. I 've attempted to email Ditech at an email address in their statement only to have it bounce back. I 've mailed outlining payment check numbers, amounts, date of issue, date the check cleared and no response. I 've paid every. Bill in full and on time. Ditech have been completely unresponsive and inept.
05/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60010	Web
We had a unsecured loan for {$12000.00} with Greentree, account # XXXX which was sold or transferred to Ditech ( Companies merged ). Ditech and they said that we did not pay the last {$780.00} on the loan. We paid the full amount, but the payment was made to the original creditor Greentree before Ditech took over the loan. Ditech called and said we owed them! We did not pay them because we did not recognize nor were we notified that the loan was sold to another company. Greentree took payment and did not pass transaction onto Ditech. The blunder from Greentree and Ditech has had an adverse effect on our credit scores. The 30 day late payment as of XX/XX/XXXX has been updated to paid bringing the account to 100 % payment history BUT Ditech has failed to change the account from charge off account to paid account. The account was not a charge off account as we paid Greentree the remaining balanced owed. By Ditech reporting this account has a charge off account were are suffering due to the points our credit scores dropped and since the account was closed on XX/XX/XXXX. We need the account to be updated to a paid account so the points lost and be re-calculated by the credit bureaus. We are being denied a mortgage loan due to the inaccurate reporting of this account.
04/04/2018	Yes	Mortgage Other type of mortgage	Incorrect information on your report Public record information inaccurate	NJ 07011	Web
We bought a house in XX/XX/XXXX. In XX/XX/XXXX I filed bankruptcy Chapter XXXX only credit cards and my husband filed bankruptcy Chapter XXXX also in XX/XX/XXXX. We always been on time on our mortgage payments, never late because we want to keep our house. We started to build our credit two years ago and we noticed that the mortgage company is not reporting our mortgage payments to the credit bureau since the time we filed the bankruptcy. I called the mortgage company and they said they need the ( reaffirmation letter ). I tried to contact the bankruptcy lawyer about this letter but I can't locate her anywhere, her office is close and there's no other way to contact her. This problem is holding our credit score back and we think is not fair since we've been paying on time since the time we bought the house. I understand buying a house and a car paying on time helps to build your credit a lot because is a big responsibility for many years, this is not helping our credit. We pay every month {$2200.00} and is not fair that they don't report it to the credit bureau. If they would we would have an excellent credit score. This affect our credit because we can't get a decent rate based on our score. We would appreciate everything that you could do to solve this matter.
10/31/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85042	Web	Older American
after 6 calls and told each time they were going to fix problem on their end. i keep getting late payment foreclose notices. i have not missed a payment, my auto pay paid one 2 days earlier due to a XXXX requiring early payment, my payment have bee moved up 3 times, so if a payment falls on a weekend or non working day, its applier earlier month or late. changes make auto pay since they bought my loan, i have change auto pay, after the fact, with it extra late payment, but paid still in grace period.fixing issues is and having them follow through is the main problem. it took 6 month to fix last issue, and i got foreclose notices every week. for months after the corrections.they applied the extra forced escrow payment to the wrong place even after they refused to reapply the extra principal pre paid to escrow. both in wrong account. i over pay my amount by {$75.00} for the last 10 years to cover escrow and other unseen issues. i have had to pay XXXX extra escrow due to prior mortgage mistake. my payments went up XXXX $ and still have not returned to normal amount even after i paid mistake amount. i hoping to sell home but need to get them to really fix problem. late fees are removed and re issued on next bill, im told they will address issue but problem goes on.
01/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NV 89106	Web
This item " Derogatory Trade '' for Ditech reported XX/XX/2015 is STILL inaccurate. I was reported to the credit bureau for 30 days late for XX/XX/XXXX and XXXX 2015. My payments were made on time however, Green Tree was not honoring my loan modification from my previous lender which is a violation of the FCRA. GreenTree then tried to raise my interest rate and throw in old escrow charges that ultimately made my payment increase, although with a loan modification this is a violation. I continued to make my payments according to my loan modification. XX/XX/2015, after I was threatened by Green Tree they would be foreclosing on my house due to late payments, I sought assistance from XXXX XXXX XXXX to assist me with the issue as Green Tree. Green Tree finally honored my loan modification but REPORTED me to all credit bureaus as late and has now ruined my credit to purchase a new home. Green Tree will not remove the late reporting even though they have proof I paid my mortgage. I was paying according to the loan modification, not their terms. I cant get a hold of anyone to help me, nor can I afford an attorney. Green Tree has several of these same issues against them and we all experiencing credit issues. This is fraud, misrepresentation and a violation of the FCRA.
10/05/2019	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WA 981XX	Web
I had a mortgage with Ditech Holdings. They apparently went bankrupt in XXXX of 2019 and my mortgage was sold to another lender. I sent my XXXX payment to the new lender and it was returned. This cause my Ditech account to move to 30-59 days past due. I called and figured out that I needed to send my XXXX payment to Ditech and did so. I was informed that since Ditech went bankrupt and the loan was sold, it was illegal for them to report to the credit bureaus unless the account was more than 90 days past due. I got everything squared away and have been paying the new lender. I then noticed that Ditech REPORTED to the credit bureaus and my score dropped by 50 points. I immediately contacted them and demanded they remove the report. They added a " Remark '' but didn't remove the initial report to my credit. I've disputed with the credit bureaus, but they state Ditech will have to agree to remove the original report. I have called and emailed and they simply have not done it. I checked and it was ILLEGAL for them to have reported due to the fact that the loan was sold due to their bankruptcy. I have NEVER missed a payment for anything and am enraged by this illegal action that has negatively impacted my credit score/reports and my ability to obtain future credit!
11/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29072	Web
Di tech refused to conduct an escrow analysis and then when they finally did the analysis they found that the account had {$3000.00} extra in the account. As of XX/XX/XXXX.2016, we have not received the return of funds over the required minimum. Escrow analysis was completed in XXXX 2016 and then in XXXX the PMI was dropped from the account and another analysis was done and new amount was statwped, but the XXXX and XXXX payments were made in the amount of the new XXXX amounts, but they were crediting the account for {$75.00} less than was payed. On XXXX XXXX, 2016, spoke with XXXX and she stated the extra was in an overpayment account except it did n't add up to {$150.00} and futprther went in to state that XXXX payment paid XXXX and then on XXXX XXXX an payment of XXXX was made thus they say the account was up to date XXXX it came from an overpayment account, but the account has never been late and no payment had been missed. Requested a payment history sent to me, refused, stating it would be sent to Netherlands attorney on record. They never communicated a payment behind through the attorney. Ditch will not send a bill with amount due since account is in active bankruptcy and when you call to ask for amount, they say pay what you paid the previous month.
09/28/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98004	Web
This is a formal complaint against Ditech for ignoring our requests to remove PMI and continuing to charge us PMI. On XX/XX/2018, we made a large payment to Ditech to reduce the principal for our mortgage far below the 80 % requirement for PMI. On XX/XX/XXXX, we called Ditech and asked for how we can formally request a cancellation of PMI. During the call, the representative told us to send an email requesting this. We sent them an email on XX/XX/XXXX requesting to cancel PMI. Ditech did not reply to this email. On XX/XX/XXXX, Ditech charged us {$150.00} for PMI. This appeared as a line item in our XXXX statement from Ditech. On XX/XX/XXXX, we called a second time asking how to cancel PMI, and Ditech told us to send an email. On XX/XX/XXXX, we sent a second email formally requesting to cancel PMI. Ditech never responded to this email either. When we received our XXXX statement, we did not see a line item for PMI, so we had believed it was canceled. However, in our XXXX statement, Ditech added TWO line items for PMI, one dated XX/XX/XXXX, and one dated XX/XX/XXXX. Per the Homeowner 's Protection Act, Ditech is federally required to allow us to cancel PMI upon request when our loan 's Loan-to-Value falls below 80 %. Ditech has not honored this request.
08/19/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NY 11510	Web
This is my third application to Ditech and formally name Greentree for a mortgage application but this company only delays and gives excuses for modifying loans but will not do the necessary work instead and trying to run out the clock. I submitted the application for a modification two months ago as well as the documents they requested. I told them the only documents I can not provide are taxes for 2015 because they have not been done. But I signed the transmittal. I sent in my pay stubs and all other documents. The say that my application is incomplete. They call my number 100 times a day but not about the loan modification which by law they are require to do but for payment for an ever increasing rate for the loan which is about to reset XX/XX/XXXX. I am having a difficult time paying for it now so I want to modifying before it becomes even more difficult for me to pay. I have asked them for the payment schedule for the reset. But they decline to provided me with the information. For the past 3 months, my Client Rep have changed -- the latest person I see is XXXX XXXX who just calls and hangs up. This company is just trying to foreclose and not helping in my situation even though they are require from law to help. I am enclosing the most letter the sent me.
11/13/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	AZ 85750	Web	Older American
Since the XX/XX/2016, I have been in the process of submitting documentation to Ditech Financial for loan # XXXX for the purposes of a new revised loan via HARP or HAMP guidelines. On XXXX XXXX, 2016, Ditech asked for and received on XXXX XXXX, 2016 ten different documentation Items. One of these were rental agreements that I am a partner in. I have not received any further notice about my loan status until today when I received in essence a refusal letter. I am outraged at this lack of communication and want to bring this to your attention as I have been very patient. The current loan indexes into a 20 year amortization and will increase the mortgage by XXXX. This indexing was never explained to me many years ago. I am now retired and can not afford this. My payment record with Ditech is impeccable but I fear this will not continue upon indexing. Lastly, I mistakenly sent them my lease copies and have spoke to XXXX, at XXXX, ext XXXX, about getting copies returned to me. I even offered to have them picked up, I was refused. I spoke to XXXX at the same # ext XXXX, he assured me he would take care of it, still no copies. I then spoke to their supervisor XXXX on XXXX XXXX. Again, I was assured the copies would be mailed out to me on the XXXX. Still no copies.
02/26/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	KY 410XX	Web
I secured a mortgage with Greentree XX/XX/XXXX for a mobile home. I have made regular payments since then without any major interruption. XX/XX/XXXX, my loan was taken over by Ditech and soon after they said my loan had matured and they wanted the full amount left on my loan, over {$2500.00}. I have explained, monthly after getting collection letters, that I am now XXXX and payment beyond monthly payments are not an option for me. I called earlier this week after getting one and the guy I spoke with tried to tell me I had never made any payments! I have the money order receipts going back to XX/XX/XXXX and the amounts sent. I was sent to another person who said my payments were in the system. She said these letters are computer generated and I would continue to receive them. No effort to set up a set payment plan I could manage or anything. No help at all. Then I get this letter telling my to take my complaint to the FTC AND CFPB. As a side note, I did try to procure a personal loan to pay this company off but, since they have reported my account to the credit bureau, I was unable to do so. This seems like poor business practice on the part of Ditech and Greentree had to know what their practice was when they sold my account to them. Please help if you can.
05/17/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30044	Web
On XX/XX/XXXX, we entered into an agreement for a loan modification that would be approved contingent upon making three consecutive monthly payments, signing an agreement and my account would be current after three months. We have successfully made 6 monthly payments ( see attached ) and have never received an agreement to sign. I was notified that our home has been scheduled for foreclosure sale because Ditech never received the signed documents. I am sure you will agree that it is impossible to sign a document that you never receive. On XX/XX/XXXX, I spoke with XXXX and he said there was no way to continue the modification. He indicated he would start the process again. I called later the same day and spoke with XXXX to ask for proof of delivery of the documents, assuming that such time sensitive documents would be sent with proof of shipment, delivery and signature required. He notified me that Ditech is not obligated to provide me with such information. He also told me that the conversation I had with XXXX was not true and XXXX would not have initiated a new modification. I asked him to patch me through to XXXX and he refused and said Ditech has no obligation to follow through with their agreement. I highly suggest that this phone call be reviewed.
03/01/2017	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	AZ 85711	Web
In mid-XX/XX/XXXX of last year, XX/XX/2016, I took a cash-out refinance with XXXX. The title company was XXXX. The closing disclosure contained a 'clerical error ' that was caught hours before the loan was to close and long after the signed and notarized documents were received by the Title and Lender. Having been informed at the last minute of this {$1000.00} error, not in my favor, I was forced to sign a revised CD. Now, it turns out that my previous lender, Ditech, did not receive the full payoff amount from the title company. Unbeknownst to me until I pulled my credit report last week, ditech has been reporting me to the credit agencies and levying late fees etc ... I have called and left VM 's and emails, but Ditech is not responding. I need to know how short the payoff amount was and why this happened. I especially need to know where Ditech has been sending my bills and other correspondence. I will ultimately request that they waive any late fees, interest, etc ... that have accrued since the 'payoff ' and that they immediately communicate with the credit agencies to get these negative reports removed. Please contact Ditech and any of the other listed parties that held a fiduciary duty to me as the consumer through that refinance. Thank You! XXXX
11/13/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 53213	Web
I have been trying to cancel the PMI on my mortgage for years now and Dietch Financial keeps finding reasons why they can't do that. Most recently, I submitted to have my PMI cancelled and they told me I need to have an appraisal done on the home. An appraiser came to my home on XX/XX/XXXX and completed the appraisal. After hearing nothing from Ditech for a month, I reached out to them to obtain a copy of the appraisal. Today, Ditech left me a voicemail and told me that the appraisal that was done in XXXX was not done correctly and they need to do another appraisal. I have still not received a copy of the appraisal not was I told what was wrong with the first appraisal, just that it was wrong. When I called Ditech back at the number the agent provided, I had great difficulty getting connected with the agent who called me even though I had her direct extension. After a few attempts to connect with I was finally ( gruffly ) transferred to her extension. I got her voice mail and I left her a message letting her know that I approve having another appraisal done. I think Ditech is shrining me along to get more PMI payments out of me because we are now coming up on two months after the initial appraisal and I'm not being told we have to do another appraisal.
01/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY XXXXX	Web	Older American
I refinanced my mortgage for the amount of {$120000.00} with XXXX XXXX XXXX on XX/XX/XXXX. Some time after that the mortgage went to a company called Greentree lending and after that was taken over by Ditech Financial, LLC. I made all of my payments to Ditech until the mortgage was paid in full on XX/XX/XXXX. I made NUMEROUS attempts to obtain a satisfaction of mortgage from Ditech but they repeatedly sent me the wrong one that was for the previous loan of {$80000.00} that I was refinancing onXX/XX/XXXX. After months and months of frustration and never being able to talk to the same customer service person and because the house was being sold I passed the job on to my lawyer. My attorney was not able to get any results either so they hired a company that specializes in these issues..Again no cooperation from Ditech. In the interim my house was sold and the title company witheld {$5000.00} from my sale proceeds due to the missing satisfaction of mortgage. My attorney tells me that now the title company is attempting to resolve this but I have not seen any sign of hope that Ditech will cooperate. It's been 2-1/2 years since I paid off the mortgage and have had to deal with the effect on my credit as well as not receiving my {$5000.00}. PLEASE HELP!!!
10/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 210XX	Web	Servicemember
Hello my name is XXXX XXXX, I am submitting a complaint on both Ditech Financial Mortgage Loan- Second mortgage and all 3 Credit Bureaus ( XXXX XXXX XXXX and XXXX ). On XX/XX/XXXX I called XXXX to have verbiage remarks removed from Ditech and hours latter my credit score dropped 65 points. I called XXXX back to find out what caused this and after about 20mins it was discovered that my payment history with Ditech was removed by Ditech while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they Ditech does n't have a problem with the dispute. XX/XX/XXXX, I also requested that XXXX and XXXX remove the same verbiage from my closed account with Ditech and 4 days later my XXXX score dropped 81 points. I am assuming XXXX is to follow in the pattern however the current scores as of XX/XX/XXXX does not reflect a drop. I have NO late payments as ofXX/XX/XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( 4 in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.
10/09/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30327	Web	Older American
I had a XXXX mortgage on a property that had a first mortgage held by Greentree/ Ditech XXXX I forclosed on the XXXX mortgage on XXXX XXXX the foreclosure waswas subject to making payments on the 1st mortgage. I have beenharassed by Ditech debt collectors. I can document that on XXXX occasionsthey received by Fax information from me showing I was the ownerof Record and that I needed information on the mortgage in order tomake the payments. They have never sent me information on thepayment amount/ balance amount etc. The payment amount keepschanging and they call me and tell me I am " late '' in paymentsbecause I did not send in the correct amount.They are adding feesand penalizing me and yet will not give me information on the amountof payment necessary. They harass me constantly by calling severaltimes a day. All they need to do is send me a statement outlining thepayment amount and interest rate and notify me if there is a change. The Ditech reps are rude and despite my asking have not sent meany information. I consider them abusive in their practices. I did seewhen I XXXX them that there was a {$48.00} XXXX judgement againstthem for unfair collection practices. If you can suggest a remedy Iwould be glad to try anything at this point. XXXX XXXX XXXX
11/15/2017	Yes	Mortgage FHA mortgage	Closing on a mortgage	NY 11205	Web
On XX/XX/XXXX at XXXX XXXX I closed on a property that had a mortgage with Ditech in XXXX XXXX XXXX. Ditech 's closing instructions required a closing fee of {$550.00} to cover the cost of their attorney XXXX and XXXX XXXX to attend the closing and collect the payoff check. Both of these items were completed as required. However, Ditech posted the payoff to my account onXX/XX/XXXX claiming that they did not receive the payment until that date and that it was wired. They went on to reported to credit bureaus non payment for the month of XXXX and make additional notes inXX/XX/XXXX that have brought my credit score down significantly. They also refuse to return any of the per diem that they owe me fromXX/XX/XXXX - XXXX. I have contacted them numerous times via phone and in writing to no avail. I have also reported them to the BBB and they refuse to make adjustments. From a legal, professional and ethical standpoint, XXXX and XXXX acted as Ditech 's agent, extension of their company in a legal capacity and was in receipt of my payoff as ofXX/XX/XXXX at XXXX XXXX. My account should reflect the exact date and time of the receipt of that payment. Ditech 's internal process is none of my concern nor should I be penalized for their complex internal protocol.
09/26/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	WI 545XX	Web
XX/XX/XXXX I noted a change in my mortgage payment with Ditech with an increase of approximately $ XXXX/month. I called and was told my taxes had increased by XXXX % and therefore I was behind on escrow. The taxes had not been increased, but rather were incorrectly added to my account in their tax department. Their tax department agreed there was an error and they would rerun the escrow report and change the payment amount. I contacted the Ditech again after there was no correction two weeks later. I have called every 10-14 days since to have this corrected. Each time I am told a department did n't do their particular job and they will forward an email to have the correction made. I was told on half a dozen occasions that a new escrow report would be done and they would correct the account. No report has been run and no changes have been made. I called again today and was told again, went to wrong department and check back in 3 days. They would not give me any further phone numbers to talk to someone in a Managerial position to resolve my problem. I continue to pay the inflated monthly payment to avoid any credit reporting issues. I feel that I must refinance my mortgage with another lender to get away from this company. I 'm not sure what else to do.
12/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 190XX	Web
My XXXX XXXX XXXX township taxes were due on XXXX/XXXX/2015 according to the tax bill dated XXXX/XXXX/2015. Up to this date the bill has not been paid from my escrow account. On XXXX XXXX I called Ditech and I was advised to send a request via fax with the tax bill to their " tax research '' department. I was advised that within 10 business days I will have a resolution. Nothing has been communicated to me, so on XXXX XXXX I called again where I was told that the tax bill has still not been paid, however they could n't tell me why. I requested for the request to be escalated and I was told that in 3 business days I will have a resolution. I also requested to talk to the supervisor where XXXX assured me that he will personally follow up to ensure that the bill is paid. On XXXX XXXX, XXXX called, telling me that he does n't have an update, and that hopefully by Monday he can give on update. Today, Monday XXXX XXXX, I am being told that payment was fedex-ed to the township on XXXX XXXX. I called my township, where they stated that Ditech requested a tax certification ( which the township provided ) and that the payment was still not received. This is beyond frustrating and no one at the costumer service line can tell me why the payment is not being made.
09/23/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OR 97603	Web
Our mortage was thru, XXXX, green tree took over the management, and continues to harass us, and threaten us, with civil action, consistent with their recent court loss for these same practices. They say we owe them money from non payment which is false. They have tried to modify our loan payment, and until recently called, daily, threatening us. We are current on our pay, mets. And have never missed a payment with them. What did happen is this. In/on XXXX 2014 we made our payment to XXXX. A day or two later we received a demand letter telling us, that green tree was now our mortage handling company. I forwarded a letter explaining that I had already made my payment to XXXX, I recently went to my credit union and retrieved the paper work, proving payment to XXXX, and forwarded that paper work to green tree. After providing proof of payment, we continue to receive demands for late payments, and they keep charging us late fees, for our payments, which were made on time, every time. I do not appreciate gree trees aggressive tactics, and am aware of their recent court loss of XXXX XXXX for this very same tactics. I have XXXX intentions of paying more then my mortage payment, or paying alledged late fees, for payments made on time, monthly. XXXX XXXX
09/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 085XX	Web
Please see the attached letter. -- especially the sections about ( i ) Green Tree 's post-XX/XX/XXXX-Settlement lies XX/XX/XXXX, to the effect that my house was going to be sold at foreclosure on a " sale date '' of XX/XX/XXXX, and ( ii ) Green Tree 's utterly unreasonable proposed loan-modification terms requiring me to take on an entirely new debt to Green Tree ( of roughly {$250000.00} ) without even extinguishing the original, existing note to XXXX ( originally {$280000.00} ), which XXXX purportedly still owns. I am challenging the foreclosure in the District Court for the District of New Jersey, and neither that Court nor any other has ever ordered or authorized any foreclosure sale. Green Tree has also violated both the XX/XX/XXXX GMAC/ResCap settlement order and the 2015 settlement order by failing ( i ) to send me the mandatory package informing me that I qualify for the automatic XX/XX/XXXX " Settlement '' loan-modification and ( ii ) to send me final automatic loan-modification documents for my signature after the XX/XX/XXXX settlement, without forcing me to submit a new loan-modification application with new documentation. Green Tree should be held in contempt for violating both the XX/XX/XXXX settlement and the XX/XX/XXXX settlement.
03/10/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MD 21229	Web
Hello, my mortgage payment consist of XXXX elements principal and interest taxes and insurance. My lender charges me nearly {$3000.00} per year and pays out to my insurance co. {$850.00} per year for the same coverage. They have no explanation for the overcharges. 15 month ago And after dozens of phone calls and emails with answers to a solution, I notified my lender and insurance co. Of the problems I am having with my lender and instructed them to return to the lender the {$850.00} on my behalf and accept the {$850.00} directly from me which saved me over 2 thousand dollars every year. I also notified my lender in righting that because of the overcharges I would like to pay my own escrow saving me thousands per year. So for the last year I have been paying my own taxes and insurance and sending my lending Green Tree principal and interest. Of course this upset my lender and they are now refusing my P+I payment and sent me a letter of there intent to foreclosure on me. I am a single parent and ca n't afford to be overcharge, my lender required me to make these overcharged payment for 3month while they investigate which I did only for them to tell me that they do n't understand why the overcharge still appear after the escrow analyst. I need help!
02/26/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	SC XXXXX	Web
We have been trying to work with Ditech/Green Tree since XX/XX/XXXX to request a loan modification. Each time a package was received, Ditech would request additional information via mail, we would provide the requested information, they would say that the originally submitted information was out of date and deny the application based on an incomplete application. They have twice filed for foreclosure, both times while a loan modification request was being considered. In XXXX of this year, we had a hearing with a Judge on the foreclosure and based on the information submitted the lender was required to review our documents for eligibility. We received a denial letter, and that denial was based on a bankruptcy that was discharged in XXXX. We were offered no process or opportunity for appeals, even after we requested such from the lender. I believe that this lender has not complied with the requirement of RESPA or FHA when it comes to evaluating the property for options for loss mitigation. We experienced a temporary loss of income when this happened, however after it became 90 days delinquent they would not accept additional payments from us, which has created a snowball effect of late payments. Any help you can provide is greatly appreciated.
12/13/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90803	Web
DiTech had setup an escrow account without my consent or knowledge. They claim that there was a gap in my insurance coverage. Apparently according to them my insurance company renewed my policy at a lower coverage then was currently being covered. At the same time I had secured insurance coverage from another company ( more for less ), which was no problem but Ditech claims that I owed them for a month or two and instead of letting me pay the gap, they started an escrow in which they deposited my timely payments and deducted the gap amount, then reported my payment late. I had auto payment set up with my bank and they assure me that all payments were sent on time and statements support that. I finally got in contact with someone last month, that explained the situation to me, as I only found out about it by checking my credit report and saw the late payment notices. I immediately paid the amount owed, even though it seems unusual to me that an insurance company would renew a policy for less. Not worth my time to argue over a {$100.00}, I just paid it and asked that they remove my late payment marks on my credit because I never made a late payment. They have refused to rectify the situation and my credit is being unfairly damaged as a result of it.
05/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 080XX	Web
I recently filed a complaint about this under complaint # XXXX. Ditech responded but gave you false calculations and you closed the case. I responded to their response. According to DiTech they paid taxes in the amount of {$1500.00}, {$1400.00}, {$1400.00} and {$1600.00}. The tax Bill shows {$6100.00} that would only be a shortage of {$94.00}. No dates of payment do not appear on my copy. Ditech paid homeowners in the amount of {$1000.00} The Premium is {$920.00} A difference of {$140.00} {$6100.00} + {$930.00} = {$7100.00}. DiTech shows a beginning balance of escrow as {$9400.00}. That is an overage in escrow of {$2300.00} in my favor. How is it possible that my payment went from {$1000.00} to {$1200.00}? Please also note records from a conversation with XXXX of DiTech who admits a mistake on Ditech 's part. If you look at the picture I sent you of DiTech 's Escrow eval you will see that added an extra tax payment of $ {$1600.00} ( E ). XXXX said that was a mistake right there among others. That there was an overpayment in Escrow and she couldn't fix it so she had to escalate it to the escrow analysis dept. Not only was there no response to the escalation, but fees are accruing and my credit is being damaged. Thank you for your time.
05/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92646	Web
My home loan recently began being serviced by Ditech earlier this year. I had a loan modification about 3 years ago and everything has been fine. I 've been making timely payments. Then about 3 months ago, after Ditech took over my loan, the deferred balance on my statements changed and it has not changed for 3 years. I called and spoke with multiple people at Ditech who did not know where the amount came from. So they told me to put in a written request. I did and only received a letter stating that deferred interest was added, but no information on where the deferred interest came from or how they calculated it. It was only a XXXX page letter stating that Ditech did n't do anything fraudulent. So I called Ditech, referenced the letter, and still no one was able to tell me where the deferred interest came from, even after speaking with a supervisor who said that he would escalate my inquiry so I would n't have to put in another written request and wait 30 days. On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Ditech stating that I needed to put in another written request and wait 30 days. I do n't see why i need to put in a second written request when they never fully answered my first request to provide details regarding the amount.
03/11/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	GA 30252	Web	Servicemember
I am have problem with my mortgage company ( Green Tree Servicing later became Ditech ) giving options to save parents home, which happens to be my primary residence. To give a short background of the situation, after both my parents passed away I relocated from XXXX to XXXX and when I got behind on the payments I asked for a loan modification and was asked to probate my Mother will and get the Deed in my name. I was turned down for the first loan modification and I was told I did n't get the deed in on time so I was turned down a second time. After this, I got lawyer so they could help me get a loan modification and we were both told the way they could help me was me that if I bring the loan current I could assume the loan, so after that a few weeks I was asked to send in all the paper work again for a third loan modification ( with the deed and the dates of past 2 loan modification that I applied for ) and was still turned down, because I may now own the property, but I am not on the original loan ( even after I turned in all the paperwork after my XXXX passed that I was financially responsible for the loan ). The issue started back in XXXX XXXX, and the three attempts for modification was 2 in XXXX and one XXXX which they told me to apply for.
10/26/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	GA 30016	Web
Ditech received a complete loss mitigation application on XX/XX/2018. Ditech reviewed the loan for a modification and the request was denied. The enclosed loss mitigation denial letter was sent to our attorney on XX/XX/2018. Ditech apologizes for any inconvenience or confusion you have experienced as a result of this issue. In a further effort to assist you, Ditech submitted a request to the investor for an exception to approve the modification, but the investor denied the request. The investor is XXXX XXXX. We asked to get on a repayment plan that XXXX XXXX offers on " Know Your Options ''. What is a Repayment Plan? With this option, you spread out your past due amount added on to your current mortgage paymentsover several months in order to bring your mortgage current. A Repayment Plan may be an option if : You are ineligible or dont want to refinance You are facing a short-term hardship You are a couple ( or several months ) behind on your mortgage payments You can now afford your monthly mortgage payment Ditech stated we can't apply for a repayment plan. It appears Ditech and XXXX XXXX are not trying to work with us on our mortgage. There are several options to help homeowners however we've been denied on the services that are offer.
06/26/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 91730	Web	Older American
My loan was sold to Ditech in XXXX XXXX. At that time my mortgage was paid up one month ahead. I continued to make my payments to Ditech each month despite being one month ahead to carry that cushion but my payment in XX/XX/XXXX was applied all to principle instead of principle, interest, and escrow. As the result, Ditech sent me letters stating I was late yet I paid every month. The continued to charge me late payment fees and sent late to credit bureaus. In addition, I request that my escrow impound account gets cancelled so I can pay my taxes separate ( which I had previous done prior to my refinance in XX/XX/XXXX ) yet, Ditech rejected my request stating " value of property is n't 80 % of the principle balance ''. Apparently, according to Ditech they went off an old XX/XX/XXXX Deed Of Trust ( reflecting value at {$240000.00} ) which is n't correct. I sent Ditech a copy of XXXX XXXX Tax Board XX/XX/XXXX current value of my property {$280000.00} to {$300000.00} they have yet to respond to my second written request. Yet they have increased my mortgage payment {$80.00} citing increase in property increase, which indicates my value has increased. Again, when I purchased my property I did not have my taxes impounded until I refinanced XX/XX/XXXX.
06/27/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85364	Web	Older American
I had a loan on my house. It was supposed to be paid off by XXXX, XXXX. Ditech bought my loan. I noticed that the escrow account was high. They say that they sent me a letter stating that it was in default by XX/XX/XXXX, but I didn't see the letter. I kept going on the website and paying them. Today, XX/XX/XXXX I was contacted by them, and they stated that they were putting me into default on XX/XX/XXXX. They refused to take the final payment on the house, which is XXXX. They said they wanted XXXX by next week. I begged them to let me continue paying on the escrow, and they said no. I spent a long period of time on the phone with XXXX, and she kept getting off to talk with someone else. I bought the house in XXXX, and it was paid off in 24 years. the house was paid off on time ; they NEVER asked me to increase the amount of payment on the escrow, and now they're tacking on late fees. I always answer the phone, and I was on the website repetitively. I would have been glad to remedy this : now they're going to ruin my credit. I think they are pursuing predatory lending policies and I want someone to help me. I do not have enough time to get the loan for the escrow amount before the principle which they refuse to let me pay off goes into default.
08/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 47302	Web	Older American
My mortgage company XXXX sold my mortgage to Green Tree Servicing in XXXX. I was told that it would be seamless. Instead, I started receiving collection notices even though my payment was made to XXXX in XXXX from my auto-pay with my bank. Green Tree says they have not received the payment even though I have submitted the documents requested including my bank statement showing the loan amount deducted from my bank account on the scheduled day and the email from XXXX acknowledging receipt of this payment. A representative from XXXX also conference called a customer service representative named XXXX and reaffirmed my payment and the date the file was transferred to Green Tree. Also, I was originally told I could n't make my XXXX payment until the XXXX payment issue was resolved, so that payment was also outstanding. Finally on XXXX XXXX, the collection department urged me to make and accepted a payment for XXXX over the phone which is now showing as having paid my XXXX payment. Where is my money I paid in XXXX? Why is it taking so long to clear up a very easy situation. Please help me get the XXXX payment applied as it should have been by XXXX XXXX in this transition according to the information I received about the move to Green Tree Servicing.
01/08/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MA 010XX	Web
I am going to upload a XXXX page letter I sent to XXXX XXXX, who represents Ditech, my lender, and they have announced foreclosure auction on XX/XX/XXXX!!!!! Need Division of Banks to call Ditech at XXXX IMMEDIATELY to ask for a 60 day postponement of the sale, since it is now 7 business days before the Auction. Ditech address is XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX Account number is XXXX my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and my email is XXXXXXXXXXXX, my phone is XXXX or XXXX. I need to know RIGHT AWAY if Ditech will agree, I faxed them a complete copy of my letter and XXXX documents to XXXX XXXX, their lawyer, on XXXX/XXXX/XXXX at XXXX XXXX. I had a predatory loan through XXXX that I believe is INVALID XXXX does NOT own both the Note and Mortgage, as Ditech says, and can not therefore foreclose The notice of default is defective, sent by Ditech rather than the XXXX Order of Notice under Servicemembers Act is over one year old XXXX, through Green Tree, has waited more than 5 years to foreclose since our last paym, ent XX/XX/XXXX I want a Temporary Restraining Order for 60 days so I can further investigate the unfair and deceptive practices of all lenders, banks and attorneys. Please see XXXX documents. XXXX and XXXX XXXX
08/04/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91320	Web
I applied for a loan modification with XXXX XXXX XXXX in XXXX, never missed a payment, supplied requested documentation multiple times. They played games and avoided providing the government modification program I was eligible for that provided for $ XXXX {$100000.00} HAMP reduction in principal because I never missed a payment. I attended a XXXX event to push it through at which point B of A said their computers were down and they could not do it, then they immediately sold my loan to Green Tree to avoid modifying my loan. Green Tree did modify the loan, but they failed to provide the government incentive for not missing a payment. This was clearly a Bait and Switch. In at least three recorded phone conversations ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and one letter XX/XX/XXXX customer service representatives mentioned the incentive to me. Green Tree sold out to diTech. About the time my 5 years of no missed payments occurred and I should have received my incentive reduction from my principal, diTech filed for bankruptcy. I requested my principal reduction and have been denied it stating that I am not eligible. I believe this is fraud and that someone absconded with my government incentive funds. Please investigate and advise. Thank you.
12/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AR 723XX	Web
We have been in our home since XXXX of XXXX. My husband became ill in the latter half of XXXX and was in XXXX status since XXXX XXXX which took a heavy toll on our household income. I began to contact then Greentree Servcing LLC as to our hardship and was given instruction on the paperwork needed to begin a file process of necessary documents. I obtained all documents asked for and submitted to Greentree Servcing LLC. Each time I was told I did not qualify for HAMP due to all documentation not in file which now left us behind on payment due to the fact we were told if our payments were current we would not qualify for HAMP. I was then told I could do a deferment but would no longer be able to pursue the HAMP for at least a year after the deferment. I was then asked to make a payment of roughly {$800.00} plus dollars of which I did and set up an additional payment for {$620.00} to be debited on XXXX XXXX, XXXX and I did that as well. Now Ditech has began calling continually saying I owe {$800.00} plus dollars in late fees. We have continued to struggle to work with Greentree ( Ditech ) to keep our home but to no resolution. Please point us in the proper direction we pray for relief to this matter. Thank You, XXXX and XXXX XXXX XXXX, XXXX
05/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	NC 28303	Web	Older American, Servicemember
In XXXX i called and complained about Greentree Services taking my name off the account to push it thru from XXXX. When I called they told me XXXX merged with Greentree and they took all the accounts. They took my name off and put my cousin who was the original cosigner when we initially purchased the home. I paid for years to find out the 3 bedroom mobile home was in my cosigner 's name only after paying over 11 years. He never paid XXXX. Greentree took my money and sent the bills to me for years. I complained about them in XXXX trying to settle why my name was off the paperwork. Reps called harassing about the payments when I was late but I kept paying. Im a XXXX year old lady that paid for this home all these years and was told a settlement check was going to be paid to the person name on the account and refused to talk to me. I have receipts and billing statements they sent to me in my name and his. When I asked the cosigner if he recd a settlement check he refused to say. I have my proof and taking him to court but was advised to complain online to CFPB. Please assist. CI really need my owed money Greentree from me. Feel free to XXXX. I have the cosigner 's address and phone number and will supply when need be to resolve this situation
10/14/2019	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX 76544	Web	Servicemember
All happened today, the day this complaint was submitted. I tried submitting this complaint multiple times after calling twice. Disgraceful. This complaint is directed toward Ditech Financial LLC, the company that owns my mortgage. I tried reaching out to see about loan modification or forebearance, very temporary until XXXX. Background : After reevaluating my finances due to taking a XXXX dollar pay decrease from military orders sending me to Texas and my wife being forced to quit her job, Ive determined I need help with payments until XXXX when Im in a better financial situation ; a forebearance plan came to mind. Problem : I contacted your representatives who told me there was nothing they could do due to the fact my loan was owned by XXXX XXXX ; that I would have to be in a delinquent status. I called back shortly thereafter for a second opinion and was put on the line with a specialist. This specialist could not give me a single reason why I couldnt do this, nor was willing or able to provide written documentation as to why I would not be able to go through with a forebearance plan. She simply said no without any written regulation to back it up. Does this not sound ridiculous? Does this not affect credibility with your company?
07/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84093	Web
In XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with DITECH that was charged off on XX/XX/XXXX . Since XXXX it has reported me late every month - even though the account is charged off and closed. In XXXX XXXX I called Ditech and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $ XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with XXXX XXXX . He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.
06/23/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 93004	Web
On XXXX XXXX, 2015, I spoke with XXXX XXXX from Green Tree Servicing. This is the company that bought my loan from XXXX XXXX. After trying for a year to do a short sale on my condo, I was forced to keep it because they would not agree to a settlement. After trying to negotiate with them for a year, I decided to rent out my condo because it was going to go to foreclosure. I do not want to keep the condo, and the bank is recognizing this problem, but they can not do anything about Green Tree. Consequently, they continue to ask for documents that they already have. THis has been going on for a year. They continue to harass me with telephone calls and tell me to go to relatives to borrow the money that I owe them. XXXX XXXX told me to ask my " sugar daddy '' for money. He said that they did not want to make an offer because I might have won the lottery without telling them. This was very disrespectful and uncalled for. I find Green Tree to be very unethical and practice bad business habits. Now, I am again back to the beginning with them asking for more documentation. Its just a vicious circle. I can not get an answer from them. I am submitting this complaint, so that someone will answer my questions. I just want a resolution, so I can proceed.
10/31/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MO 64086	Web
I have disputed these accounts and I have not received any evidence of any transfers from the entity recorded as lender on the Notes of which Ditech has been trying to collect on, instead the have sent me as validation copies of unendorsed Notes as validation. I have received a copy of an affidavit stating that Ditech has purchased one of the Notes and yet this was not recorded into the county records. Ditech has reported false and misleading information to the XXXX CRA 's including but not limited to double reporting the debt under 2 account # 's for each Note one current and one late for the same amount. XXXX has denied them the right to report due to not being able to produce proper documentation on one of the accounts.The CRA 's have reported different information on my reports monthly and have refused to send me a copy of my files submitted to them to validate any debt. XXXX stopped reporting for six months due to lack of proof but now has determined to start reporting again although they show no information as to the payment history. I have retained an attorney to handle these problems and repeatedly stated that Ditech contact him in these matters but to date they have not attempted contact him but instead have continued collections.
02/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DE 198XX	Web
Loan # XXXX Ditechh, Greentree Services To Whom it may concern ; The reason for filing this complaint is to report the incompetent and severe consequences I have encountered due to the actions ( lack thereof ) of Ditech & Greentree Services For the transition period XXXX XXXX, XXXX XXXX XXXX, XXXX is due to several components. The most significant impact and issues are primarily due to the following : XXXX, XXXX loan modification program started I set up monthly scheduled Direct banking payment to Greentree Services XXXX XXXX Greentree Services called asking for a payment " over the phone '', stated XXXX payment had not been received. Greentree Services told me to call the bank to " stop XXXX payment ''. I made a payment over the phone & paid {$30.00} fee to stop the issued payment. XXXX payment was received by Greentree Services in XXXX ( have bank documentation proof ) Greentree Services did not post until XXXX. I was told " do n't worryabout it '' Submitted XXXX payment on time. Greentree Services returned XXXX payment back to me, stated I was rejected from the program due to none payment in XXXX. Combined with NOT finding regular employment Low Sales of running a small business are the reasons for being behind on the mortgage payments.
09/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WV 255XX	Web
My Mortgage was sold to Green Tree Servicing approximately in 2003? I have experienced many fraudulent actions with them. I was told I had to take their insurance because I had let my insurance lapse, that was not true and I had to acquire proof from my insurance company that I had in fact never lapsed. So I won that battle, However : My Mortgage is not a XXXX Loan, It is in Ohio, the home is deeded to the property and Greentree refuses to acknowledge this fact. If I pay an extra each month, they apply it to my next months payment, It clearly states in my Mortgage that any additional payment is applied to my principle. I have also received XXXX statements that have been Higher the following year.I have never seen interest that you have paid go up! I have been collecting amortization schedules each year. The numbers change each year. I have brought this to their attention with no resolution. I turned a claim in to the XXXX, also with no resolution. I would like some help. I did have a Finance Annalist review my amortization schedule and XXXX 's appropriately 5 years ago and they felt that Greentree with misapplying, has created a balance that is approximately {$10000.00} to their favor. I would like to know how to get help with this issue!
03/28/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 49464	Web
I sold my home and closed on XX/XX/XXXX. The escrow amount sent to me in check form was XXXX. This check was deposited and came back as insufficient funds. Ditech is the Mortgage company who I had my mortgage loan through. When I called they said that they would issue a new check. I have called several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX and they always tell me an excuse. Either they duplicated it and it was cancelled, that it may have been lost in the mail and we will issue another one, the first reason was that too many checks were being processed and that it was mailed late and now no reason, we will call you back. So I wait. My wife has also spoke with two different managers to try and resolve the problem and they keep giving us excuses. When I call they tell me they will send a new check and one never arrives. I have asked for it to be overnighted and still no check. I have also asked on XX/XX/XXXX to wire funds into my checking account and they told me they could not do that. I am getting no where quick and now we are heading into XXXX, over 3 months of trying to get my escrow balance from them and I am getting the run around. They are rude and make excuses every time I call.
12/18/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	AZ 853XX	Web
In XX/XX/XXXX2017 we started the process of refinancing our 2nd mortgage held with Ditech. The rate is 8.6 %. We attempted a few years back to refinance with Ditech ( formerly a XXXX loan ) to lower the rate but they would not do it. The new bank we are working with saw that the 2nd mortgage loan had two liens placed by XXXX. I contacted Ditech by phone to attempt to resolve the issue and sent an email on XX/XX/XXXX/17. They sent a letter with information that Greentree was now Ditech but I could not access the letter and was not the resolution to the issue. I called Ditech a few more times. When I have talked to the Ditech representatives by phone they can not locate the documents and could not help. On XXXX/XXXX/2017 I called and was told Ditech was going to do a title search. On XXXX/XXXX/2017 via email I sent copies of the two recorded deeds from the XXXX XXXX Arizona XXXX online service. I called Ditech on XXXX/XXXX/17 and asked to speak to a supervisor. I was told a supervisor was not available and they would call me. Ditech has NOT responded at all since I started contacting them in XXXX 2017. The rate is XXXX us and we will refinance but Ditech must be held accountable for the terrible service and continued interest accumulation.
06/24/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	IL 60102	Web
Hello- I began paying Ditech additional money towards principal beginning XXXX 2016. I sent XXXX checks. XXXX for my normal payment and XXXX with principal written on the memo section. The mortgage company misapplied my payment. I had to call 3 times in XXXX to have it resolved. I let them know I planned on paying extra each month and to always apply extra to principal. I was assured this would be ok going forward. I then paid my XXXX payment on the Ditech website and indicated the extra amount should go to principal. The payment was again misapplied. I 've called them now 3 times in XXXX to resolve. The mortgage has been applied as of XXXX XXXX. The payment was made XXXX XXXX. However the extra {$500.00} I paid is now sitting against " late fees ''. There are no late fees due on the account. I am worried about the mismanagement of my account and afraid I 'm not receiving the proper credit of payment. I can not call 3 times each month to instruct how payment should be applied. The mortgage company should be able to handle extra principal payments. This is a normal occurrence in the mortgage world. Also my loan is a fixed rate. They have been listing me as a variable rate the last 2 months. My contracted paperwork is for a fixed rate loan.
08/02/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 60563	Web
Our firm represents a borrower in default on an FHA mortgage, currently under contract with a purchase price that meets the investor 's required net. Ditech denied the short sale because ( 1 ) the property is not owner occupied ; true, and ( 2 ) Ditech states the borrower has a credit score of XXXX or above. The borrower disagrees, has researched her credit score, and it falls below XXXX, therefore making the denial invalid and the short sale should have been approved. A written request was submitted to Ditech by the homeowner ( as instructed ) on XXXX XXXX, 2016. The following was requested in dispute of the denial : ( 1 ) The type of credit scoring module used, ( 2 ) The date of the credit report, ( 3 ) A full copy of the credit report, upon which the sale was denied. As of yesterday, Ditech has not provided any of the information to the borrower, and it remains " under review ''. Ditech has had this under review for over 60 days with no time frame for review to be complete. This has taken too long and the homeowner is in risk of foreclosure. Please contact our office should you have any questions : XXXX XXXX ( XXXX ) XXXX, e-mail : XXXXXXXXXXXX. Office hours are XXXX from XXXX until XXXX. Thank you in advance for your assistance.
10/16/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AZ 85207	Web
Ditech mortgage has recently ( XX/XX/XXXX XXXX ) placed a " Charge Off '' on my and my wife 's credit report for an account we never had with them. They took over Greentree, who had taken over the account we had with XXXX XXXX XXXX back in XX/XX/XXXX which is when we filed for and went thru CH XXXX Bankruptcy. That account was in our Bankruptcy, which was issued a Final Decree on XX/XX/XXXX, which is over 1 1/2 years ago and prior to Ditech servicing of Greentree accounts ( which began 2 months ago ). Therefore, we never had an account with Ditech and they should not be reporting our account as a charge off with them. They simply have never had any claim on us as the account with Greentree was closed and covered under the bankruptcy 1 1/2 years before they took it over from Greentree. Please have them remove this immediately. I have made several calls to have them correct their errors, but like all other mortgage companies, they do n't return calls. Ditech ( XXXX ) XXXX MINNESOTA XXXX XXXX XXXX, XXXX XXXX, MN XXXX they claim charged off $ XXXX was with 1 ) XXXX # XXXX, then 2 ) Greentree XXXX XXXX and now suposedly 3 ) Ditech XXXX XXXX ( full account number not reported by Ditec ) Thank you for your assistance. XXXX and XXXX XXXX
08/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75150	Web	Older American
I submitted XXXX PAYMENTS on XXXX separate occasions several years ago on my 30 year mortgage. Instead of giving me instant credit on those payments the Mortgage Servicer XXXX, simply gave me credit as the mortgage came due. I have PAID OFF MY MORTGAGE. However I believe it should have been paid off a month earlier. GREENTREE refunded part of my escrow in the amount of {$1500.00} which I find strange, on XXXX/XXXX/2015. I asked the GREENTREE MORTGAGE FOR MY DEED on XXXX/XXXX/2015 and the woman answering the phone said under Texas law they had 38 days from XXXX/XXXX/2015 to send me the lien release WHICH I THEN AM SUPPOSED TO TAKE to the tax appraisal district and obtain the FREE AND CLEAR DEED to my property. The trouble is TODAY IS XXXX XXXX, 2015, I have yet to receive my lien release. The representative of GREENTREE said they merely mail it by regular mail and she claimed it had been mailed out on Tuesday XXXX XXXX and that I should allow 7 to 10 days. That tells me they did not mail out the document which represents title to over {$100000.00} and I request that your office investigate, the failure to give me proper credit on the monthly accelerated payments years ago as well as resolve their failure to give me a lien release.
04/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30286	Web	Older American
We ( my late husband & I ) owned property which was in his & his brothers name. Financed thru BofA, sold to Green Tree and now DiTech. After my husbands death I ended up owning the property XXXX %. It is rental property and I make all of the payments, etc. Yes, I have been late on several payments but always catch them up and pay any late charge associated with them. I just received a call from DiTech saying that they received my XX/XX/XXXX payment, but would not be applying it to the loan, as it was not the total amount due. I asked what the extra amount was for, please break it down for me and she said she could only give me limited amount of information on the account and she would not be applying my payment. My husband has been deceased for 7 years and I have always spoken with this and previous companies regarding the loan and payments. They have had my brother-in-laws permission to speak to me regarding anything to do with this loan for many years. Even though I always pay any late fees, if I am not mistaken, the original loan papers say any outstanding late fees, etc. will be added to the end of the payment schedule/final payment. How can a financial institution treat and threaten paying customers in this manner? Is this legal?
02/02/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	PA 19027	Web
XXXX XXXX XXXX and Greentree and Ditech are all adding fraudulent charges to my account just to try to take more money from me that they are not owed. I wrote a check to them for my full mortgage payment every single month since the inception of this loan, for full principal and interest payment and they cashed my checks and did not credit the amounts to my account. I called and wrote and tried forever to resolve it with them. then they started collecting my checks and holding them and not cashing them. by miscrediting my payments and then later not cashing the checks at all, their scheme was to then start charging me all sorts of fees and accusing me of being late and not paying. they called many times and spoke rudely and calling me names and threatening me with foreclosure and would not acknowledge the reality of the situation which is that they received and cashed my checks. then they began returning my checks to me after holding them for months. they continue to threaten me with foreclosure. I tried to talk to their attorney who also seems to be in on the scheme and told me and my attorney that I should stop sending checks because if I dont send a huge amount with the thousands they allege are overdue they wont accept the checks.
10/03/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93550	Web
I went bankrupt in 2010. At that time XXXX with the holder of my second. I was informed XXXX went bankrupt and my second was charged off. This is documented on my credit report. Due to a divorce, I was required to refinance my house in my name. When I went to do so, I was told that Di Tech had a lien on my house and that they had " purchased '' my second. They refused to settle for lesser amount unless I completed their hardship paperwork. I completed and they refused to settle, stating there was equity in the home and that I would have to subordinate their lien. I had the mortgage company request subordination. They refused to sign, stating that I was over the 9 months in my divorce court order to refinance. Throughout the process, Di Tech has dragged their feet, stated they have not received paperwork, and refused to cooperate on this very questionable lien. Some of the ways they did this was giving me the wrong contact person and email, stating they did not receive paperwork ( I resent at least five times ), taking long periods of time for turn around in regards to response to requests. I started this process over six months ago with them. I was trying to get a XXXX refinance, which I understand they are required by law to accept.
08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX XXXXX	Web
Ditech Mortgage Company did NOT send the Statement on XX/XX/XXXX for XX/XX/XXXX payment, we received the statement until XX/XX/XXXX, check was sent for XX/XX/XXXX and XX/XX/XXXX, check was cleared for both months on XX/XX/XXXX but they reported it as late payment, both my wife and I have had EXCEPTIONAL credit, now both credit scores are affected. XX/XX/XXXX Ditech went on Bankruptcy, we found out on late XX/XX/XXXX. Was until XX/XX/XXXX in the process of refinancing we found out that this report was done, could not get in touch with DITECH, had followed up multiple times with XXXX XXXX XXXX who purchased our loan by telephone, via email, and certified letters, two previous complaints filled with CFPB, more then 30 days passed and now the latest response from XXXX dated XX/XX/XXXX states they need additional time when is already more than two months we still waiting for. We can NOT give XXXX XXXX XXXX more time. Ditech can not be contacted since telephone is no longer in service, I contacted on XX/XX/XXXX via certified mail XXXX at XXXX XXXX XXXX XXXX, PA XXXX the address provided by XXXX XXXX XXXX and no response, they do not answer the listed telephone as XXXX in XXXX XXXX Minnesota so my letter came back yesterday XX/XX/XXXX.
06/15/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	WI 535XX	Web	Older American
In XXXX of XXXX Greentree Mortgage sold my mortgage to Ditech Mortgage who as of XX/XX/XXXX has gone out of business and transfered all of their remaining mortgages to XXXX XXXX dba XXXX XXXX XXXX. On XX/XX/XXXX I received a letter from Ditech stating that they just happened to have missed that my FHA PMI had been charged to me from XXXX of XXXX to XX/XX/XXXX ( just a slight 4.5 years of errors ) or {$1300.00} of over charges. Now what's interesting is that when I contacted Ditech in XXXX after they had sent me an increase to my payment from {$530.00} to {$550.00} for {$90.00} of a XXXX city tax increase and a {$14.00} annual home insurance increase, I challenged them on these increases but paid {$530.00} so not to have a late underpaid payment on my record. In XX/XX/XXXX I finally got a review of my mortgage by Ditech and they dropped my payment from the {$550.00} to {$500.00} which I paid {$500.00}. Unbenownced to me, Ditech having filed for bankruptcy in XX/XX/XXXX had passed all of this {$550.00} misinformation to XXXXt and never told them about the FHA PMI issue. Can FHA return my excess payments of {$1300.00}? Is there a bankruptcy fund for Ditech that I can file a claim against or can this be credited to my new XXXX mortgage?
11/29/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MS 39110	Web
I was foreclosed on during remodification process. I was led to believe that I was being processed in XXXX with documentation from the servicer with contact numbers that would not except my calls or relay me to an extension of the rep. whom was handling my case when trying to contact and follow up. Ultimately I was given a 3 day notice of eviction by the Sheriff ( XXXX XXXX XXXX @ XXXX ). I had filed for bankruptcy protection and the law firm went to court to have it lifted as I was awaiting a modification. I later was informed by NACA ( 3rd party entity ) helping with the modification that the home had been sold in XXXX XXXX. It was XXXX when I received the modification documentation. I was receiving billing statements monthly throughout this year. The servicer did not : Quickly resolve complaints and share information. Have and follow good customer service policies and procedures. Contact you to help you when youre having trouble making your payments. Work with you, if you are having trouble paying your mortgage, before starting or continuing foreclosure. Allow you to seek review of the mortgage servicers decision about your loan workout request. I am now leaving the home with a XXXX and XXXX under XXXX circumstances.
04/15/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 894XX	Web
I sent a check from my insurance company to Ditech for the damage to my home because of a fire on XX/XX/18. I was told these {$220000.00} plus funds would be held in an escrow account until they are needed for construction. Im having an issue with DiTech releasing my insurance funds so that construction can begin. The first claim I submitted for the demo of my burned home took 1 month to receive, now Ive submitted for the first payment to the contractor to begin the build in the amount of {$40000.00} and its been 19 days and still nothing. Ive called several times and was put on hold for 45 minutes at a time and never getting anyone to answer the phone. When I finally found a different phone number for DiTech I got someone to answer but he didnt help me at all, only to put me on hold several times and then he asked about inspections and then the final comment that topped it for me was wherein he started saying something about the investors What investors, you have my insurance funds and they need to start being released I said. I need help with receiving these funds as my insurance company has a cut off date and then they will close my claim. If I can't get DiTech to release my funds how can I move forward with construction.
07/17/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA XXXXX	Web	Servicemember
I received my billing statement on Saturday, XXXX XXXX , 2017. The billing statement shows XXXX / XXXX /2017 as the Statement Date. The XXXX / XXXX /2017 Statement Date implies that this bill took 14-15 days for delivery to me. For this reason I do not believe that the XXXX / XXXX /2017 date approximates the date when the bill was presented to the US Postal Service for delivery to me. My expectation is for the Statement Date to b e the date when the Statement was prepared. I have brought this problem to the attention of th e Green Tree ( DiTec h ) organization on previous occasions ; their assertions as to bill processing are unsubstantiated and therefore are viewed as unresponsive. XXXX Recent XXXX notices indicate that XXXX XXXX XXXX is approaching a time when the shares will no longer meet the XXXX listing requirements. XXXX XXXX XXXX also has proven itself unable to submit Financial Reports free of material error. XXXX XXXX XXXX appears to be in breach of its loan covenants. To date there has been no advice from XXXX XXXX XXXX as to what the debtor responsibilities may be if/when XXXX XXXX XXXX goes into liquidation or becomes unable to perform the servicing business.
06/21/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 76123	Web
My mortgage on my home in the state of Illinois was discharged via Chapter XXXX, the lender at the time was XXXX XXXX XXXX. I never reaffirmed the home, I have received a loan modification, XXXX to be exact but NEVER reaffirmed or refinanced the mortgage loan. On my credit report is has always showed a closed real estate account with a XXXX balance due to the debt being discharged in the bankruptcy. My husband and I divorced, I managethe home as a rental property, the mortgage is not current due to a problem paying tenant. the home mortgage has been sold to Ditech Financial in recent months, they have began reporting this on my credit report and I have not refinanced or reaffirmed the mortgage with them either so how is this possible? This is truly damaging my credit and I would like it removed. I tried to get a modification through DITECH and was denied, I asked for a repayment plan but what they offered was ridiculous for my situation, they asked for {$1000.00} a month in addition to the current mortgage and so I am in the process of either doing a short sale, deed in lieu or simply walking away. Since technically I am not liable for this debt any longer as a result of the CHAPTER XXXX, this should not be reporting on my credit.
07/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94024	Web
On XXXX XXXX, 2015, I deposited a cashiers check ( {$33000.00} ) with Green Tree 's bank ( XXXX ) to pay off my Green Tree mortgage. As instructed by Green Tree, the cashiers check had my name and mortgage account number in the memo section so they would know which mortgage account to credit. I confirmed that the check was deposited to the Green tree bank account ( # XXXX ) I checked a few weeks later since I had n't gotten any loan pay off papers. Green Tree said they had gotten nothing. I obtained a copy ( front and back ) of the cashed Cashiers check and sent it to them. They looked at this and admit it looks like they got the money, however they ca n't find where it went. They are now " researching ''.. It has been more than a week of researching and almost three weeks that they have had my money and they do n't know where it is nor will they credit my account.. Meanwhile, they show a payment is due for XXXX XXXX. I asked that they change this since in fact, I owed them nothing. Of course they could n't do that. Instead they said " Oh we wo n't report this as late for 30 days ''. Like they can be trusted. At this point, I have no faith they will " find '' my money and I will likely have to hire an attorney to get my $ {$.00}
06/15/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95765	Web
XXXX applied an impound account to our mortgage due to unpaid property taxes ( XXXX ). These taxes were included in our bankruptcy and should not have been paid to XXXX . Our attorney opened a motion with the courts and XXXX then removed the impound account. Looking back at our monthly payments with XXXX during the time they applied the impound account it looks as if they miss applied the funds making it look as if we were a month behind. Moving forward XXXX sold to Green Tree and then to Ditech. O ur final payment to XXXX was on XXXX / XXXX / XXXX but was applied to XXXX instead of XXXX . We were still in bankruptcy so we were unaware of this, as this is not noted on any of our statements. At the end of our bankruptcy in XXXX we were contacted b y Ditech sayi ng we were 30 days late on our payment. We have disputed this with XXXX , Green Tree and Ditech. Nobody from any of these companies have given us a date as to when a payment was missed. It all started during the escrow impound account that XXXX imposed on our account. We have bank statements showing all payments were made. There should be no late payments reporting in XXXX . Please review proof of payment history and Bankruptcy documents.
12/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60504	Web
I am behind, but working toward catching up. I have XXXX payment in dispute. XXXX XXXX I received a check in the amount of a full mortgage payment. Dietech sent a letter dated XXXX XXXX, 2015 and check dated XXXX XXXX, 2015, stating the check was a refund of my XXXX 2015 mortgage payment ( which they cashed on XXXX XXXX, 2015 ) due to not begin enough to reinstate. I looked on a monthly statement and it said as of XXXX XXXX, 2015, I was 135 days delinquent. That is not true. Dietech removed a payment from my account- sent out a check- and then listed my account over 120 days due. I still ca n't believe that they would be so brash to out-rightly due that? I have no intention of cashing the check they sent me, it 's not mine. I made my payment, and made another that they are still holding. I do n't like to my insinuations but why would they do this other than to force my account into 120 days delinquency so they can start foreclosure? Why did they remove a payment from my account, when it was received back in XXXX, and it was as I send all of my payments with mailing proof of receipt. I am extremely stressed over this situation and certainly think action should be taken. How many more people have they done this to? It 's not right.
10/29/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33065	Web
My mortgage was being serviced by GreenTree. I am trying to sell my property, so I requested a payoff, due to the fact I was doing a short payoff with my Second Mortgage because my XXXX was more than my First mortgage. On XXXX/XXXX/2015 my last statement with GreenTree stated that my amount balance was XXXX, the past due amount was {$7800.00}. I sent a check for that amount to GreenTree. A few weeks later I received a letter stating that GreenTree was now Ditech, and my check was returned. I requested a payoff letter because my home is in contract for sale. The title company has requested the payoff on XXXX/XXXX/2015, I also called and requested the payoff as well on XXXX/XXXX/2015. Ditech, still has not send the payoff. I have tried reaching out to Ditech XXXX times and was on HOLD for over XXXX minutes each time someone picks up and they immediately put me on hold. The title company is having the same issues, and they are very unresponsive and careless ... I have was refused to speak with a manager on XXXX occasions. I feel powerless. I need your help to obtain a payoff since I have a closing date deadline and I am afraid that I will lose this buyer, since I am in default of my mortgage and wants to sell before they foreclose.
07/18/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 410XX	Web
On XXXX / XXXX /17 a payment was made through my bank account for my mortgage payment to Ditech Financial LLC to an accidental incorrect account number. ( XXXX ) A month later I get a letter in the mail saying the payment was never made because I had accidentally typed the wrong account number in payment information. I called Ditech Financial immediately and made two months payments on XXXX / XXXX /17 to make the account even and Ditech said they would do a research to find funds and apply it to the account. That has never happened. I have filed at least four disputes to get the money back and they keep saying they can not locate the money even though my bank has faxed Ditech the Federal Trace information numerous times to show with 100 % certainty the money was sent and they have the money. I had the bank three way call Ditech with me to verify that funds were sent and they never came back to my account because of a bounced back payment from Ditech. Since Ditech can not find the money in their system they keep denying the dispute. I understand I made a mistake with typing the wrong account number but Ditech Financial for sure received the payment in their account and refuse to make right of my overpayment for my mortgage.
09/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 159XX	Web
In XXXX and XXXX 2015, Green Tree Loan Servicing ( now XXXX ) took fees from my bank account without my authorization. My practice with Green Tree is to call and set up an electronic funds transfer payment from my checking account at the end of the month. The fee for doing this is {$12.00}, which the customer service representative told me in XXXX and XXXX would be waived. I authorized Green Tree to withdraw only the payment amount from my account. I did not authorize the taking of the fees. To compound the issue, at least XXXX customer service representatives from Green Tree have told me that they would see to it that the money taken in XXXX -- without authorization -- would be refunded into my account. This has not happened even though the representatives have taken my bank account information. Is it legal for them to take my account information and to do nothing with it? I know that wrangling over XXXX {$12.00} fees may seem silly, but to me the lying and the taking of unauthorized money are practices that should be stopped. Plus, because of health issues, I have not worked -- except for a bit of freelance work -- full time for nearly fourteen months. Green Tree is aware of my financial situation ; I explain it every month.
02/25/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	OH 448XX	Web	Servicemember
I have a home mortgage through Ditech, formerly Greentree. I mailed this month 's payment on XXXX XXXX, 2016 and Ditech cashed my check on XXXX XXXX, 2016 but did not apply the payment to my account and has since lost the payment/paperwork. This was all unknown to me until I started getting phone calls at all hours of the day and night multiple times a day from Ditech stating my payment was late. When I explained they had already taken my money from my bank account for the payment, I was hung up on or told to fax them a copy of the check from the bank showing the endorsement on the back. After doing so and getting my bank involved, they proceeded to tell my bank that they had never called me or talked to me and they do not have my payment. My bank faxed over a copy of the check they had cashed and Ditech still is unable to find these funds and has yet to apply them to my account. My bank was forced to reissue the payment and has since started mitigation against them as a fraud claim to attempt to get their money back. They are still considering my payment to be late and have assessed fees stating so even though they are responsible for losing the payment, as they have had it in their possession since at least XXXX XXXX, 2016.
05/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 244XX	Web
This is from Green Tree about a double wide that was gave back to them, they sold it for just XXXX dollars and told us that we own XXXX to them. We set up a payment plan of XXXX a month and then they called back after a year and we have to started making XXXX dollars a month. Each month we have been faithful in paying what we set up with them and they have been cashing the checks every month. We received a letter from them stating that we own XXXX and they wanted it in full by the XX/XX/XXXX. I called and got XXXX and she was telling me we did not set up a payment with them. And that every 6 months we need to re-set it up. My problem is this is the first letter that we have gotten in about 4 years from them. She was telling me that we need to fill out a financial statement and mail it back to the company, she is suppose to be mailing one out. She basely threaten us that if we did not mail it back. We have to pay it in full by XX/XX/XXXX. My question is this if this was true then why have they not call us or quit cashing our checks. We have proably been paying on this debt for about 9 years and now they are threatening us. We are doing the best we can do and we are trying to pay for this double wide that they sold for nothing.
07/11/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	AL 35215	Web
When my mortgage company was Green Tree, I was paying 7 % and was struggling. I applied for a loan modification and was rejected. During this time I was in Chapter XXXX. Later I learned that according to the consumer protection agency, many customers were lied to by Green Tree. They were told that they were not eligible for a loan modification when in fact they were eligible. During that time I got behind and got caught up as part of my chapter XXXX. When I got out of chapter XXXX, I tried to get a mortgage refinance or any thing that I could, including any available goverment program. They told me that I was not eligible. They turned me down. At this time they put a statement on my credit report saying that I got behind in payments and it was caught up as part of a chapter XXXX. I guess they did this to justify denying my refinance. Yes I am still paying 7 % when the interest rate is much, much lower. They did take the statement off of my credit report, once I paid a company to clean my credit. I also was told that what they did was not legal. I do not know what to do to take legal actions against them, but I will. Obviously they stand to lose money by charging me what the actual interest rate is these days, instead of 7 %.
02/27/2017	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	GA 30017	Web
XX/XX/XXXX Ditech Financial, LLC Attention XXXX XXXX XXXX, AZ XXXX RE : Ditech Account number To Whom It May Concern : Per this letter, I deny, dispute, and challenge Ditech 's claim that I owe the above referenced debt and the amount asserted. This debt was erroneously applied to my name. The attached recorded mortgage release clearly indicates that the account in reference was only in my wife 's name and that it was cancelled on XX/XX/XXXX. We sold the property in a short sale, and the debt was considered paid in full at the end of XX/XX/XXXX. It is unclear how your company falsely acquired this debt after the property was sold and the debt was cleared out. Moreover, it 's not clear how or why you put this debt in my name. I want you to document that this debt has been satisfied ( again see attachments ), that it is not my debt, and stop negatively reporting false information about me to the XXXX credit bureaus. I want a full investigation of this claim so that this matter can be resolved immediately. For too long, your error has negatively impacted my credit. Please contact me via mail or email ( ) to document that this issue has been resolved asap. I look forward to the timely resolution of this matter. Sincerely,
04/12/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AL 350XX	Web
Our mortgage was transferred to GreenTree Servicing in XX/XX/XXXX/XX/XX/XXXX. There were confusing documentation sent from both XXXX and Greentree in regard to who and where payments were to be sent. I never rec 'd a payment booklet nor an actual statement. I waited and sent a payment in XX/XX/XXXX. The item I did receive from GreenTree said " Informational Statement '' an " This is not a bill '' ... .I paid in XXXX, XXXX, XXXX ( which they held the check long enough to charge a late fee to my account ). But in XXXX, they ret 'd my check and refused the payment that was above the amount of my house payment. SInce transferring my mortgage to GreenTree, it has been a constant complication. I have tried to deal with them but even completed a " loss mitigation/modification pkt '' in order to settle this issue. I have not been informed of the result, p/there statement but instead rec 'd a letter from a lawyer informing me my house would be up for foreclosure on XX/XX/XXXX. Essentially, we never had a prob prior to Green Tree and I have offered and tried to make payments but they have refused to take them making me further behind and adding ridiculous charges/fees. I need help to deal with these people or advice on how to do so.
03/25/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MI 48093	Web
Greentree servicing is my current servicer. They told me on XXXX that my address was corrected and would be uploaded to the XXXX web site on XXXX. I applied for my refi in XXXX and we are still waiting for Greentree to do what they said they would do. They were pointing the finger at XXXX, so I asked them to send me something in writing saying they did their part on XXXX. I just received the mailing today and nothing says their job was done on XXXX as they repeatedly told me on the phone. The person I spoke with is XXXX and I think her extension is XXXX. This company is incompetent in keeping their word. I put in writing to them through email both on XXXX and again on XXXX and they never sent me any thing in writing saying their job is complete, they kept saying it over the phone and I asked for it to be sent in writing and now that I have the mailing there is nothing that says they completed the address. I am now on the phone with them and talking to XXXX out of XXXX, she was no help, interrupted and incompetent. I asked why it is so easy for them to cash my checks and not so easy for them to correct an address as promised. Please help. I have heard bad things about this company and need to get away from them immediately.
09/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	RI 02864	Web	Older American
Ditech is my mortgage company and my town taxes are included in my mortgage payment. I have been paying taxes quarterly but at the end of XXXX, Ditech paid a full year in advance. I received a letter from Ditech dated XX/XX/2019 and was informed that my escrow account was {$3100.00} in arrears. I was informed that I had to pay that amount by XX/XX/2019 or my mortgage would increase by {$290.00}. I consulted with Ditech on several occasions to fix this problem.. I asked Ditech to get the money back from the town and revert to quarterly payments. I spoke with the town today and they said that they offer mortgage companies quarterly payments or they will give a 2 % discount if a whole year is paid in advance. I spoke with Ditech again today and was informed that if they are offered any discount at all, they take it and do not inform the customer of the change. I called the town again and asked the town to refund the money to Ditech so that I could do quarterly payments and I was informed by the town that Ditech has done this to so many residents in the town that the town absolutely refuses to refund any money. As a result, my mortgage will go up about {$300.00} a month. I am extremely upset about this unfair situation.
04/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30291	Web
We are a HUD approved housing counseling agency and we submitted a loan modification package to Di-Tech Financial LLC on behalf of the client on XXXX XXXX, we were consistently following up with the lender submitting documents that were needed to complete the file. DiTech place a foreclosure sale on XXXX XXXX. On XXXX XXXX I spoke with the SPOC on this file and she confirmed that the last documents were received and there was no sale date. The homeowner then sent us a email on XXXX XXXX stating that her home was sold on XXXX XXXX, I then called back into Ditech spoke with the SPOC and she reconfirmed again yes it was a hold on the sale date, however Ditech went through with the sale and hung up rudely in my face I then called back in to make sure she just did not hang up in my face on purpose and the same SPOC said yes the home was sold and hung up again in my face. I truly understand there is never a guarantee that a modification will be done to help a homeowner, but the homeowner SPOC confirmed not once but twice that there was not a sale on this property and she was very very very rude in her communication. No homeowner deserves that treatment rather they are current or behind. We need this foreclosure to be rescinded.
08/05/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MD 20878	Web
My mortgage was transferred from XXXX XXXX XXXX XXXX to Green Tree Servicing LLC. I did received a letter from XXXX XXXX XXXX XXXX notifying about this change. It is my understanding that all servicers engaged in the transfer of my mortgage to send me a notice at least 15 days before the effective date of the transfer. However, I have not received a letter today, XXXX/XXXX/2015, 2 days after the effective date of XXXX/XXXX/2015 from Green Tree Servicing, instructing me on how to make payments, customer service contact information etc. I had use the information provided in the letter from XXXX XXXX XXXX XXXX to contact them and find out what my account number is and how to make online payments. I only have 10 days left to make a payment my mail and Green Tree told me that they will charge a {$12.00} convenience fee for a one time online 'speed payment '. On their website it tells me that my account in not eligible to set up recurring auto-payments, likely because it is a new account. As a result, I will likely be forced to make a 'speed payment ' and having to pay the {$12.00} fee, which could have been avoided if Green Tree would have contacted me at least 15 days before the effective date, as they were required to do.
07/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 34609	Web	Servicemember
Husband received Loan Modification for Mortgage XX/XX/XXXX. Husband died XX/XX/XXXX. I filed for Hardship and received constant delay tactics. I tried to pay off Mortgage Loan by sending {$160000.00} to offset the loan and get it to an amount that was affordable since I had not received permanent notification. When I received an amount for the hardship, the amount was higher than the original amount. Tried to get this matter resolved especially since I just paid against the Principal of {$160000.00}. So, I requested to keep the mortgage amount where it was originally since the modification did not work. GreenTree stated that the large amount was due to taxes, but My husband is a XXXX Veteran and XXXX. explained that the valuation of my property decreased so the taxes are less. GreenTree reported derogatory information against my credit report. Very distraught how the family of a XXXX Veteran is treated by GreenTree. I provided them with {$160000.00}. to get the loan paid in full, and continued harassment. The original signed loan agreement for the modification from my husband indicate that the amount in deferment may be due or paid when the Property is sold. I should just be paying taxes on the property and nothing else.
02/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 335XX	Web	Older American, Servicemember
The company involved here is Ditech Financial LLC, previously known as Greentree Financial. On XXXX XXXX, 2015 I started receiving collection notices for a loan I did not take out. This occurred several years after I thought the issue was resolved. Therefore, I filed a complaint with the CFPB about this collection attempt. That case number was XXXX. After my last communication with the CFPB and the company stating what I expected to happen, I received no further collection action or communication from either. At that point I believed the problem was resolved. About a week ago. I received a XXXX from Ditech Financial LLC for {$1700.00} of debt discharged. When I called Ditech Financial LLC they told me the account was closed and that they would not change or recall the XXXX. Since I did not pay them any money, I do n't know how they discharged the loan but someone must have paid it off. As was covered by the previous case cited above, I did not owe this debt and had never done business with Greentree or now known as Ditech. This XXXX will adversely effect my taxes which will be the same thing as paying this debt I did not owe. Since I did not owe or pay the debt but someone else did, that someone should get this XXXX.
09/20/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 01960	Web
Last year, XXXX XXXX, my wife lost her job. We contacted our mortgage company Ditech about mortgage relief in XXXX XXXX. By XXXX XXXX we were told they had all the documentation needed and it would be a 60 day assessment time to review with the underwriters if we fit into a mortgage relief program. After numerous calls and voicemails I filed a complaint here on the CFPB website on XXXX XXXX XXXX. Later that week we were approved and told to follow the documentation provided by Ditech to enter into a trail phase of 3 months of a relief mortgage rate. The trial period would be three payment one in each month of XXXX XXXX, XXXX XXXX and XXXX XXXX. After that, we were told that they would finish processing the mortgage relief paperwork and finalize the process. It is now XXXX of XXXX, a full year since we entered into the relief program and it is still not resolved after multiple phone calls all we are told is that they will mark our account for it to be reviewed quickly. It is very apparent that they are dragging their feet in hopes that we can not keep making payments and allowing the debt to collect on the account so they can collect a larger fee or we will be forced into foreclosure. Please help us get this resolved.
01/16/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 60056	Web
We were formerly with Greentree, then they changed their name to Ditech. We have been trying to modify our loan since XX/XX/XXXX. We have submitted information multiple times, and have scanned documents to support this. I would be more than happy to transfer all of the documentation to you, but there is a LOT. We received a letter from them that finally after multiple faxing and sending paperwork in via certified mail on XX/XX/XXXX that they had finally received all of the necessary information. Then on XX/XX/XXXX we received another letter stating that our request was denied as " we had n't sent in all of the pertinent information. On XX/XX/XXXX we uploaded a completely new packet ( 3rd try ) and were told today that the file was closed on XX/XX/XXXX and that our account has now been transferred to XXXX ( a new company ) We want to keep our home. We are very delinquent, not because we have not tried to fulfill their requests, but rather because we are getting the run around. We have received letters every other month with a different account representative, and multiple requests for information that we already sent in and have fax confirmations of receipt. Any assistance you can provide would greatly be appreciated.
01/05/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 28311	Web
Several months ago I began pursuing a modification with DiTech Mortgage so I could keep my home. On XXXX/XXXX/XXXX I spoke with XXXX XXXX. He told me the documents they had recently requested had been received and nothing else was needed. I asked him if there was any other info I needed, he said 'no '. On XXXX/XXXX/XXXX I spoke with XXXX XXXX XXXX XXXX who told me there was a huge list of documents I needed as of XXXX/XXXX/XXXX, the very day I was told they had everything they needed. He also told me I had a sale date on my home for XXXX/XXXX/XXXX. I asked when the sale had been scheduled but he could n't tell me. I asked why I was n't informed of this on my call on XXXX/XXXX/XXXX. He did n't know that either. The same day, XXXX/XXXX/XXXX, I called back and spoke to XXXX XXXX who then told me that there was no sale date on the file and that XXXX XXXX ext XXXX was incorrect when he told me that my home would be sold on XXXX/XXXX/XXXX. Ditech is doing everything they can to steal my home without giving me a chance to get current. I 'm working with them in good faith, and they 're XXXX me around and driving me insane. They are either incompetent or liars, and either way their policies and my file should be investigated.
07/17/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AZ 85713	Web
Loan was sold off to Greentree with clear directions for taxes to be paid from our escrow account. XXXX months after Greentree took over we received a late tax notice from our county treasurer. The loan documents given to Greentree at the time of transfer clearly state that taxes are to be paid through escrow. Greentree took not only a lump sum escrow payment at transfer ( specifically for taxes ) but has also been collecting escrow money from our monthly payments ( specifically for taxes ). When we called to see why Greentree was not paying our taxes from escrow we hit a wall of ineptitude and rudeness. Greentree required we send a copy of our late tax bill to their escrow department even after verifying that the original loan documents did indeed state that taxes were to be paid from escrow. Why are customers required to clean up the messes of Greentree when it 's their backwards company policies that are causing these issues? Why do consumers have no say on who buys their loan from their original servicer? Why is Greentree allowed to still do " business '' even after settling with the government for just such infractions? A horrible company with horrible staff. Steer way clear if you have any choice in the matter.
11/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60611	Web	Older American
In XXXX 2016 I requested and received a payoff letter from XXXX for the mortgage on my home in XXXX XXXX XXXX Florida. I received a payoff letter dated XXXX XXXX, 2016 that indicated a payoff amount of {$210000.00} valid through XXXX XXXX. I wired {$210000.00} from my account at XXXX in XXXX on XXXX XXXX to XXXX XXXX as directed by the payoff letter referencing my mortgage account as the beneficiary of the wire.I then waited for the payment to be processed and the mortgage released. Instead of a release of my mortgage I received a letter from Ditech Financial dated XXXX XXXX indicating I owed Ditech Financial an additional {$750.00} for a shortage. I paid the amount required by XXXX. Apparently XXXX sold my mortgage to Ditech and nevertheless issued the payoff letter indicating the amount due. XXXX acknowledges the receipt of my funds on in full on XXXX XXXX. XXXX has repeatedly indicated they can not help and refer me to Ditech. I have called Ditech repeatedly over the ensuing months explaining my situation sending copies of the payoff letter and wire confirmation and do not ever get a return call or any help what so ever. Most alarmingly Ditech has now put me in default and threatens foreclosure. I NEED HELP!!!!
06/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19148	Web
My mortgage was sold to Green Tree Services LLC/now Ditech in 2014. Since then my monthly mortgage payments that I make on a timely basis have not been applied correctly, they have been misappropriated into a " Funds In Suspense Balance account ''. Because the funds are not applied correctly, I receive multiple harassing phone calls from Ditech on a daily basis to bring my account current. When I speak to the representatives that call me, they scream, holler and belittle me. When I try to contact someone at Ditech ( each week they give you a new account manager and they have no idea who you talked to previously or what the problem is with your account so you have to start all over again and explain to them what the problem is ), you are put on hold for long periods of time, directed to someone 's voicemail who has no idea what is going on with your account, and disconnected. My account is current and paid up to date yet notices have been put on the door of my property from a company called XXXX XXXX XXXX XXXX that is contracted out by Ditech to check on " their property '' to make sure it is being maintained. No legitimate mortgage company takes these kind of actions to ensure that they get their monthly payments.
04/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WY 82718	Web	Older American
Our current services is Green Tree, LLC. Although they have not established who has given them this right of service, we have requested documentation on several occasions but have received no relief. Green Tree to date has not produced original documentation as to the owner of our mortgage, no one seems to have the original note as determined by federal law and many states. Green Tree is now going to sell our home, but still has not proven ownership by any entity or organization. Without proof of ownership with original documentation we dispute Green Trees right to sell our home or service any mortgage. We have sent them QWR under RESPA but they responded by saying that the information is propriatary to their company and will not divulge this information. We still have not seen the original note, not a copy, as required to prove that they have permission form any owner or other organization. We do not feel that they have any right to any collection or sale of our home and under the RESPA and the recent FTC settlement, Green Tree is violating our rights. We have filed a complaint before to no avail, you just send it to them and they do the same thing time and again. Please take this under consideration. Thank you.
02/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75070	Web
When I tried online to make payment of my mortgage for the month of XX/XX/XXXX, it has come to our notice that my XX/XX/XXXX is not being accepted due to nonpayment of XX/XX/XXXX mortgage. It has come as a surprise to me because the payment of XX/XX/XXXX has already been paid and withdrawn from the account as per bank statement for the month of XX/XX/XXXX is attached. Moreover, an email was received as confirmation of payment from the website of Ditech.com under confirmation # XXXX. It was more surprising when the representative of Ditech also demanded the bank statement for the month of XX/XX/XXXX saying that the payment was also missing for XX/XX/XXXX, when I was talking over the phone on XX/XX/XXXX at approximately XXXX XXXX. I am attaching the copies of my bank statement for the month of XX/XX/XXXX, XX/XX/XXXX and the copy of the confirmation email received from the Ditech. Com with details. This is not the first time that the Ditech Financial LLC has troubled us in the matter of mortgage payment and for your kind information that in XX/XX/XXXX the company had created the same issue and after a long time it was accepted in our favor. I would appreciate if CFPB takes necessary action to resolve the issue.
06/10/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 92336	Web
On XXXX XXXX of 2016, ditech received my mortgage payment. Instead of applying to the monthly payment, they applied it towards escrow account. On XXXX XXXX, i received a billing statement for XXXX mortagage as well as XXXX. In addition to that, they slapped XXXX dollars late payment fees to that. I called them up on XXXX XXXX and questioned them. They said they applied it to escrow. I never instructed them to do that. They said they will reallocate that funds and correct the problem and erase the late fees. A few days later, i called them to check on it again. The problem were not fixed. They said a few more days. So on XXXX XXXX, i called again, and still the problem were not fixed. They took my XXXX payment and applied it towards the may payment and make it seems like i am late for XXXX again. And the late fees is still there. The lady said to give them a few more days and they will surely fix it time. She said she checked the system and there were no notes to reallocate the funds. But it did show that i called them. Ditech and their employees are not being truthful and causing me grieves. I spent so much times trying to resolve the problem they created and worried about the problem they created. Please help!
11/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92407	Web	Older American
Acct # XXXX Ditech mortgage. I mailed my payment XXXX/XXXX/15 to address that is on my payment coupon Ditech XXXX. XXXX XXXX XXXX, California. XXXX. I received letter from them on XXXX/XXXX/15 stating they had not received my payment. Call Ditech XXXX/XXXX/15 to get automated service according to them check received XXXX/XXXX/15. I also checked bank account that check # XXXX was cashed in XXXX/XXXX/15. Called XXXX/XXXX/15 was told by XXXX said she was located in XXXX that payment was not posted until after XXXX/XXXX/15 that is why I received letter. I called back XXXX/XXXX/15 hoping for a better explanation. To get same answer sorry your payment was not posted before XXXX/XXXX/15. I am not satisfied with either answer. How can there automated service say they received it and my bank so it was cashed 8 days before they mailed letter. All numbers from Ditech all go to costumer service so there is no one else to speak with. This company use to be Green Tree and only changed names a few months ago. I am in California and they are in XXXX XXXX, SD. They used my money for 8 days before it was posted? I can not do computer payment! No personal computer use of neighbors when she is home. Thank you XXXX XXXX. XXXX XXXX.
10/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75093	Web
Payments are held and/or destroyed by automated processing equipment. My payments are " made months ahead of time '', " I am not behind ''. I made XXXX payments in XXXX for XXXX, XXXX, XXXX. & XXXX, XXXX payments were processed, XXXX was lost. All XXXX payments were in the same envelope. Last week XXXX XXXX I made XXXX payment again. Mailed first class to local XXXX address. M.O. for {$1000.00} & Personal Check for {$280.00} total equaled my required monthly payment of {$1200.00}. Ditech does not show receiving this payment. Back in XXXX XXXX Ditech held my payment until a late charge was due. In XXXX XXXX Ditech refused to credit my XXXX XXXX payment because XXXX late charge was due. Instead of crediting my payment Ditech put the payment in unapplied funds. They said they did that and would not apply the payment until the late charge was paid. My Deed of Trust says all payments shall be applied as follows : Late charges are last in line. The Deed of Trust does not give Ditech authority to not apply payments if a late charge is due. This company is not applying payments on a timely manor and is creating late charges by holding checks and the automated equipment is not working properly and is destroying checks.
06/17/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92114	Web	Older American, Servicemember
The Mortgage Company is DITECH, XXXX. XXXX XXXX, XXXX, AZ XXXX, Tel. # XXXX-XXXX-XXXX Loan # XXXX My Wife XXXX and I have a Mortgage with Ditech Mortgage Company. Our current balance according t our statement is {$100000.00}, Ditech continues to harass us with the fact they claim our payment is due the 1st of each month which within is technically so. Our loan allows a 15 day grace period and is always paid each month consistently between the XXXX and XXXX in which we do electronically. My Wife works for the XXXX XXXX XXXX XXXX XXXX, she receives only one paycheck each month on the XXXX of each month. As soon as the funds are received electronically in our checking account we pay our Mortgage company payment, please remember the XXXX of each month moves. I've attached Mortgage Statements due for XX/XX/2019 & XX/XX/2019, please notice the balance due {$100000.00} for both months I mention, according to the XX/XX/2019 statement they are requesting a double payment due by this date. I've verified they received {$960.00} mortgage payment from XXXX XXXX XXXX XXXX on XXXX, XX/XX/2019 still within my 15 days grace period and they don't/wo n't provide an statement to me for XX/XX/XXXX that reflects payment received.
12/02/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33133	Web
Hello : ditech.com is my mortgage company. They placed an automatic forbearance on my account and removed my auto payment after Hurricane Irma. I called about a week after the storm to ask that they remove the forbearance and return the auto payment. This was confirm by the agent and recorded by them. I received a letter just a few weeks ago stating that my auto payment was never returned and the agent who I spoke with after I received the letter actually read back the notes confirming that I called and asked to have forbearance removed and auto payment reinstated. So I asked again the agent to remove the forbearance and install auto payment. I called this past week to check if this was done yet, and the agent at that time said I still have a forbearance and no auto payment. As I right this complaint, I spoke with an agent today that informs me that I dont have auto payment and forbearance is still active. She placed me on hold, which has lasted an hour. Ditech is not responsive, and it is purposely choosing to keep my in forbearance when I have asked countless times to remove me. I also have asked countless times to reinstate auto payment and yet they choose not to listen. Please help XXXX XXXX, XXXX
09/14/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33126	Web
My name is XXXX XXXX XXXX XXXX XXXX and XXXX for the XXXX XXXX XXXX XXXX XXXX. Please Consumer Financial Protection Bureau, its time to stop the lies from lending institution like Ditech, reported by one of your report to Congress as the third worse servicing company. Again Ditech has no internal issue, the only issue with Ditech is that they generate INN letters to cover themselves from complaints and government they have that capacity but do not send them to the clients. Again I have sent cover fax pages of the many times we have sent packages to them and they totally ignored all of them by calling them an internal issue. They want to work with our client, but the XXXX number is not working and no one answer their phone in the meanwhile their attorneys eager to get this XXXX XXXX house sold on the XXXX, XXXX. The sale date cancellation was due to a defense presented by our firm, not Ditech, they were totally oppose to stop sale. And yes sale date is onthe XXXX, XXXX and look what we have received from them, last letter dated XXXX XXXX, XXXX. Additionally, two letters received by Ditech dated the same date on XXXX XXXX, XXXX, this file was underwritten the same day? Let 's stop the fraudulent activities.
11/29/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48197	Web	Servicemember
My Mortgage account was paid in full on XX/XX/2018. However, an automatic monthly payment was processed on XX/XX/2018 for an overpayment amount of {$1300.00}. I have called Ditech to resolve this matter and spoke with representatives and supervisors. Every time I called they explain about a different process to issue a refund check, which is not a consistent explanation. Recently, I spoke with supervisor XXXX on XX/XX/2018 XXXX ET, who promised to overnight the check and call me to confirm. Today is Tuesday XX/XX/2018 and no call nor an overnight check has been received. I called and spoke with XXXX and lead XXXX. They indicated that XXXX was ill and out of the office for 2 days. On XX/XX/2018, XXXX added he will take care of this matter. XXXX acknowledged that I have called several times and nothing was done. He will follow up and call me tomorrow XX/XX/2018 at XXXX ET to get this finalized and find out where the disconnect is. Keep in mind they do have my correct mailing address, telephone number and email address. Today is Thursday XX/XX/2018 and I have not received any response from anyone at DItech. At this time I have lost confidence in Ditech, please help me to expedite and get my money back {$300.00}
01/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 231XX	Web	Older American
I am having a problem again with this mortgage company, they have changed their name several times in the last 10 years. They started out with the name XXXX XXXX Mortgage changed that to XXXX Mortgage now their name is Ditech XXXX. XXXX XXXX XXXX, SD.XXXX they have other addresses but thats the XXXX i have for them. They are overly aggressive about taking my house. Your company helped have helped me before with this company but they are at it again. They gave me a modiiforcation on my loan about a year ago and i made all my payments on time each month, along the way they keep adding other expenses to my mortgage payment. i keep sending in my regular payment and they start saying i was not making a full payment, that i was only making partial payments and they start putting into my account that i was delinquent but i was making my payment. They added to my payment without letting me know of their change and why, they added taxes, insurance, and their attorney fees for me to pay. Now they are threatening to foreclose for a small amount of {$1400.00}, I need help i am retired and living only on social security. PS.By the way my interest rate is 8.25 % and they refuse to lower it. Thank You XXXX XXXX XXXX XXXX
08/11/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 34110	Web	Older American
I mailed a check of {$90000.00} to part pay the principal balance of my mortgage with Green Tree Servicing. Account number XXXX. The check was mailed USPS Priority Mail, and I had confirmation of delivery and signor on XXXX XXXX. On XXXX XXXX, I noted that the money had been applied, but split : $ {$2000.00} effective XXXX/XXXX/2015 applied as my advance XXXX payment, and {$87000.00} effective XXXX/XXXX/2015 applied to my principal balance. I called to notify them that all of the money should have been applied to the principal and the effective date should be XXXX/XXXX/2015. I have numerous calls since then - mostly unhelpful and even after escalation and a supposed " rush '' to fix, I still have the {$87000.00} although now applied to the principal, but STILL the wrong effective date of XXXX/XXXX/2015. I am told this morning that it might take another XXXX business days to fix. My complaint : why should they split the amount when I had previously called before sending the check stating that the whole amount to be applied to the principal, and why is the effective date still wrong? I can only assume that it is Green Tree 's process to do this as it clearly benefits the company at the expense of the client.
02/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20735	Web	Older American
I applied for a deed in lieu of foreclosure with Ditech in XXXX XXXX, it was finally approved in XXXX XXXX, I had to resubmit all paper work because they told me that the application that was submitted in XXXX was out of date. I complied with their request. They approved the Deed in lieu in XXXX XXXX, after outright lying to me, telling me I had a lien on the property, when there was no lien. I went to the XXXX court and checked the land records for XXXX county, there was no lien on the property. However, the kept telling me that the lien was holding up the deed in lieu. Finally, in XXXX XXXX, I was sent paper work to sign agreeing the the deed in lieu. I have complied with every requirement contained in that letter ( see attached ), so it was no reason for Ditech not to fully executed the deed in lieu as promised I completed all the paperwork and sent back to Ditech by certified mail. I have heard nothing from them since submission of my paperwork. I can not contact them, they will not return my calls, nor respond to my request for a status on the deed in lieu. Then in XXXX XXXX, I received a Notice of Intent to Foreclosure and no one can tell me what happened to my approved application for a deed in lieu.
04/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 776XX	Web
I 'm with green tree and recently at XXXX. My last payment for the yr. Was due and payed on time how ever green tree also put XXXX XXXX payment on this statement as well but the math did not add up to, XXXX payments in the amount due box on the paper statement the payment for XX/XX/XXXX was on the statement for XX/XX/XXXX but on the far side of the statement were your eyes do n't look when your use to seeing the same thing all the time. i did not catch this until I received my mortgage bill for XXXX. I was hit with late fee 's and was basically made a fool of over the phone when I was told both my payments XX/XX/XXXX and XX/XX/XXXX were due on XXXX bill. And that basicl " it didnt matter if i missed a payment for XX/XX/XXXX. I have to pay them regardless if i recive a statement our not '' .the information I was told I needed to send for a request of all the info I wanted to inquire about, to resolve the issue I never received any info or a denied response with reason. I payed all dept. Due in full plus The Late fees. I 'm still being charged late fees I 've write on the statements and stated that the billing is wrong and all late fees from the incidents have been payed green tree will not fix there mistakes
03/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL XXXXX	Web	Older American, Servicemember
I have been paying a mortgage service provider ( Ditech Finical LLC ) FOR 14+ yrs.. I have been trying to contact them for 10 days without being able to do so to pay off my mortgage of approx. {$160000.00}. I finally had someone come on the phone yesterda after waiting on hold for more then an hour. She told me they were having computer problems & that was the reason for the long hold time. She then tried to guide me into their that account website which I had been trying to do for 10 days, to no avail. She then gave me information to give to my Financial institution to do a wire transfer through their bank " XXXX ''. After being cautioned by my financial institution the there are international " wire fraud scams '' going on, I decided to contact XXXX to confirm that the information given to me by Ditech was correct. After being able to outsmart the robot I was able to reach a human who informed me that the routing # was correct but the account # was not. At this point I asked for a supervisor who told me she could not confirm or deny that the account # existed. I asked for a manager when she then informed me that I was talking to the wrong dept. And it could take many days for my called to be returned.
04/24/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30534	Web
Ok Im escrowed in and on XX/XX/XXXX ditech sent out XXXX dollars to XXXX County tax office. They had the parcels mixed up and paid lot number XXXX taxes instead of lot number XXXX which is mine.. I got 2 notices in the mail that my taxes were not paid so I called and did all the foot work myself to figure out where the payment was messed up and what happen. Well ditech sent out my payment of XXXX dollars on XX/XX/XXXX to pay my taxes and they fixed my parcel number in the system. Now they are charging me for the money they sent out incorrectly and making me pay the difference until the refund from the county comes through. I have spoken to the tax office and they have already refunded the money to lot number XXXX because ditech paid XXXX then her mortgage company paid so they refunded the second payment that came through which happen to be the wrong one. Tax office told me that they have already sent a refund and it is out of there hand and ditech keeps telling me they are waiting for a refund and until it comes through I will have to continue paying the larger amount to cover there mess up. I didnt make the wrong payment so why am I being held responsible for paying for another person or companys mess up.
06/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 36109	Web
I received a letter telling me my Mortgage was past due. I knew I had a auto pay bi weekly coming out of my account for years. I called the company they were RUDE, unprofessional and basically told me I did n't know what I was talking about. I called my bank, then I finally tracked down my payments. I was then told that the company I was using ( which is a third party company ) was a rip off. They also told me they did not deal with third party companies, which was not true. I never had to contact the company I was using to change my payment amount. The third party company has ALWAYS notified me regarding changes from the mortgage company annually, due to increase in property tax or home owner insurance. But this year the only notice they received fro Green Tree Servicing was to decrease my amount. After that was done a couple of time at the first of the year, that is when I got the letter from GTS. So now they are calling me monthly, for an extra payment and wanting to charge me late and processing fees. They still refuse to contact the third party company. I would love to change to another more qualified company that can get the job done right the first time. This company has shown to be the worse ever.
11/03/2017	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	IN 46123	Web	Older American, Servicemember
Hello, i have a home loan ( mortgage ) thru ditech which i have paid on time all the time I have had it ; onXX/XX/XXXX, i received a call from " XXXX '' at Ditech stating I was behind on XX/XX/XXXXorXX/XX/XXXX Payment and instead of the usual {$780.00} I owed, the total was now over {$1000.00}! This happened also inXX/XX/XXXX when Ditech erroneously credited a different account my payment, then claimed I was late on that XX/XX/XXXX payment, after which they later sent a letter stating they were in error and had to credit my account and waived the late fee. plus they told me a different payment amount ( XX/XX/XXXX ). Being in a protected class ( I am XXXX ) and having all my cancelled checks of this years mortgage payments in my possession, I contacted the mortgage company several times who said they were " looking into it ''. However, instead of investigating beforehand, they have added a slur on my credit report stating i was late, which is totally false. I will also contact my attorney general about this problem/ below find attached the erroneous credit report. Also I can send copies of the cancelled checks that were all made on time. This company 's bookkeeping and accounting practices are a disgrace!
06/16/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CO 804XX	Web
We took out a XXXX mortgage with XXXX, we missed a few payments so they sent our loan to a collection service. Which has been transferred many times. We are now with Green Tree Servicing LLC. When I log on to their website there is no account set up for us, so I am unable to even look at our account, I was able to pay by phone for the XXXX XXXX payments then they told me that the state of Colorado does not allow them to collect by phone, then they wanted me to set up a way to pay through our bank so that the bank could just send the payment when I requested. I could not even set that up my bank did not recognize Green Tree 's system. Now I have been told to send my payments via XXXX or XXXX XXXX, I was only able to get that to work XXXX. I now make my payments via money order. When checking my credit report it shows in the remarks charged off account. After going thru all the difficulties just to pay this debit off I am wondering if Green Tree Servicing LLC is a Legitimate company. I received a letter dated XXXX/XXXX/2015 in reference to Federal and state law prohibit certain methods of debt collection and require that we treat you fairly. If I have a complaint I can contact the Federal Trade Commission.
08/17/2015	Yes	Consumer Loan Title loan	Payment to acct not credited	CT 06825	Web
Long story, short ; I originally took out loan from XXXX XXXX XXXX. Secured by auto title. Original loan for around $ XXXX. Made ALL payments on-time. With around $ XXXX left on loan balance received a letter from Green Tree Servicing that they now owned loan. Agreed to continue payments as long as they sent proof they actually had loan. Could not contact anyone from XXXX XXXX XXXX to verify. Made a few more payments but never received any proof of loan by Green Tree. Stop payments. They started harassment campaign. I sent Cease & Desist notification. The reported my loan as " charged off '' and farmed off loan to XXXX XXXX XXXX and they immediately sent proof of loan and paid {$950.00} to resolve matter and they reported as paid in full to all credit reporting service. And sent me back car title. Green Tree still reports loan as a " charge off '' and has reeled havoc on my credit report. Can not close kids college loans because of it. Hired a lawyer to try and resolve with no luck. All of this over a very small amount of money. Craziest thing I have ever dealt with. Even sent them letter I 'd pay whatever they want to just make it go away. They said NO! I 'm 100 % in right from start to finish on this.
04/02/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 93561	Web	Older American, Servicemember
I hope you can help me. We live in XXXX Californa. We bought our house 3 years ago. We are retired and have been a home owner for 52 years. This has never happened to us before and I want to know if it is right. We financed through XXXX XXXX. The first year it was fine and then they sold our loan to Ditech. Our payments were XXXX. We were notified that there was a shortage in our escrow fund and we either had to pay a lump sum of XXXX or our house payment was going up 100 dollars. We let it go up. So now our house payment is XXXX and this year we were contacted again and told that there was still an escrow shortage and we either had to pay XXXX or house payment was going up again 100 dollars. I dont think this is right. We have never had this happen before. Last year my sister bought a house here in XXXX and the same thing has happened to her. They just contacted her and told her she either had to pay XXXX or her payment was going up 300 a month. Can we have someone investigate this and see if they are cheating us. We are all retired and living on a fixed income. If they payments go up we may not be able to keep our homes. Thank you in advance for anything you are able to do. XXXX XXXX and XXXX XXXX
04/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 44105	Web
I have also experienced Green Tree telling me there is no other option to pay than a {$12.00} fee through a separate entity. In the beginning I was pressured to use this service. I was told that if I mailed a check that it had to be received by the due date no matter when it was postmarked. I began to pay through my bank account transfer and if Greentree did n't receive it on time, I was charged a late fee. I also experienced calls to pay for a bill that was already paid. I called and was told it was in an " unapplied account '' sitting for no purpose. I feel they do that to collect more interest by not applying it to the principal which was what it should have went to or at least credited to the next months payment instead of being called about defaulting. How can I default when they actually have extra money but put it into an " unapplied account '' and then call me and say I 'm delinquent? I never heard of an unapplied account anywhere. If I did n't recall paying extra, green tree would n't have told me about the unapplied account because all they are interested in is making money for themselves, using the unapplied account to keep the interest they receive higher by not adding it to the principal.
03/07/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 190XX	Web
Back in XX/XX/XXXX my XXXX mortgage was taken over by Greentree Mtge. I sent a payment to XXXX and then Greentree said I had a payment of NSF. I sent you a complain back in XX/XX/XXXX about this. Since then Ditech has taken over for Greentree, still telling me I owed this money. I recently sent them a copy of a cancelled check cashed by XXXX. Now I received a letter stating they did receive this money and are now picking a new date telling me I had non sufficient funds XX/XX/XXXX, which I did not. I have my bank statement showing my payment. I have seen so many complaints against Greentree so now I assume by changing their name to Ditech, it 's no different. I have statements and statements showing all my payments. I have never ever defaulted on a mortgage payment and these people keep harassing me. Someone needs to do something about this. I just faxed them my bank statement from XX/XX/XXXX showing the two payments made, neither are for the amount they are claiming was return from my bank, both payments were for more money. Please help and stop these people from harassing me. I owed so little on this house and they are threatening me with foreclosure. How does a company like this stay in business???
07/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 063XX	Web	Older American
This is being submitted because of an ongoing issue with Ditech Financial LLC. They have mishandled our account and specifically our mortgage payoff, and have placed negative incidents on our credit report. We paid them in full on XXXX/XXXX/2016 as prescribed by them and yet I am still having to deal with them. re : [ complaint # XXXX ] re : [ complaint # XXXX ] They have now acknowledged our payoff, and returned our escrow. Unfortunately the amount they sent us was wrong. On the payoff quote generated by them clearly shows and escrow balance of {$2500.00}, but they sent us a check for {$2300.00}. Did they think we would n't notice {$190.00} missing? Well ... we did, and we want the rest of our money. Since we did n't make anymore payments to escrow and they did n't disburse any money, the check should have been for {$2500.00}. It 's been almost 2 months and I am getting tired of having to deal with them anymore. When will they get it right? And now all XXXX major credit agencies are showing the negative credit information. We pay all our bills on time. The only negative mark in all our credit history ( 30 years ) is from them, them who caused all this by their incompetent handling of our account.
09/11/2018	Yes	Mortgage Conventional home mortgage	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	CA 95821	Web
I received a letter from Ditech Financial, LLC dated XX/XX/XXXX that said they were in the process of reviewing a written request from me. Their research has not concluded. They stated the letter was to notify me of their ongoing investigation in an effort to provide me with resolution. Below that the letter stated thee communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose. Farther below on the bottom of the letter it had a note that said " Forward Progress-Written Request, XX/XX/XXXX. It gave me a number to call which I did ( XXXX ). The person that answered said the letter was to get me to call about refinancing. I described the letter and said that so you send me a letter describing that there is an issue with my credit ... .and that I have made a written request to resolve so that you can try to get me to refinance - his answer was " yes ''. I had previously told him that I was not interested in refinancing but then after he confirmed the unethical practice they were using with the letter I told him that I may now consider refinancing with another more ethical company. This type of solicitation should be illegal!
09/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 601XX	Web	Older American
Recently while evaluating a Modification proposal from Ditech a number of issues were noticed which made acceptance impossible. In order to actually finalize the modification terms ( which were subject to change ) I first had to make 3 Trial Payments of {$2100.00} .This amount is higher than my original mortgage payment and certainly would not be manageable and would likely just result in another default. ( What is wrong with this picture?? ) The whole proposal is too vague and the unpaid balance is way out of line ( {$370000.00} vs my balance of {$280000.00} when I defaulted due to unexpected loss in income. Next was an estimated market value given as {$330000.00} on XXXX XXXX, then on XXXX XXXX in another letter the market value stated was {$320000.00}. Big drop in just 14 days ( Questionable info ). Last but not least-On the statement I receive each month it shows my regular monthly payment to be {$2100.00} and now recent statements show the payment as {$2200.00}. Why the big change ( No explanation ever given!!! ). I have offered other suggestions for possible remedy, but nothing seems to be taken seriously by Ditech or XXXX XXXX. My situation deserves a creative solution and I am still waiting.
05/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95501	Web
I went to make my mortgage payment on XXXX XXXX, 2016 on ditech.com on XXXX XXXX, 2016. My XXXX payment was due and my XXXX payment just came due. I was not able to make a payment for XXXX I was only allowed to make the entire payment for XXXX and XXXX. When I called their number to make the payment no one was available there was only an automated attendant and I was routed to voice mail. I tried to make the XXXX payment with their pay by phone but I was given no option to only pay XXXX, I had to pay the entire amount. I waited until today XXXX XXXX, 2016 at XXXX PST to make my payment and called them. The first call I went through all the prompts and was disconnected. The second time I called I spoke to XXXX, she took my payment for XXXX. I asked her why I was not able to make the XXXX payment on-line and she said because the entire amount was due. We argued about what was due. She said in the future I will only be allowed to pay the amount due on-line I will not be able to make a payment for only past amount due. She also stated they will charge {$19.00} for a phone payment and {$10.00} for an automated phone payment. She was not sure if the automated phone payment would only do a past due amount.
02/15/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33428	Web
I noticed an issue with my billing with I logged onto my mortgage account online. I tried calling the customer service number I usually contact but when I tried to get a representative I was transfered to person 's voicemail. I thought there was a problem with a the system and tried calling back later and had the same issue. I left a voicemail just in case and continued to call for a few days. I then contacted the new mortgages department and asked for some assistance. They encountered the same thing and the person said they would send an email to customer service and see what he could do and get back with me. I got a call back later and was instructed of a way to get through by hitting zero and pound several times. I was able to get through and was told it was because of my account that this occured. I tried explaining that did not make sense and was then disconnected.I send an email through their online system and it instructed me to call my account advisor. She never calls back no matter how many messages you leave. I sent another email and did not receive a respond yet. I ca n't make a payment online, on the phone and ca n't get a call back. It is very scamy and they keep charging me late fees.
12/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33027	Web
my mortgage was transferred to Ditech few months ago from Green Tree, where i have file few complaints about charges they claimed they had made to my property, and the result to that complaint all fees were supposed to be waived. and a letter was sent the Office of the President also and the fees were supposed to be waived. Now Ditech who has my mortgage has been charging me something call ( CORPORATE ADVANCE BALANCE {$75.00} ) its under account information no real explanation why, but under my explanation of amount where it says escrow, interest, principal, now there is a total fees & charges of {$7.00} i called today to find out what are fees are for since, I spoke with XXXX # XXXX who told me its for repair that was done in my property so its been broken down every month. I have tried to tell her this issues were resolved but i could not get a word. My major concerns now my account has been bounced around from XXXX company to another company and their statements not even clear to understand the charges. I need help dealing with the charges on my account that are not supposed to be there and a better explanation of statement CORPORATE ADVANCE BALANCE no one understands what that is there for.
02/06/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33325	Web
I went through a divorce this past summer. My ex husband was paying the bills but come to find out when he left I was behind on my mortgage. When I got noticed of the sale date XX/XX/ I was shocked to find out what was going on. I'm not able to come up with the full reinstatement however I'm able to afford the contractual payments. I submitted a modification package and I've been following up with Ditech and the foreclosure attorney daily to get updates. On XX/XX/ Ditech advised me that a request to postpone the sale was sent to the foreclosure attorney and the mod package was sent to the investor. You can verify this call if you listen to the call that took place on XX/XX/. TodayXX/XX/XXXX I call Ditech and was advised that they will not postpone the sale but they still have a complete mod package. I feel that Ditech should honor their word and postpone the sale to allow the underwriters time to review my modification request.I feel that Ditech is holding up the review so they can take my house away from me. I'm requesting help and need assistance. Please listen to the calls because Ditech tells me on every call that the call is being recorded. They should honor their word and postpone the sale.
04/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07087	Web
In the fall of 2014, my home was in danger of foreclosure. Previously, I had tried mortgage mitigation with my then mortgage servicer, Citi Mortgage, but that had not gone anywhere. I had gotten a call from XXXX, urging me to try mortgage mitigation again, specifically a deed-in-lieu of foreclosure. I sent the application for deed-in-lieu to XXXX, with XXXX as the conduit. That process went no where, and XXXX said to send the application again. At this point, unbeknownst to myself of to XXXX, my mortgage servicing had been sold by XXXX to Green Tree Financial. My complaint is thus : after missing mortgage payments, and going into pre-foreclosure, XXXX had dinged my credit rating. They then sold my mortgage or rather the mortgage servicing to Green Tree. Immediately there after Green Tree began knocking my credit, missed payments, in foreclosure. It was XXXX property, XXXX mortgage, but XXXX foreclosures. Why was XXXX allowed to sell the servicing of the mortgage in the middle of my application? Why did XXXX knowingly purchase what was for all intents and purposes a bad debt, and why should they be allowed to hurt my credit for the exact same reason as the company they purchased the mortgage from?
12/09/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 12203	Web
I wrote a letter in XX/XX/2018 to Ditech requesting a modification of my mortgage for a few months. In XX/XX/2018 I was approved for interest only payments which I paid. In XXXX I was told that Ditech reversed their decision. I tried calling several times to find out about this change in the decision and asked to speak with a manager. Instead I was only referred to customer service reps. The company provided no last names of employees and has no voicemails. In addition, are these customer service reps qualified to make decisions on these important matters? I then received a refinance package that I did not request. This would would allow Ditech to charge additional fees. I believe this company is a predatory lender. I reported this to the South Dakota Dept. of Labor and Regulation/division of banking. They forwarded my complaint to Ditech but I have heard nothing to date about this matter. I have had my house on the market since XX/XX/2018. My current tenants have not paid rent and I need time to vett new tenants, hence the request for a modification for a few months. Refinancing is not appropriate for me at present but this is the only option that was offered so that more fees can be collected.
07/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32578	Web
Ditech Financial paid someones else 's real estate taxes from our escrow account back in XXXX XXXX. I caught the mistake on XXXX XXXX, XXXX. I have spoken with representatives of Ditech on multiple occasions as well as sent a letter outlining what happened and requesting that the monies be returned to our escrow account. Ditech 's error has caused our escrow account to be deficient and our monthly mortgage payment was increased to make up for the deficiency. My last call to Ditech was on XXXX/XXXX/XXXX. I was told to leave a voicemail message for the supervisor XXXX XXXX outlining the reason for the call and was assured that he would call me back. I have still not received a call back nor a credit to my escrow account even after numerous demands. A Ditech technician that I talked to on XXXX XXXX, XXXX advised that per the notes on my account that it has been scheduled for XXXX XXXX to be resolved. That would be 10 months after their error and 6 months after my first demand. We just want the money put back into our escrow account by Ditech, They then can pursue whatever remedies they have against the person that they are trying to collect the money from. We should not have to pay for their error.
09/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 216XX	Web
We were scammed by a company called XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. They offered to help us avoid foreclosure for a {$200.00} start-up fee plus a {$1400.00} overall fee for their services. Although we paid all fees they asked of us, we later realized they did nothing to help us catch up or get our mortgage amount reduced. After awhile, they would not answer their phone. Later in XX/XX/XXXX, XXXX XXXX XXXX bought our mortgage. Initially, they stated our mortgage balance was {$190000.00}. Because of XXXX XXXX 's non-help, we asked Green Tree for help so we could get current with our mortgage. Green Tree refused to help, sent threatening letters, did not communicate with all representatives within their company, made harassing phone calls to us, and insisted we pay a larger than usual amount for our mortgage payment. We paid mortgage amounts of {$2200.00} because of one rep., {$1700.00} because of what another rep. stated we needed to do, and other amounts because Green Tree could not give us consistent amounts we needed to pay. Overall, we paid {$50000.00} to Green Tree and yet, they still listed our balance as {$240000.00} as if we paid nothing at all the whole time they held our mortgage.
01/07/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 48197	Web
Consumer : XXXX XXXX Property Address : XXXX XXXX XXXX, XXXX-MI XXXX Loan Servicer : Ditech Financial LLC Loan # XXXX Complaint : Fraudulent/Illegal Default Notice on Loan & trying to initiate Foreclosure I am a XXXX father with XXXX children, Ditech is trying to push my loan into foreclosure without any legal basis & push me out of my home! right at XXXX time! On XX/XX/18 I received a default notice from Ditech Financial LLC on loan # XXXX on behalf of XXXX XXXX XXXX XXXX, stating that my loan was in DEFAULT due to 3 missed payments for XXXX, XXXX & XXXX. I have not missed any payments & I have the USPS " Certified Return Receipts '' signed & accepted by Ditech for the 3 months. I also have the USPS Money Order Stubs in the amount of the payments to prove that Ditech received & signed for the payments. I have attached the copy of Ditech letter, payment stubs & Certified signed return receipts showing that Ditech received & signed for my payments for XXXX, XXXX & XX/XX/2018. Ditech has in the past done exactly the same type of fraudulent attempt to push my loan into foreclosure. This is pure harassment & predatory servicing practices that I have faced from Ditech in the past as well.
07/29/2017	Yes	Mortgage VA mortgage	Trouble during payment process	DE 19720	Web	Servicemember
Company : Ditech Financial LLC In XXXX 2017, I made a payment of {$1300.00} electronically. See the details below. 1. Regular Mortgage payment is {$390.00}. 2. I included an extra principle payment of {$1000.00} 3. I had no pending late fees, escrow fees or other applicable fees outstanding. When I received my statement for the month of XXXX, I notice that the principle amount of {$1000.00} had been allocated to mortgage, interest, and escrow. I contacted Ditech via their website where I make payments www.ditech.com. I complained about all of the {$1000.00} not being applied toward my principle. They replied they would research the issue. In the mean time, I sent another {$500.00} via check by mail. When I check again in XX/XX/XXXX, I noticed that the payment was all applied to my principle. Then in XX/XX/XXXX, I noticed that the principal balance changed again and seemed to be missing about {$230.00} from the principal balance. I sent another complaint via their website in XXXX 2017. To date, I have not gotten a response about why my extra payments have not been applied appropriately. I would like Ditech to be investigated for the correct balance of my mortgage 's principal balance. XXXX XXXX
12/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 953XX	Web
My home went into foreclosure with Ditech XX/XX/2016. In XXXX I was working with Keep your home California with help on getting caught up with my mortgage. I was in Foreclosure at the time and Ditech refused to work with me and Keep your home California. I continued to send in the paperwork they requested but they kept saying they did not receive it. Then I received the sales date where they were going to Auction my house on XX/XX/2016. One week prior I found a cash buyer, they needed a payoff amount and again Ditech refused to disclose it and said it would be mailed. The buyer tried to get them to move the sale date ahead a week to wait on the info and get the finance together, again Ditech refused. No one bid on the house at the Auction so it reverted back to them. They then sold the house the end of XXXX for XXXX I owed approx XXXX, they profited about XXXX. I feel this is Unjust Enrichment, Fraud, Fraudulent Transfer, Robo and Dual tracking. My wife of 35 years and I have been homeless since our home was stolen by these crooks. The FTC found them guilty of tons of stuff and fined them around XXXX XXXX. Ditech 's Account number was XXXX. Sales Notice CA XXXX-Property address- XXXX Ca XXXX
03/27/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 75604	Web	Older American
In the process of refinancing my home mortgage. My refinancing company called and faxed Green Tree Mortgage to get payoff. Green Tree never responded with payoff in writing for my refinancing company to complete my new loan. When I contacted Green Tree by phone to request payoff, I was told my account was flagged and they could not talk to me about any details. When asked to know reasons for this situation, I was told to have my lawyer talk to their lawyer. This is my own account, why do I have to hire a lawyer to talk to their lawyer. My account is in good standing ; no late payments until now as I was advised not to pay XXXX that it would be rolled into the new loan. I sent XXXX payment to Green Tree today XXXX XXXX by on line banking as Green Tree refused to take payment by phone or allow me to do on line within their Green Tree system. I was told by Green Tree that if I did not pay by 30 days that it would go on my credit rating for seven years. My refinancing of my new loan is at a standstill without any explanation from Green Tree. I also faxed Green Tree to state what was going on my my account. No response. I sent message to Customer service within their Green Tree system. No response.
11/17/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 28443	Web	Servicemember
DiTech transitioned us from bi-monthly payments to monthly payments when they discontinued that program. Somehow, during this process, they had to reallocate funds which is making our account show as delinquent. Which it is NOT. We have called at least 4 times and every time they say it is there error and that they will pass it on to a supervisor and correct it. Then a few weeks later we will get another delinquent account letter for a higher amount. This most recent letter was for {$9300.00} but when I called, it had increased to {$10000.00}. I spoke with a supervisor, XXXX, employ number XXXX who assured me that he understands the severity of the situation but also informed me that they have reported us to the credit bureaus. It 's absurd, we have NEVER missed a payment. We have worked so hard for our credit score, my husband is XXXX and was literally offered his dream job today contingent on a credit investigative report and I came home to this mail. I am in a near panic. We have been trying to get this resolved for months and I was assured on my last call several weeks ago that it would be resolved and it WAS NOT. It should be illegal to do what they are doing. This is 100 % their error.
08/26/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	WA 982XX	Web	Servicemember
Made my XXXX monthly mortgage thru bill pay, for my VA 30 year fixed loan. Ditech Financial LLC applied to the wrong account. Ditech then made daily collection calls trying to bully the the money they already received. Once I figured out what happened and their ineptitude to resolve it. I requested a refinance quote and a payoff amount to take my business to a better company. They said they would have to reallocated the the payments on the account for an accurate payoff amount. Payed XXXX 's monthly payment by the same process, no problem. Still receiving random collection phone calls for XXXX 's payment. Now its the XXXX of XXXX. For this whole week I 've been on the phone with them trying to get a payoff amount so I can close my refinance with another company. My balance remains inaccurate, my payoff is still unavailable. Far past the 20 business days that is required by the RESPA. Not to mention 10-15 minutes for a payoff amount is the industry standard. I 've tried to elevate this further within the company, however the only departments you can actually talk to are collections and customer service. Both can do very little to service your account. I will be getting in touch with a lawyer.
07/18/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	IL 60018	Web
I had a mortgage with Ditech Financial and decided to refinance with them to get fixed rate. I received a good rate and everything looked good during application process but later turned out that both loan officer and loan processor had very little knowledge about the process. The loan processor XXXX XXXX seems not to have any knowledge at all, he was giving me confusing information all the time and after closing totally ignored me. The major issue arised with real estate taxes when they decided to take almost {$3300.00} at closing to pay taxes shortly before real estate bill came out. After the closing, when i received tax bill and found out that it is around {$1000.00} less i made several calls and emails to loan processor and loan officer and received no response.After few days trying to call different departments at Ditech no one knew where my money was if it was paid already or not. Finally i contacted the title company and was told that the check was already sent. Now i have {$1000.00} overpayment and it will take forever to get the money back. All because employees from Ditech do n't know what they are doing and ignore customer. I would never do business with this company again.
03/16/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70809	Web
My client paid off his loan on a mobile home trailer in XX/XX/2017. Ditech Financial, LLC claimed to have mailed the original to the property address, but inadvertently left off the trailer number. Therefore, the title had not been received. Ditech then sent copies, where were useless, since the Department of Motor Vehicles is requiring originals. When he called to request that a duplicate original be sent to his current address, he was informed that the title had been sent the original lien holder, XXXX, located at XXXX, XXXX, LA XXXX. THIS COMPANY IS NO LONGER IN BUSINESS. Subsequent requests have since been made for the lien release and original title to no avail. The Department of Motor Vehicle is requesting the original title. Ditech refuses to send the original title to property on an account that has been paid in full. Every phone call is to a different customer service representative who is rude, impatient and armed with false information. The customer service representatives refuses to let you speak to a supervisor and claim to take notes at the time of the call. When you call back to ask about the status based upon notes taken during the last call. There are no notes in the system.
10/26/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	IL 60540	Web
I had my original loan with XXXX along with a XXXX mortgage, and when the financial crisis hit I was no longer able to meet payments. Instead of opting the foreclosure route, I decided to pursue a short sale. Upon notifying XXXX that a short sale was being pursued, they began servicing my XXXX mortgage at Greentree. In XXXX 2011, my condo was closed as a short sale and I gave up my home. Both Greentree and XXXX accepted settlement payments to facilitate the short sale. Greentree continued to call me for payment after the short sale was completed, sometimes XXXX times per day while I was at work. I was n't always able to answer, but I did my best to communicate to them that the property was short sold. They told me to borrow money from family, put it on credit cards, etc ... I did n't have the money to pay, but they continued to call. Now, They have hired attorneys to sue my in county court. I am due to be present this Wednesday at XXXX. I have been trying to get my life back together since I lost my house, and this would devastate me. I had opted the short sale route, because everyone I spoke with said that was more responsible than just walking away and letting it fall into foreclosure.
07/07/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32209	Web
Ditech Financial has been adding unexplainable amounts to my mortgage and now that I was transferred to XXXX, they continue to send unexplainable charges and refuse to talk to me now that I was transferred to XXXX XXXX. Looking back on an activity record XXXX sent to me, in XXXX, XXXX, the balance of my mortgage was XXXX, they added XXXX taking it back up to XXXX with transaction note of " BK Cost Assess ''. I noticed this transaction as I was disputing a recent XXXX fee Ditech sent to XXXX to collect with no explanation. In addition to that, the added a {$15.00} charge claiming someone had to come and see if the property was occupied when I communicated with them often. XXXX can not explain it, Ditech will not communicate with this company or myself but yet, I am required to pay it. I have paid more than XXXX= on this XXXX home and they continue to gouge adding fees from XXXXe to Ditect, rolling over to XXXX. Young and desperate for a home, I was not keeping up with my balance until I took my finances seriously. When they send the bill, I paid, no questions putting my trust in them. Please review and assist in this matter or advise on what steps I should take to resolve this issue. Thanks.
03/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85310	Web
Ditech Financial sold my loan to a new mortgage servicing company without providing me with any notice. I received notice of the change on XX/XX/XXXX. The change occurred on XX/XX/XXXX. I called the new mortgage company and they have no record of my account. I tried to call Ditech and waited on hold for 15-20 minutes and no one ever did come to the phone. Ditech is also holding over XXXX of my money and the insurance companies money and has not released it so I can pay the contractor as my home is repaired from the house fire that occurred in XX/XX/XXXX. Ditech is a terrible company and basically does whatever they please. I am in the process of paying off my home loan. I have to wait until the due date every month to make the loan payment or they will put the money directly towards principal even if I make multiple payments for the exact payment amount. Last month I paid over XXXX on the loan. I currently owe XXXX on my loan and Ditech acts like they have some major interest in my house. They don't. My home is worth XXXX and their share is XXXX. Ditech is a bunch of crooks and should be put out of business. They are currently filing for bankruptcy so it looks like they are headed that way.
01/26/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 32765	Web
Basically all the trouble started when I was changing insurance company. The company I chose to insured the house deny coverage, after the escrow account from the mortgage company pay them, so I found another insurance company. The insurance who denies coverage sent me a reimbursement check. I deposit the check on my account and sent a replacement check to the mortgage company with a note written on the check to be " deposit to escrow account ''. The mortgage company deposit the check on the wrong account, into the interest account, and demand us to pay a late payment for the escrow account. I contacted them several times to fix the issue, they agree even in letters that was their mistake, but told me that the only way to fix it was for me to pay the late fee and the money which they wrongly deposit into the interest account. So they miss-place funds and they want me to pay for their mistakes. Not only they treatenning with foreclosure, my credit report was damage, when they even told me that they did not do it. I got emails phone calls and letters of them admitting the error, but telling me, that the only way to fix it, is for me to pay the late payments and money they are claiming I own.
03/09/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93555	Web
I am making a formal complaint against my mortgage servicer due to the negligent practices in handling my loan. I had a financial hardship about a year ago and fell behind on payments. I called my mortgage servicer numerous times to find out what I could do to help bring the loan current. I was never told about modification options available and I am now facing foreclosure with a pending sale date of XX/XX/18. I had one modification done several years back and was completely unaware that I may apply for another one. I believe my mortgage hold intentionally withheld this information until it was too late for me to apply. My property has equity and I am now being told there is nothing I can do to save my home except cure the full past due amount of {$14000.00}. I was never sent any documentation regarding hardship programs. I was not given any helpful information over the phone or offered the time to speak with someone regarding my hardship except to make payments. I am now working my regular job and can not afford to loose my home. I am requesting that Ditech Financial stops or postpones the sale date and allow me the opportunity that I was denied to cure my account with a modification.
10/03/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WI 535XX	Web
I submitted a complaint XX/XX/XXXX, case # XXXX. I have not heard anything that has happened with my complaint. Since then, I also have new contact information for myself which hopefully I can change when done here. From my original complaint, I never heard anything from Green Tree other than they would look into it. I have since sold my house and had to take out a hard money loan to pay them in full since nobody at GT would talk to me. Again, this all stems from their inability to work with me at all over a year 's time ( please see original complaint submission ). I did pay them in full XX/XX/XXXX. I received the " paid out '' note back from them 3 weeks ago-5 months later! I just recently ran credit on myself and was distraught at discovering that they are still showing a large balance out there with the words " unpaid balance charged off ''!! This is really amazing given the amount of work I went through to pay them in full at closing! I have tried to talk to someone at GT again to no avail. I will contact the credit bureaus to dispute this however the damage to my credit has already been done. I am truly at wits end with this company and not really sure the CFPB is helping in any way.
02/18/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	MO 63028	Web
My husband became ill in XXXX and we subsequently obtained a home equity loan in order to help pay some of his medical bills. We were able to continue making payments without compromising our other bills until he passed away on XX/XX/XXXX. I have been trying to sell the home ; however, I have not been able to secure a contract for its sale and I am struggling to make the payments now that I no longer have my husband 's income. I have tried numerous times to contact ditech at the number provided on its statement ( XXXX XXXX, but only wind up being placed on hold for hours on end only to either become disconnected or remain on hold for eternity. I'm at my wits end at this point and don't know what to do ; however, I will not be able to make any more payments on this loan. I really need to speak to someone at ditech to either modify this payment or assist in someway. I will also be mailing a letter of hardship to this company, but I wanted to try to reach out to someone first. My phone number is XXXX or you may reach my realtor at XXXX. You may contact either number anytime. The company that has this loan is as follows : ditech, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. Sincerely, XXXX XXXX
11/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29229	Web	Servicemember
Hello, i am filing a claim on how my mortgage company green tree treated me, first when my mortgage was transferred to them my my monthly payment went up by {$400.00} without enough explanation, and high late fees, they were very abusive both to me and my wife to an extent i was very stressed out and i lost my job because they harrassed me with non ending phone call from XXXX all day long and leaving voice mail i could not concentrate at work.Green tree used to call me every day for like four years even when i schedule a payment with them, they used to call my job, wife, relatives and leaving voice mails.The employees were very rude to us they threatened to foreclose our house even after we had a scheduled payment on file.I had a recording of one their employee by the name jonny. who called and forgot my phone was still recording and they were discussing their customers payments history in a mean way.Green tree lied to us we could only make a payment using speedpay.They took us through XXXX trying to modify our mortgage because every time we faxed documents they claimed they had not received them it was so bad i was ready to walk out of our house.I will appreciate your response Thank you.
06/10/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01760	Web	Older American, Servicemember
On XX/XX/2019 my mom, XXXX XXXX, ( I have her power of attorney ) made her last mortgage payment to diTech on line and it has posted. On Saturday, XX/XX/2019 she received a letter saying that her last payment was short {$74.00}, which was very confusing to all of us ( it is due by XX/XX/XXXX!! ). She called them today ( XX/XX/2019 ) and was told that this was a fee to release her account. My mom is XXXX years old, ill and on a very fixed income. She feels like she may be getting scammed or taken advantage of because she was completely unaware of any fees to close her account as she has been paying on time faithfully for the length of the loan. It seems if any " fee '' is incurred for them to send her her paperwork it should be no more than the cost of a postage stamp. She is very stressed over this because she feels like if it is fraud, her bank account info will be in the wrong hands, but if it IS legit she is not going to have the payment in on time. She seems to be in a no win situation at this time. Any help you could provide for her would be greatly appreciated. Please feel free to contact me at anytime via cell # XXXX. Regards, XXXX XXXX POA documents available if necessary
08/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91762	Web
In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to Green Tree which is now DiTech. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, DiTech keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know Green Tree/DiTech had a case against them due to this very issue.
09/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33018	Web
I was attempting to pay online my normal mortgage payment and the mortgage company Ditech Financial LLC which was formerly Greentree XXXX/XXXX/16. It would not accept my online payment. They have forced place insurance onto my account and will not even accept the normal payment I make monthly to meet their deadline for no late charge. I called on XXXX/XXXX/16 XXXX, to speak to a representative and asked to pay the normal amount and their answer was no and they said they spoke to a supervisor, who was unwilling to talk to me. They want me to pay the higher mortgage amount that includes the forced insurance payments. Then they will issue a refund at a later date. I have home insurance already and it can be cleared up by my insurance broker. I can not make the higher payment and when I am able to make the payment it will be late and they said they can not even go back to show that I am not late once everything is cleared up. I do n't understand why they can not accept the normal payment, even if a balance is still showing of the difference for the forced place insurance, they are still getting the money towards my mortgage if everything can be cleared with the fax of proof of my insurance.
02/03/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90044	Web
Dear Sirs, We have been requested help several times to keep our home, we were providing all documents requested by the bank : last year was Green Tree now they change the name to Ditech. It is very frustrating, after 5 days they have received last paperwork required and the file was complete for review they said that we do not qualify to obtain a home affordable payment even when my husband was unemployed and our loan investor is XXXX. We want your mediation to assure they going to review our file ans we want to ensure that our paperwork will presented to our final investor, we hope they will have the time to see if there are any options that might help us to obtain an affordable payment to keep our home. Once again, we have submitted the complete package, it was uploaded into Ditech system. It is very hard situation for us, we are trying do not fall behind in our monthly mortgage payment but every day is more difficult and the bank. I know this is one of the loans that XXXX XXXX XXXX has been transferred to several companies. We do not want fall in our mortgage payment, we are asking for help to obtain an affordable payment in these moments when our situation is become very difficult.
10/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98028	Web
I am long-time customer of Ditech mortgage company. Recently, XX/XX/2018, I found out that Ditech overcharged me on my escrow. They sent me notification that I'll receive a check for {$410.00} back and few days later, XX/XX/XXXX Ditech representative assured me that check was mailed. Few weeks later, no check yet so I called Ditech and they said that most likely that check was lost and they will re-issue another one which they said they did on XX/XX/2018. I called them on XX/XX/XXXX and was told that check was mailed on XX/XX/XXXX and I should receive it in 5-7 business days. Today is 10 days and still no check. During this ordeal I called Ditech on multiple occasion and diferent representative had different information. Not even once Ditech had an integrity to stand up behind their promises! I am a retired senior citizen and had been making my payments always on time and this is the worst abuse I've ever experienced as a consumer! Ditech not only overcharged me but now refusing to pay back and lying that they did while in fact they didn't!! I don't believe that all the mail is delivered ( including sensitive mail and checks ) and only checks from Ditech get lost one after another one!
12/16/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	ID 83814	Web
My mortgage company took possession of my house while I was out of town. They sent a company to change the locks and winterize the house. I am behind in payments but not in foreclosure. They provided no notice to me either before or after the locks were changed. This is just the latest in a long string of what I would call bad behaviors by the first mortgage company, which began in XXXX 2015 when I asked for a loan modification. The representative told me I would not qualify " because I did not have 2 years of tax returns showing my self employment income '' I knew in XX/XX/XXXX that both mortgage payments would significantly increase in XX/XX/XXXX/XX/XX/XXXX. I worked with the XXXX mortgage company in XX/XX/XXXX and received a conditional approval for a short sale. I listed the home for sale in XX/XX/XXXX. I presented the first short-sale offer in XX/XX/XXXX and was denied in XX/XX/XXXX. I was again denied in XX/XX/XXXX for a short-sale after a second short-sale offer. I was further denied in XX/XX/XXXX for a deed-in-lieu request. The representative told me to " wait 30 days and re-apply. '' I was getting ready to re-apply when I was locked out of the house. What do I do next?
12/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 90815	Web
In XXXX 2015, I was contacted by Di-Tech and informed that my escrow account had a shortage. I was given the option of having the shortage rolled into my monthly mortgage note or to pay the difference so the mortgage note would keep its regular balance. I opted to pay the {$320.00} to keep my mortgage note the same so I paid the balance over the phone. I was contacted 3 weeks later by Ditech with the same exact scenario. I told them I had paid the balance and asked them to update their records. Every three weeks thereafter Di Tech has contacted me telling me that I owe money and then charging me late fees. For example, on XXXX XXXX 2015, I sent my monthly mortgage note to Di-Tech. I received a call on XXXX XXXX saying that they had received a payment and I needed to pay over the phone to avoid late fees. After paying over the phone, I found my XXXX statement which showed that they had received the funds but the funds had been " unapplied ''. I have spoken to several supervisors about this issue and each supervisor looked over the account notes, apologized profusely, and told me they would sent me an update escrow analysis sheet. I have yet to receive XXXX updated escrow analysis sheet.
06/06/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	OK 740XX	Web
We originally purchased out home through XXXX XXXX ( XXXX ). We refinanced with XXXX XXXX in XX/XX/XXXX. The mortgage was then sold to XXXX XXXX XXXX, then Greentree Mortgage, who became Ditech Mortgage. Jumping forward to XXXX, XXXX. We had an opportunity to refinance at a lower rate, shorter term, plus consolidate four payments. The process went well until a major road block. During due-diligence by XXXX, we determined XXXX XXXX failed to file a lean-released with the title company. Non of the successive mortgage holders caught or brought to out attention this error. DiTech Mortgage was aware of something because in their Title Insurance, Page XXXX ( XXXX ) XXXX XXXX was excluded from their responsibility. Therefore, we can not refinance our home at a lower payment, rate, and term, nor can I sell my home. I am tied to a lender I do not like or want at their. terms not mine. I am locked into a higher rate, term and can not reduce my dept load because of someone not doing their job. DiTech gave themselves a " get out of jail free card '' at my expense. Comsumer 's can not move forward with wise financial decisions when the banking/mortgage entities are allowed to control out finances.
04/22/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	FL 331XX	Web
My home was in the process of Foreclosure with Green Tree Servicing we were able to get it modified and save our home in XXXX we received the final modification our unpaid principal balance was $ XXXX and on top of that they said we owed New Money of $ XXXX that brought the New Modified Amount to $ XXXX how is that possible, I thought the XXXX Loan Modification was to help us? Our Payments were to be {$1300.00} for the first 5 years then it will go up on the 6 year and then go up again XXXX20 years and on the 21 year need to make last payment in the amount of $ XXXX which its impossible. Also now every month my payments have been going up XXXX was {$1300.00}, XXXX & XXXX {$1300.00} and now XXXX is {$1400.00} I called Green Tree and they were Nasty and told me the increase were fees that were for Repairs ( which no one has come to repair anything ) also attorney fees, they never sent us a letter or did we authorize them for these fees and they are withdrawing it from my bank automatically without our authorization since we only authorize the original amount of {$1300.00} monthly. They refuse to help or even give me proof or remove these charges they are just scamming me. Please help me
07/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	FL 33781	Web
I received the below email from Ditech My name is XXXX XXXX and your file has been placed in my care so that you receive the World Class service you deserve. You ARE eligible for a streamline rate reduction There is no need to pay that high rate any longer. We're reaching out to our good paying customers, to let you know that we can rewrite your mortgage w/o the hassle or costs of a typical refinance. You ARE eligible and I'd love to share with you how it can impact you financially. It will only takes a few minutes of your time to go over your savings. This program expires on XX/XX/2018! Here are the details of this opportunity. WE CAN SHORTEN YOUR TERM AND / OR LOWER YOUR PAYMENT NO OUT OF POCKET COSTS NO APPRAISAL REQUIRED NO INCOME REQUIREMENTS NO HOME VALUE REQUIREMENTS NO CREDIT SCORE REQUIREMENTS RENTAL AND 2ND HOMES ARE ELIGIBLE PAST BANKRUPTCIES AND FORECLOSURES OVERLOOKED 10yr, 15yr,20yr,25yr and 30yr FIXED RATE LOANS AVAILABLE Feel free to email any questions or a good time to speak with you. I can be reached directly at XXXX Have a great day!! When I replied. Please send me more information. They pulled my credit report ( and my wife 's ) without authorization.
01/19/2018	Yes	Mortgage VA mortgage	Trouble during payment process	GA 30043	Web	Servicemember
Problem : Ditech is my mortgage company looking at the statement since XXXX and what I owed versus what I paid, unable to understand how the money paid was allocated and to whom because new statements reflect new/different charges. Also my Principle on XX/XX/2017 was XXXX and in XX/XX/2018 its XXXX but I paid XXXX in XXXX. I have called and was told it was being review and someone would get back to me but they dont and today was told to submit the request in writing but the agent was not sure about any details and when someone would get back to me. We were behind on our payment and since XXXX have been aggressive about catching up and last time we spoke, like the time, prior, and prior to that, was told to pay this amount and then you will be caught up. I think part of the issue is that inXX/XX/XXXX {$4500.00} was reapplied to my account. This is money what was paid and applied prior inXX/XX/XXXX. In XXXX of XXXX the money was backed out to my account, backing out monies from Principle, Escrow, advances or anything related to the loan and the remainder was applied to monies owed but I still think I am over charge and with details, I could understand if I am not, that is a possibility
06/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90025	Web
my concern is with green tree Servicing company. I had to do a "short sale" on my house, but Green tree did not lose ANY money, it was the XXXX bank that agreed to take less money. Escrow closed on XX/XX/2014After all was said and done I found out that Green tree sent gardeners and other repairmen to the house and charged ME for work even tho it wasnt even my house anymore!.....they charged me over XXXX dollrs to print the notice of default in the local paper. they overcharged me XXXX dollars in paying property taxes. i called the tax collector, and they told me that XXXX dollars was refunded to "core"- should have went to me. Green tree trespassed on the property, it was another owners property. the workers took some items out of the yard....worth about 1200 dollars. And altho I did my part and left the house, they DID NOT do their part and give me the XXXX dollars relocation fee for this "foreclosure" that they acted on. Green tree writes me a letter saying that they had the right to keep the place in good condition. it was in good condition- they did NOT have to re key and winterize and do all these things that banks do to foreclosed homes. it went directly to another buyer. XXXX
04/15/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WY 826XX	Web
I have been making extra principle payments to ditech to pay off my mortgage early. When I asked for the paperwork telling me the loan was paid in full, they told me I owed an additional {$2700.00} in a deferred interest payment from 2005. I asked why it was not on any paperwork, statements, credit reports, etc, and was told they did n't know but I still owed it. I asked who authorized this and requested any and all documentation considered in this incident including signatures and was told I would receive such in seven to ten working days. I have since contacted them on more then one occasion, requesting the same thing and getting the same canned answer, but no results, no paperwork, nothing but a practiced stalling technique. First off, I think this should have been disclosed on my monthly statement, if it was legitimate. Second, the amount is nonsensical and excessive if legitimate. Third, I think they may just be trying to recoup the lost interest if the loan was paid to reach maturity. I DON '' T KNOW. They have kept this charge secret and continue to do so, while my house is now paid off. Is this a standard practice for all mortgage lenders or is there some illegitimacy here.
12/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CO 80228	Web
Lender GreenTree / Ditech has : 1. Refused to provide me with WRITTEN DISCLOSURE/INFORMATION as to the REASON WHY they are denying me with loss mitigation avenues to foreclosure ( Deed in Lieu, Short Sale, XXXX, etc. ) to the property in question, this after several years requesting all communications and information relating matter be submitted in writing due to my XXXX. 2. Refused to provide me with FAIR AND EQUAL TREATMENT in mortgage loss mitigation as allowed to anyone else in my same financial situation when it is unequivocal people in my situation-currently not working since XX/XX/XXXX2015-would qualify for such remedies. Therefore, lender GreenTree / Ditech is discriminating against me. 3. Lender GreenTree / Ditech claims my regular monthly payment ( principal, interest, taxes, etc. ) is {$5300.00} when the original monthly payment mortgage agreement clearly indicated a much lesser amount of around {$2600.00} total. Lender has been dishonest and corrupt enough to refuse to explain this massive discrepancy in writing also. 4. Lender GreenTree / Ditech is adding {$2700.00} in monthly charges, due, and fees and once again refuses to explain such ludicrous charges in writing.
10/31/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95826	Web
This Complaint is the direct result of the continued failures of Green Tree/Ditech to rectify a set of errors in the accounting of Account Number XXXX. There have been a number of additional issues with the servicing of this account, dating back to the date which Green Tree/Ditech assumed the servicing of this account XXXX ranging from Green Tree/Ditech refusing to acknowledge permanent modification of the mortgage on said account, which pre-dated Green Tree/Ditech assuming servicing of the account, to being apparently unwilling and/or unable to generate an accurate monthly statement and/or sending it in a timely manner. After more than seven months of communicating back and forth with XXXX XXXX XXXX and the XXXX Department, the issues are currently unresolved, and show no signs of reaching a resolution dealing directly with Green Tree/Ditech. It is to this end that we now turn to the Consumer Financial Protection Bureau and the Federal Trade Commission with the attached formal complaint. The Complaint itself is comprehensive and too large to post in this area. The actual complaint is labeled Exhibit AA. All other attachments are supporting documentation, as listed in the complaint.
08/30/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	CO 80922	Web
I had hail damage to my home of over $ XXXXXXXX. The insurance company issued me a check with Ditech Mortgage ( lienholder ) also on the check. Ditech Mortgage stated I had to send them the insurance claim, endorsed check and copy of contract for work to be completed. I sent all of these items along with breakdown and invoices of items I paid for already out of my pocket. I sent the package out and waited. I called after one week and was told they were still working on the file. I received a check today for $ XXXX ( this is what they call half of the {$20000.00} check I sent them. They did not send me the reimbursement for the {$4300.00} that I have spent out of pocket to replace all of my windows ( which were broken and damaged ). They are telling me they will not release until I provide proof windows were replaced. I sent the paid in full receipt for not only the windows but the installation invoice. I sent them pictures yesterday. I called today and was told they will not send any more money until all the work is done. I have holes in my roof and we have had several torrential rains since the hail storm. I need my money to be released so I can get the rest of the work completed.
12/14/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WY 831XX	Web
I fell behind XXXX payments on my mortgage at which time I applied for a modification, everytime I called to see if they had they paperwork or needed anything else they would say they have everything and then I would call back two weeks later to check on the status of the modification they would have no idea what I am talking about. I have gone through this cycle at least four times with them and this whole time they would not let me make any payments. Then someone told me my house was listed as a forclosure in the local paper with a sale date of XXXX/XXXX/2016. Since then they have received my paperwork again for modification and I have had to refax that set of paperwork three different times. Now they say I am approved for modification but they are waiting on my title but they wont tell me who they requested my title through. I have checked with every title company in my area and nobody has received a request. They tell me that if they do n't receive the title by the sale date that they will sell my house. I also have a corporate advance on my account for over {$3000.00} that nobody can tell me what it is for. I keep getting a different answer everytime I call in to this company.
03/08/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95405	Web
In XX/XX/XXXX a tree from neighbor yard fell causing damage to my house and deck. A claim was filed with my insurance company, and check was issued to me and to Ditech Financial as loss payees. I sent the check to Ditech and funds were sent to me by them to cover expenses, less a final amount held in escrow account pending satisfactory repair. Ultimately, Ditech issued a check to me in the amount of {$590.00} to close the escrow account, which I deposited XX/XX/XXXX. on XX/XX/XXXX I received notice from my bank ( XXXX XXXX XXXX ) that the check from Ditech was dishonored, and I was charged a fee of {$7.00}. I called Ditech XX/XX/XXXX and was told that an ACH transfer in the amount of {$590.00} would be sent to my bank account " within 72 business hours. '' There was no transfer. I called again on XXXX and was told that the payment request " was still in the system pending payment '' and that there were " about 3000 other customers in the same circumstance. '' The service rep XXXX offered to send a check for the {$7.00} fee. The primary payment would " probably '' be made " within a couple of weeks. '' As a reminder, this is an escrow account and the funds do not belong to Ditech.
07/15/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92879	Web
On XX/XX/XXXX, I wrote Green Tree Servicing , LLC. to correct the property address on all my statements going forward, and as of today, they have refused to make that said correction. The property address shown under account number XXXX ( first mortgage that they have recently acquired from XXXX XXXX XXXX, XXXX ) is : " XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX '', and under account number XXXX ( 2nd mortgage ), the property address is shown as : " XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ''. The correct address is " XXXX XXXX XXXX XXXX, XXXX, CA XXXX ''. I have been paying for this property since XX/XX/XXXX, and I would like to make sure that the bank is not doing anything fraudulent by not putting the correct address on homeowners ' records. I had wondered in the past why XXXX XXXX XXXX XXXX had allowed correction on XXXX Deeds using liquid white outs. Please help homeowners, like myself, protect our assets by making sure we are not victims of mortgage frauds. Green Tree Servicing Loan, LLC has also been incorrectly reporting the actual amount of money received from homeowners. I have recently paid {$560.00}, but they only show {$460.00} as " last paid amount '' on their website.
07/13/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO XXXXX	Web
My payment history shows that Ditech had received a payment for {$1000.00} which was to be XX/XX/XXXX mortgage payment with the extra amount going to principal. They show the entire amount going to principal and that I have n't made a XX/XX/XXXX payment yet. I wrote them about this on XX/XX/XXXX and got a response on XX/XX/XXXX that reads : " Your request is being reviewed for appropriate processing, '' yet the account shows no mortgage payment for XXXX 2017, according to them. Given all of the problems with Ditech/Greentree that I 've had, I honestly believe this is an attempt by them to claim a late payment by me. I also wrote to them indicating that I was sending in XX/XX/XXXX payment early and that this, too, should be applied to XX/XX/XXXX mortgage payment. I have not seen that payment as posted, yet. I also asked ditech for a new security question from among the three they give me. The answers must be exact with cases correct and I ca n't remember one of the answers. I have been locked out of my account a few times because of this. Once is happenstance. Twice is coincidence. Three times is enemy action ... .XXXX XXXX . This is well beyond the third such issue with Ditech.
01/06/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NV 89166	Web
I currently hold a Mortgage with Ditech financial and rec 'd notification in XXXX 2016 that they have not paid my Property taxes. The property taxes were 6 months past due, When I called Ditech to follow up with them they told me they would start researching. I followed up about a month later and nothing had been done, They immediately began working on it and sent out tax payment to the assessors office. In Ditech 's error.. They sent a second payment a week later ( Causing an escrow shortage in my account ) I notified Ditech again regarding the error because I now have rec 'd a notification stating my Mortgage payment was increasing due to the impound shortage. This has been going on for almost 3 months now unresolved. I would like Ditech to credit back the funds to my escrow account they sent in error and verify and confirm that my payment remains unchanged. I escrow account is correct and there should be no payment increase once they credit back the overpayment they sent in error. Ditech will not put a supervisor on the phone, They state they are to busy and they just keep pushing me off to representatives, Tax dept ect, I am fed up at this point and am requesting assistance.
10/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 10031	Web	Older American
My home mortgage is owned by XXXX and serviced by Ditech of XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I make monthly payments on time, always in excess of the required amount. For my XX/XX/2016 payment, I remitted the sum of {$90000.00} to cover my monthly payment of {$2400.00}, with the balance to reduce the principal. At age XXXX yrs, my goal is to liquidate my home mortgage. I have repeatedly attempted, in writing, to have the company properly account for the payment, and have received computer form letters that fail to address the matter. I continue to make monthly payments, on time, in excess of the required amounts, and yet the company shows my account past due, and are placing funds in an account called " Funds in suspense '' and " Unapplied Funds '' while treating my account as a delinquent account. The company hides behind PO Boxes, uses computer form letters signed by the company with no human-being responible, their senior officers are unreachable, and clearly attempts to conducts their mortgage servicing business by automation. My efforts to have the problem resolved with the company is futile and hopeless, and I respectfully request the assistance of the CFPB. Thank you.
05/07/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	KY 40241	Web
My loan was transferred from XXXX XXXX XXXX XXXX Green Tree Services. Green Tree Services demanded that I pay the loan off in full, there were no other options. I explained to them that I had lost my job and I was working again, however I could n't pay out $ XXXX. The representatives were extremely rude and began threatening me. I told them my house was 'under water ' and there was no equity in my home. They said they would just charge the loan off and then hire someone to sue me. They advised that one way or another they would get their money. They began calling friends and family members as well. My mother said someone from Green Tree was extremely rude and indicated that I may lose my home. Green Tree also contacted my employer and indicated that I was behind on a mortgage. They never offered anything accept pay us or else. I am worried to death over this. I have XXXX small children and cant lose my home. Green Tree Recently charged off my 2nd mortgage. According to them the next step is to take me to court to file a judgment against me and garnish my wages. I cant afford to have my wages garnished for a 2nd mortgage that has no equity. Please help me. Please save my family.
09/18/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01701	Web	Older American
I am still having a problem with a XXXX XXXX XXXX and XXXX from complaint XXXX. Ditech has been shut down and still has not resolved the {$5800.00} that was paid to XXXX just before Ditech took over loan. {$5800.00} was paid to XXXX which over paid any money owed. XXXX cashed the check. When loan was transferred to Ditech, they claimed we were 3 months behind. No. The {$5800.00} was for any late payments plus extra to XXXX. That meant that when Ditech took over I started with a clean slate and should have transferred the extra {$230.00} out of the {$5800.00} to Ditech. Ditech received every payment for the year plus that they had my loan. None were late payments and extra was paid with each payment. Now the new loan co., XXXX, is left with the mess. All I have gotten from Ditech is, " We are looking into it, '' letters ( 3 ). Time to hire a lawyer? Also, XXXX would like to have a copy of the original letters that I wrote from XXXX which I do n't have access to. XXXX went under, now Ditech, what 's next? Sounds like a scam and run outfit. All owned by the same person/people/corporation. XXXX is most likely owned by the same people/corp. Please refer to XXXX, all docs are there.
10/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 787XX	Web
I filed a CPFB complaint previously ( XXXX ) regarding my mortgage with Ditech. Despite their intention in their response to this complaint to correct their errors of accounting for our timely payments, Ditech has continued to misapply our funds paid and continues to show a deficit in our payments of {$350.00}. See my attached letter sent to Ditech XXXX XXXX, 2016 both through their online portal and by mail. This amount is from their incorrect accounting of our supplemental payment of {$450.00} + {$90.00} late fee we made on XXXX XXXX, 2016. They credited our account {$90.00} but took the {$450.00} out of our account in an attempt to correct their errors and never reapplied it. {$450.00} - $ XXXX= {$350.00}, showing as a deficit in our account despite us having paid the full payment. Today XXXX XXXX, 2016 we received a certified letter stating that we are in default for {$350.00}. My intention is to pay this amount to stop any further inappropriate action on their part toward default or foreclosure while continuing to try to find one rational intelligent person at Ditech to remedy their errors and reapply correctly the {$350.00} Ditech has stolen from us. XXXX XXXX XXXX XXXX
05/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 803XX	Web
DITECH FINANCIAL, LLC has force placed insurance without any reasonable basis. Further, DITECH FINANCIAL, LLC has been provided with proof of insurance and has, over the course of more than 1 year, actively and knowingly refused to acknowledge its misconduct. There are several letters and other correspondence with DITECH FINANCIAL, LLC representatives, including correspondence in which the borrower repeatedly provided written proof of insurance as required under her Deed of Trust assigned to DITECH FINANCNIAL, LLC. The borrower was forced to retain counsel because DITECH FINANCIAL, LLC is systematically ignoring the borrower 's provision of written proof of insurance. This is very worrisome. It appears to be a knowing and intentional violation of Regulation X of the Real Estate Settlement Procedures Act. Currently, DITECH FINANCIAL, LLC refuses to withdraw its force placed policy despite having received written proof of insurance as required under the Deed of Trust. Based on the written correspondence which DITECH FINANCIAL, LLC has received, there is no reasonable basis to believe that the borrower has failed to maintain hazard insurance as required under the Deed of Trust.
09/14/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00953	Web
Property in controversy is the main home of my family and we are interested in considering the options in full to be able to retain it. For this reason, on XX/XX/XXXX, we began the loss mitigation process " Loss Mitigation '' with Ditech Financial LLC. From XX/XX/XXXX to XX/XX/XXXX, all mortgage payments were made and collected by Ditech. Including, the payments corresponding to the months of XXXX and XXXX of XXXX were sent to Ditech but for reasons that we do not know they refused to collect them and they were returned. Due to Ditech 's delay in responding to the request for mitigation of losses and refusal to collect the months of XXXX and XXXX, we were obliged to file a complaint with the Office of the Commissioner of Financial Institutions ( OCIF ) case number XXXX dated XXXX XXXX, XXXX. After the complaint to the OCIF, Ditech sent us two communications requesting the filing of the loss mitigation forms again and the updating of the documents requested with the petition. Again, all documents were sent via fax, mail and via the company 's Internet service on XX/XX/XXXX. The two filing processes were conducted using One Stop Housing Agency 's counseling in XXXX XXXX.
06/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 960XX	Web	Older American
First, We have yet to receive our XXXX Settlement from CFPB!!!!!!!!!! XXXX XXXX XXXX XXXX ... WHAT MORE CAN I SAY! This Mortgage Lender failed to accept my PAY-OFF MONEY! This Mortgage Lender 1st took Forced Placed Insurance in XX/XX/XXXX NEVER mailing notice of such ACTION! For 10 years my payments were diverted to FPI ... EVEN after our XXXX Agent talked on the Phone to Green Tree, changed the necessary Policy requirements per Green Tree, SENT us a FAX with the Detailed Policy Changes THAT we immediately adhered too yet Green Tree continued their GREEDY pursuit and over the next seven ( 7 ) years deducted more than {$30000.00}!!!! We know this because we Subpoenaed Green Tree 's Records for a Small Claims Case XX/XX/XXXX. We LOST THE CASE BECAUSE THE STATUTE OF LIMITATIONS! This is ALL XXXX because my 1st XXXX Complaint was way back XX/XX/XXXX. After 36 Complaints to XXXX, FTC, FCC ( Phone Harass ) CA 's Business Oversight and a multitude of Sen, Reps both State & Federal ... THIS PREDATORY LENDER WAS ABLE TO REMOVE THOUSANDS FROM THEIR HOMES AS WE WERE IN XXXX ... I HAD A CHECK FOR THE SALE OF FARM PROPERTY THAT WAS FAR IN EXCESS OF THE MORTGAGE PAY-OFF FIGURE!!!!
03/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85248	Web
I received a statement from ditech notifying us that any partial payments ( additional but not yet an entire month 's payment ) will be held in an " un-applied funds account '' until it totals an entire mortgage payment, then they 'll apply it to the mortgage. We 've been on time with our payments the length of the mortgage ( 5+ years ) and have been paying a little ( {$65.00} ) extra per month to be applied toward principal. Based on this statement, instead of applying to reduce our principal, they 've created an " account '' that now has {$360.00} in it. This " account '' has no benefit to me ; it is not earning any interest nor has it been applied to my principal. I contacted ditech today and they said, " oh you just need to call us and let us know, we can make an exception to your account to apply these extra amounts to principal. '' While perhaps my account is now squared away ( I 'll keep checking ), this seems like a pretty deceptive practice as a whole. It is my understanding that payments should be applied to the benefit of the borrower, but this practice clearly offers no benefit to borrowers, particularly those who are current and who 's loan is in good standing.
07/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80923	Web
This is ONGOING-especially during summer months with Green Tree LLC. They can NOT post a payment in a timely fashion. For some reason it takes LONGER usually starting in XXXX to receive and post a payment correctly. Then the arrears process begins against my account which is an ERROR on their part, but they show my account for my mortgage delinquent and then I start the complaint process against them. This has been ONGOING since XXXX XXXX XXXX XXXX XXXX dumped me in their care. The payments are made, they just do NOT process them, they clear my bank. I write checks and mail them for a paper trail, because you NEED a paper trail to prove everything with this unfortunate excuse for a servicer. They are inept, they do NOT practice general accounting principles. They charge BOGUS late fees, and my personal favorite ... the dinging of your credit so you ca n't get AWAY from the vultures. My Congressman is SICK and TIRED of me complaining to him about their inability to service a mortgage loan correctly. But NOTHING gets done, the complaints from the masses continue, the BBB told me they get NO where with them. NO one seems to be able to make them DO what they are supposed to DO.
11/26/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75035	Web
On XX/XX/XXXX, Ditech Mortgage servicing informed me that I had an escrow shortage of approximately {$21000.00}. This was apparently discovered after an escrow analysis was completed. Prior to this date, an escrow analysis had n't been completed in three previous years. When the shortage was discovered, I was given the option of paying the shortage in one lump sum or paying an additional {$340.00} on top of my new mortgage payment, This discrepancy resulted in my mortgage payment increasing by nearly {$1100.00} per month. Another escrow analysis was completed in XX/XX/XXXX and I continued to pay the additional payment and the correct escrow payment. When this analysis was completed, it included the payment of my property taxes that were to be distributed on XX/XX/XXXX. On XX/XX/XXXX, I refinanced my mortgage and paid off Ditech that included the escrow shortage and the anticipated tax payment that was to be made on XX/XX/XXXX. I was also charged a minimum escrow balance amount of {$1700.00}, I believe Ditech owes me this payment as well as the anticipated tax payment of {$7700.00} which was part of the payoff amount that was made on XX/XX/XXXX. Ditech refunded me {$40.00}
08/18/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70706	Web
I received a Notice of Adjudicated Property Sale. I have tried everyday multiple times daily to speak to someone regarding this at Ditech Mortgage. I receive their automated system and follow all the prompts, then once I finally get to speak to a person they all say this is the wrong area let me transfer you. I have been transferred repeatedly and always eventually get hung up on. I finally spoke to XXXX at extension XXXX and I asked to speak to a Supervisor and was told I had to submit my request in writing because they do not have supervisors in the office. This is a time sensitive matter dealing with my home and no one at the mortgage company can help. This is a major issue! The fax number I was given to fax my written request to was XXXX it is the same fax number that is listed at the website and prints on the Request to Establish an Escrow Account form and when you fax to it, the fax will not process due to the number being unresponsive. How are you supposed to get help on your mortgage if you can not reach a decision making person? This is unacceptable for a consumer to not be able to easily receive help for a mortgage issue that could cause them to lose their home!
10/12/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	NJ 08096	Web
I made a payment to Ditech XXXX, 2019. When XX/XX/XXXX's payment was due, I couldn't make it online because it said I owed XXXX. I called and spoke to a Ditech representative who stated that they were doing computer upgrades and it will reflect soon. Same with XXXX. Same with XXXX I called in XXXX after emailing them NUMEROUS times and was told they had NO record of my XXXX payment. I immediately faxed the confirmation they EMAILED to me in XXXX and and a copy of my bank statement showing the payment coming out. I received notice in XXXX that they received my letter that I sent to them and it would take 30 days to complete the review. In XXXX I received another letter that it would take another 30 days. TODAY I received ANOTHER letter that it would take ANOTHER 30 days AND letter that foreclosure proceedings were started. It should NOT take 90 days to SEE that I made the payment and their system is XXXX up! I am attaching to you the confirmation from DITECH that my payment was made AND showing it coming out of my bank account. THIS NEEDS TO BE THIS NEEDS TO BE CLEARED UP IMMEDIATELY!! I have NEVER MISSED a payment with Ditech since they had my loan with them!
04/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 027XX	Web
I am having problems with my mortgage company which I just found out they added my hours to a foreclosure list. I had been on chapter XXXX which I completed in XXXX. In XXXX I had to file for a 4 month chapter XXXX which I completed. Since the second chapter XXXX I have made my payments on time and they are trying to foreclose my house. I made my payment in XX/XX/XXXX for XXXX and they put it in a suspense account. I made my payment on XX/XX/XXXX for XXXX and they refunded that amount back to my account. I don't know why they are doing this. I have evidence of having completed both chapter XXXX in good standing and evidence I have been on time with my payments thereafter. I feel it is plain harassment and am reaching out to your office for help in this matter. I have received correspondence and a text for realtors telling me they saw my property in a fore closure list and are reaching out in case i'd like their assistance to do a short sale for fore closure. The last two options are not an option when I completed my chapter XXXX 's and have been paying my mortgage every month on time. Upon your review of my complaint I will be more than willing to submit proof of my case.
05/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL XXXXX	Web
In previous complaint XXXX, Ditech Financial apologized for its negligence in failing to obtain my authorization prior to restructuring my loan and increasing my monthly payment by over 10 % and stated the issue had been rectified. It has not. My monthly mortgage payment should be {$1100.00}, and it shows it was decreased from Approx. {$1600.00} to {$1200.00}. This did not return my account to its prior status, and Ditech did not fulfill its commitment to the XXXX as stated. In this complaint, I am seeking the following resolution : 1. For my account to be restored to its status prior to Ditech acting against my will 2. Ditech to rectify the claims made against me to the credit reporting agencies 3. Financial settlement on this claim. Ditech has failed to apply my payment to the lowest interest portion of my loan andninstead retained additional payments I made for over one year, which I understand violates their legal obligations. This decision, along with restructuring my loan, and the numerous complaints to seek resolution have caused me financial and emotional monetary loss. I await an immediate response from Ditech and resolution in-line with commitments made.
03/05/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 20784	Web
In XX/XX/XXXX, my 3 bedroom mobile home was repossessed by GXXXX XXXX XXXX after I paid well over amount financed {$17000.00}. I called to ask them my payoff and they gave an outrageous price and company financed in my cousins name when initially he was my cosigner which they never corrected. The mobile home sales person gave me all the information and told me to call the finance company for questions due they had been paid. Green Tree called back in two weeks stating they were pulling the home for no payment. I had already paid on this home since early XX/XX/XXXX's. It was first financed under another company, then XXXX XXXX, then XXXX XXXX XXXX. I asked them what happened to all the money I paid XXXX XXXX and they stated it was transferred to Green Tree. I was taken for thousands of dollars and still haven't heard anything from them. I called for up to two years now and still no settlement to me as promised. This is simply fraudulent and now they are stating they are Ditech. How do I get my money back? This is so unfair. I even called consumer affairs and channel 5 news to report. Please assist me with my issue by responding who I should contact to resolve this. Thanks
11/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WA 98684	Web
I have had a personal loan for several years. It was originally through XXXX XXXX and then was transferred to Ditech. A notice was sent to me on XXXX XXXX, XXXX stating that our loan was being transferred to XXXX XXXX XXXX The notice stated that " Ditech will stop accepting payments received from you after XXXX XXXX, XXXX. '' I called and made a payment to our new servicer on XXXX/XXXX/XXXX and the same day noticed a second charge for the same amount for an ACH payment. I called Ditech and was told the automatic payment was not cancelled. I let them know I am unable to afford a double payment and need this corrected and reiterated that their notice stated no further payments would be collected by Ditech. I requested to speak with a supervisor. She put me on hold and kept checking back with me and asked if I wanted to request a call back which would take up to 48 hours. I told her I needed this resolved ASAP. I continued to hold until she let me know her supervisor was now available and said she would transfer me to her. She transferred me and it went straight to a voicemail for a XXXX XXXX. I left a voicemail stating my issues and let her know I needed it resolved ASAP.
08/21/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 808XX	Web
Ditech has held my 2nd mortgage for several years untilXX/XX/XXXXwhen it was taken over by XXXX XXXX XXXXXXXX. Upon viewing my first statement from XXXX XXXX XXXX I noted that it said my loan was paid ahead until XX/XX/XXXX but that I had a balance due from Ditech in the amount of {$24.00}. On XX/XX/XXXX I contacted Ditech and learned that even though I pay {$250.00} every month to cover a set monthly payment of {$230.00} in which the additional amount goes to principle, the overage was not going to principle but was rather being held by the company until the total overage was {$210.00} at which time they applied it to the payment for XX/XX/XXXX ( without my consent or knowledge ). When they did this, not only did it appear as though I shorted them on a payment but they were then able to keep {$140.00} of the funds as interest instead of applying it to principle like I intended and like they showed on every months ' statement they were. Based on this history, it likely means they are currently holding {$110.00} that should have been applied to principle since XX/XX/XXXX and are just going to keep it. Here is how I got that amount : $ XXXX-XXXX=XXXX x 8 months= {$110.00}.
02/24/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33026	Web
XXXX Mortgage has been reporting delinquencies to the credit bureaus for XXXX XXXX through XXXX XXXX. I did a modification of mortgage with XXXX as servicer for XXXX in XXXX through XXXX [ XXXX ID : XXXX ]. In a letter from XXXX they confirmed that they did not obtain this loan as a result of the XXXX Chapter XXXX XXXX bankruptcy filing under case XXXX. The servicing rights to the loan were sold to Green Tree Servicing and my account number with them was XXXX. XXXX did an Assignment of Mortgage to Green Tree Servicing on XXXX/XXXX/XXXX and it is recorded in Official Records Book XXXX, Page XXXX, Public Records of XXXX, Florida. After the Consumer Financial Protection Bureau and the Federal Trade Commission fined Green Tree, Green Tree Servicing merged into a new company called Ditech XXXX XXXX, who is now the servicer only has records back to XXXX XXXX per a letter I received from Ditech on XXXX XXXX, XXXX. I have disputed this incorrect information being reported to the credit bureaus and they have come back as 'verified ' but none of the entites remain except Ditech who does not have any information in their records from prior to XXXX. This is an issue I need resolved.
12/02/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	SC 294XX	Web
This is in response to the comments submitted by Ditech regarding a previous complaint I filed. There are several discrepancies regarding my modification request. First, the information regarding XXXX XXXX making modification decisions is in correct. I am including the facts from XXXX XXXX in my comments. Second, there is a comment about me having a delinquent water bill that is incorrect because the only accounts including in my mortgage are taxes and insurance premiums. Third, as the servicing agency, Ditech claims it was not award of FHA alternatives to foreclosure including special forbearance and partial claim. I received information from both of these from FHA and contacted Ditech by phone as email regarding these options. The modification process used by Ditech is the most confusing process I have ever experienced. All I wanted after regaining employment was the opportunity to get my mortgage current and it has become a nightmare that may force me into bankruptcy to keep my house. I have continued paying after my 90 day trial and I still received a letter about foreclosing. I sent Ditech 's response to FHA and XXXX XXXX because my situation was not handled right.
03/24/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 78250	Web
Ditech Mortgage company has up to this date, has never reimbursed me for fees they billed my account in error and validated it was their error. They acknowledged the mistake ONLY AFTER the CFPB was contacted with case XXXX. Each month they have given me the run around since XX/XX/XXXX and failed to provide me with the money. I have no other alternative to seek CFPB assistance in obtaining my money XXXX and would like to request funds with interest. I have been calling each month on the funds owed. Each month I have been advised they were processing the refund. In XX/XX/2017 I called, requested to speak to a Manager, but was advised there was no one to speak with me. The agent assured me the money would be transferred at the latest in my bank account by end of month XX/XX/2017. I was asked to provide my checking account and bank routing number. I am trying to bring my account current with an IRA hardship withdrawal but this company has done nothing to make their error, right. Please assist, this is the most unprofessional company I have ever had to do business with, thankfully there are agencies like this created to protect the consumer and track this companies dealings.
06/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60189	Web
I have recently refinanced my home and Ditech is my servicer, XXXX is the investor. I have since the start of this loan in XXXX 2016 made additional principle payments which can not seem to get credited to my account correctly. Each month I call and have to spend time speaking to numerous people who assure me that this will get straightened out. I 'm told they will put lock out codes on the account, next month when I call I 'm told the person prior did n't do it correct, now today I 'm told they acquired a bunch of loans and are really busy. I 've not received and accurate account statement from Ditech in 6 months. They keep applying my additional principle to future payments. Today I was told my additional payment from two months ago still is pending to be credited to my account. I asked for a payoff of my account and they can not give it to me because they have no idea what it is. This is ridiculous, six months and they ca n't resolve this issue. I also have asked that my interested be recalculated to be sure it was reduced with the additional payments from the time the additional funds were received and that those funds also should have been credited to the account.
02/10/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NY 11223	Web
My mortgage was sold by Green Tree to Ditech in 2015. We have been paying our property taxes and insurance through escrow throughout the course of the loan. While the amount of our mortgage did n't change, we received a property tax bill from XXXX in XXXX for $ XXXX for property taxes that had n't been paid for 6 months. Ditech said they were n't responsible for paying escrow. We made a personal payment on XXXX to the XXXX for the entire amount due as we did n't want our home to have liens put on it. THE SAME DAY Ditech made a tax payment also. Now they are saying that we have an escrow shortage and have changed the amount of our monthly payment. We are trying to get our overpayment back from XXXX XXXX as Ditech is now going to be paying our taxes. I read on the consumer affairs website that Ditech has had numerous problems with this Green Tree acquisition some problems similar to ours, others were n't getting their homeowners insurance paid, others did n't have automatic payments taken out they had previously set up and now have a late payment on their credit report. The public needs to be protected from businesses like this. They have the power to do a lot of damage.
04/23/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 08055	Web
My mortgage is being serviced by Green Tree Services, LLC. They have continually lost our documents. Currently, they offered us a loan modification AFTER making our three trial payments. They would not disclose the details of the modification until AFTER making the three trial payments. When we did receive the details of the loan modification they proposed, it was not a HAMP modification from XXXX, but what they describe as an " in-house loan modification ''. The interest rate they want to assign to their in-house modification is ( 4.5 % ) and is higher than the previous interest ( 3.5 % ) rate we had when XXXX XXXX XXXX was servicing the loan but they refuse to acknowledge this, even though we have the documents to prove otherwise. Green Tree also does not have our income documents since they continually state they did not receive them or we did n't get it to them on time, which is not the case as we have always provided them this info within a week or two of their requests. In addition to the interest rate concern, they are not allowing us to get qualified for a true HAMP modification because they do not apply our income information that they say they never received.
03/22/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20716	Web
Thank you for assisting with this issue. Each year, I receive a notice from my mortgage company stating that my escrow account has a shortage. I paid it one year and each year I receive the same notice. I 've already contacted the XXXX county tax and assessment and was told nothing has changed far as property value and the home insurance has not increased. At this point, it is very frustrating and has caused a great amount of XXXX. Also, I received a letter stating the my PMI will be terminated and to date I 'm still paying for that. I call the mortgage company and get placed on hold for long periods of time until I ca n't hold on any longer. I call back and get placed on hold again. I need some help with this and a resolution to the issues described in this complaint. How can the escrow be short each year? Do you I need to contact the United States Congress and the media to shed some light to this situation? This could be happening to several other tax paying citizens. This is horrible and unacceptable. I never pay my mortgage late and to be treated this way is unacceptable. Please help! The name of the mortgage company is Ditech and it use to be GreenTree Servicing.
11/14/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AL 360XX	Web	Servicemember
Ditech has been harassing the XXXX family I the living has had a private investigator sent to my house I have never authorized my private information to be given out or my address to were my children lay there head. I have requested for the accounting both set of books as I know there is 2 sides and any contract Ditech feels that I may have with them. As I have never had a contract with Ditech or gave consent to Ditech. I am asking for cusip number and XXXX form from Ditech. I need the XXXX information to provided to IRS for accounting. I want to see the accounting of the books as there is 2 sides of accounting. Mortgage default title insurance should have been applied for either from XXXX, Greentree. I have no idea how ditech was given the XXXX private information. I have revoked any power of attorney from outside sources and have revoked any power attorney for XXXX XXXX. This company needs to be looked in to I am also sending in a form XXXX to IRS to look in to this company and for all accounting. I have also requested the XXXX oid and have not received this information I am entitled to. I am do back interest and have not been given what is owned to the XXXX Family.
02/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA XXXXX	Web
I apologize for the second complaint but I was unable to submit a response to provide documentation. I have a rental property and the mortgage was with Ditech. It was sold to XXXX XXXX on XX/XX/XXXX. ON XX/XX/XXXX I did not have a new account number with XXXX to make my XXXX payment so I called Ditech and they told me to make a payment to Ditech and they would forward the payment over to the new company. Ditech never forwarded the payment and I was marked late with the new company, but i didn't know this until late XXXX ( the end of my 60 day grace period ). I began making payments to XXXX in XXXX and made intermittent payments throughout XXXX and XXXX to make up for the lost payment. But as of XX/XX/XXXX I was still {$220.00} dollars short of 3 months. They counted that as 60 days late for the XXXX payment and XXXX reported me to the credit bureau with a 60 day mortgage payment. I have now sold my primary residence and can not get a loan for a new home with that on my credit report and XXXX will not take it off. I believe the problem began with an error by Ditech. I would like Ditech to talk with XXXX to say it was their error and not mine. Thank you XXXX XXXX
07/21/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
I normally receive statements from DiTech on or about the XXXX day of each month. As of XX/XX/2019 I had not received my normal monthly statement. I called the customer service number XXXX. This call took place on XX/XX/2019 at XXXX PDT. I spoke with XXXX. She transferred my call to another DiTech employee. I stated that I had not received my bill, I requested the date on which the bill had been placed in the mail, I requested where the bill had been placed in the mail. He could only reply that the bill had been prepared with XX/XX/2019 statement date. This did not answer the question as to when and where the statement had been placed in the post. He stated that he did not have this information. I requested for a replacement statement to be sent. That this basic information is not available to DiTech mortgage holders indicates the intentional act of management to keep its employees and its customers uninformed as to the operation of their MSR processes. From an operational perspective, DiTech is not able to provide any believable assertion that DiTech has either the staff or the financial resources with which to present the DiTech business offering to the public.
08/08/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	XXXXX	Web
Ditech reversed my XX/XX/2018 mortgage payment for reasons unknown and unexplained to me. Customer Service has also been unable to explain what happened from my numerous calls to them. The funds paid to Ditech were posted to my Ditech account and cleared my bank account timely. I only learned about this situation when I received a letter from Ditech dated XX/XX/2018 which stated I was behind on my mortgage and that I needed to make a payment to avoid foreclosure. My account is current and I have bank records to prove every payment. I have spent hours on the phone with Customer Service and have gotten no resolution. I don't understand how my payment could be received, applied to my account, clear my bank and then be reversed months later, thus creating a default situation? Where did my funds actually go? As a financial institution, aren't they supposed to abide by strict accounting controls? After trying in good faith to work with Ditech to clear up this situation, I now feel they are willfully misstating my account status and payment history while also threatening me with foreclosure for their own shoddy accounting practices. Thank you for any help you can provide
08/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32312	Web
Our loan was recently transferred to GreenTree Servicing. In the transfer process, a {$1000.00} principal payment was lost and removed from our account. I sent all payment history verifying the payment was received by the previous provider and now GreenTree is holding the payment along with another {$1000.00} principal payment rather than applying it to the balance of our loan. I have contacted Greentree XXXX times with regard to this problem and have received no resolution. I believe this a a violation of our Loan Agreement per the following : '' I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a " Prepayment. '' When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. I may make a full Prepayment of partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note .... '' Are there any actions we can take to get them to apply the funds to reducing our principal?
05/25/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IN 46217	Web
I am working on my second attempt at a mortgage modification with Ditech Financial LLC. My first attempt at a modification was denied due to the time it took for Ditech to process my application. During my first modification I talked to to several different representatives, I was told different things by different reps. I submitted the same documents over and over again, the documents would get lost or overlooked. The entire process took over 10 months. I have now completed the paper work for my second modification, all that they requested was in on XXXX XXXX 2017 . To this day they have not moved it along to decide if they need any more documents or if is complete. I had a representative tell me just yesterday that once the have all the documents it should only ta ke 3-4 busin ess days to look over it, its been 40 days. I want to stay in my home and I do n't understand why they are not working with me. You think with the effort that I am putting in calling 3 times a week that they would do their job, but it has n't done me any good, what so ever! My circumstances have changed and I have money saved. I am ready to get this resolved and move on with my life!
09/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 90064	Web
My mortgage loan was purchased Ditech Financials who is now servicing the loan. I have now been with the new lender for about 2 years. During that time, they change the impound payments for taxes and increased my payment amount. I had the account on auto-pay and although did not miss a payment, had two payments that were considered late due to the additional impound fees that were not included. They charged me XXXX dollars in late fees for two months of being " late '' due to not including the additional impound fees, although I made my payments on time. I ignored the late fees and they have not seemed to follow up on them other than sending me constant offers to re-finance with them in which case, they will waive those fees. Last month, I failed to move funds in my bank account and ended up not having the funds in my bill pay to send the mortgage payment. I promptly corrected this and sent the payment in late. I have a ~ $ XXXX monthly mortgage payment and I have just received a letter that have have assessed a ~ {$2000.00} late fee for that late payment. This can not be allowable to assess a greater than XXXX % late fee on a single late payment. Please assist.
06/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98026	Web	Older American
XX/XX/XXXX I filed Chapter XXXX include which did NOT include the mortgage ; XX/XX/XXXX it was successfully completed & discharged. XXXX of XXXX was contacted by DITECH the mortgage servicing company that the XX/XX/XXXX payment was missed & after providing proof of payment notified that the XX/XX/XXXX payment was missed & again provided proof of payment ; shortly was again notified that the XX/XX/XXXX payment was missed. While I haven't been able to find proof of that payment I'm sure that it was made. So all payments both before & after XX/XX/XXXX are documented as paid on time. Once the Ch XXXX was over DITECH proceeded to report my timely payments as 30 days late mostly on an every other month basis. Late fees were never accessed. Apparently DITECH applied payments against arrears which caused the late payments. On advise of my attorney I made an extra payment so it would not affect the the mortgage I am now trying to get approved. Fast forward to XX/XX/XXXX XXXX assume this debt & stated payments made to DITECH & then sent on would not be reported as late yet they did & now I have a 60 day late. ATTACHED ; XXXX XXXX MORTGAGE PAYMENT HISTORY, XXXX STATEMENT
06/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92336	Web	Servicemember
I was paying property taxes separate from mortgage. I fell behind 3 years @ XXXX per yr totaling XXXX. XXXX XXXX XXXX paid it and allowed me to pay XXXX over the mortgage of XXXX + current taxes + past due taxes XXXX per month starting in XX/XX/XXXX. XXXX XXXX XXXX sold my mortgage to XXXX then Green Tree is where the problems began. Green Tree/DiTech started utilizing those funds by forced placed insurance ( when I had insurance ). In XX/XX/XXXX DiTech would have been paid back XXXX for the mortgage back taxes but still claimed we owed them XXXX. On 2 separate occasions I have tried to resolve this issue but was not successful. Each time we filed a complaint GreenTree/DiTech would began harassment with forced placed insurance, sending court documents about suing for the house being lost in bankruptcy XX/XX/XXXX, and returning payments, paid insurance w/o permission and the following year failed to pay do our insurance lapsed. Now that DiTech is in bankruptcy I reached out to XXXX XXXX for assistance but they failed to provide any assistance. We never stopped making the payment Ditech started returning them so they could foreclose on the property. Please help
02/13/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 95966	Web
I lost my home in the Northern California Camp Fire. My insurance company issued me a check for {$210000.00}. My principal balance on my mortage was {$98000.00}. The check had my name and Ditech Home Loans as the Payee. I send the check to their claims department. I wrote Ditech a letter asking that my mortage be paid off and the remainder sent back to me. I sent the letter and the endorsed check via XXXX to Ditech, which they received on XX/XX/XXXX. I have called numerous times asking where my remaining money was, when were they going to close my mortgage and do a lien release and when they were going to send me the over-payment amount back. The last time I called was today XX/XX/XXXX. I was told that my check was applied as a payment and they had not closed my mortgage out. They could not tell me when I would received my over-payment check. It has been 2 month since they have had my funds and I need my funds to get my family back into a house. I don't know what to do. My Ditech account # is XXXX. The customer service number that I have been calling is XXXX. The account is under the name XXXX XXXX, though my name as reverted back to my maiden name : XXXX XXXX
08/24/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MA 015XX	Web
We submitted documentation in an attempt to have our mortgage modified so that we could pull out of the Chapter XXXX Bankruptcy that we are currently in. We have made XXXX regular mortgage payments to the lender as well as XXXX payment to the Bankruptcy Trustee since entering Bankruptcy, and we 're trying to have the mortgage modified. We 've sent all of the financial documentation they 've requested and each time we submit paperwork we 're being told something is missing. We 've made several calls to the company to find out who is working on our request so that we can fax what they 're requesting and then follow up the fax with a phone call, but they refuse to provide us the full name of the person supposedly working on the request, and they refuse to give out that person 's direct extension phone number as well. They will only provide a first name of who is supposedly reviewing our paperwork and a fax number. Then when I request to speak with a supervisor they refuse to provide the supervisor 's name or extension they only transfer you to a voicemail. I do n't feel they are acting in good faith on our request and are engaging in fraudulent lending practices.
08/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 802XX	Web
It took months to remove my PMI, because I kept getting different answers and Green Tree Servicing stating that they did not have a phone number for their escrow department. They said you had to mail everything in. Once I finally got the PMI removed in XXXX, I was still charge the PMI amount for XXXX & XXXX. They did an escrow analysis in XXXX and refunded me {$140.00}. I was told that this was for the overpaid amount on the XXXX PMI. I was told be a couple different representatives that I would receive a check for the overpaid PMI in XXXX in the mail. When I never received a check, I called back and spoke with a supervisor. She told me that in order for me to get the check back, I needed to do another escrow analysis even though I had just had XXXX done. The taxes have increased since then, so now they sent me a bill for {$190.00} and no refund of the PMI for XXXX. Every time you speak to someone, they tell you they ca n't help you and you need to write a letter to the escrow department. They have terrible customer service and keep telling you different things, so that nothing can get done. They used many stall tactics when I was trying to get rid of the PMI.
03/01/2016	Yes	Mortgage VA mortgage	Credit decision / Underwriting	NC 27540	Web	Servicemember
I experienced a foreclosure. The loan that I took out in XXXX foreclosed in XX/XX/XXXX. XXXX was the highest bidder and purchased the home for the price of {$200000.00}. The Deed of Trust that was foreclosed on was only for {$170000.00}. Fannie Mae actually made money on this transaction as the XXXX mortgage had been cancelled. There was no deficiency that they could come back and charge me for. A new homeowner has been living in the house and paying taxes since XX/XX/XXXX. I applied for VA loan for a new home recently and discovered that Ditech Mortgage is reporting on my credit report and to XXXX that I still owe them over {$160000.00} for the remaining balance of the loan. They have been paid in full and want to collect from me and are blocking the purchase of my new home. I have lost {$750.00} in due diligence money that I gave in good faith and {$370.00} for the inspection fee and {$500.00} for the appraisal. All because they have not removed a foreclosure from their books. I am a XXXX Veteran and this entire experience has been beyond discouraging. I feel confident that these types of practices is why the Consumer Financial Protection Bureau was set up.
07/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WY 82718	Web	Older American
My mortgage that I took to buy my home in 2001 originally was with XXXX, when XXXX went through bankruptcy the loan was sold, changed to Green Tree then Ditech. After missing two payments during a divorce I was threatened with foreclosure. For missing two payments of {$1300.00} each, I ended up paying them over {$8700.00}. My payments have been current through auto deduct from my bank account for the last eight years. After the threatened foreclosure Green Tree required me to do a monthly bank draft and charged {$16.00} for every draft, said that was the only way they could accept the payment. When I asked for a loan modification they ignored the paper work I sent them, called and harassed me, had a person showing up every Sunday when all the neighbors were home and made a big display out taking pictures of the property. My issue now is they are not showing my mortgage payments on my credit report, not showing me as a home owner, and it looks like intentionally trying to keep my credit rating degraded to prevent me from refinancing. Is there someone I can call to help me with this, what documents to supply etc. XXXX XXXX XXXX XXXX XXXX XXXX, Wy XXXX XXXX
03/28/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85297	Web
Ditech recently sold off our loan, and we have not heard from them or the new company. Currently, as of XX/XX/XXXX, Ditech is asking for excessive late charges, has something unique on my bill which is holding " funds in suspense of XXXX. I have tried to contact Ditech and make a payment but the account is closed, yet they are asking for a series of payments with a due date of XX/XX/XXXX. I have yet to hear from the new company servicing the loan. I am concerned that Ditech is racking up late fees, adding funds in suspense and making the balance as high as possible and then sending it off to another company. We had a major injury in the family and went to one income but we have a long history of being current. I would like to make sure that my payoff balance is fair and that I have not been taken advantage of in this transfer process. Why hasnt the new company sent me correspondence? Why is ditech sending me a bill with a future due date? What is " Funds in suspense '' Can you please make sure that Ditech has treated us fairly. We have been in contact with them and have been trying our best. They have 20 minute wait times and it is hard to get through
10/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MN 563XX	Web	Older American
This is a follow-up from former submission XXXXI was denied a useful modification for a bogus reason ... that I received applications in XX/XX/XXXX 2014 & XXXX 2014 & failed to submit them. I had shortly before that submitted a complete application. When I called to ask about these extra copies I was told to ignore them as they were automatically mailed out.Our application was denied. Now it is happening again. I am once more 3 months in default & called to ask for help. Our home is listed for sale & we have an interested party who is expecting a large settlement soon but we have nothing on paper. I asked for my personal rep but got a gentleman instead. He asked for a lot of information & then told me they would give me a little time & to keep in touch. Then I started receiving application packets in the mail ... XXXX from XXXX different addresses in one week ... each one a little different. I called my rep who was no longer XXXX ( who I could never talk to anyway XXXX but is now XXXX for help. She told me to ignore them & do n't bother to submit any of them. And I need to pay up now or I am in foreclosure as those papers are already to send to me, HELP!!!!
04/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43081	Web
My mortgage was originally with XXXX. When they were sold it transferred to XXXX XXXX XXXX. In the XXXX of 2008 it was sold to XXXX. I would make my payments around the XXXX of each month as I got paid. The loan had a grace period until the XXXX of each month but every month @ XXXX I would start getting calls from XXXX debt collectors harassing me about the payment. Then I would be directed to the web site that each month charged me a {$12.00} " Convenience Fee '' they called it for using an automated system. Then I lost my job in XXXX XXXX '. At that point I needed to ask for a short sale. They held me out asking for above market amounts. The harassment was unbelievable by XXXX XXXX '. i was willing to do what I could to help sell the home and would vacate at any time. Eventually I had to file bankruptcy in XXXX XXXX '. After I filed bankruptcy then they wanted to help with a short sale. The home finally transferred XXXX XXXX '. XXXX made my life miserable. The treating phone calls at all hours of the day. Not wanting to help until I was forced into bankruptcy. As I get this financial nightmare turned around I will never be in a mortgage serviced by XXXX.
12/28/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 93610	Web
My mortgage loan servicer ditech frequently isn't available during their stated business hours. It says clearly on their website that I can call weekdays between XXXX and XXXX ET, XXXX XXXX ET, and XXXX XXXX to XXXX ET. ( I'm on PST so I'm mindful of the time difference. ) I have to call to make payments because I'm behind on my mortgage and to pay online or over the automated phone system you have to pay the full past amount due. I can't do that so I have to speak with a representative to make a lesser payment. Now whenever I call, their office is either closed or the representative puts me on hold until the call drops and then when I call back they're suddenly mysteriously closed despite the fact that I am calling during their posted business hours. I'm mad because if they try to say that I've gone 3 months past due on my mortgage because I failed to make a payment that's on them because they were never there to take a payment and they don't allow me to pay any other way. And personally I find it extremely shady that they force you to pay a specific way and then fail to let you pay that way as if they're trying to force me into foreclosure on my home.
06/21/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 98029	Web
XXXX XXXX XXXX sold my loan mortgage to Green Tree Servicing since XXXX XXXX. Then now Green Tree changed their name to Ditech. Starting on XXXX XXXX, I paid {$800.00} for payment of XXXX and {$5000.00} which breaks down {$770.00} for payment of XXXX and {$4200.00} for paying extra principle. The billing statement on XXXX/XXXX/XXXX was CORRECT that showed my principle balance was {$87000.00} and the due date on XXXX/XXXX/XXXX. ( See attach ). I paid {$770.00} on XXXX/XXXX/XXXX for payment of XXXX. So the current principle balance is {$87000.00} - {$180.00} = {$86000.00} The billing statement on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX were wrong. ( See attach ) I had several phone calls to speak with different representatives to confirm that I did n't pay late ; I did request all my extra money paying to my principal ( {$4200.00} ) ; and my current principle balance was wrong. XXXX is my second language, so I sent email and physical mail to Ditech in order to make sure they clearly understand what these problems are, but it was not completely resolved. Please help and call me any time XXXX for further questions. Thanks in advance. XXXX XXXX.
05/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33463	Web
I have reached out to Ditech repeatedly to have them fix their records of my mortgage payments. My mortgage is up to date with payments but they continue to show we are past due AND assess me late fees that are not justified. My email messages and phone calls continue to go unanswered. The long and the short is .... As we explained in emails we were victims of identify fraud XX/XX/XXXX. That led us to having to open a new account so our XX/XX/XXXX payment was not made until XXXX/XXXX/XXXX. Then we forgot to setup autopay so our XX/XX/XXXX and XX/XX/XXXX payment was n't made until XXXX/XXXX/XXXX totaling {$3200.00}. Our XX/XX/XXXX payment was made on XXXX/XXXX/XXXX and our XX/XX/XXXX payment was made on XXXX/XXXX/XXXX. We are up to date until the next payment that is due on XXXX/XXXX/XXXX. To recap : XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment XXXX/XXXX/XXXX {$3200.00} covered XX/XX/XXXX and XX/XX/XXXX payments XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment Next payment not due to you until XXXX XXXX for XX/XX/XXXX mortgage. Along the way they took multiple payments from my account but they have refunded those.
06/15/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	OR 970XX	Web
I declared bankruptcy ( XXXX ) in XXXX XXXX and re-affirmed my loan with XXXX XXXX. XXXX reported my payments as " current '' which was correct. The issue came up when XXXX transferred my loan to Green Tree as of XXXX XXXX. XXXX failed to report my loan as " re-affirmed '' and this error was duplicated by Green Tree. As of XXXX XXXX Green Tree still continued to show my loan as in bankruptcy despite the loan being re-affirmed and the bankruptcy being discharged in XXXX XXXX. Green Tree also showed late payments in its XXXX report to the credit agencies which was not correct. I wrote Green Tree on XXXX XXXX, XXXX when i became aware of this. Green Tree sent me a letter dated XXXX/XXXX/XXXX where in they decided to delete the loan from any credit agency reports. The loan exists and instead of correcting the error they simply deleted the loan from all XXXX credit agencies. I checked my credit report with XXXX today and sure enough, there is NO Green Tree mortgage. So now the XXXX XXXX is still reported with last activity XXXX which is a mistake AND there is no note that shows a transfer to Green Tree because Green Tree simply deleted the entire loan account.
08/04/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NE 68046	Web
I have paid {$2200.00} in " principal only '' payments to my mortgage company. The amount was recorded on the PRINCIPAL ONLY line on each statement and PRINCIPAL ONLY was recorded on the memo section of each check. They applied these payments as regular payments and when I checked last month, they had me paid in advance until XXXX of this year. I have called them three times, most recently on XX/XX/XXXX ( XXXX ) and each time I was promised a copy of all payments and how they were applied to my account for the past two years but a statement never comes. I have written twice and no reply. I am ready to contact my local news station but want to try this first. These are the check numbers : # XXXX for {$300.00}, # XXXX for {$500.00}, # XXXX for {$300.00}, # XXXX for {$300.00}, # XXXX for {$350.00} and # XXXX for {$500.00}. These were personal checks as my bank sends a separate draft every two weeks in the amount of {$360.00} in advance of each monthly payment. I want these funds applied to principal only. There is no pre-payment clause and I feel what they are doing is FRAUD. The company is DiTech Financial and payments are mailed to XXXX XXXX XXXX XXXX IL.
12/05/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95377	Web
On XX/XX/XXXX, I submitted a request for mortgage assistance to Ditech Financial. Since then, I have been submitting requested documentation so that this can be reviewed for assistance. On XX/XX/XXXX, Ditech sent me a letter stating that they have transferred the servicing of my loan to Green Tree Servicing, a company that was a subject of a class-action lawsuit for failing to honor loan modifications that were in the process of being finalized when consumers loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. Although they have informed me that the request for mortgage assistance is still in review - they are engaging in dual-tracking by also advising me the the foreclosure sale is still moving forward on XX/XX/XXXX.
09/18/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 435XX	Web
I submitted for a loan modification with Ditech toward the end of XX/XX/XXXX. They sent a letter to my attorney ( because I had filed for bankruptcy XX/XX/XXXX ) dated XX/XX/XXXX. I assume this letter did n't get to my attorney until a few weeks later as I did n't sign and send back info untilXX/XX/XXXX ( they were asking for paystubs and a XXXX ). I called in a few weeks after that and they stated I filled out the XXXX incorrectly. I sent back but updated XXXX on XX/XX/XXXX. My bankruptcy XXXX XX/XX/XXXX. Nothing was rcvd until XX/XX/XXXX by my attorney. It was a letter dated XX/XX/XXXX that stated they would modify but they actually increased my payment not lower it and said payment was due XX/XX/XXXX! So from XX/XX/XXXX until XX/XX/XXXX no correspondence. I have received nothing from them in the mail since the XX/XX/XXXX correspondence. According to RESPA Ditech has violated the law : 1. " a creditor must provide workout options within 45 days of a missed payment '' 2. " a creditor must notify a borrower 30 days after submission of a complete loan workout application if there 's an option to save the home '' Both of these parts of RESPA were violated.
07/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NV 894XX	Web	Servicemember
My mortgage is owned by XXXX, we have painfully dealt as best we can with all of the shenanigans our lender has stuck us with over the past 10 years. XXXXGreentree>Ditech, A XXXX company. We have battled almost every step of the way when my husband was XXXX in XX/XX/XXXX. Now we are in foreclosure again due to a modification trial payment mishap which now has us devastated and in fear of losing the one thing that we have worked so hard to keep since purchasing in XX/XX/XXXX. I've tried calling my "acct rep" multiple times, left many messages, emailed a request for them to call me, and have called the main number several times with no success getting someone to help us. My calls going unanswered and ignored have me furious and suspecting that we are being mistreated in every possible way. Like many others I've read about dealing with similar problems with this company, I feel certain these are not simply "isolated cases" and certainly no accident. I want to keep my home and they don't care to help properly. They've changed my account number multiple times, and assigned me many different reps through the years, now I feel I'm falling on deaf ears.
03/16/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	RI 029XX	Web
Have a mortgage which change servicing rights to Ditech. In the loan docs it states in correctly that the insurance was to be escrowed. In the mean time Ditech failed to pay my taxes on time and due to a city property tax mistake my taxes were over paid by {$2300.00}. I have since changed the escrow and requesting the insurance not be escrowed. The taxes are now being refunded directly to Ditech and I have requested the make a one time payment for the insurance. The previous servicer failed to pay the insurance for 9 months. Now I am requesting the they make a one time payment to my insurance and discontinue future payments, and calc esrow going forward correctly without the insurance. Been since XX/XX/XXXX trying to get them to get someone to correctly get it write in my account 4 call 12 representatives. On top of it I am a 30 year financial services exec with years at XXXX for the XXXX, I well understand this business but the agents and system at Ditech gets on one who understand all aspects of this error. They will now include it in the escrow and will not issue a one time payment without changing the escrow analysis. It 's around around in circles.
10/17/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33161	Web
Ditech took on our mortgage from another company a little more than a year ago. We are never late on payments for any bills and have had an account in good standing since this mortgage 's inception XX/XX/2014. In the last several months, Ditech has halted my ability to make automatic payments or online payments and charge fees for all other payment types ; deducted mortgage payments twice from my account ( taken out double what is due ) in two different months ; received authorization to collect payment over the phone and fail to take the payment ; reported to the credit reporting agencies that we were late on payments ( we were not ) so that I had to report them to the credit agencies ; sent collections people to our house in error multiple times ; refused to give us a record of our calls or proof that we are an account in good standing ; lost track of how much we have ( and should have ) in escrow ; and increased our monthly payment from about {$1000.00} per month to about $ 2400 monthly stating that they incorrectly accounted for property taxes. We have been diligent in following up with them monthly and this nearly five month saga is still ongoing.
04/01/2019	Yes	Mortgage FHA mortgage	Closing on a mortgage	NY 11413	Web
In XX/XX/XXXX I applied to XXXX XXXX to refinance my Ditech mortgage. I was approved for the loan in the amount of {$260000.00} at an interest rate of 5.375 %. Ditech was contacted several times by me and XXXX XXXX beginning XXXX XXXX in an attempt to secure a payoff amount for my current mortgage. The representatives at Ditech were aware that I was attempting to refinance my loan and assured me that payoff information would be sent to XXXX XXXX in a timely manner however, that was not the case. My original closing date was XX/XX/XXXX but Ditech failed to provide the payoff information before the closing date. After numerous attempts get payoff information by myself and my representative from XXXX, Ditech finally sent the information on XX/XX/XXXX with a payoff amount of {$380000.00} which included a daily per diem interest rate of {$1300.00}. Needless to say my loan through XXXX was rejected and I am back into foreclosure with Ditech. I truly feel that if Ditech had processed my request in a timely manner I would have been able to secure the loan through XXXX. Anything that you can do to assist me with this situation would be greatly appreciated.
04/05/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	VA 24540	Web
My husband and I are trying to pay off our mortgage. We made a payment XXXX in XX/XX/XXXX to go to principal only. They only applied XXXX to principal and the rest on insurance which makes no sense because our insurance is through the payment and is up to date. I called and the representative said that was a mistake and it was fixed and would show up on the account in five days. So when I called back in five days it was not fixed. She told us that the request was put in but never completed and she would put in another request and would take another five days! We have been trying to pay this off since XX/XX/2016! We have gotten the run around for months and we have been lied to over and over. We have had this loan for over twenty years so we sent in a offer to pay the loan to see if they would take less. We were told they approved this offer then they ordered XXXX appraisals of the property. After some digging we found out that they only do appraisals in a foreclosure. We called back only to find out that not only was the pay off request not sent in also the lady we talked to does n't work there any more. We are at our wits end and need help. Thank you
03/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60103	Web
I have worked and am still working in the XXXX for 42 years been married for 37 years and lived in and paid for this home 28 years. One day in the local paper is a notice stating our home is foreclosing. The judicial sale is taking place this Thursday XXXX XXXX. We are losing our home even though we did all the right things paid our taxes-paid our bills. Right now we have NO outstanding debt except this loan and a student loan. Our credit is excellent. So why would we stop paying on this mortgage? For what purpose? We got an attorney XXXX XXXX and we never met with an attorney. Even in court they did n't introduce themselves. Now we are out {$7000.00}. Please even tho it 's tempting do n't go with pop ups on the computer. They are just stealing from you. There is NO ONE that will help you They will steal from you and you will still have no where to live. This loan started with XXXX XXXX XXXX went to XXXX then to many others. I do n't even know all of the lenders that have changed hands over the 28 years. We paid off credit cards to XXXX and XXXX XXXX and they will not report the XXXX balances to the credit bureaus. Why are we being hurt this way? Why?
06/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95661	Web
I just received a phone call from Ditech mortgage stating that my payment has changed. It had been increase for over $ 250+ since XXXX of 2015. They admit they did n't send a letter stating the increase, they explained to me that this was not required. Now I am behind and need to come up with {$1500.00} to come current and pay the new {$1600.00} mortgage payment. This was an increase of 1 % last year and then another 1 % this year without notification of any kind. I explained to them that notification was never received at our residence for this mortgage increase, they explained that they did not have to send a payment increase notification. It had increased 18 months prior and the payments that were made by me were current every month, but short since the payment has increased. 18 months later we get call stating the payment has increase to {$1600.00} and we are behind an additional {$1500.00}. This was the first call we received from anyone at Ditech or Greentree ( the previous lien holder ) on any thing to do with my mortgage. They were very forceful and abrasive with their tactics of revenue recovery. Ditech XXXX, AZ Office supervisor XXXX XXXX
08/30/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 44212	Web
My mortgage was transferred from XXXX to Green Tree servicing in XXXX 2015. I was current with payments to XXXX when it transferred. I have made XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX payments in FULL and On time to Greentree. Unfortunately in XXXX 2015 BEFORE my account went to Greentree, An additional payment was erroneously posted to my account AFTER I paid my regular payment to XXXX. XXXX realized this in XXXX 2015, and requested Greentree to take the erroneous payment out of of my account. Greentree took it out of my monthly payment amount that I had already paid on time and in full instead of taking it out of the Balance of my account. Now, greentree says I own additional money to cover what was taken out!!! I was current with XXXX and am current in my payments to Greetree, but they have charged me late payment fees, etc and no one will correct this error!! This was not my error ... Also just found out that they paid my property taxes late and I got a {$110.00} fee on my tax bill that they are in charge of paying! Help ... I ca n't get any help from Greetree and now that it is changing to XXXX, I am afraid that this will go on forever XXXX XXXX
04/30/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA XXXXX	Web
ditech issued a new format billing statement. I believe that my loan may have been transferred to the XXXX XXXX billing platform. 1. a XXXX payment is recorded. I do not know what this represents. 2. the " address on the front of the statement '' now states XXXX XXXX XXXX. 3. I do not know who are the members of the ditech financial LLC. 4. I do not know the State of California business license number. 5. I do not know the actual name of the firm incorporated to do business in the State of California. 6. I do not know the name and address of the registered agent in the State of California. 7. I do not know if my loan is being processed thru the XXXX XXXX platform or if my loan is being processed through the GreenTree or ditech platforms. 8. I do not have a hand-off statement from ditech. An acceptable hand off statement will correlate a ) old-new account numbers, b ) principle balance, c ) escrow balance, d ) property address, e ) parcel number, f ) liens known at the time of the transfer. 9 ) the current state of escrow payments should also be shown in order to know the cut-off date for payments made through the old and the new billing platforms.
10/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 97502	Web	Older American
On XX/XX/2019, Ditech sent me a notice that they had a computer problem and that my payment for XXXX was returned to XXXX XXXX XXXX and to please resubmit the payment. I did so immediately. However they lost the payment and kept saying I was behind and overdue with my monthly payments. I have receive several calls and letters stating such. I called Ditech and explained to them the situation and shared the fact that I have never been late on any payments and was up to date. At their request I had XXXX XXXX XXXX XXXX Ditech proof of payments and XXXX XXXX XXXX manager spoke to them in detail that it was their fault. Finally they got it and said I was correct and that it would be taken care of. It is now the end of XXXX and Ditech still has not corrected the problem and continues to send letters stating that I owe them payments. I have talked to eight different representatives of Ditech and all they do is keep putting off the problem. They are now stating that XXXX XXXX XXXX will be servicing my mortgage beginning XX/XX/XXXX. I have proof of payments and XXXX XXXX XXXX has talked to Ditech several times but nothing is being accomplished or resolved.
04/20/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MI 48331	Web
I was trying to short sell my home. I called and asked about the process. The employees kept saying the lost paperwork, someone passed away so they had to start over again ( SEVERAL TIMES ). I was told I could NOT do a short sale I had to do a deed in lieu, however, I contacted my attorney and she told me that was n't true. She stated everyone has a right to first try to short sale my house. I went to meet a potential buyer and I was n't even late on my payment and the door knobs were already broken, so I couldl n't even get into the house. There was some property management company sign on my window. I was dealing with a realtor and he got so angry with one of the workers they were cursing at each other and she hung up in his face. Finally I had a buyer for the short sell and they told me well you only h ave 2 weeks before your time runs out to do a short sale so we ca n't do this and told my realtor sorry we would n't be able to close in enough time so, the house went into foreclosure. I can have both realtors contact whomever needs to be spoken to. I also file a complaint on the website when this happened, but heard nothing back from anyone
02/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76182	Web
My loan was sold from XXXX to Ditech XX/XX/2018. My insurance and taxes are escrowed into my monthly home insurance payment. I received a notice from my Homeowners insurance company on XX/XX/XXXX that the Insurance invoice had not yet been paid. I contacted DiTech immediately XX/XX/XXXX. During the call I provided the name to the insurance company, insurance phone number, account number, and insurance agent phone number. ( Which I could already see was visible on my account profile online. ) The representative assured the payment would be made immediately. Yesterday XX/XX/XXXX, I receive another letter from the insurance and mortgage company that the bill was not paid. I contacted XXXX ( Insurance ) and they confirmed my insurance was pending cancellation. This morning XX/XX/XXXX, I contacted the Insurance Agent who advised I would need to pay XXXX to reinstate the insurance. She advised she had heard NOTHING from Ditech and was unaware a statement was required. DITECH has my money and has caused a lapse in homeowners and additional funds that needed to be paid. I demand to remove escrow and get full refunds for all funds paid to reinstate.
04/19/2016	Yes	Mortgage Other mortgage	Settlement process and costs	ME 042XX	Web
I bought a double wide trailer in a park and got financing from XXXX in XXXX. It has a very high interest rate of 14.9 %. I am try to refinance before it gets 15 years old because I can not get financing with credit union after that. I am pre approved for financing or to buy another home. The problem is XXXX now Ditech has XXXX XXXX liens on the property XXXX. The new lender has asked at least 3 times for them to release the first lean, I have also called several times on this. We keep getting same answer, they will terminate the lien once they receive payment in full. The new lender or any other bank will not give Ditech any money while they have XXXX liens on the home. The first one should have been terminated. Therefore, they are preventing me from refinancing or selling the home. This has been going on since XXXX XXXX, XXXX. I want to do a payoff but they will not terminate XXXX of the XXXX filings XXXX. Clearly you can see on these XXXX 's that the secured parties on XXXX are XXXX. I should only have XXXX lien. I need to get out of this loan because it is a simple interest loan and I owe more for the house now than I did when I bought it.
12/19/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MO 631XX	Web
Dual Tracking I am writing this complaint in hopes the CFPB will investigate Ditech and their DUAL Tracking procedures. I have been trying to work with Ditech for a few years to get my mortgage back in order and situated with my my mortgage payments. Each time I submit it has always been denied for various reasons including title issues and missing documents. My issues now are more recent as of my last conversation with a Ditech on XX/XX/XXXX Loss Mitigation Manager XXXX Id Ext XXXX, she informed me that my file is in with Underwriting for Decision but yet the sale date is still active for XX/XX/XXXX. I pointed out that this is Dual Tracking and that by law they are not allowed to do this and requested for the sale date to be postponed allowing me time to be properly reviewed for mortgage assistance. The rep XXXX stated that unless loss mitigation approves the loan workout my home would be lost in foreclosure. Also, this is an FHA loan and FHA also has strict guidelines on Dual Tracking, again I feel Ditech is performing Negligence on my home and is in clear violation of Till, Respa and HARBOR laws. Please help stop this sale date on my home.
10/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91711	Web	Older American
AS IS REPORTED BY YOU OFFICE DITECH IS NR XXXX OR SO ON THE LIST OF THE U.S. WORST COMPANIES FOR COMPLAINTS OF FRAUD BY CONSUMERS. MY LOAN WAS ORIGINALLY WITH XXXX WHO TURNED IT OVER TO XXXX, WHO TURNED IT OVER TO GREEN TREE WHICH IN TURN WENT UNDERGROUND AND BECAME DITECH. XXXX ITSELF IS NOT MUCH BETTER. MY LOAN IS A SIX AND ONE HALF PERCENT LOAN WHILE THE REST OF THE U.S. IS IN THE ONE TO TWO PERCENT RANGE. IT IS A NO RISK TO DITECH XXXX XXXX LOAN.. I HAVE REPEATEDLY ASKED FOR AN INTEREST ADJUSTMENT BY DITECH XXXX AL. THIS IS A XXXX COMPANY WHICH ALSO OPERATES UNDER THE " DO IT TO OTHERS BEFORE THEY CAN D IT TO YOU '' COMMANDMENT AND THE BUSINESS MOTTO OF '' PREVARICATE, CHEAT AND PURLOIN '' THE LATEST COURT ACTIONS ARE PART OF THE CONTINUING EFFORT LOAN COMPANIES TO PERSECUTE XXXX XXXX AND THE CFPB, THE ONLY GOVERNMENT AGENCY THAT TAKES THE SIDE OF THE TAXPAYER AND CONSUMER. THE CONGRESS ITSELF IS PUTTING IN MAJOR EFFORT TO AUTHORIZE LOAN COMPANIES TO DRAIN THE BLOOD OF THE TAXPAYERS. I WOULD BE WILLING TO BE A WITNESS FOR CFPB AT ANY CONGRESSIONAL HEARING ON THE SUBJECT. DITECH EFFORT AGAINST ME IS ALSO XXXX ABUSE AND AGAINST CIVIL RIGHTS
03/22/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30106	Web
I am writing a complaint about my mortgage company ditech, I was billed XXXX which was grossly incorrect, so I contacted them. While doing so I encountered a representative that treated me with a discriminatory tone because I am a recipient of assistance with my mortgage. My payments are divided into a percentage that I pay and the remaining is paid by a subsidy. I have not had any issues with my previous mortgage company regarding my payments, but this is the second such incident I have encoutered with my current one. The call I am referring to took place on XXXX XXXX, 2016 at between XXXX XXXX and XXXX XXXX and is recorded by the mortgage company. I was given XXXX different amounts owed during the call and finally the customer service representative said that after running the numbers she could not see where I owed the amounts stated but that it was about {$130.00}. She said she would have to get with her supervisor before she could say for sure. I was told that it was the fact that I get assistance that my statements are n't accurate and that I should n't go by my statements. I asked what other method could I go by to determine my payments.
11/09/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NY 14450	Web
I assumed the mortgage account # XXXX with Ditech on XXXX XXXX, XXXX. The first payment was due on XXXX XXXX, XXXX. The underwriter suggested that I should wait few days, since the date due is too close to the closing date. I called to make the payment on XXXX XXXX. The representative told me that the payment of {$14000.00} plus was due on XXXX XXXX, and there is no other information available. He suggested to wait till XXXX XXXX. I did, and was told I was mistaken, and the payment was due on XXXX XXXX in the amount exceeding {$14000.00}. They could not find any assumption papers, and suggested to monitor account electronically. I did, and to this day nothing had changed. Even when I specifically pointed Ditech XXXX XXXX XXXX, XXXX # XXXX to page XXXX of XXXX, paragraph XXXX, Assumptions of original Terms, she said that she is looking at the page and sees XXXX XXXX, and accused me of lying. I never received the signed copy of the agreement from Ditech, as required by law, it was n't registered XXXX XXXX of XXXX as far as I could find out, and Transunion has no knowledge of mortgage in my name. However, I have the copy of the papers I signed.
04/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 95032	Web
Had a trial loan modification with Greentree in which payments were made. On XXXX/XXXX/15, Greentree sent Permanent Loan Modification document, which was due back by XXXX/XXXX/15. There was no mentioning that this document needed to be notarized. The only instructions were " To accept this offer and take advantage of this opportunity, you must sign and return the enclosed Agreement by XXXX/XXXX/15. '' The agreement was signed on XXXX/XXXX/15 and sent via regular mail to Greentree 's address at XXXX XXXX XXXX, XXXX, AZ. After sending back the signed modification, borrowers made a phone payment of the permanent loan modification amount on XXXX/XXXX/15 in the amount of {$1200.00}. The confirmation number was XXXX. Borrowers called back on XXXX/XXXX/15 to make the XXXX payment and Greentree said the loan was in foreclosure because the final loan modification documents were never received. Greentree has instructed the borrowers that they need to start the loan modification process all over. This is an abuse and we need help from the Consumer Financial Protection Bureau to enforce the permanent loan modification that we worked very hard to obtain.
01/07/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10462	Web
I " inherited '' them as my servicer when they purchased the company that held my loan. Green tree and now ditech bought forced insurance on my property, at double the going rate. I have a Co-Op which means the building has its own insurance. After numerous complaints and hiring a attorney, ditech conceded that they made a mistake. Their lawyers admitted that they were wrong and ditech sent me a letter admitting their error. This is after months of them threatening to foreclose my home and ruining my credit rating. Then ditech sent me a bill for an escrow fund which I did n't understand but paid it for the amount of {$4000.00}. I then realized that they use this escrow account to PAY for the forced insurance which they ADMITTED it was incorrect. I telephoned them about this and after speaking with several people they stated that they will " look into it. '' And when you ask them, repeatedly, and nicely as a customer for them to fix their errors they continue to gameplay. Furthermore, they continue to not cashed my past mortgage payments then they add late fees or worse send a foreclosure letter. I 'm also attaching a letter emailed to them.
06/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 27804	Web
This is a multiple issue report on Greentree Servicing. Greentree purchased my personal loan from XXXX ( despite me paying XXXX every month ) and has been terrible ever since. The XXXX call I ever received from them was a threat to go to court, despite having never heard of them or being aware that XXXX had sold my loan to them. Past issues with them include them directly lying to me about filing for a deferment that they suggested because I was short on work that XX/XX/XXXX so they said they would give me a deferment and I would n't have to make a payment in XX/XX/XXXX ( this was request was never even filed by the representative ) and recently filing one for two months, and telling me that it was for two months, but it only being approved for one month and no communication of the arrangement being changed until they began calling me asking for the payment that I was n't supposed to have to make. They call every couple of hours from XXXX different numbers ( XXXX in XXXX, XXXX in XXXX ) within ten to twenty minutes of the other call. This company is terrible at working with borrowers and make you feel threatened and belittled at any chance.
05/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19348	Web
At the end of XX/XX/XXXX I refinanced my mortgage with Ditech. They received the wire to payoff my mortgage ( which was sent by the title company based on their payoff instructions ) on XX/XX/2019. I have the wire operations confirmation. The routing and account number the title company used was correct ( we verified that with Ditech. ) I received a late payment notice on XX/XX/XXXX stating that my mortgage payment was late, I was assessed a late fee, and it still showed the full balance of my loan. The {$250000.00} that was wired to Ditech was never credited to my account. After several HOURS on the phone with customer service I spoke to XXXX who claimed to be a supervisor. He said he has no idea what happened to the wire, but that it was not applied to my account. He said he could not verify that they received it. I asked to speak with his supervisor and he said she was on vacation and there were no other supervisors I could speak to. He said they would try to call me back in 3-5 business days. I now have TWO MORTGAGES on the same house, and Ditech can not tell me what happened to my wire ( that I have confirmation that they received. )
12/19/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95118	Web
I have a mortgage that was bought by Greentree and then Ditech. I pay my mortgage monthly by auto-payment with my credit union. I pay early by 2 weeks and I also pay over the Principal and Interest. On XXXX XXXX 2015 I paid for XXXX. Ditech put all of the money toward principal instead of making my mortgage payment. They then claimed I was late and started charging me late fees. I called Ditech on XXXX XXXX 2015. I also emailed them. During the phone call they said that they could n't fix it! They then tried to send me a check for the late fees. I told them NO I wanted it all fixed retroactively and the funds applied correctly. The supervisor came on and then said they would fix it in a week. It is now XXXX XXXX 2015 and it is still not fixed. Ditech has failed to fix the problem and the latest payment info shows that they have failed to correctly credit my account. They are also not applying the interest on my mortgage correctly. Ditech has committed fraud with my mortgage and is failing to credit my account correctly. I want my account fixed retroactively with correct credit on interest, especially when I pay additional on the principal.
04/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 31088	Web
I have submitted a PMI cancelation letter to Green Tree, and they denied, even thought my loan to value is already 79.89 %. My understanding is that once the LTV reaches 80 %, I can by law requires the cancellation of the PMI. Green Tree point out to me, in the letter that I attached, that : A minimum aging ( seasoning less than 2 years ) is required for my account, and the loan to value need to be 75 % or less. The date that my mortgage is schedule to reach 75 % is XXXX/XXXX/XXXX. My closing paper said I can cancel my PMI when loan to value is 80 %, and their escrow department sent me a letter saying I have the right to request the PMI to be cancelled on the date that loan to value is 80 % or lower. Green Tree never mentioned anything about minimum aging or loan to value need to be 75 % or less. I would like to ask the CPFB to assist me, in order to have my problem solved. Basically I would like to have my PMI dropped from my mortgage, and any extra payments that I have sent to Green Tree, starting on XXXX XXXX, in case this problem takes a few months to be resolved, to be refunded back to me. I appreciated your attention, XXXX XXXX.
09/11/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08527	Web
As noted in a previous complaint, the company was dual-tracking during the loan modification process. First application was denied and the appeal was denied but they referred the account to foreclosure during the process before decisions were made. They denied this of course, even though the account was referred to foreclosure after the appeal was submitted but before a decision was made on the appeal. The new issue is that the company encouraged re-applying for assistance, so we submitted a new application. They contacted us that they needed updated pay stubs.These were submitted on XXXX XXXX, well before their stated deadline they gave to " preserve our protections. '' As of XXXX XXXX, we have not received any further information from the company as to the status of the second application. We have left messages with our account representative numerous times asking for an update, but we have not received a response. It is beyond the deadline for them to have given us a decision but we have not received any information from them. We are assuming they have proceeded with the foreclosure process despite not following the proper procedures.
05/15/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 06095	Web
Ditech XXXX XXXX, et al, has sent me 2 notices that they are involved with the U.S. Bankruptcy Court XXXX District of New York and I have my Mortgage with them. I called Ditech to get info and they said my Mortgage is not involved, but why did I get these papers? The papers say If I want to be involved with the Bankruptcy lawsuit, I need to contact a Atty. but I can not afford one. I am XXXX, I have XXXX. I have never missed a Mortgage payment. I requested the two females to email a statement that verifies me that my Mortgage is Not involved with this lawsuit and no one would. The papers clearly state that IF I do not take action I will not be able to collect any money if my mortgage is involved by this lawsuit filed. Again, I can not afford to hire a Atty. to investigate this matter, My mortgage is 75 % of my monthly income from my XXXX Income and I do not think this is fair that Ditech may be RIPPING me and others off for their error ... .They should respect me and let me know IF they have cheated me, after all they threaten me every month that they will charge me a huge late fee IF I do not pay them on the due date. Thank you. XXXX
07/13/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	SC 293XX	Web	Servicemember
My Husband XXXX XXXX has a mobile home loan with Green Tree which we paid the principal balance off back in XXXX. Green Tree is refusing to release the title because they say they have added insurance to the account even though we have provided proof of insurance to them. They are charging us interest on something even though we have statements that show a XXXX principal balance. We have been dealing with this issue since early XXXX and have faxed document after document showing we had insurance during the dates they are trying to charge us for. In the mean time they are harrassing us by telephone daily for the money and have stated they will no release the title until we pay the insurance. We have proof of insurance. We are paying fees to keep the mobile home in place due to the fact the purchaser who bought it from us ca n't move it until we have a mobile home title. It is a racket. You should n't be able to assess insurance on a property that already has insurance on it and then expect people to pay for it and not refund them. We have had this happen XXXX other times with Greentree. Our balance is paid in full and we want our title.
02/20/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PA 150XX	Web
I fell into default on my mortgage when I had to move for a new job and needed housing in a new city. I received a letter from my lender, DiTech, requesting that I contact them to discuss options. I have called five times now at times when they are open for business and each time am sent to the voice mail of a " XXXX. '' I left detailed messages each time along with my phone number and a request that she return my call. I submitted two different email complaints to the company about the non-responsiveness and my need to speak with someone immediately. They did not respond either. I believe that because I have mortgage insurance, they are intentionally avoiding me so that they can foreclose and collect the mortgage insurance and the proceeds from foreclosure. This is not right. They are required to offer me several options to avoid foreclosure but all of these are unavailable to me if they refuse to return my calls. Please help me with this as quickly as possible as the lender will foreclose very soon. The lender is DiTech Financial LLC at XXXX XXXX XXXX in XXXX XXXX, SD XXXX. Their telephone number is XXXX. Thank you, XXXX XXXX XXXX
06/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 14215	Web
My mortgage company was billing me close to {$50.00} a month for a Third Party Add on Product. I have an automatic draft thru them and did n't realize the increase for for several months, when I noticed it I though it was a lender placed insurance so I called them to confirm so I could send in proof of my homeowners policy. I was shocked when they told me it was an optional insurance thru one of their affiliated companies, some type of home warranty. I had never talked or corresponded with this company prior but they insisted I must have signed up for it and I would need to call that company to inquiry further. I called they number they provided me an was given the run around, they canceled the policy going forward but would not refund the money they stole from me. They advised I must have returned a mailer or given verbal consent. I denied this and they informed me they would place a request to send me proof or a refund. It has been several weeks and have yet to hear from them. I believe this is a violation of UDAAP and feel my mortgage company should be held responsible and refund the money that they took from me without my consent.
10/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02703	Web
I have been trying to payoff my mortgage with ditech and was given a payoff amount that was good till XXXX. Mailed the payment in and it was drawn from my bank on the XXXX. Recieved a call saying payment was not received till the XXXX and that I owed another XXXX. I have called 12 times and have been given different answers from different representatives. I have spoken with a few supervisors that have told me they did receive the payment on the XXXX and would take care of it. They all say that they will send an email to the payoff dept. and that I am not allowed to talk to payoff dept. Recently received a letter stating that payoff was not enough and that I owed XXXX that needs to be payed by XXXX. Sent certified check XXXX next day with confirmation and they do n't have record of it. Received a new statement saying I owe XXXX so I called again. Same answers. They will send an email to payoff dept. I have payed what they told me by the dates required and I want this resolved with excess money returned. They have created a deceptive system because you ca n't get the correct answer from the dept. that should be answering your question.
10/13/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CT 06450	Web
PMI should automatically cancel when loan is under XXXX % loan to value. According to the original value and Ditech 's own calculations ( see attached ) my PMI should have terminated already. When you add the {$5000.00} HAMP incentive they are a year overdue in crediting I should be reimbursed for almost a years worth of PMI since I would have hit the XXXX % mark 12 months ago. I have another CFPB complaint in regarding the failure to credit my HAMP. In addition the company never responded to CFPB complaint XXXX in any meaningful way. On XXXX XXXX 2016 they closed it saying they would resolve it in 60 to 90 days which never happened. In addition, they negatively reported me to the credit bureaus in XXXX which is also a violation of Dodd Frank since they have an unanswered RESPA inquiry they have failed to address for over a year. How can you be late when the balance and payment information they send to you is incorrect? There are countless violations of Dodd Frank. I am tired of waiting for a reasonable response. My next step is consumer attorney. I have not even gotten into the illegal application of fees they transferred from XXXX.
09/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 080XX	Web
In a nut shell. Initially I was with XXXX. Now they switched me to Greentree. XXXX solicited me to refi for a lower mortgage rate. Instead of doing that they force placed flood insurance on me started taking over paying my taxes and homeowners policies and demanded an extra {$1200.00} a month for an escrow account upon which they were not contracted to do. I have submitted all proof from FEMA since 2008 that I do not require flood insurance but they did not care. They began pre-foreclosure on my home, despite the fact I have not had a late payment with them in years. I have since paid legal fee 's and mortgage rescuer fees in addition to the {$1200.00} they demand for escrow. Not of this makes sense and they refuse to reply to anyone including my attorney who has all the paperwork. His name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXXYou can also contact my Insurance agent XXXX XXXX from the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 's XXXX. Despite the Class Action Lawsuit lost against XXXX they continue to try stealing my house from me, ruining my credit and XXXX every last penny out of me. Thank you for your help and consideration.
08/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27405	Web
In XXXX we fell behind in our mortgage payments which resulted in our house being foreclosed on. The foreclosure process began in XXXX of XXXX. We received a letter saying that we should be out of the house by XXXX XXXX, XXXX. We were out by that date. Sometime during the foreclosure process or after our mortgage was sold from XXXX to greentree mortgage. In XXXX of XXXX I had my credit pulled to see if I would qualify for a loan with another bank. They told me that they see the foreclosure of my house with XXXX, but they also saw another foreclosure from greentree that started in XXXX of XXXX. I have contacted greentree several times and I 'm always getting hung up on, or told to call XXXX to get information about what 's going on. Greentree claims that I owe them over {$19000.00} and that they have had the mortgage XXXX. On another call they say that they have had the mortgage since XXXX of XXXX. I can never get a straight answer from any of there employees or supervisors. They are rude and act like they have no clue about my account with them. I get switch back and forth from department to department with the same dead end results.
08/28/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA XXXXX	Web	Older American, Servicemember
As a mortgage debtor with my debt being serviced by the XXXX XXXX ditech subsidiary company, I have concerns for the ability of the XXXX XXXX to devote adequate resources to their public offering of service. I note XXXX chief executive officers during a 12 month period. I note a XXXX % -XXXX % decline in stock price. I note a current stock price near the XXXX value when the major stock exchanges would consider delisting of the stock. From my experience in accounting and finance fields I suspect that the XXXX XXXX may be in breach of some loan covenants. With the turn over of chief executives I suspect that the XXXX XXXX XXXX not be able to provide consistency in company conduct. Much of the ditech loan portfolio originated from XXXX. I view much of this portfolio as having the potential for sub-standard underwriting and for having defects in documentation, implying the probability of higher loan servicing costs for ditech. With the fourth CEO within a 12 month period of time and a record of substantial penalties paid to resolve the results of past business practices, I have concerns for the ability of ditech to operate its business.
07/08/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	TN 373XX	Web	Older American
I closed on the sale of my house XXXX/XXXX/16. I called 2 days later regarding refund of escrow in the amount of {$2100.00}. I was told it took 3 weeks. # weeks later I called and was told it was mailed XXXX/XXXX/16, No check. Called again Mailed XXXX/XXXX/16. No check. Was told there was a problem with their system and I 'd get a check in 10 days. No check. Was told it was mailed XXXX XXXX, 2016. No check-? 9 times I called and talked with 8 different reps : XXXX, XXXX, XXXX, XXXX ( XXXX different XXXX ) XXXX, XXXX ( who clamied to be a legal rep ), XXXX XXXX and numerous voice mails where I ca n't understand the name of the perons who is supposed to call me back but never does. 42 days after they got the pay off for my loan and I sitll do't have a refund check for the escrow. I was not late one time. I ask for a check to be put in over night mail but they ca n't do that, yet they have an address for a consumer to send an overnight mail payment. I need some assistance in getting y refund check. What information do you need from me.Name : XXXX, email XXXX,. Please help me to get my refund in a timely manner. Thanking you in adavance
08/31/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	KY 410XX	Web
I RECEIVED A LETTER FROM A COMPANY SAYING THEY HAVE TAKEN OVER MY MORTGAGE. 2 YEARS AGO I RECEIVED A LETTER FROM XXXX TELLING ME THAT THEY ARE RELEASING MY LEIN ON MY HOUSE. THAT I AM NOW RESPONSIBLE FOR MY TAXES AND MY INSURANCE. I WAS BEHIND IN MY LOAN AT THAT TIME. ON XXXX/XXXX/15 I RECEIVED A LETTER FROM GREEN TREE SAYING THAT MY LOAN WAS TRANSFERRED TO THEM ON XX/XX/XXXX. THEY ARE SAYING THAT I OWE ALOT MORE THAN I DID OWE. I CA N'T BELIEVE THAT THIS WAS A WHOLE YEAR BEFORE THEY EVEN CONTACTED ME. ON XX/XX/XXXX I RECEIVED A STATEMENT FROM GREEN TREE.SHOWING THE PRINCIPAL AMOUNT ALONG WITH OTHER EXPENCES. I KNOW THAT MY PRINCIPAL AMOUNT WAS NOT THAT MUCH. I SENT THEM A CERTIFIED LETTER REQUESTING A PAYMENT HISTORY AND THEY REPLIED BACK WITH THE ORIGINAL LOAN REPAYMENT AND SECURITY AGREEMENT THAT I SIGNED WITH BENEFICIAL BUT NO PAYMENT HISTORY. I DO N'T KNOW IF THIS IS SOME KIND OF SCAM. FIRST OF ALL IT TOOK THEM 2 YEARS FROM THE TIME I RECEIVED THE NOTICE FROM XXXX ABOUT HAVE MY LEIN RELEASED. THEN THEY COULD NOT SEND ME A PAYMENT HISTORY SO I CAN MAKE SURE THAT THIS AMOUNT IS INCORRECT. I 'M NOT SURE WHAT TO DO. PLEASE HELP!!!
01/19/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	IN 468XX	Web
I am currently unemployed and having trouble keeping up with my XXXX mortgage payment with Ditech home mortgage. They know this. I have told them several times that I am trying to get them the money I owe them. I have been able to avoid foreclosure through family members. I get collections calls from them telling me that they know the house is vacant and are taking steps to take the house, and they know that I am still living at the address Now my relatives are getting calls telling them that I have a package and need to call a certain number to receive the package. I have check the internet on Ditech mortgage have found several negative remarks, and complaints about them. The loan was originally with XXXX mortgage company and sold to Green tree mortgage and sold to Ditech. I did not receive a new service letter from either green tree and Ditech. Which I believe is a violation. I worked in the XXXX fro fourteen years and I remember having to send letters of new servicing to customers I also AVE STRONG SUSPICIONS THAT THEY ARE INVOLVED IN PREDATOR LENDING PRACTICES. Thank you, XXXX XXXX DI TECH mortgage XXXX XXXX XXXX, SD XXXX
11/05/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MD 21702	Web
I never received my mortgage statement/bill for XXXX XXXX 2015 from Ditech financial as is required. I attempted to contact them by phone both to find out why I had n't received the statement and to arrange a payment so I would n't be late. After and endless time on hold waiting to speak to a rep I hung up and went on-line to make a payment, again so I would n't be " late ''. I made the e-payment, along with a {$12.00} fee, on XXXX XXXX. Received my statement/bill for XXXX XXXX and it showed I had n't made the XXXX XXXX payment and I now owed them a late fee. This time I was able to reach a rep by phone. She said that the payment I made on XXXX XXXX was slated for XXXX XXXX in their system. Claimed I had set it up that way so that I was in act late. I pointed out that I had n't gotten my statement as required by law, that I 'd used their system to make a payment on the due date, and I wanted the fee dropped and the record to show I 'd done what I was supposed to. She refused. So, they did n't get me my statement, their system screwed up my payment, but I 'm held responsible and getting charged and having a " late '' on my record.
07/13/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 210XX	Web
I have perfect credit history and have never been default on any bills, mortgage or credit card payments until Ditech ruined my credit by changing my monthly mortgage payment amount starting XXXX XXXX which caused my usual payment to be {$45.00} short in XXXX. Ditech then held my regular mortgage payment of {$1100.00} as unapplied fund and charge me late fees without proper notice me in time to prevent late payment. I made extra payment immediately after I realized the payment change in early XXXX. But I was still flooded with collection calls and foreclosure and homeowner assistance letters. I was treated with no respect in most phone calls even thought I explained the situation and the fact that Ditech failed to properly inform me about the payment change prior and after the usual payment were made in XXXX. I found other good paying customers have similar complaints online ( XXXX XXXX XXXX ). A supervisor at Ditech customer service even firmly deny my right of dispute and told me it is no use at all to file a dispute. I feel I have no options but to log this complain with CFPB. Please help to address this concerns.
02/13/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30075	Web
I refinanced my FHA loan XX/XX/2016. Immediately after refinancing, my loan was sold to Ditech. XX/XX/2016, I received a tax statement from XXXX County, GA stating I owed property taxes despite having an escrow account with Ditech. I checked my account online and they had the wrong parcel ID # for my property. I contacted Ditech numerous times by phone and was asked to fax the tax bill. I faxed the tax bill on XX/XX/XXXX. I called XX/XX/XXXX to inquire into the status. I was given an update that Ditech had sent a disbursement to the wrong city ( due to incorrect parcel ID ) and that the city of XXXX, GA had sent the check back. This past Friday, I again received another property tax notice from XXXX County stating a lien was going to be placed on my property due to unpaid taxes. Again I called, explained the issue again, they took down the correct parcel ID # again, and I faxed the bill AGAIN. I have also received an unpaid noticed from the city of XXXX and tried to tax that after receiving and the fax would not go through. I 'm attached all faxes, a screenshot showing the incorrect parcel ID #, and all property tax statements.
06/15/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TN 374XX	Web
Unfortunately, I am writing to you again about Ditech. They have failed to correct my account. In fact, they sent us a large envelope with papers stating we are behind on our mortgage along with some hardship documentation. I have been paying our mortgage religiously every two weeks. Moreover, I have attached documentation to prove it. Furthermore, they stopped posting our payments on their site. The payment history from Ditech is showing our last payment to them was on XXXX XXXX, 2016. However, I just made a payment toward our XXXX payment on XXXX XXXX, 2016. I still need them to correct our account. We are not late on any payments. I attached the bank statement showing we have already paid half of our mortgage payment for XXXX, on XXXX XXXX, 2016. Can someone help us, please? The last customer service representative I spoke with told me Ditech had up to XXXX XXXX, 2016 to correct our account. Today is XXXX XXXX, 2016, the account is still incorrect. You will also see how the monthly statements are changing. Why is so hard for them to correct our account? I am so tired of dealing with these people. They are crooks. Help!!!!!
02/18/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70769	Web
Ditech switched over their computer system in XXXX 2016, which caused account numbers to change and Ditech actually delayed cashing of checks used for mortgage payments. It took close to 5 months for Ditech to straighten this out. Ditech had my account ending in XXXX ( I have XXXX accounts ) as being paid more than 30 days late in XXXX 2016, despite the fact that I actually send my payment on time every month. I have proof of this. In XXXX 2016, Ditech was still trying to correct their error when they retroactively backed out my payment that was made 3 weeks earlier and put it in escrow, therefore throwing the account in default and in the collections department. I am now in the process of refinancing several mortgages and am having difficulty with this late payment showing up on my credit report. I actually disputed with the credit bureaus, but Ditech has so far refused to correct the erroneous late payment listed. This will cost me tens of thousands of dollars more due to high interest rates because of this error by Ditech. I filed several complaints with the Consumer Financial Bureau, so this situation is well documented.
04/26/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NH 032XX	Web
In XX/XX/XXXX I almost lost my home due to foreclosure. I applied for a modification threw XXXX XXXX. My XXXX mortgage. Then they sold to XXXX XXXX XXXX during the process. Fee 's were tacked on from lawyer Fee 's to administration Fee 's as well as a higher interest rate. My XXXX mortgage followed suit, Green tree. Green Tree bought my XXXX mortgage from XXXX XXXX. After fighting with XXXX XXXX XXXX for years I contacted HUD urban housing in XXXX N.H., XXXX XXXX was my contact. Around XX/XX/XXXX he got me a new loan modification threw XXXX XXXX XXXX threw the HAMP program. Green tree was supposed to follow suit but did n't. They have given me the run around for years and caused my credit problems to late payments of my XXXX mortgage. My original XXXX mortgage was {$400.00} a month. My current XXXX mortgage payment is {$770.00} at 9.25 % interest under there modification payment and interest doubled. Also the principle increased. They insist it is not there fault and XXXX XXXX is the lender. I have contacted XXXX XXXX and they are NOT the lender. Green tree also just became Ditch. Any help or would be appreciated. XXXX N.H.
05/02/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 380XX	Web	Servicemember
In XXXX or XXXX bought home through XXXX XXXX XXXX. After several years, We refinanced it through Conseco mortgage. Conseco then sold it to Green Tree Mortgage. After several years they sold it to Ditech. The home burned down in XXXX or XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX paid the home off to Ditech in XXXX, XXXX. {$33000.00}. Ditech continued to charge interest and we spent several hours on the phone with them every week. In XX/XX/XXXX, The insurance company issued another check to Ditech. They continue to bill us for back payment and interest, after several more months, Ditech filed bankruptcy but we learned through a customer service agent that they did receive the check ( certified mail ) and cashed it for the {$33000.00}, it is listed somewhere in our account, just never credited. We are now getting bills from XXXX XXXX company. Fast forward to today, we received a certified letter in the mail from a law firm, XXXX XXXX XXXX that they will be doing a substitute trustee sale on XX/XX/XXXX. ( The trustee is Green Tree ), selling the land. Hopefully getting in to see a lawyer his week, if everything opens again.
08/21/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48111	Web	Older American
My mortgage was handled by Green Tree Servicing and many if not all of the conditions stated in the XXXX XXXX, XXXX complaint occurred during the time ( 10+ years ) Green Tree was handling my account. Now it is Ditech continuing the same activities. Green Tree charged me the {$12.00} fee just about every month that I phoned in my payment, whether it was on time or late. I also paid insurance fees to them after being told that I had to have insurance on the home. I was laid off and unemployed from XX/XX/XXXX into XX/XX/XXXX and was constantly harassed and threatened with repossession by Green Tree representatives. Now Ditech is calling and threatening me with repossession if I am 2 weeks late with my payment. They have called my home 10 times in one day. Somehow they obtained my employers phone number and have called me there, even after I asked them to not call me at work. They obtained my daughter and her husbands phone numbers and have called them and left threatening messages. I 'd like to know if Green Tree ever actually paid out any of the XXXX dollar XX/XX/XXXX settlement, because I never recieved a dime from them.
09/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IA 50701	Web
I called Greentree on XXXX XXXX, 2015, to authorize a payment over the phone in the amount of {$1400.00} to be withdrawn from my account on XXXX XXXX, 2015. On XXXX XXXX that payment was taken out along with an additional payment of {$1900.00}, which was not authorized. Also a {$12.00} fee was withdrawn from my account, which was agreed to be waived. I noticed this error on XXXX XXXX, 2015, when a check I wrote was returned for insufficient funds due to the additional {$1900.00} that should have never been withdrawn from my account by Greentree. I have received overdraft fees from my bank and a return check fee from the stockbroker company who attempted to cash my check for {$5000.00}. I was investing some of my son 's money into the stock market. That money is sitting in limbo right now since they ca n't cash my check. As of this date I have not received the {$1900.00} back into my account. I have called Greentree every single day. Some days I am not able to reach my account representative. Other days I speak to her and she resubmits an email to her supervisior stating that this issue is urgent and needs to be resolved.
10/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 38135	Web
I am attempting to closeout a Chapter XXXX case but am unable to do so due to fees Ditech claims I owe totaling more than {$5000.00} in arears payment, however Ditech has not submitted these claims to me or my attorney for review and/or payment. My attorney 's office and I have attempted to obtain information and get Ditech to submit claims relating to this issue since XX/XX/2015. We have made several telephone calls to Ditech. Ditech representatives seem to be clueless as to the request or say they will give us a call back, but as of this writing I nor my attorney 's office have received a return phone call or claim for payment from Ditech. Ditech 's own attorney has tried several times to obtain this information but has informed my attorney 's office that she has been unsuccessful as well. I understand that this is normal behavior and practices for Ditech. I am very concerned that once my case is closed, and fees are later submitted for payment, Ditech may possibly pursue foreclosure procedures if I am unable to pay the full amount. Me and my attorney 's office have serious concerns that this could potentially happen.
08/23/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28278	Web	Servicemember
I have recently filed complaint # XXXX, after bankruptcy ended XX/XX/XXXX. I am contacted on XX/XX/XXXX, 3 weeks before closing on XX/XX/XXXX, by Rep XXXX who ask me for {$44000.00} I owe Ditech. She is unable to tell me why I owe them {$44000.00} but she will research it. On Monday XX/XX/XXXX I receive paperwork claiming i have a past due balance of {$44000.00} with no explanation of how. I contact XXXX at Ditech who explains I have a modification which I fax an approval letter from Green Tree to Ditech. I call up on XX/XX/XXXX and they confirm they have received the authorization letter for CFPB to contact them on my behalf, and all the paperwork from the bankruptcy and the modification approval letter from Green Tree. Now, on XX/XX/XXXX I receive a certified letter they have not received payments of {$1300.00} and I owe {$48000.00}. I still have never received reason why I owe this money. This is a case of Predator Lending it started with XXXX XXXX ( RESCINDED FORECLOSURE SALE ) Green Tree ( APPROVAL MODIFICATION LETTER ) Ditech ( INACCURATE INFORMATION REGARDING ACCOUNT $ XXXX/ $ XXXX/ {$48000.00} NO EXPLANATION )
08/04/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MO 63017	Web
My house is in foreclosure with a sale date of XX/XX/XXXX. This is the second time the bank is doing this. The first time after receiving a letter from your office explaining that I was in the middle of Loan Modification, They relented and allowed me to finish my Loan Modification. I was approved as of XX/XX/XXXX. Since XX/XX/XXXX I have been paying the monthly mortgage amount and receiving statements from them. They are claiming that I did not sign certain documents so they are foreclosing on my house. The following are my issues with them : 1. I received a letter that I was approved for the loan modification in XX/XX/XXXX 2. I have been paying every month since then 3. Although they said the sale at the first foreclosure sale was " rescinded '' my name was never put back on the property, I therefore could not get insurance for the house. 4. I did not sign the documents because I did not understand them. I was n't clear on getting my name back on the property and did n't understand what the " balloon payments '' are. 5. I called many times to get clarification and no one ever returned my calls. 6. I am in bankruptcy.
04/08/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 13502	Web
My name is XXXX I had a mortgage thru XXXX contract on a mobile home because of having XXXX illness I was out of work for a couple of months and had fell behind on my house payments and lot rent. When I got back to work I had gotten my lot rent caught up and had called Greentree who bought out XXXX andXXXXXXXX had offered to pay {$500.00} for three weeks and I would have been up to date on my house payments, but they refused the money offer so they broke the contract. And now a company called ditech has taken over the account and is trying to collect the money that is left owed on the trailer which I do not live in cause they would n't accept the the money and me and my wife had to get out. The trailer was sold to another party. I had told ditech what happened and told them to go after Greentree. They will not leave me alone. Account number is XXXX right now I am on social security XXXX and on state XXXX for the insurance I 'm in XXXX. I had my XXXX. And last month I had to have XXXX. I wish for ditech would go after Greentree they broke the contract not me, and I am not paying for something that I do n't have anymore.
03/16/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	TX 78634	Web
Hi my name is XXXX XXXX and I had my mortgage account with ditech. I payed my mortgage from XXXX XXXX XXXX for 10 years, with 0 payments missing or late. But when I transfer the payment from XXXX XXXX XXXX to Amplified my mortgage company Ditech received payment from Amplified and tried to collect from XXXX XXXX XXXX, when the account was closed and they were notified. They are claiming that I 'm missing a payment and I have all bank notices showing payment to the account. I sold the house and paid off the account ( XXXX ). They will not release the title and now want to start foreclose steps. I have tried for months to correct this issue and they are not willing to correct the issue. They are constantly harassing me with calls from several agents daily once i explained the issue they are dismissing and refuse to help correct the issue. Now a XXXX dispute has turned in to XXXX with late charges and they are refusing to release the title to the house when I have provided the document showing all payment have been made to this account XXXX. I need a response immediately to address this issue. Please call me ASAP at XXXX
03/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60137	Web
Actually, this has been going on for years. Probably 5 years. They called consistently and I finally blocked their calls so I have no idea if they are still trying. They claim I owe over $ 27k but I have no idea why. I checked my credit report and this debt is not listed anywhere on it. Never was as far as I can tell. I finally wrote them a letter explaining that there is no connection to my credit and their debt. The amount is off the wall. So they wrote back and said they couldn't do anything about it or something without more information from me. So I ignored that as well because it seemed like they were trying to get me to pay on something I don't owe. Quite frankly I have been ignoring their letters since then because there is no connection. So the other day I get a letter from them saying I could write you if I had a complaint. So that is why I am writing you. I would like these people to get me off their radar because they are very irritating and just wrong. I don't have a scanner to upload a copy of their latest letter regarding how to report my complaint. I can give you an account number if you need it.
11/03/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CT 068XX	Web
Ditech is fraudulently trying to imply that I owe mortgage payments on a home equity loan that my father took out years ago. They are claiming that they acquired the mortgage from XXXX XXXX XXXX which has already had to pay a {>= $1,000,000} settlement for fraudulent lending practices. Greentree is dissolved and now they are trying to fraudulently do business as Ditech. They do not own and never have owned the debt note and are in violation of the law that forbids such actions. In the words of the former Director of the FTC Bureau of Consumer Protection XXXX XXXX XXXX " it 's against the law for a loan servicer to lie about the debts people owe, or threaten and harass people about their debts ''. Ditech has been lying and unlawfully broke into my father 's property and placed locks on the house and removed his merchandise valued at hundreds of thousands of dollars. I filed an Order to Show Cause motion with the Court but it was never answered which leads me to believe that the Courts may be complicit. They also had the items removed by XXXX XXXX XXXX XXXX which is not even registered to be doing business in the state.
09/24/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	OH 43606	Web
XXXX XXXX my mother quick claim her home to me. I began making payment. which was with a another mortgage co. in XXXX XXXX the home caught fire the insurance co as well mortgage co was notified in XXXX of XXXX the mortgage was sold to another mortgage co which I to prove the deed was signed over to me at that time I could only talk with the department that deal with insurance claims in which I got the run around with the contractor papers. I at that point ask for the home to be paid off in which I submitted a letter at that point they stop talking with me. in XXXX of XXXX I received a call from them asking me if I still wanted the home paid off I ask about the letter I submitted and was told to submit another that one was no longer any good at that point I ask a friend who is a lawyer to contact them in which he did in XXXX of XXXX I found out they indeed paid the home off but never notified me or lawyer I had to XXXX in back taxes in which said mortgage co stated they had been paying the taxes and would take out of money owned to me call friend ask if he would contact mortgage co ask were was the balance owned to me.
01/27/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 23324	Web
I refinanced my home XX/XX/2016. Prior to refinance, my routine was submission of payments bimonthly and routinely paid more than monthly payment. After refinance, I maintained my routine. I noticed immediately after refinance that the additional payments sent were being placed in an account labeled unclaimed funds. Immediately when I notice this, I called and demanded why the additional payments were not being applied to principal and was told it would be fixed. It continued. I called again requesting why the additional money being sent was being held and was reassured again it would be fixes. It continued in total for 8 months. I have written multiple times, my emails go answered. I call customer service and I am told different things each time I call. Due to the prolonged time of resolving the issue and the inconsistency of things being told o me by customer service, I contacted XXXX and the federal housing inspector general. I have now had my capability of writing emails on their intranet disabled, I have been told that someone will follow up with me and they have not and now my end of year statement is incorrect
06/27/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 07110	Web
I am writing to you regarding my current mortgage with Ditech. My husband was laid off temporarily XX/XX/XXXX - they told us they did not have a program for his situation at the time to help us out. We fell behind and my husband went to work. I had hired a lawyer who had promised me the HAMP loan but after a couple of weeks he said we were not approved for that. He did a loan modification in which I was on a 3 way conversation with ditech rep XXXX and was promised the same rate I hade which was 3.75 % - 2 days later I received paperwork that said it was switched to 4 %. Ditech woull not take my calls until I released my lawyer - I did everything Ditech requested, I sent a certified later that was notarized and til as of date they will not return any of my phone calls I have left message after message to try and resolve my situation and no one will talk to me. I am now in foreclosure which I feel they did intentionally. I have XXXX children and I do not want to lose my house due to a company that intentionally does not answer certified mailings or phone calls. I would like help with this situation if you could please.
10/23/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 45417	Web
On XXXX XXXX my husband got a call from Ditech Mortgage that our payment was 111 days past due and we are in danger of foreclosure. I called to ask them what are they talking about and 3 days later after spending numerous hours talking to different very rude people it was explained to me that in XXXX of XXXX a check for {$2400.00} was credited to my mortgage. Ditech entered this amount twice. They had an audit in XXXX saw the error and their way of correcting it was to take my XXXX payment. I also was so far ahead on my payments that my XXXX statement said my next payment date is XXXX XXXX so the money they had to cover XXXX and XXXX they took that money as well. When this was explained to me I told her there is no way this could be legal because those were my house payments and now youre threatening foreclosure. She said they are willing to make my payments for the next year {$760.00} instead of the {$620.00} we are supposed to pay. It was their mistake and they fix it by putting a horrible hit on my credit score and a finically burden on me. Is this legal? Can they just get away with business practices like this?
05/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92649	Web
Our loan servicer transferred to Ditech who decided to first double our impound payment and then after multiple attempts to explain they are wrong and provide proof from the county, they play games with us and continue to increase it. Twice now they said say we will do an escrow review in 7-10 days and both times did not resolve the issue and actually made it worse. How this company made XXXX and then made it equal XXXX is confusing and why I have to over pay for their errors month after month or I will get a penalty and late is extremely unfair and wrong. XXXX attempt today the representative attempted they were wrong and said sorry we have too many new people and maybe in a few months your issue will be resolved. I was told I had to still continue to overpay despite them knowing they are flat wrong until they get around to fixing it. How is this legal? They should have to give me interest for stealing my money for this many months as that is what is happening. We are happy to send the details over should you need to view the documentation but I am fearful to submit not knowing if this will ever be read.Thank you.
09/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33134	Web
In XXXX of XXXX XXXX XXXX XXXX our mortgage company account number # XXXX gave us emergence relief do to Hurricane Irma for 3 months. After 3 month or on XX/XX/XXXX we started payment again to XXXX XXXX until our loan was approved for modification in XXXX of XXXX. Last payment from us to XXXX was XX/XX/XXXX XXXX.In XXXX of XXXX XXXX sold our loan to Ditech new account # XXXX in the process XXXX XXXX XXXX did not record our new modified loan. In XX/XX/XXXX of XXXX we started sending our payments to Ditech account # XXXX for 5 months our last payment was sent to Ditech on XX/XX/XXXX. In XXXX of XXXX Ditech sold our loan to XXXX new account # XXXX from XX/XX/XXXX to current. Currently Ditech is reporting to all Credit Bauru we are 180 days late from XXXX of XXXX. This is not correct we were never late on any payments. I have disputed Ditech report to all major credit companies on many occasion without any result. Ditech told me XXXX is the entity responsible for 180 days late payment, when I speak to XXXX XXXX XXXX they are telling me they have not reported any late payments and it is Ditech problem not XXXX issue.
02/22/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19460	Web
I purchased my home in XXXX XXXX, financed it through Ditech and opted for tax and homeowners insurance escrows. In XXXX XXXX, I received a delinquent tax bill from my county for school and county taxes. When I called Ditech, looking at my online account, which registered approximately {$5000.00} in escrows and only had an " earthquake insurance '' ( I live in PA, and do not have earthquake insurance ) payout scheduled for less than {$500.00}. The customer service agent told me I do n't have tax escrows on my account, when clearly I should have tax escrows set up, and the " earthquake '' insurance was coded incorrectly. It has been over a week since I alerted Ditech to the issue, forwarded a copy of my tax bills, and a copy of my Closing Disclosure reflecting that tax escrows should have been set up and tax escrows were collected at closing. My taxes have still not been paid. This is completely unacceptable and if I end up with a tax lien on my house, I am not sure what I will do. I 'm not sure why Ditech can not cut me a check of MY money sitting in my escrow account so I can pay the tax bill myself. Please help.
05/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 186XX	Web
Ditech is the servicer of my loan. I have been trying to obtain information on when PMI will drop off my loan. I sent an email on XX/XX/19. I never received a response. I called the company on XX/XX/XXXX after not receiving a response. I spoke to a representative who essentially told me that I didnt get a response to my inquiry because my loan was transferring. They are still my loan servicer at this point. They should still be answering my questions. I asked the representative my question about my PMI. She then proceeded to tell me that I am at 103 % of my loan. I asked for calculations on how she was coming to that figure and she couldnt tell me. The loan was taken out for approximately $ XXXX and I have a balance of approximately $ XXXX. I am not understanding how she came up with her percentage. She couldnt transfer me to a supervisor or manager. She then told me she would let me go and I would get an email from their company with a response that day. It is now Friday, XX/XX/XXXX and I still have not heard a word from this company. I think they are trying to rip me off and charge PMI longer than they need to.
07/17/2017	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 60103	Web
I contacted Ditech Financial to set up payments for every 2 weeks so that I could pay my loan off earlier and save come interest. I was told that I could change my loan from a variable rate to 3.5. I then sent in all the information and was told that the title was not in my name. Funny, the tax bills come in my name. Here 's his email XXXX XXXX , The title company just verified that you are not the owner of this house. The title is in the names of XXXX and XXXX XXXX . You can not refinance this property with them on the loan. I can add XXXX and XXXX do the loan if you like and add your name to the title. Please let me know how to proceed. XXXX XXXX www.ditech.com/ XXXX NMLS License # XXXX Ditech, a XXXX Company Home Loan Specialist Ditech Financial LLC \| XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , PA XXXX Telephone XXXX \| Fax XXXX XXXX ditech.com See what our customers say about us : ditech reviews My mortgage is CURRENT. What 's his scam? They even sent someone out to appraise the house-was that a scam too? Has this harmed my credit or my family in any way?
01/03/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	AZ 85249	Web	Older American
The beginning of XX/XX/2019, I decided to refinance my home loan with my current loan servicer, DiTech. On XX/XX/XXXX, I advised the loan officer that I did not want to use their Title Escrow partner, XXXX XXXX XXXX, and wanted to use XXXX XXXX in XXXX, where the subject property is located. I provided XXXX XXXX with the contact info and fees sheet from XXXX XXXX. On XX/XX/XXXX, the contract processor, XXXX XXXX, informed me that they did not start the vetting process on XXXX XXXX and the fees for XXXX XXXX XXXX was approximately {$20.00} greater. I showed her the the fees were {$570.00} greater per the loan estimates. She then told me that these number were initially estimates and the fees are {$66.00} greater. When I signed the loan documents on XX/XX/XXXX, the fees were {$170.00} greater. I sent a letter and copies of the emails to DiTech for a refund on the {$170.00} that they said that my loan was transferred to XXXX XXXX, and they can not do anything. They transferred my letter and request to XXXX XXXX. This is passing the buck to the new loan servicer and not the company who misrepresented themselves.
07/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55369	Web
Ditech recently raised my mortgage payment due to an error in the amount they are escrowing for my townhome insurance. They are escrowing for an annual insurance premium of {$2000.00} when the premium is actually {$100.00} ( so 20 times the correct amount ). I notified them of their error on XXXX XXXX. Since XXXX XXXX, I have called Customer Service twice and sent four written communications. Today is XXXX XXXX and still no action. My payment is due XXXX XXXX and I do n't want to pay the amount they show owing because it 's incorrect and way more than I owe them. The problem stemmed from the Escrow Dept. misreading my insurance company 's " Evidence of Insurance '' document. The document showed insurance on multiple properties, and Ditech used the TOTAL for all properties ( when calculating a higher monthly mortgage payment ) rather than using the line item amount stating the premium for the townhome property that Ditech has financed. I sent an updated document from my insurance company to Ditech ( several times now ) -- clearly showing only townhome insurance and clearly showing the annual premium of {$100.00}.
03/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60628	Web
MY MORTGAGE WAS BEHIND APPX {$5300.00}. I SENT GREEN TREE SERVICER {$5000.00} IN THE FORM OF AN ONLINE CHECK. MY BANK RECORDS REVEALED THAT MY CHECK WAS CASHED XX/XX/XXXX. THE BANK DENIED EVER HAVING THE CHECK AND CASHING THE CHECK. I SPOKE TO MANY, MANY SUPERVISORS AND MANAGERS IN THE COLLECTIONS DEPT REQUESTING TO RECIEVE MY CHECK BACK BECAUSE I WAS TOLD THAT I WAS IN FORECLOSURE AND THEY COULDNOT ACCEPT THE CHECK. AFTER BEING IGNORED BY EVERONE I SPOKE TO ... .. I REALIZED THE ONLY OPTION I HAD WAS TO SEND THE BANK THE ADDITIONAL FUNDS TO BRING MY ACCOUNT CURRENT. THOSE FUNDS WERE IMMEDIATELY RETURNED TO ME FOR PARTIAL PAYMENT. XXXX OF THOSE CHECKS WERE SENT TO THEM THE EXACT SAME WAY AS THE {$5000.00} CHECK THAT I SENT SO I WAS CONFUSED AS TO WHY THEY COULD SEND THOSE FUNDS BACK SO SOON BUT NOT THE {$5000.00} PAYMENT I SENT. I DIDNOT RECEIVE MY CHECK BACK FROM THE BANK UNTIL THE END OF XX/XX/XXXX ( ALMOST TWO MONTHS ). BY THAT TIME I WAS CHARGED / ACCRUED PENALTYS AND LAWYER FEES THAT WERE ASTRONOMICAL AND TOTALLY UNCALLED FOR ( AS MY PAYMENT HISTORY REVEALS I TRIED TO BRING MY ACCOUNT CURRENT MONTHS BEFORE.
12/10/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 32504	Web	Older American
I contracted XXXX for a reverse mortgage which was to close on XX/XX/2019. I contacted my current mortgage company, Ditech, on XX/XX/2019 and requested that they not pay my property tax from my escrow because the title company for the reverse mortgage was going to pay the taxes. The real estate taxes were due XX/XX/2019. I talked with the supervisor of the Ditech tax dept and he assured me that they would not send the property taxes. My reverse mortgage loan closed on XX/XX/2019 as scheduled. I called Ditech on XX/XX/2019 to inquire where the $XXXX escrow was. Ditech informed me they had sent the escrow to my county tax dept on XX/XX/2019. I contacted my county tax dept and was informed that they had received the escrow check in XX/XX/XXXX but had mailed it back to Ditech on XX/XX/2019 because my taxes had already been paid by the title company. I have shared this information with Ditech and they tell me they do not know where the money is and that I will just have to wait till it shows up in their system.I was told by one agent in Ditech's tax dept that it could be 30 - 60 days before this will be cleared up.
02/08/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 78520	Web
To be brief, around XXXX of XXXX, I informed Ditech that I was unemployed at the time and that I was worried about my mortgage, since by that date I was perhaps two months if not more, behind. I was assured not to worry and that things could be worked out. I was told that if I could make payments on XXXX and XXXX of XXXX and XXXX of XXXX, then they would give me a loan modification. If memory serves, either late XX/XX/XXXX or first part of XX/XX/XXXX, I informed Ditech that I was still unemployed, despite applying everywhere and still looking daily for work. I was informed that as long as I make a payment, things could be worked out. Next thing, I receive a letter informing me that my home has been scheduled for foreclosure on XX/XX/XXXX. I was denied unemployment benefits, so even making a partial payment was out of the picture. All that XXXX wasted XXXX time talking to Ditech and being given, what I would now call false hope, just to lose my home anyway. In essence, it appears and feels as if I was just strung along until there was only one thing for Ditech to do and was to foreclose. We have no where to go.
09/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33065	Web	Older American
We had received an approval for a short sale with GreenTreeXXXX the buyer did their inspection and issues came up on the report. I alerted my closer at GreenTree ; XXXXXXXXXXXX, about the property report, and the buyer wanted a reduction in the price to cover the repairs ; and he told me that XXXX will not reduce the purchase price so I need to close with the approval I had. I contacted XXXX and they asked that I forwarded the property report to the servicer and they will forward my request to them to review it. I emailed me : XXXXXXXXXXXX, the reports and the addendum asking for a reduction in the purchase price. The closer XXXX XXXX, refused to forward the email to XXXX. I requested multiple times and my request went in vain. I decited to circumvent the servicer and email everything XXXX. This was when I received an email XXXX that my file wad cancelled in GreenTree negation system XXXX went ahead and reduced the Value to XXXX less although GreenTree refused to submit what XXXX had requested. This seems to be a practice of GreenTree to force you to close. I need my file reopened so I can close on this sale.
02/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91301	Web
I requested Ditech to stop contacting me and harrassing me with threats of foreclosure on a loan they do not own. They have not responded with my request to validate this debt. I will attach documents sent to them again. I have sent debt validation letters to Green Tree and Ditech several times by registered mail and they have not responded. They are now threatening to purchase a insurance policy on the property which they say I will be responsible for paying. They are debt collectors and I am requesting copies of original assignments to them. How did they get my personal information? Please see copies of letters sent to them. They are threatening to foreclose on a credit agreement they say I have with them, I have never had a credit agreement with these companies they say they have an account with me that is secured by collateral. Please see attached letters they have sent to me and continue to send to me. They call me 3-6 a day and I have asked them to stop calling me until they can properly respond to my debt validation letter. They are not following 15 USC 1692 g1 g2, 1692 c, among many other FDCPA laws.
06/26/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	PA 173XX	Web
I sent a letter to all parties that I think might hold my mortgage to telling them that I heard about the supreme court case regarding rescission. Because I filed the notice when I found out I was not getting any cash out of the refi I sent a notice to rescind and have a copy of the actual form. Green Tree replied to my request by asking me to provide proof of the date it was received before the deadline. They are missing the point of the XXXX v XXXX home loans, is that recission starts the moment it is dropped into the mailbox, not when they receive it. I was told at the time that they did not get it before the expiration date. But they did get it. I was lied to by title agents about the terms of the loan. I asked them to honor my request for rescission which was originally directed to XXXX. The right to rescind the loan expiration contingent upon any cash being given out of the refi to be intentionally misleading. I was never told I had to wait until expiration of rescission or that if I did not get cash out I would still be under the terms of the loan. See enclosed letters from both myself and Green tree.
03/19/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CO 80132	Web
Ditech Financial has been trying to collect on a 2nd mortgage in the amount of {$100000.00} from me since my ex-husband filed bankruptcy. It began on XX/XX/XXXX with a letter informing me they were attempting to collect a debt. Since then it has escalated to multiple phone calls per day, as well as threats they could sue, seize bank accounts or put liens on my property. The 2nd mortgage went into default in XX/XX/XXXX. It appeared on my credit report in XX/XX/XXXX, and was removed from my credit report in XX/XX/XXXX, because of the statute of limitations. In Colorado, the Statute of Limitations to collect a mortgage debt is 6 years. On XX/XX/XXXX, I spoke with a Supervisor named XXXX, extension XXXX. He stated they have a right to collect this debt until the year XX/XX/XXXX. The phone calls continue, with the threat that if I don't pay something to them, they could escalate seize bank accounts or property. They also said I signed paperwork that said they could collect this debt up to the year XX/XX/XXXX, which I never did. I asked for the specific paperwork, and they said they couldn't mail it to me.
08/21/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07701	Web
I had applied to modify my loan to try to get a lower interest rate because, from all guidelines, I qualified. I submitted my application and was approved BUT the new loan was ridiculous and would have extended my mortgage by another 10 years AND increased my monthly payment which would be crazy for me to accept so I wrote and declined the modification and told Ditech I was sticking with my existing mortgage agreement. That was 4 months ago and I have made two monthly payments that the bank has put in " suspense ''. I kept calling and have been told it is because my loan in is " Loan modification review status '' which is just not truly. I spoke last week to " XXXX '' and have all the time/date/extension details. She told me it would take 24 hours but she sees that I rejected the modification offer but because I did it in writing and not on the phone, there was a problem? She said she would fix it within 24 hours and now it has been many days STILL and it has still not been fixed and my amount due shows a HUGE $ amount because I have two full, complete, total payments put into " suspense ''. Please help me!
04/30/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 891XX	Web
I pay my mortgage on a bi- weekly basis and also send in an additional {$250.00} towards principal. I have been doing this for the las t 5-6 yrs and would always receive credit every 2 w eeks toward principal as they received my payments. After reviewing my payment history, I noted that effective XXXX / XXXX / XXXX , I was only receiving credit once a month. This kept occurring until XXXX / XXXX / XXXX , then started again XXXX / XXXX / XXXX through XXXX / XXXX / XXXX . I called customer service who tried to tell me that since I am on a monthly billing cycle, that the payment sits unapplied until they get the second payment. Well that 's XXXX because it never happened before and then what 's the purpose of sending in bi-weekly payments. I called a second time and was told that they changed their system last year and are working out the issues. In the meanwhile, they have been floating my money and not giving me credit for my payments as they receive them. I sent them a letter with my payment history that shows the discrepancies of how the payments have been applied and have not yet heard from them.
07/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MT 59701	Web
In XXXX of this year, I utilized the Ditech mortgage website to start making bi-weekly payments. Payments have been deducted from my savings account, but mis-applied to my mortgage. I contacted Ditech on XXXX XXXX by phone after receiving a statement saying that my mortgage was late. I was told that the payments would be corrected and that the late fee would be waived. I checked the website on XXXX XXXX and my account is showing that my mortgage is due for XXXX XXXX, but should not be due until XXXX XXXX. They are also showing that I owe a late charge, but I have never been late. I used the messaging system on their website, but have not received a response and the error has not been corrected. In looking at their website, I also noticed that their policy is to place partial payments in suspense rather than applying them to the loan at the time received even though the whole point of the bi-weekly program is to reduce interest paid and pay off the mortgage sooner. I am concerned that their errors in posting my payments and their failure to properly correct the issue are going to negatively affect my credit.
07/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 222XX	Web
I was in a pre-modifcation program where you make a certain number of payments and then are eligible for a permanent modification. I made all of my payments but I was receiving letters from the mortgage servicer that I was in default because I missed a payment. I sent a fax of the payment confirmation of the payment they said I missed and called to follow-up. I was told that they could not locate my payment and that my account was in active foreclosure. I called the next day and spoke to a young lady who located the disputed payment, acknowledged that the company received the funds and was helpful in contacting a supervisor and getting the issue straightened out, or so I thought. Since then I made my final payment of the series and have since received a letter notifying me that my account has been referred to an attorney, received letters from the attorney that due to failure to make payments that my loan is in default and foreclosure proceedings were being initiated. I have made all my payments, I can verify that the payments were made and applied to my account and yet they are proceeding with foreclosure.
03/21/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	UT 84005	Web
My wife and I started having trouble paying our mortgage after my wife was diagnosed with XXXX and quit working. We started the loan modification process, which was a lot of work. We knew there would be applications and documentation that would need to be submitted, but it seemed like everytime we completed a task, suddenly there would be an unseen hoop wed have to jump through. We brought in some help from a local HUD agent, which helped get things moving. We finally got to what seemed like the last step of the process, which was a letter of explanation regarding who was listed on the title of our home XXXX my wifes name is on the title, but not the actual loan ). I drafted the letter, faxed it in within a day or XXXX, I even explained that the title included my wifes maiden name and had since changed since we were married. Well, my mortgage company came back and said I was denied because I was unable to provide a clear marketable title .... My HUD agent tried contacting the company, but could never get a straight answer as to why, other than having my wife listed on the title of OUR home, we were denied.
02/11/2016	Yes	Mortgage FHA mortgage	Settlement process and costs	MS 39206	Web
This Complaint is regarding the United State District Court Judge XXXX XXXX XXXX. On XX/XX/2015 the above Judge ordered saying that the Defendant [ Green Tree Servicing / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX [ Attorney General office of the State of Mississippi ] has attempted to resolve this dispute without court action the Attorney General XXXX XXXX never tried to resolve this, never tried to show good cause and has been illegal day XXXX. It has been [ NO ] federal court cases regarding this illegal Corp. in the State of Mississippi. Now we have an illegal Federal Judge XXXX forgetting the People that was hurt by this corp .My address [ was and is ] XXXX XXXX XXXX XXXX , Mississippi .This corp. and its illegal Lawyers deals in the Mississippi Courts illegally, Sends illegal papers of foreclose of properties all day long, Never have an Judges order never. But that illegally transfers Deeds from State to State wrongfully and Federal Judge XXXX XXXX XXXX ca n't read that! NOT even the illegal Federal Lawyers can, t read this [ WHY? Who Got Paid Off? ] This federal case cost the people XXXX dollars for what?
06/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 010XX	Web
After receiving a request for payment of an additional amount to my regular payment I made a request for an explanation I was told it was due to an increase in property tax and insurance. I contacted both the town and my insurer and was told by the Town Clerks office my payments included late charges. I will pay both insurance and property taxes as of this date. I simply requested before any additional funds were paid that they provide the following : 1.An accounting of all late charges paid ( insurance and Taxes ) since they acquired the mortgage. ( I don't have any late payments ) 2. Removal and accounting of all mortgage, taxes and insurance as of the call date. 3. The New monthly payment reflecting the removal of property taxes and insurance. 4. Statement reflecting the status during mortgage company acquisition of my mortgage. 5.Immediate removal of late charges and negative credit report due to the new unexplained charges. Whatever the difference I will pay immediately it they are accurate however I am still waiting for the explanation and just received a collections letter from them. Thank you
06/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22405	Web
We paid our Mortgage payment to Ditech electronically on XXXX XXXX of 2016. They were going through what they call a system upgrade and our payment was never posted. They started calling us that our payment was late and I faxed them a copy of our bank statement that clearly shows the payment. They do not dispute this but they have still failed to credit us the payment and as such every payment we have made since then has been credited to the month before, thus showing us as " unpaid '' for the current month. They have placed negative and inaccurate information on our credit report and continue to call and harass me and my husband. My husband has a XXXX and we can not afford to have any negative information on our credit report. This has affected us socially as we argue over it, it has affected us financially as our credit has been devastated and this has affected me XXXX as I can not sleep and get so upset when they call that my XXXX and I have to lie down. We have done nothing wrong and are being destroyed on many different levels. My time is also worth something and they have wasted several hours of it.
04/25/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 95648	Web
It first started in XX/XX/XXXX when I made three payments that month. We had been paying $ XXXX/ every two weeks, so in XX/XX/XXXX it worked out that we made 3 payments. They took the XXXX XXXX payment and applied it to principal and escrow. This was supposed to be for part of XX/XX/XXXX 's payment. Since then we have been considered a half a month behind. The in XX/XX/XXXX we had a returned ACH transaction on XXXX XXXX. We call on XXXX XXXX to notify the bank and they tell us it should go through twice. So we make a half of payment for XXXX and on XXXX XXXX we see another withdrawal labeled DiTech retry payment. We assume that this is the XXXX XXXX payment that was rejected. Now they are saying that they did n't get any money XXXX XXXX, only the over phone payment from XXXX XXXX. We faced them XX/XX/XXXX with bank statements and a letter from the bank showing the XXXX transactions. They came back and said our letter was n't legal enough and our bank statements were altered. We submitted again XXXX XXXX and have n't heard anything. I call and leave messages speak to agents all with no turn out or answers.
06/13/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92376	Web
My loa n is XXXX XXXX o wned. my home mortgage is serviced by Ditech. i have countless issues with Ditech and their practices. i applied for a streamline refinance with Ditech. was told over phone by loan processor i have eligibility that is to expire soon. but received letter on XXXX / XXXX / 2017 Ditech denied application, refuses to return phone calls. i have left countless messages with my loan processor. no response, no explanations given. very un satisfied. Ditech is not practicing under the rules and guidelines set by XXXX XXXX . my application for streamline refinance was unlawfully denied. Ditech does not adhere to laws, guidelines, nor regulations set forth by federal laws or state laws. Ditech Services is inadequate and of no benefit to its costumers. Ditech business practices is harmful to homeowners and destructive to the industry. Ditech has violated my homeowners rights and is not adhering to housing regulations laws. Ditech has not followed XXXX XXXX guidelines. Ditech mortgage needs to be investigated and licences revoked for deceptive fraudulent business practices.
12/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	ID 83706	Web
I have been making my mortgage payments early. I sent a message to my mortgage company on XX/XX/2016 " RE : Early Payment applied to interest When a payment is made on the XXXX of the month for a payment due date on the first is extra dollars applied to interest? " I intended to say applied to principal. I received a letter from my mortgage company several months later stating they were researching my question. and have not heard back on my question. Before the servicing of my loan was transferred to Ditech, my former mortgage company adjusted the interest and principal amount to reflect the payment date. Since Ditech is working with the same loan documents, I am concerned there are no adjustments made when they receive the payment before the first of the month and if this is the normal practice for all customers.. In this case it appears there would be no advantage to making bi-monthly payments as suggested by numerous financial advisors. I am attaching several mortgage statements that indicate when the payment was received and how if was applied. Again my main concern is I have not received an answer.
10/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11235	Web
Re : scam/misapplied payments/predatory lending Ditech Financial LLC aka Green Tree registered at XXXX Box XXXX, XXXX XXXX, SD XXXX is a mortgage lender. I have consistent history of making timely monthly payments for more than 8 years starting in 2008. All monthly payments are sent using XXXX automated billing. Ditech misapplied monthly payments in the amount of {$3600.00} and put account in collection status. All payments have been submitted consistently through a third party payor, XXXX, who confirmed that Ditech received a monthly check in the amount of {$3600.00} and cashed it every month. Ditech refused to cancel PMI which reached 79.19 % and refused to respond to my multiple communications including the ones sent via fax, email and mail. Ditech failed to : apply all monthly payment checks from XXXX ( cashed by Ditech ) to my account remove late fees and bring the account into a good standing cancel PMI respond with an explanation why Ditech was cashing monthly checks in the amount of {$3600.00} each month and not applying it to my monthly bills, assessing late fees and collection fees
05/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AP XXXXX	Web	Servicemember
Ditech Financial LLC, seems to have creative accounting practices. I had a " Green Tree '' mortgage that was moved over to Ditech due to their legal issues. I have incurred an advanced debt on my account. The debt I was told, occurred in 2011 for property maintenance that was conducted on the home. My account was charged over {$200.00} to cut the grass and various charges that are excessive. These fee 's are very questionable at best! I have called Ditech concerning paying off the debt. I was told to send a separate check with written direction on where the extra money is to be applied too. I have written on the check and the payment coupon on where the extra money is to be applied you. I have done this countless times. They have taken the money and applied it to either my escrow, advanced interest, or in an unapplied balance account. My escrow now has over the amount need to pay my property tax. I pay my own insurance. I also have balance in my unapplied balance account. They never apply the money to the advanced debt. They continually charge my mortgage a monthly late fee and a property appraisal fee.
09/25/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60110	Web
We received an escrow analysis indicating that we have a shortfall and upon review of the analysis we discovered that our PMI ( RBP ) insurance payment increased more than 22 % beginning the month of XX/XX/XXXX ( highlighted on included documentation ). We called the customer service and spoke with XXXX and she explained to us that it increased because the value of our home increased. Surprised by that answer, I told her that my hazard insurance covers my property not PMI. If my property value increased, then it makes sense that my hazard insurance will as well, as it does from time to time. I explained that my loan value ( which PMI insures ) is actually decreasing over the length of the loan and PMI should decrease accordingly. She replied reaffirming that " the property value '' is what she was told as to the reason. Unsatisfied, I requested to speak with someone else, but was told someone would call us back. Never heard back and thus, this complaint. I would just like an explanation as to the increase in my PMI for the months in question ( XX/XX/XXXX - XX/XX/XXXX ) and an adjustment as appropriate.
04/20/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	WA XXXXX	Web
Continuing problems with false reporting with XXXX mortgage company. We 've reported this company in the past and when investigated it was found we had made every single payment EARLY and they had made an error on their end in XXXX XXXX XXXX They updated the account after we proved we made all of our payments ( cashed checks do n't lie ) for the end of the investigation but then turned around less than 3 months later and started charging us a bunch of late fees and are now reporting us as " delinquent '' on our credit reports. We have read hundreds of complaints regarding this company and do NOT understand why they have not been shut down at this point, as it appears they do this to everyone. Our credit is now ruined by them yet again and we are not in a position to refinance our mortgage with our lowered credit scores from their false reporting. We have every single bank statement clearly showing we 've paid early on every single pa yment but they still claim we 're behind on payments. This needs high intervention and a class action lawsuit should be filed for the lives this company ruins.
04/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92865	Web
Ditech handles my mortgage. For four months, statements showed that I had an unapplied fund balance. Within the statement it stated " any partial payments that you make are not applied to your mortgage, but instead are held in a separate in-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' So for XX/XX/XXXX, I paid the balance of a partial payment. Instead of applying the payment to my mortgage as stated, they paid off my late fee balance. The late fee balance was their for the last four months as well. Why did n't they apply the unapplied funds to my late fee previously? Since they paid themselves first, I am now showing late for XX/XX/XXXX and owing XX/XX/XXXX, instead of just owing for XX/XX/XXXX ( which would make me current ). My priority was to catch up on my mortgage and chip away at my late fees. How this was handled seems very unethical and an attempt to keep me in a late status ; in addition to continuing to hurt my credit score. It 's very upsetting that they chose to apply funds this way, instead of helping the consumer.
01/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90008	Web
I have been working with Ditech to complete a loan modification since XXXX of XXXX. Since then, we have been calling in to get status updates weekly. Since XXXX of XXXX we call in and we are advised that " the file is in review ''. When we finally called back on XXXX XXXX, XXXX, we spoke with XXXX in their Loss Mitigation department and he looked deeper into the status of the account. At that time, he noticed that the file had never been submitted over to the Loss Mitigation department and the department I had been talking to was the Collections department. He advised that they are not even supposed to be providing status since they are not able to view the same notes. I have now wasted months with inaccurate information. XXXX did advise that he was going to have the file escalated to a Supervisor immediately and I would get a call within 48 hours. Today when I called, they advised that there had been no response to the escalation after being hung up on twice. At this point, I feel like I may lose my home due to their negligence. I need your help in stepping in. Please, i do not want to lose my home.
04/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AL 362XX	Web
Greentree Servicing out of XXXX with the phone number of XXXX has repeatedly called a XXXX XXXX Account XXXX after being told ( XXXX ) that the number was a business line XXXX XXXX XXXX the person they were looking for was not associated with the number nor were they associated with people they were getting into contact with ( XXXX ) to not call the number again. The caller is rude and has been hung up on at least XXXX times. The number has been blocked and as soon as XXXX number is blocked another number calls. She 's a XXXX woman who talks over the person who answers the phone. She does n't state who she is with or what the call is regarding. These people need to be stopped. They ca n't harass someone who is n't involved with the debt. They also call the place of business to which this person works. This person IS NOT ASSOCIATED WITH THE DEBT BEING OWED -- she is not on the account and has nothing to do with the account. They were given this persons number by an x wife and lied and said that they were given the number by the person. The number has only been registered to the business about 3 years.
05/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84043	Web
My mortgage through Ditech was paid off XXXX/XXXX/2016. My remaining escrow balance owed to me is {$3000.00} and I still have not received my funds. Most all mortgage companies ACH the escrow funds to their customers within XXXX to 5 business days. Ditech stated they only mail out checks and ca n't do ACH or wires. XXXX/XXXX/2016 and I still have not received a check of the money that is rightfully mine. I have stated to them multiple times through phone calls and online the time frame they have held my money is absolutely unacceptable as I have liabilities to take care of for my family. I know for a fact they have my correct address as through their online system I have filed complaints to see where the check is. The generic system responses have been mailed to me which tells me they have the correct address on file. I have also followed up with Ditech 's reps over the phone. Ditech is making interest off of my escrow and holding my funds for whatever reason and I fear they 're most likely doing this with other clients as well. I need to receive my escrow balance owed to me. Please help. Thank you.
12/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78745	Web
My home loan was sold to a company called ditech. In our initial letter about the transfer it says expressly that because we were enrolled in autopay with the previous bank that would roll over and continue happening automatically. Needless to say, a month went by and we became concerned because that did not come to fruition. It also says under Federal law during the 60 day period of the loan transfer, payments may not be considered as late. Well, we have sent them a payment which I see debited from my checking account and I see in my ditech online account, and yet they are sending me letters threatening me already with foreclosure, claiming we have made no payment. I 'm not exaggerating, I 'm keeping records of everything. Also, they are maintaining we owe another payment for the month even though the payment we made is clearly in the account. I 've read XXXX horror stories about this company. How is the government not protecting the consumers here, and allowing this bank to continue its shady practices? This is a horrible feeling having no choice in the matter and being stuck with a bank this bad.
06/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84093	Web
My original loan on my property was with XXXX XXXX XXXX ( account number XXXX XXXX, they sold my loan to Ditech Financial. On XXXX XXXX I made my payment to XXXX with the understanding that all payments would be forwarded to Ditech until XXXX XXXX, 2016. Since XX/XX/XXXX, Ditech has repeatedly told me that the payment has been found but it was never processed. I have called them 9 times to rectify the problem. I have mailed, faxed and emailed them proof of the received checks and documentation necessary to prove my claims. They will not process my payment and claim I am delinquent which I am not! They have filed a 30 day late on my credit. When I contact them, I am repeatedly sent to an account representative by the name of XXXX XXXX at extension XXXX who never responds to my messages and then I get a prompt that literally tells me that no one is available to help me now. I have sent the same documentation to XXXX XXXX XXXX but they tell me the problem is on Ditechs end. I am at a total loss and am trying to fix this problem. Please help!!! Ditech is the worst Mortgage company EVER on this planet!
12/28/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 531XX	Web
Ditech bought my mortgage a few years ago. Since then I have had frequent problems with them. The most common problem is where they send two bills in a month. I have called them about this several times. They say it's an error and to ignore the second bill. This month, for the payment due XX/XX/18, I sent a check to them ( # XXXX ) on XX/XX/18 for the amount in full ( {$680.00} ). This check cleared with my bank ( XXXX XXXX ) on XX/XX/18. About two weeks ago I get a second bill as had happened many times before. Based on what they had told me, I ignored the bill after looking online to make sure that they had actually cashed my XX/XX/18 payment. I received a letter today stating that they had not received my XX/XX/18 mortgage payment and that they were assessing a late fee of {$34.00}. I am tired of struggling with their ineffective customer service. I am also starting to wonder if their double billing is not an accident, but in fact an unfair business practice designed to dupe customers into paying late fees. Please help me to resolve this issue so that others do not also have similar problems.
02/26/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	GA XXXXX	Web	Servicemember
I currently have a XXXX mortgage on my primary residence located in XXXX Ga. my current loan servicer is Ditech. I have been contacted both by phone and overnight priority written correspondence that my loan is eligible for the Presidents HARP refinance package as my loan has been current for the past 3 years but with some late fees on it. I went over this several times with various loan officers from both Ditech and the previous servicer which was Greentree Servicing. I was told that I am not eligible due to credit issues which arose during an illness that began over 2 years ago and I am still dealing with today. My understanding is that with the Presidents latest package is that there are no income or credit requirements and no appraisal is needed. I do have some credit issues but I do not have the cash necessary to pay these off as I have excessive medical expenses at the present time. I do not understand why I would not be eligible for assistance under President Obama ; s plan since I apparently meet all the criteria. any assistance that your office can provide would be appreciated. thank you
01/20/2016	Yes	Mortgage Other mortgage	Settlement process and costs	FL 33543	Web	Older American
As a homeowner a Chapter XXXX Bankruptcy was filed XX/XX/XXXX, and Discharged XX/XX/XXXX. Then my servicer was XXXX XXXX XXXX, I have entered tow ( XXXX ) separate Modification agreements XX/XX/XXXX and XX/XX/XXXX the current Servicer is DiTech. The Servicer refuses to sign the Re-affirmation Document. DiTech, has referred me to my attorney whom has stated the Bankruptcy was done correctly and it can not be re-opened at this time to include the Reaffirmation of Debt. The Servicer simply must sign the Reaffirmation Document however, DiTech refuses to sign the document. I am caught in the middle, I have made all of the payments under XXXX modification agreements on time, I am being penalized for an error that occurred unbeknownst to me. I think this is unfair and need assistance in this matter. DiTech insists on this being a legal matter and the attorney insists DiTech is not adhering to the process of simply signing the Reaffirmation documents. What do I do to get the help I need as a Homeowner whom is making my payments, but caught in a cycle. My credit report does Not reflect my mortgage at all.
02/23/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92679	Web
My son and daughter in-law desire to assume the mortgage I have on a property. I requested and received communication from ditech on XX/XX/XXXX with instructions and paperwork that needed to be filled out and returned. All paperwork was completed and returned on XX/XX/XXXX. I called ditech on or about XX/XX/XXXX to inquire what was happening. ditech representative asked me to call back in 2 weeks as they didn't know. I called again on XX/XX/XXXX and was told that assumptions of loans was not permitted which is clearly false information as both my original note and the ditech website say that loans are assumable ( borrower must qualify ). My son clearly falls under the guideline of qualifying as a borrower subject to his and his wife 's credit. On XX/XX/XXXX I called again to follow up and was told they can't find any of the information that I sent them. Very deceptive as they will not allow me to talk to anyone in the processing dept, loan assumption dept or anyone other than a generic phone representative. They refused to give me the name of the mangers, or any supervisor that I could contact.
07/19/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33770	Web
On XX/XX/XXXX I received a letter from Ditech my mortgage company stating that I am eligible to receive an additional pay for performance incentive in the amount of $ XXXXThis is under the guidelines of the Home Affordable Modification Program that is tied to Dodd-Frank. I had to send in a Certification form. I did so on XX/XX/XXXX via fax.See attached documentations. Shortly there after I called to verify that they had received my documentation and was told it had to be processed.On XX/XX/XXXXI was told that everything was in order but it could take up to a year to complete. On XX/XX/XXXX and XX/XX/XXXX I was told a similar story and the last time they had no record and had little information about the program. I was sent to a different extension were I got a voice mail to leave a message with my information and I would receive a call back which never happened. I this point I am tired of the runaround by this large bank and seek your help. A gravely similar and much worse process took place during my loan modification which resulted in a {$20000.00} impact on my mortgage. Please Help, XXXX XXXX
03/29/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 94952	Web
We were advised in writing by Ditech of the incentive payment ( via principal reduction ) of {$5000.00} via the HAMP program for keeping our mortgage payment current for XXXX or more years. This principal reduction was given to us in XXXX, 2015, and then added back to our account balance XX/XX/2015. We feel Ditech has not acted fairly with us or communicated with us in writing about why this was done. We made decisions based on this principal reduction and did n't notice the {$5000.00} was added back on to our mortgage balance again until XX/XX/XXXX. We have been contacting the company since then and have just been verbally told that when the loan was sold by XXXX to Ditech, XXXX gave Ditech the wrong account numbers for this credit. As we are now selling the home, we were told we would not ever receive this credit when this is sorted out if we no longer have an open account. But I contest this statement, as in fact we were already given the credit, and then it was retracted without explanation. Additionally, we met the terms of being current on the mortgage for the required time ( and more ).
03/16/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 93230	Web
Hi my name is XXXX XXXX SS XXXX loan # XXXX I apply for loan modification last year bacause Im passing a hard economic problems and with me son going to university and the extra experience I was forse to ask for help On XX/XX/XXXX my mortgage company direct help me with the modification and quality In XX/XX/XXXX I started my 3 months of prove and on XX/XX/XXXX I finally got my modification paper to finish all the process. On XX/XX/XXXX I notarized all papers and send them back to them but they called me to said they dont have the paperwork They resent me another set of papers to notarized again which I did and send them back again Now I get a letter saying that my modification was canceled because they did not receive the paperwork. I talked to the supervisor on duty and she said that I have to re aplay again And because I dont have proven of being send the paperwork now is canceled I want to safe my house Im been pay it for XXXX I did all I was told to do and only because they said they dont have my paperwork Im loosing all I need you help and I hope you can help me My cellphone is XXXX XXXX
02/26/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 21133	Web
I am now {$20000.00} in the rears with my mortgage with Ditech i have been behind since XXXX.. I had XXXX XXXX in XXXX.I lost my Job of 10 years because of losing time from work. That is how i became behide. I now I am able to pay my mortgage and have submitted a Modification 2 time. Both time they were denied with Ditech. The reason that they denied me is because of the programs that they have to follow. This is where the problem comes in. I have attached the 2 denials for your review. What i have a problem with is that being that i am a Certified XXXX XXXX myself I have seen the Modifications that lenders offer clients.My interest rate is 6.75 % and has been so since 2004 rates are much lower now. Most modification that I have seen come across my desk have lowered the rate to 2 % 3 % so that the # s would work. I have since them also give a Balloon Payment of 15 years. This would give the mortgagor time to get on their feet. This option was not offered to me. I know that this option is available but the lender is not trying ever possible option to keep me in my home. Again my rates in 6.75 %
08/07/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	MO 630XX	Web
My husband took out a 2nd mortgage on our home in his name only with Ditech.Financial LLC. My husband has passed away and I need to sell my home. My name is on the home but Ditech gave him the 2nd mortgage without my signature. Now with my husband being deceased they refuse to give me, the Title Co. or anyone else the payoff information of the 2nd. mortgage. Causing me to not be able to sell my home, without expensive attorney fees. The Title Co. has reached out to Ditech, via fax, phone and E-Mail. and they will not even acknowledge receiving the information from the Title Co. I have reached out to Ditech, I have even given my sister access and permission to act on my behalf. They deny having that information on file. Now they say they can't even speak to me. My sister spoke with a manager at Ditech, hoping to get this issue resolved. He too is not willing to resolve the issue without expensive attorney fees. I feel like the loan should not have even been given without my signature, if this is the game they play. Is their any way you can help me without having to pay expensive attorney fees.
08/04/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 21702	Web
To Who m it may concern, We applied a loan modification with Ditech last year and we 've been paying on time from XX/XX/XXXX - XX/XX/XXXX ( 3 month s trial ) then we got approved and started paying the regular mortgage from XX/XX/XXXX - current. Since then DITEC H ( Lender/Mortgage ) is not rep orting our payments and not updating our accounts to current. We 've been calling them and asking many many times to get it fix because they 're also reporting us to credit bu reau that we 're behind 5 months payments. The only answer that they can give us is we have to wait 2 weeks and they will call us. It 's been 6 months now and they have never been updated our account and they are still negatively reporting to our credit. I found out that many others having the same exact issues like mine with DITECH. There are past and current class act lawsuits against them and I want to participate. Please help us, all we want is to bring our account current and stop them reporting negative to our credit bureaus. Please you can call me at XXXX and my name is XXXX XXXX DITECH Account number XXXX
02/10/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08330	Web
Ditech mortgage has been charging me escrow since XX/XX/XXXX. my taxes were always paid by me. They have overpaid the City of XXXX XXXX taxes 2x and are not correcting the problem. This all stemmed from a XXXX charge from DiTech on XX/XX/XXXX, I called to make sure it was it was cleared up because they said I did n't pay my taxes in which I did. I sent them proof. XX/XX/XXXX I paid my taxes and Ditech paid too. I specifically stated that I pay my own taxes and insurance from the beginning.I sent a letter showing a credit XX/XX/XXXX in the real estate tax office of XXXX. I told them not to pay the City of XXXX XXXX because they were paid. They paid anyway and charged me. I also have always paid an extra {$1000.00} extra principal. I can not get this straightened out as they keep overpaying my real estate taxes and refuse to send me a copy of a letter they sauy sent to City of XXXX XXXX for a refund. This is the worst mortgage company I have ever dealt with in 20 years. Please help. As of today they are charging me for escrow and the city has a XXXX credit of real estate taxes in my account.
09/13/2017	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	VA 23503	Web	Servicemember
I have a mortgage with Ditech. My ex-spouse and I are joint mortgage owners. Our divorce was final in XXXX XXXX, and the decree relieved my ex-spouse from any responsibility for the mortgage as I remain in the marital home. To complete this action, I needed to assume the mortgage and remove my ex-spouse 's name from the account. On XXXX XXXX, XXXX, I submitted a request via Ditech 's online customer service portal requesting information on what I needed to do to assume the joint mortgage and remove my ex-spouse from the account. I received an immediate email confirmation that Ditech received my request, and shortly thereafter received a formal letter via US mail to the same effect with a promise to respond within 30 days. On XXXX XXXX, XXXX, nearly 3 months later and having not received a response, I submitted a 2nd request, stating that this was indeed a second request. I again received an email and formal letter via US mail promising a response within 30 days. It is now XXXX XXXX, XXXX, and I have not received any further correspondence from Ditech. Please advise. XXXX XXXX XXXX
07/12/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	FL 33141	Web
On XXXX XXXX, XXXX, Ditech Financial LLC had their lawyers draw up a contract to fully reinstate my overdue mortgage. I executed their contract by paying the {$90000.00} delinquency requested. On XXXX XXXX, XXXX I received a statement that stated I owed an additional {$66000.00} listed as corporate advances. I have sent them two letters explaining to them that the executed agreement did not include the {$66000.00}. If you look at the detail of that amount on page XXXX of the agreement dated XXXX XXXX, XXXX you will notice the corporate advance amount was {$3900.00} which was included with what I paid. Then after I made this payment the {$66000.00} appears on my statement which was not a part of this executed agreement. Now Ditech sends me an apology for the confusion and adds another page to the agreement dated XXXX/XXXX/XXXX which includes an additional {$63000.00} for corporate advances. This to me is some type of fraud to make an agreement and after it is executed to change the original agreement. My contention is that I do not owe Ditech Financial LLC {$66000.00} for corporate advances.
06/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85283	Web
Virtually every month in 2016 has been a disaster from Ditech Financial for my home loan payments. XX/XX/2016 - No bill was issued from Ditech Financial to me, so I got for a late payment charge ( XXXX {$100.00} ). XX/XX/2016 - No bill was issued from Ditech Financial to me, so I got another late payment charge ( XXXX {$100.00} ). XX/XX/2016 - I filed a complaint with the XXXX to petition the late charges and was denied a refund by Ditech Financial. XX/XX/2016 - Bill was issued from Ditech and paid by me, and I got another for a late payment charge ( XXXX {$100.00} ). When I called them, they said that they were changing Billing Companies/Procedures and that the ate charge would be reversed. XX/XX/2016 - This month I got XXXX different bills, finally paying the last one. XX/XX/2016 - Bill was issued from Ditech and paid by me, and I got another for a late payment charge ( XXXX {$100.00} ). When I called ( twice ) asking about the late charge, they said that my payment had been incorrectly credited to my Escrow Account, and that the payment would be corrected and late charges reversed.
03/01/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MD 20721	Web
On XX/XX/2019 and XX/XX/2019, I made payments of {$600.00} each month to Ditech ( formerly Green Tree ). I generally had a payment of around {$58.00} due but I had overpaid with the amount of {$600.00} a month for a couple years online on the XXXX of the month. Ditech held the payments both months and did not apply the payments until XX/XX/2019. I repeatedly wrote to Ditech and asked them to backdate the payments to the dates received. Ditech did not and I accumulated additional interest because of Ditech 's failure to timely apply my payments. Ditech also took retaliatory steps to remove my Payment History from my online page since I printed it and used it to complain about their failure to timely apply my payments. Ditech also removed my messaging history so that the messages I had sent them to complain were removed. They still have payment history and messaging tabs available and I had been able to access this information online before I began to complain about their failure to apply XXXX XX/XX/19 and XX/XX/19 payments as of the date received and not 60 and 30 days later respectively.
02/07/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32003	Web
We had Hurricane XXXX damage XX/XX/XXXX and Ditech was our mortgage servicer until XX/XX/XXXX and now its XXXX XXXX XXXX. Ditech held the insurance funds and would reimburse us as we submitted receipts of repairs. However they cut a check XX/XX/XXXX to us and our roofer even though the roofer had been paid in full. I called to let them know this should have been paid only to us and at my expense I overnighted the check to Ditech. They as if today never forwarded those funds to XXXX which by law should have been sent within 30 days of XX/XX/XXXX and today is almost 4 months. Ive called Ditech multiple times and submitted a complaint online and all they tell me is to call the new mortgage servicer XXXX. I have contacted XXXX and they NEVER received the funds to disperse to us and Ditech will not tell me the status of the check that I returned. This is unethical and unlawful way to do business. We can not afford a lawyer as being displaced for over a year while in good faith paying every mortgage payment plus utilities at 2 places and still trying to get our home back together - we need help.
11/05/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	VA 20111	Web
Ditech Financial LLC ( " Ditech '' ) issued me a check ( number XXXX ) in the amount of {$500.00} on XX/XX/XXXX. That check was issued from the Escrow account. That check states that it is " void if not cashed within 90 days. '' I contacted Ditech on XX/XX/XXXX and requested a replacement check. The call was recorded by Ditech at approximately XXXX am XXXX. The clerk assured me that I would receive the replacement check within XXXX days or XX/XX/XXXX. My followup call on XX/XX/XXXX ( recorded at XXXX am XXXX ) indicated that the problem was a technical issue and that I would receive the replacement check by the end of the week. My followup call on XX/XX/XXXX ( recorded at XXXX pm ) indicated that the check was in process. Follow up today, XX/XX/XXXX, at XXXX - recorded call with " XXXX '' ID - XXXX, supervisor XXXX ( ID - XXXX ) indicated that all previous statements were incorrect and that Ditech requires 30 to 60 days to reissue a check. I know that Ditech was in bankruptcy, but I thought my escrow funds were held in an escrow account, but now I am concerned that I will never get paid.
02/14/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 786XX	Web
I received a letter dated XX/XX/2019 stating that I am being given a two new account numbers, one morgage and the other insurance, which is not called insurance but voluntary hazard insurance. What the heck is that? Insurance in not voluntary. At the bottom of the page it states " THIS COMMUNICATION IS FROM A DEBT COLLECTOR. IT IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' I have no idea if this letter is ligitimate or not. I asked for a number of a parent company to call to verify and was told to get in touch with CFPB or an attorney. The customer service person seemed uncerned that I would be concerned over an out of the blue notice that my account numbers are being changed, or that a threat at the bottom of the page stating the letter is an attemp to collect a debt since I have a very high credit rating. My problem is simple. Is the letter on the up and up?. Especially because of foreign hackers being an issue in USA, and when I asked what country was I speaking to, I was told the XXXX. Thank you for validating this one way or the other.
11/08/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07753	Web	Older American, Servicemember
The note amount $ XXXX with $ XXXX/mo payments via " Lender '' - XXXX XXXX XXXX XXXX , for the property Note transferred to XXXX in XX/XX/XXXX mature in XX/XX/XXXX, Transferred to GreenTree / Ditech Financial LLC . in XX/XX/XXXX. Since, the following issues have evolved : - Escrow amount skewed ( i.e. ( XX/XX/XXXX ) = {$530.00} ; ( XX/XX/XXXX ) = {$880.00} ; ( XX/XX/XXXX ) = {$810.00} ), I questioned the high escrow # in an email on Ditech Web, ( see attached ) and requested the tax and insurance bills to verify the expense charges to escrow. In stead, Ditech sent me a payment ledger for Tax and Insurance for my property ; which, I expect would balance out, coming from their ledger. But, where are the actual bills? However, there was a drop in the escrow amount immediately following my email. ( see attached ) - Escrow charge variance brought account instability. - Damaged credit report. Subsequently, unable to refi the house. - Ditech Mod-offer, in the short run, will fail due to the Escrow shortage build-up. - I have paid 14 year on interest, why am I still charged more on I than P.?
11/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 953XX	Web
Ditech Financial LLC, on XX/XX/XXXX a representative named XXXX contacted me via phone and left me a voicemail to cantact them at XXXX. I contacted Ditech on the same day and spoke to a representative XXXX how stated that my account was past due in the amount of {$42000.00}. I informed XXXX that I have made all my payments and have been paying an extra XXXX above my monthy amout of {$1600.00} for a total of {$1700.00}. I informed her that I had done a loan modification on XX/XX/XXXX, with the previous mortgage company XXXX XXXX who sold my note to Ditech Financial. On XX/XX/XXXX I was contacted by Ditech Financial by a representative named XXXX, stating that they had resolved my mortgage and my account was being updated to current but that it would need to be manualy imputed into the system as the computer would not reconize it. I specificaly asked if this would be reported to the credit agencies as Deliguent Account. On XX/XX/XXXX I recieved an alert from XXXX showing that Ditech Financial had reported my account as Deliquent 30, 60, or 90 ... Now my Credit Score went from XXXX to XXXX.
04/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 453XX	Web
I made a payment on my mortgage loan on XXXX XXXX, XXXX. It was for the XXXX XXXX, XXXX payment. Ditech apparently applied it all to principal. I received a call on XXXX XXXX, XXXX at home regarding my late payment. I explained my payment was not late. The gentleman that call me said he would look in to it and call me back. He never called back. My wife received a call on XXXX XXXX, XXXX at home regarding the same late payment. She explained to the woman at Ditech that the payment made on XXXX XXXX, XXXX was a regular payment and that it should not have all gone to principal. The woman at Ditech assured my wife it would be corrected. I called on XXXX XXXX, XXXX and spoke to someone in collections who then transferred me to customer service. The man in customer service assured it would be corrected and taken care of. I called again today XXXX XXXX, XXXX and it still is showing my payment is due for XXXX XXXX, XXXX. I am worried they are going to show me 30 days past due and mess up my credit rating. I called to try and speak to someone and got voice mail. I am very frustrated at this time.
05/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43224	Web
I had a mortgage with XXXX for at least a dozen years. A couple months ago, they transferred it to Ditech for servicing. I am not, nor have I EVER been late on my payments, yet every communication I receive from them tells me " this is an attempt to collect a debt. '' I sent them electronic correspondence about this on XXXX/XXXX/16 ; a month later I got a letter stating that they were still researching and I would get a response soon. When the response finally came it was a generic " Apology '' letter that said : Thank you for bringing this matter to our attention. We regret any dissatisfaction you felt regarding the service provided. Please be assured, appropriate department management has been notified, and has addressed the issue accordingly. '' And at the end of the letter was the " this is an attempt to collect a debt '' disclosure. It 's obvious that my complaint fell on profoundly deaf ears. Is Ditech allowed and/or required to tell me that, even when I 'm not in arrears? A customer service rep told me that a mortgage is a debt, so they can say that even when payments are current.
03/24/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CO 80831	Web
I noticed while reviewing my mortgage statement with Ditech, XXXX XXXX XXXX, a line called 'Unapplied Amount '. I overpay my mortgage every month. Apparently, this company takes any additional money I mail in for my mortgage, and allocates it to a non-interest bearing account, where it sits indefinitely. Why would I mail money to a mortgage company that does not get applied to the mortgage? Their response is, " You did n't indicate what you wanted us to do with the money. '' What I want them to do is pay my mortgage. How is it legal that they can allocate the extra money I send for my mortgage into a non interest bearing account, make the minimum payment on my mortgage, and continue to charge interest on the remaining mortgage balance? The sole purpose of this 'scheme ' of not paying my mortgage with the money I send them is to extend the amount of time I spend paying the mortgage, and prevent me from paying it off early. Why would an account like 'unapplied amount ' even exist? Except to criminally hold my money, for no good reason, to prevent my mortgage balance from being paid down.
12/10/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48060	Web
My mortgage was sold from Ditech to a company called, XXXX (? ). I was just notified on XX/XX/XXXX after calling Ditech with ongoing issues I have had with them. They said they sent me notice to my address and when I argued it, they said they sent the notification to an address I am not aware of. They said I or my ex husband made the change. I am the only one with access to the account due to it having a password. Now, I can't get any prior information. Including info of them charging my account money for things that didn't take place to emails I have sent about not getting my mail from them to them charging me money for things they didn't do. From XX/XX/XXXX to XX/XX/XXXX they charge my account {$30.00} a month. At first nobody knew why but it continued. Then they came up with, it was due to monthly drive bys. However, no reason why and they could only produce 2 receipts from early XX/XX/XXXX during a divorce that these drive bys were done. Also, I just recently found out of Ditech being sued and filing bankruptcy. I can not retrieve any of my documents due to sale date of XX/XX/XXXX
09/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 64055	Web
I made a mortgage payment in XXXX XXXX for the wrong amount. I received a notice that I was late and the payment I made was in the suspense account. On XXXX/XXXX/XXXX I sent the correct amount and sent them a note on their web site to return the {$810.00} in the suspense account. I have called them many times and was told they would sent the funds back to me. I received a letter today stating they could not send the {$810.00} back. Checked my account and on XXXX/XXXX/XXXX when they applied the payment the balance was XXXX On my XXXX XXXX statement shows I am owing over XXXX then the XXXX XXXX statement shows over XXXX in the suspense fund. On the payment history on the DiTech page it show my balance went up to XXXX. I called and asked for a correct statement for how the funds were applied and was told to look at my statements. Also it is not possible to refund the XXXX. Also the letter I received to day says only XXXX was applied to principle, what happen to the other XXXX? If I go by the statements I was charged 2 more months of late fees. I need you to send someone to audit the loan.
04/30/2019	Yes	Mortgage VA mortgage	Closing on a mortgage	CA 92081	Web	Servicemember
In XX/XX/XXXX I refinanced a VA mortgage. During that refinancing process apparently I was overcharged {$150.00}. Ditech Financial did not return that money to me as part of the closing process. Likely they discovered it on a later audit. Although knowing my contact information as it had not changed since the closing they chose not to mail me a check. In early XX/XX/XXXX they did mail me a letter to my proper address, not with a check, but with a claim form to get a check. On XX/XX/XXXX I sent that completed claim form back to them. They still did not send me a check. on XXXX XXXX I received a notice from the Ca State Controller that they owed me money and were asking for it to be forfeited. On XX/XX/XXXX, I sent Ditech an email which they responded to on XX/XX/XXXX wanting another claim form filed. Clearly they don't want to pay me the money. I will upload my XX/XX/XXXX submittal of the claim form as well as its receipt from the Ditech Fax, my notice from Ca California State Controller and my email from an accountant at Ditech again demanding I fill out the same form I have sent them.
05/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 306XX	Web
On XX/XX/XXXX, I paid my XX/XX/XXXX mortgage payment in the amount of {$1600.00} to Ditech and my XXXX XXXX XXXX account was debited on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Ditech that my escrow account was short and noticed a late charge in the amount of {$59.00} was assessed to my account. I called Ditech and spoke with a customer service represenative about the late charge. During my conversation with the respresntative, the representative stated that I have until XXXX to make my mortgage payment and my payment was received at XXXX. I explained to the representative the cut off time for making mortgage payment isn't on the bill statement and I asked how would a customer know this information if the information isn't on the billing statement. The representative was unable to answer my question and advised a manager by the name of XXXX will call me back within 24 hours. As a result, the manager never called back and I received the XX/XX/XXXX billing statement stating my mortgage payment had not been received with the late charge assessed to my account. Thank you
10/13/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60172	Web
I sent a payment of {$9000.00} to Ditech on XXXX/XXXX/XXXX for my monthly payment. It included a check for {$2000.00} and XXXX money orders ( {$1000.00} each ). They deposited personal check on XXXX/XXXX/XXXX and 4 money orders ( {$4000.00} XXXX total on XXXX/XXXX/XXXX. They lost 3 money orders ( {$1000.00} each ), which is {$3000.00} of the payment. I contacted them on XXXX/XXXX/XXXX at XXXX XXXX - spoke with XXXX ( ext XXXX ) who filed a complaint # XXXX to find out what happened to missing {$3000.00}. She told me that the company has 5 business days to investigate the incident and respond to me. I contacted the company on XXXX/XXXX/XXXX at XXXX XXXX - XXXX 's extension does not have a voice mail set up - the phone kept ringing and I could not leave a voice mail. She provided her manager 's contact information during my initial call so I called her and left voice mail ( XXXX ext XXXX ). I have n't head from them so I called again on XXXX/XXXX/XXXX - XXXX 's phone mail kept ringing and I left VM on XXXX 's phone again. I would like to know what happened to {$3000.00} of my payment.
06/03/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 07424	Web
This is my third complaint against Ditech. I believe they are committing fraud and everyone should be aware of this. I 've called many times to have my account adjusted and either they would make excuses or put me on hold and then hang up on me without returning my phone calls as they said they would. Every month I make a payment to them on a timely basis but I receive an email confirmation with a different amount. When I call them for an explanation they are very evasive and do not have a direct answer for me. Why is my account number on the website different from the Modification Agreement account number? I believe they are moving money around the accounts to cook their books, just like XXXX XXXX XXXX did and Green Tree Servicing. This needs to stop. I will continue to file complaints against Ditech until this is resolved. Ditech should not just be sending in a letter to the Consumer Financial Protection Bureau that my account is being rectified because that is a complete lie. How do I know if all these payments that I 'm making every month is going towards my mortgage?
07/28/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	FL 34609	Web	Servicemember
Mortgage Loan payments are not posted to my account. My account is paid up to date and I contineously receive notifications and harrassing phone calls. Correspondence reference my husband who was reported deceased. Veteran documentation was provided. Billing statements reflect PMI charges against my account. Recently received escrow overage. Check was sent with my deceased husband 's name. The check was canceled and a ticket was entered to reissue the check in my name. It has been over a month and the check has never been reissued. This type of treatment is unacceptable. I take extreme measures to make sure my monthly mortgage payments are provided and I get harassed with phone calls asking for my deceased husband. This issue was also reported to XXXX, because my husband was a XXXX XXXX with XXXX XXXX. I have made more than several attempts to get this matter resolved with Ditch LLC ; Loan Servicer and I continue to get told lies. My Loan still has my husband 's name reflecting on the bills. This treatment has caused undue XXXX, XXXX and agony. Please resolve this matter immediately.
07/28/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 132XX	Web
Ditech Financial LLC called me on my personal cell phone looking for my mother. My number is with a private carrier and is unlisted. It is also on the do not call registry. My mother nor any other person gave them my number. They are harassing my XXXX XXXX XXXX mother for a debit that is past the time when they can expect to even collect. The letter they send her even state this. But they called me making threats to take my mothers home away from her, stated they might even be able to put a lien on my house, and intimidating tones. I asked them how they got my number and they refused to tell me. I also asked them to get on the speaker phone with my mother so she could tell them not to call me anymore. They refused to. I asked that they send all documentation in regard to the matter with the originating loan company and anytime it had changed hands. The man hung up on us. They continue to to harass my mother even though she has told them repeatedly to stop calling her. I do not have a specific date they called me as my call log in my phone was wiped accidentally. It was between XXXX.
05/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 63303	Web
I have a mortgage through Ditech Financial ( # XXXX ) and my XX/XX/XXXX payment was sent from my credit union online bill pay XXXX XXXX. It was received and cashed by Ditech on XXXX XXXX. My account has never been credited for this payment. I 've had XXXX conversations with customer service regarding this lost payment. I was initially asked to email the bank statement proving payment. The email went through and was not rejected or returned to sender. I called a few days later and they stated they never received the documents. I was then told by customer service to fax the proof of payment to them. I complied and the document was sent. I called back a few days later and they stated that it was now in review. The file has been in review for over 4 weeks and every time I call for an update they ask me to fax in the same documentation proving the payment was made. This is even after they have confirmed that the original proof payment was submitted and the file is in review. This feels like theft to me and their customer service has not been helpful in finding a solution. Please help me.
01/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 601XX	Web	Older American
My loan was transferred to Green Tree LLC/Ditech.During the time with Green Tree now Ditech I was asked to send documents etc for Modification evaluation which I did, the latest being in XXXX 2015. A letter I received from Ditech dated XXXX indicated they had received everything and that the evaluation could take approx. 30 days. Now on XXXX XXXX I received another letter saying I was not eligible for HAMP etc. A short time for a real evaluation to take place. Previously I had received to Trial Modification offers which were declined because the amount asked for was in fact higher than my original mortgage payment. Both were neither reasonable or manageable based on our current financial situation. My acceptance would surely have resulted in another default. I think it is time for a Servicer change, a Principal Reduction Alternative ( PRA ) or a Cancellation of the debt with the understanding that in 7 years I would deed the house over to XXXX XXXX. Someone needs to be creative regarding a modification for us like paying 10 % of our gross income for an agreed up time frame ... ....
05/15/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Credit decision / Underwriting	WA 986XX	Web
Issue 1 - XXXX QWR 's submitted with no response to ALL questions. The biggest factor is they are collecting Arrears and not applying any monies towards Principle and will not offer a complete accounting of arrears collected. Attached are all QWR 's and responses incomplete. Issue 2 - How can they collect mortgage on an inactive MIN/MERS number? MIN XXXX - Being inactive implies it was paid off. Issue 3 - Where is proof of service, and location of where the debt is recorded, Contents of notice, under TILA they are required to show a secured transaction between XXXX and Greentree. issue 4 - When a clear and complete accounting is offered it should include the rework of XXXX XXXX Post petition charges to have PMI removed an amount less {$180.00} per month. The bank still collected this money, and when the PMI refund was accounted for, this amount should have gone towards principle. Issue 5 - the XXXX QWR 's requested the current balance and a payoff amount. this has never been supplied. We could go on about proof of notice of claim transfer, proof of mailing of notice, etc.
05/31/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30305	Web
We are trying to get a loan payoff. We requested the payoff on XX/XX/XXXX, and told Ditech customer service that we needed to get the payoff by closing on XX/XX/XXXX. They said it would take 7 to 10 business days because their bankruptcy department would have to respond. As of XX/XX/XXXX, we don't have it. Calls to the customer service number are fruitless. This loan was part of a bankruptcy reorganization that ended in XX/XX/XXXX. The problem is we can't talk to anyone directly in their bankrupcty department about how to resolve the issues. All we can do is end up in call center nightmare being put on hold repeatedly. Trying to talk to supervisors is useless because they never answer their phone and never return their messages. All we want to do is payoff the loan!! Our sale of the property is now in jeopardy, and we have no clue as to who is looking at the issue, no phone number ... .no email ... ..no one to talk to or help get the problem resolved. We have documents that show that the loan was out of bankruptcy in XX/XX/XXXX and that the loan was not impaired or crammed down.
03/18/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90069	Web
In XXXX, I had a second mortgage with XXXX. They lied to me about the mortgage rate, and after couple years the rate skyrocketed. In XXXX, I could no longer pay especially the mortgage rates went down dramatically, but XXXX refused to refinance. When I stopped the payments and was ready to walk away, they decided to settle. The mortgage was {$120000.00} ( I paid around {$120000.00} in P & I in 5 years ), and they asked me for {$10000.00} toe settle. I sent them {$5000.00}, promising the rest in a month. Then XXXX charged off the loan left the USA. Couple years later, I received a letter and calls from Green Tree asking for the money. I did n't even know they bought the loan. I explained to them that as promised, I could send them the $ XXXX, but the wanted the entire {$120000.00}. I had a verbal agreement with XXXX but they would not honor it. Again silence for a year until I received a letter from Ditech asking again for {$120000.00}. Again, I reminded them of the $ XXXX agreement, but they do n't want to listen. They paid pennies for this mortgage and now they want to squeeze me
04/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 080XX	Web
This is the second time I am complaining about this company. The first time my mortgage went into foreclosure. This began in XX/XX/XXXX. My lawyer sat on it for 2 years letting the statue of limitations run out. Then the company filed foreclosure. So my lawyer negotiated a re-fi. This first complaint # XXXX. This case was dismissed with prejudice in the courts. in XX/XX/XXXXIn XXXX XXXX XXXX, they stated I did not pay my mortgage. I sent them proof of payments. This time they have admittedly messed up my escrow account. I was told it was escalated but have received no communications in regards to that. Only communications I receive are calls for payment that they increased due to their escrow error. Every time I call or send emails I get passed around and there is never a resolution. They are damaging my credit and causing me hardship because of the higher rates they are forcing you to pay due to their admitted error. Numerous times as with my previous issues with them I have demanded they close my escrow account due to their mismanagement of fund yet they continue to ignore me.
12/20/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 615XX	Web	Older American
Even though we missed a payment in XXXX we have worked our way back to paying by the month. The mortgage company has indicated of foreclosure because the representative is complaining we haven't paid by the XXXX of the month. We told the representative it would be paid by the end of the month. As I mentioned we pay by the month. I am XXXX and unable to work and get paid on certain days and that can't be changed. Now the company Ditech has hired a 3rd party agency who drops off a blank envelope to hang on my door. Ditch had done this to us before and we have warned them not to do this. Number 1 it is illegal and harassing by law for a 3rd party to deliver more than once. Number 2 leaving something hang on the door attracts thieves to a person gone from the premises. I've sent a warning to Ditech to share with this agency that he will be arrested by the Sheriffs Office for harassment. Our payment record will show we often pay more than required to offset the escrow from the loan. This action against a U.S. citizen with XXXX is inappropriate and shows you where we are as a society.
07/18/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60639	Web	Older American
I am very disappointed of Ditech I submitted all my documents since XXXX /2017 . For a Deed in Lieu. since my intentions are to return the home to Ditech. I can not afford it, I am doing what is best for me and my health I am XXXX XXXX XXXX and is getting harder for me to move around do to my XXXX . Therefore I was hoping to get some respond within 30 days and still nothing. We are almost going to end the month of XXXX and I am scare that I am not aware of what is going on. Every time I call Ditech for an update, some Agent tell me is under review and some tell me my file is not activated. I am starting to believe that Ditech intentions are just to foreclose my home instead of assisting me with my Deed in Lieu request. Please help me get a responds from Ditech it seems that they are purposely prolonging my case. I want know how much long I have to stay in my home, since is hard for my to move around I need to know with a head of time so I can have my family and friends help me move out. However I will not leave until I received my Deed in Lieu documentation.
08/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 10460	Web	Older American
My mortage statement is wrong since XXXX and no correction has been made by ditech. The principal balance is higher ( XXXX ) compare to the remaining balance from XXXX XXXX XXXX and Green Tree which is about XXXX. Beside high principal at a 6.75000 % interest rate, escrow is added on top of the payments which always was included with the monthly payments and the year of the loan was also increase from 20 years to 40 years. I been sending XXXX but only XXXX is applied to it. The payment as increase now from XXXX ( XXXX to XXXX XXXX XXXX ) These are the same payments i have been making since I first brought the house in the XXXX 's. In XXXX, ditech submit loan modify papers to the amount principal now- but the papers was dated in XXXX XXXX I been paying XXXX since XXXX XXXX and although I been pay ahead of time, I was also charge late fees ( XXXX ) through Green Tree and in XXXX ditech which both company are now as XXXX since XXXX. If I continued to keeping paying them, I will not only have given them extra money but in ten years I will pay them over XXXX. It unfair.. please help!
11/28/2017	Yes	Mortgage VA mortgage	Trouble during payment process	PA 166XX	Web	Servicemember
DATE OF LETTER ; XXXX They put too many obstacles in place to pay down your mortgage. Wen you set up your account for them to make pay bi-weekly thru auto withdraw from checking account they do not post payment until the whole payment is in. I was just informed they will no longer be accepting bi-weekly payment, after I set up automatic withdraws over a year ago and have been taking payments out bi-weekly that they control. I had not wanted them to have access to my account but it was the only way they would accept bi-weekly payment and post them in a timely manner. I feel that they want the consumer to spend 30 years paying the mortgage at this point and i have had nothing other then problems with this company since my home loan was assumed by them due to it being sold off to them. I have worked with many other mortgage companies and never had so many problems.my complaint is why are they dropping or saying they no longer accept bi-weekly payments and is it even legal do pull this stunt? i attempted to contact them but after being on hold for about a 1/2hr. i finally hung up.
11/28/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	UT 84065	Web
After many years of enduring the difficulties of dealing with Greentree, now Ditech Mortgage, and paying their very high interest rate. My wife and I were able to improve our credit standing and refinance the high interest loan to a much lower rate with a local financial institution. We obtained a payoff letter from the Ditech website and our new company sent the funds as calculated by Ditech. The payoff amount was posted on XXXX XXXX, 2016. Instead of applying the total amount of the payoff to the principle portion remaining, Ditech applied {$1700.00} to the XXXX payment, and then the remaining portion of the payoff amount to the principle balance. Now they claim we owe an additional {$250.00} and change to pay off the remaining balance. Why would they not just pay off the remaining balance, the amount they gave us in the payoff letter?? Because applying it as a monthly payment creates just the scenario I have described. Once again Ditech/Greentree has exhibited the pattern of predatory lending practices, and their desire to charge customers every pound of flesh that they can.
06/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32221	Web	Servicemember
I am trying to short sale my home. The XXXX lien holder has been on task with getting the short sale paperwork processed in a timely manner.The XXXX lien holder is not cooperating with me at all. I have submitted over XXXX documents to the XXXX lien holder and my account is not in short sale status yet. I get hung up on often, I get transferred continually and never have been given the liberty to speak with a manager that I have requested to speak with on several occasions. I have written a letter with all the details. I am now receiving collections calls from the second lien holder and being told that as far as they know I am not in short sale status. I was assigned to a short sale representative and he closed my file for no apparent reason. After the last disconnected telephone call on XX/XX/2016 with a representative, I felt compelled to get some federal assistance since I am being denied a federal program assistance ( HAAP ). You will find FAX LOG sheet that verify I have the documents requested was in fact received by the second lien holder on XXXX XXXX and XXXX XXXX 2016.
04/22/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33023	Web
I recently filed for Chapter XXXX Bankruptcy and the Bankruptcy discharge was received on XXXX/XXXX/XXXX. My home mortgage was not included in the Bankruptcy and was not discharged. A reaffirmation agreement was not submitted for the home mortgage as it was our primary and only residence and we were not required to re affirm the home mortgage debt. I have had the mortgage/loan since XXXX XXXX, have never been late and never missed a payment. Since filing for bankruptcy in XXXX XXXX my mortgage lender has stopped sending monthly statements. After the discharge was received the mortgage company refused to submit my monthly statements. I have called 3 times since XXXX XXXX XXXX requesting to have my statements mailed and the mortgage company has refused to do so. The mortgage company stated if I do not submit a re affirmation agreement for the loan they would not report the on time payments to the credit bureaus and would not submit monthly statements. The bankruptcy has been completed, the discharge has been received and the mortgage company refused to send me monthly statements.
04/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32765	Web
We had a mortgage with XXXX XXXX XXXX, which mortgage was assigned to GreenTree Servicing, LLC. In XXXX 2015, we received calls from GreenTree stating that our payment had increased and we needed to pay an additional {$36.00} per month ; however, no one could explain why the payment was increased. We were told the taxes must have gone up ( we retrieved the real estate tax statement - no increase ). We were told that the homeowner insurance policy was increased ( we called our insurer - our premium went DOWN ). We requested and received the escrow statement from GreenTree. It states that our payment is based on projected figures and states that our payment increased to {$25.00}. On XXXX XXXX, 2015, I was told that we should have paid to avoid the hassle of phone calls and a bad credit report score. On XXXX XXXX, 2015, I faxed a letter to GreenTree requesting that the phone calls cease and that they validate the amount we owe. GreenTree responded by sending us a mortgage default package. Our regular mortgage payment is paid up to date, as it is paid electronically by our bank.
07/15/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AE XXXXX	Web	Servicemember
My husband took out a line of credit home loan for {$25000.00} in XXXX and paid $ XXXX monthly to XXXX. He discovered in XXXX that it was an interest only loan and started paying {$500.00}. XXXX purchased the loan and he continued to pay {$500.00} per month until XXXX. Based on his payment rate he knew the loan was supposed to be paid. When he continued to receive statements, he filed a complaint with the XXXX. He received a letter indicating that XXXX had filed for bankruptcy and after a full review it was determined his loan, balance was XXXX. In XXXX, he began getting statements from Green Tree. After watching the continuing frustration of my husband I spoke to Green Tree and apprised them of the situation. I indicated that my husband had paid the loan off. Recently I started getting statements from DiTech reference this loan. It appears the DiTech is in the business of debt collection and found this loan and is attempting to collect it although it was paid. My husband is a XXXX veteran XXXX and I do not want him harassed by a debt collector on a debt that he nor I owe.
08/25/2015	Yes	Mortgage Other mortgage	Settlement process and costs	GA 31558	Web	Older American
On XXXX XXXX,2015 I had a house fire in XXXX room of the existing house contain to XXXX room of the house not the mobile home that is mortgaged to Greentree. The insurance company paid off the fire but the check was made out to myself and Green Tree I was told to send the check for their endorsement in doing so they kept the check requesting different documents after submitting everything I thought they asked for they have yet to send me anything to complete the repairs with. I had a friend helping me with the repairs but he got a job and had too stop so I have done the job myself with donations and love offerings for family and friends and have explained this to them, now they want the contractor number and all sorts of things but have not release any of the funds. They did send back the money I paid the guy for helping and the little I paid for the supplies I was able to buy but, nothing since then I have tried on several occasions to speak with someone from the claims dept. when they 're not being rude they put me on hold then hang up and wo n't answer the phone anymore
02/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28376	Web
I had my home insured thru mortgage co ( XXXX XXXX XXXX ). Coverage effective from XX/XX/XXXX thru XX/XX/XXXX. Name of insurance co. was XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX insured home with XXXX XXXX XXXX. called XXXX XXXX XXXXXXXX XXXX on same day and cancelled their policy. Well I worked at XXXX XXXX. for 20 years so I knew I was due a refund..I went back and forth with Green tree in reference to my refund and they told me that they do not give refunds..I filed a complaint with NC Insurance Comm. on XX/XX/XXXX and XXXX XXXX was assigned complaint. XXXX XXXX contacted Green Tree and XX/XX/XXXX received my refund of XXXX..Well Green Tree added XXXX to my regular mortgage payment and I have been going back and forth with them trying to get them to remove XXXX because they are saying my mortgage is past due since XX/XX/XXXX, and this is not so. I was going to file another complaint with NC Insurance Comm. but they said I need to file the complaint with your office. I really hope you can help resolve this issue, because it has been stressing me out since XX/XX/XXXX.
05/07/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92530	Web	Older American
Ditech XXXX XXXX XXXX mailed notice of escrow shortage on XX/XX/2019. The notice was received on the XX/XX/2019. On XX/XX/2019 contact was made with Ditech and a request for the due date was questioned. The letter fail to inform the due date of the shortage prior to automatically adding the shortage payments of {$40.00} to my monthly payment. The letter stated that the monthly payment will also be changed and the date for this falls on XX/XX/2019. How can this be possible? Ditech did not included a final due date on their letter of intent and forces a monopoly control on the mortgagor ( s ). This action to increase and force a higher payment is wrong and does not comply with the Statues of Limitations Enactment Laws. I have requested for full review of Escrow from the date of our account and property assessments from XXXX County Tax Assessor. ( Please request these for me ) I have requested the contract and yet to received my request. ( Please ask for them ) I understand that taxes increase, but Ditech must not increase without notice of a due date payment. Please help.
09/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60559	Web	Older American
I sent my mortgage company a certified check for {$11000.00} on XXXX/XXXX/XXXX. I talked to my account rep on XXXX/XXXX/XXXX and told her I would be mailing my total due within a week. I did do as I said. I have been calling my mortgage company to see if received and left several messages and finally today was able to talk to someone. They said the check was probably sent back to me because additional monies are owed. They said foreclosure paperwork is in the process. I have never received any paperwork in the mail for a foreclosure. Now they told me that a letter dated XXXX & XXXX/XXXX/XXXX has been processed which I have n't received yet. It looks as though my call on XXXX/XXXX/XXXX might have prompted them to start proceedings. I do n't know what to do at this point. I have been out of work with no income coming in. I filed for social security XXXX/XXXX/XXXX and it took social security this long but sent me a back payments. This is why I was so much in default. My account rep told me to send the money because it did n't look like foreclosure paperwork had been started.
05/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 923XX	Web	Older American
XXXX XXXX XXXX XXXX Husband & Wife We have done a refiance on our home to lower our interest rate through XXXX mortgage but we can not get the loan closed because on XXXX XXXX, 2007 we took out a second mortgage through Green Tree mortgage in the amount of {$55000.00} and on XXXX XXXX, 2007 this mortgage was recorded twice in the same day showing two mortgage instead of XXXX XXXX mortgage and my wife and I have contacted green tree to have this done and all we are getting is the run around every thing that they have asked us to do paper work wise we have done but no one will get back to us we have left messages and still no response from Green Tree so any help that you give us will be appreciated I am living on a fix income and need the help also I am XXXX and trying to get my affairs in order so my wife will not have to suffer when I am gone. I have had XXXX I do not know what green tree reason for doing us like this but it is not right they are the one who recorded these two loans. Thank you XXXX XXXX XXXX XXXX Ps. Greentree account # is XXXX and my contact # is XXXX
10/08/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	IN 46227	Web
Greentree merged with Ditech. We received a statement in the mail from Ditech ( we have an XXXX loan and the XXXX is with Ditech XXXX. We have tried calling their customer service on XXXX different occasions as we need a statement of the last 12 months of transactions. We tried to create an account online but it is saying it does n't recognize that account number. Every time we call the customer service number we get a different answer ... .they ca n't find our account but do n't know why we ca n't access it online. On several occasions they say they ca n't find our loan based upon the Loan number they gave us nor the social security number and address tied to the account. Either this company hires incompetent employees or they are shady ... .I am leaning more towards shady. Is n't it our right to access our account information? Are n't we entitled to get this information when requested. I would also like to mention that this account is and has always been in good standing. If they ca n't find us when we call, how can we be sure they are applying our payments correctly?
07/15/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77346	Web
Whenever I pay extra towards principal they seem to apply it to the future month, effectively doubling my interest. This has happened several times this year. On XX/XX/XXXX at XXXX CT, Ditech 's Customer Rep XXXX, enrolled me in their program to automatically apply any payment that does not match my Regular Monthly Payment to principal. On the latest occurrence, I paid {$5000.00} towards principal on XXXX and my Regular Monthly Payment on XXXX. They deducted over {$900.00} interest from both payments, so now my Principal balance is overstated by {$960.00}. My XXXX payment is due to hit today, so that will just compound the imbalance. On XX/XX/XXXX at XXXX I spoke to XXXX who understood and calculated the same Principal Balance as me ( {$170000.00} ) and said it would be corrected. I called XXXX on XX/XX/XXXX at XXXX and XXXX onXX/XX/XXXX at XXXX because my online balance still has not been corrected. All they do is say that they will submit my call. This company is very unresponsive, not very intelligent and I 'm sure that what they 're doing is illegal.
11/05/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MI 48197	Web
My mortgage provider Ditech decided without out my permission or reason to add earthquake insurance to my escrow. I live in Michigan where earthquake insurance is not required and I do n't find it to be necessary. I sent an e-mail to Ditech asking why this insurance was added to my escrow. I received an auto reply and then the next day I received a second e-mail stating that my request was being reviewed for appropriate processing. That was two days ago and they have not bothered to follow up with an answer. I am sure that it should not take that long to provide me with an answer if they were planning on telling me the truth. I do plan on contacting a lawyer to help me review and explain the escrow to me. I do know that the earthquake insurance should not have been added to my escrow. I prefer to communicate via e-mail because you ca n't deny the conversation. I do not want to discuss this matter over the phone with Ditech being that I do not have a way to record the conversation. Any and everything can be denied being said when you have no hard proof to back you up.
03/01/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	NC 28540	Web	Servicemember
I am having an ongoing issue with ditech, just checked my bank statements from 2015 ditech never sent a check in the amount of XXXX, it was actually XXXX. I am tired of the run around from this company. I will now be sending a complaint to HUD. Even from their own statements you can tell they are ripping us off with the escrow. This is not a new loan. I will be attending a forum Wednesday hosted by the nonprofit business alliance for a sound economy. In attendance will be Senator XXXX XXXX, Rep. XXXX XXXX, Rep. XXXX XXXX and Rep. XXXX XXXX. At that time I will be showing all taxes statements from ditech along with the emails they have sent me.As you can probably tell they will be discussing homeowners issues. If I was ditech I would have a representative there.I will not stop until they give me my money that is owed that they stole from us through escrow.In North Carolina it is against the law to fudge tax statements.And XXXX XXXX the paralegal from ditech needs to go back to school and learn how to do an escrow. As does most of the people that I talked to from ditech.
10/04/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11727	Web
I have tried to work with Ditech, From XX/XX/2018 we have submitted documents to Ditech, we submitted requested documents. Then on XX/XX/2018 we received a letter stating that information was received and we had to wait 30 days for a response. Then we were notified that the loan was transferred to another servicer. We waited and then when we tried to communicate with the new servicer they had none of the information concerning our loan. Again on a letter dated XXXX XXXX again we received a Notice of Sale of Ownership of Mortgage Loan, but on XX/XX/2018 Ditech accepted a mortgage payment in the amount of {$2300.00} with a conformation number of:XXXX. We have a notice of Servicing Transfer dated XX/XX/2018 to XXXX XXXX with no new loan number and they do not have the complete file from Ditech and we have a sale date for XX/XX/2018 @ XXXX. What happens to all of the documents that were submitted to Ditech in XXXX, XXXX, XX/XX/2018? Why do we have a sale date when they accepted a mortgage payment from us? Please help us with this impossible situation. Thank You
01/14/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33020	Web
On XX/XX/XXXX, Ditech, LLC made a flood insurance payment of {$3000.00} to a cancelled flood insurance policy ( " XXXX '' ). On XX/XX/XXXX, Ditech, LLC made a flood insurance payment to my current flood insurer for {$1300.00}. On XX/XX/XXXX, XXXX sent Ditech, LLC a refund check for XXXX. TO DATE, this refund check of {$3000.00} HAS NOT been credited to my escrow account. My insurance agent and I have REPEATEDLY tried to get Ditech to correct its error. On XX/XX/XXXX, Ditech claimed the refund would be credited in 7-10 business days. I have made several subsequent calls. To date, the monies have not been credited. On XX/XX/XXXX, Ditech transferred the mortgage to another servicer, XXXX XXXX. The escrow information Ditech sent them was incorrect. You will see from viewing the attachments that it is clear Ditech made the flood insurance payment, received a refund of the flood payment from XXXX and did not credit it. This is a great deal of money that I NEED. Please assist me in getting them to do their jobs properly and properly credit my escrow account. Thank you.
02/15/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX XXXXX	Web
I thought the issue was on it's way to a resolution when I received from Ditech, a Mortgage Assistance Application. After getting what was needed to send out with said application, it was sent out. Yesterday a lady came by my home and stated she was a representative for XXXX XXXX. From what I can remember, the first mortgage note was through XXXX XXXX ; later I received notice that the mortgage note had been sold or bought to/by Green Tree. Later, I received notice that the note had been sought, sold or transferred over to Ditech. Since then any letters received have been under Ditech. To have that visit from the lady yesterday, bothered, confused and frightened me, because I believed I was dealing exclusively with Ditech and the name XXXX XXXX has never been mentioned in any manner. I informed the lady that my dealings have been solely with Ditech for many years then and to the present. Any information you can give me would be greatly appreciated. As mentioned, it was disconcerting to now have something new come up. Thank you for your assistance. XXXX XXXX XXXX
05/12/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	NC 27597	Web
I contacted Ditech, my current company, about refinancing my XXXX mortgage and the service rep that I was assigned to said I qualified for a XXXX refinance. And he stated that the only documentation that I would need would be a home owner 's insurance policy XXXX page. I currently have a 3.5 % interest rate with Ditech. I only owe 20 more years, and XXXX. They are quoting me a rate of XXXX, 30 year fixed, in which I have to buy down my rate??? ( which is higher than my current rate ) and tack on {$4400.00} in fees to save a measly {$110.00} a month and pay for 10 more years than I currently owe. This makes no sense. When I look online it says XXXX rates are XXXX percent not, XXXX percent. And on the XXXX website it says I should expect around 1.5 % in fees associated with the refinance, which would only be {$1700.00}, not {$4400.00}. I have sent them several emails asking why the rate is higher than posted rates ; I have asked why they are adding in {$4400.00} in costs, and they have not responded. I do n't think they should take advantage of homeowners in this way.
06/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 391XX	Web	Older American, Servicemember
o Payments are not posted or frequently not posted in a timely manner. Examples : Payment for XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX ; XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX ; XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX, XX/XX/XXXX post marked XX/XX/XXXX was not deposited and had not cleared XXXX by XX/XX/XXXX. Billing statement dated XX/XX/XXXX with due date XX/XX/XXXX indicated {$4000.00} due. Late fees were added on the billing statement dated XX/XX/XXXX with due date of XX/XX/XXXX. o Sent a Compliant letter dated XXXX XX/XX/XXXX. Rec 'd a response & printout. Payments posted on the printout do not commensurate with billing statements received. Some months had multiple payments posted. Multiple payments were not made. o Receives multiple monthly billing statements : Example : billing statements dated XX/XX/XXXX with payment due XX/XX/XXXX ; XX/XX/XXXX with payment due XX/XX/XXXX ; XX/XX/XXXX with payment due XX/XX/XXXX ; and XX/XX/XXXX with payment due XX/XX/XXXX. o Ditech Mortgage sent a representative to my home on two different occasions.
08/12/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MD 20878	Web
Previous complaint number XXXX, I submitted a complaint on XXXX/XXXX/2016 stating that I submitted a payment via epay. I have spoke to SEVERAL not helpful service agents. Supervisors XXXX and XXXX both were not helpful at all and never escalated my issue. XXXX finally listened, escalated the issue and my payment was found ( misapplied to another account ) and posted to my account. The payment is held now in an unapplied status and not posted to any monthly payment. It is just sitting there since XXXX/XXXX/2016, although Ditech responded to my original complaint this issue is not yet resolved. The unapplied status has been ongoing since XXXX/XXXX/2016, XXXX is aware and have escalated but the payment is still not applied and on XXXX/XXXX/2016 I will be again assessed another late fee. How is this happening and how is Ditech getting away with it. I work in the " Securities ' industry and the regulations would not allow for any of this without someone being called to the carpet and held responsible for the flurry of misapplied funds. I need this resolved .... Please!
09/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 354XX	Web
I am being charged {$920.00} in insurance fees for a mortgage force placed insurance policy from XXXX. This amount was just charged to me XXXX XXXX after I received ( XXXX ) XXXX claims settlement checks in XXXX XXXX. XXXX check was for {$980.00} and the other for {$950.00}. These were due to overpayment on forceplaced insurance policies. Incidentally I obtained my own home owners insurance in XXXX XXXX. I had a loss of coverage in XXXX due to my having to fike a claim on my state farm home owners insurance from the XXXX XXXX XXXX XXXX that hit Alabama. My insurance company dropped me when my policy term was up. Over the years my forceplaced insurance has always been paid in conjunction with my house note. It would be an additional {$120.00} on top of my {$630.00} mortgage. When I came out of bankruptcy in XXXX XXXX {$13000.00} was paid to Greentree to bring all balances current. I feel I am being charged this huge amount to pay at XXXX time due to the insurance settlement. It has been added to my mortgage payment sue for the month. I am disputing this amount due.
06/16/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT 843XX	Web
OUR MORGAGE WAS SOLD TO DITECH AND SINCE WE HAVE HAD NOTHING BUT ISSUES. WE CONTINUALLY HAVE TO CALL THEM ABOUT OUR ESCROW ACCOUNT THAT WE NEVER HAVE SET UP. WE PAY OUR OWN TAXES AND INSURANCE. WE WILL MAKE THE REGULAR PAYMENY ONE MONTH AND THE NEXT IT HAS JUMPED TO OVER 300 $ MORE. THEY SAY ITS A INCREASE ON OUR ESCROW. WE HAVE SENT PROOF TO THIS COMPANY TWICE WITH A STATEMANT FROM OUR INSURANCE AGENT. THAT RESULTED IN THEM PAYING OUR INSURANCE. OUR INSURANCE AGENT CONTACTED DITECH ON THE MISTAKE AND SENT PROOF AGAIN OF PERSONAL PAYMENT. OUR INSURANCE COMPANY SENT THE PAYMENT BACK. THE MONTH OF XXXX WAS CORRECT BUT THE MONTH OF XXXX AND XXXX IS NOT. THIS IS AFFECTING OUR CREDIT. WE ARE TRYING TO GET OUT OF THIS LOAN WITH THIS COMPANY AND OUR PAYMENT HISTORY WITH DITECH IS THE REASON WE CAN NOT. I WILL NOT PAY THEM MONEY I DO NOT OWE JUST TO SAVE MY CREDIT. THEY ARE AT FAULT AND IM NOT SO SURE THEY WILL REFUND ME IF I DO OVER PAY.THIS PROBLEM HAS BEEN GOING ON SINCE XXXX XXXX . THEY FIX IT AND IT REVERTS BACK AND WE HAVE TO FIGHT THEM TO CHANGE IT.
10/11/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	OH 45238	Web	Older American
In XXXX, I purchased my duplex condo through XXXX XXXX XXXX. At the purchase agreement signing I was told that the original HOA had been dissolved and that an agreement would exist between me and the adjoining condo to maintain the property. I did n't question this until XXXX when the adjoining condo went into foreclosure and I assumed the costs of maintaining the entire structure and property. In XXXX I knew I would be retiring soon and looked for a realtor to sell my property. I approached XXXX realtors over a year and none would agree to represent me as I was underwater and had no existing HOA agreement. I attempted to refinance to lower interest rate and did not qualify because I was {$60000.00}. underwater and there was no HOA agreement. XXXX more condos on my block foreclosed bringing comparables to a third of my purchase price. Green Tree Servicing took over my mortgage in XXXX. In XXXX I stopped making payments and found a realtor who would try a short-sale. I found a buyer but the property was foreclosed on before the paperwork at the bank was completed.
09/30/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08724	Web
My mortgage service co Ditech hired a company to break into my residence and change the locks while the home was in the foreclosure process.. The home was not listed for sale. The company continued to harass me with threatening phone calls. In XXXX I agreed to a modification program. The agreement signed stated the first payment was due XX/XX/XXXX. If the next 3 payments were made on time, the modification would be permanent.. The next 5 payments were made on time, I also applied for the hamp program only to say they are reviewing. it. This went on for 5 months. XXXX then sold my mortgage and is now being serviced by XXXX. I have been in contact with them, and they state they are awaiting the paperwork from Ditech. I have made my payments with shellpoint on time. They state that they do no even participate in the HAMP program. XXXX failed to its guarantee to have new company honor previous agreements. I want to have the issue resolved with my current modification and for them to honor it. I would like also for them to honor the HAMP process before it was sold.
02/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 481XX	Web
After a month long ordeal of begging Ditech to pay our property taxes from our escrow account and having to prove our property was indeed the size the signed mortgage and deed says it is, Ditech told us on XXXX XXXX, 2016 when we called in the morning that our already past due taxes would be paid to our township. We received a tracking number from XXXX for an envelope that was never shipped and was made on XXXX XXXX. We called Monday, Thursday, Friday and Saturday during the week on XXXX XXXX asking when our tax payment would be sent and notified them that the taxes are past due and will be turned over to our county on XXXX XXXX with additional late fees and a lien will be placed on our home. The lien could cause a ding on our perfect credit. The taxes are still not paid and funds were removed from our escrow account to cut the checks for the payments that were never sented. We have a previous complaint for this issue with the CFPB and Ditech was sent an official notice of error. Ditech has been provided with tax bills and contact information for our township.
01/25/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	WA 985XX	Web
Ditech Financial did not pay my county taxes with my escrow funds they collect, this resulted in delinquent taxes with late fee 's, penalties and interest being added to my tax account. I contacted Ditech ( XXXX XXXX ) via email & Customer Service via fax on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 each time they said they would take care of the taxes. I spoke with XXXX at DiTech XXXX/XXXX/2015 he said they would pay the property taxes. XXXX/XXXX/2015 I paid the taxes myself including the late fees, interest and penalties ( receipt attached ). XXXX/XXXX/2015 Ditech ( XXXX XXXX ) was contacted and sent my receipt ( via email ) showing I paid the the taxes & penalties, he said they would reimburse me for the interest and penalties. I have submitted written requests to DiTech ( XXXX XXXX & Customer Service ) on XXXX/XXXX/2015, XXXX/XXXX/2015 & XXXX/XXXX/2015 to reimburse me for the penalties and interest I paid as a direct result of Ditech inefficient servicing practices. This is fraudulent servicing practices and Ditech is in default of the service contract.
06/24/2016	Yes	Mortgage Other mortgage	Credit decision / Underwriting	MN 55433	Web
Sometime in XXXX 2016 my husband & I were able to pay off the second mortgage. In fact we over paid at the time. ( This was according to Ditech ) They had said that they were going to issue us a check for the over payment. So my husband & I waited for a month & then made several attempts to call Ditech. Every time we called we talked to someone new, each with a different story. The last time my husband called he was promised that a supervisor would be calling him back, but no one ever did. Yesterday ( XXXX XXXX nd ) I made an attempt to call & finally was able to talk to a supervisor named XXXX. She has explained to me that They emailed the escrow team 3 times & no one ever got back to her. When I asked about talking to a supervisor in Escrow she said that they do n't have one & the only way they can get a hold of them is by email. It is now XXXX of XXXX & we are still waiting on our refund/ over payment. I would really like someone from there to be honest with me & not give my husband & I the run around. I think that we have been waiting long enough for this.
05/02/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 318XX	Web
This is a follow-up to my previous complaint. Consumer Financial Protection Bureau ( CFPB ) : XXXX Ditech Financial LLC Account Number : XXXX Ditech stated in there letter dated XXXX XXXX , XXXX : Our records show, however, a new advance was assessed to your account on XXXX XXXX , XXXX . This new fee, in the amount of {$29.00}, was assessed due to the delinquent status of your account. As servicer of your loan, we are obligated to protect the investors interest in property if an account becomes delinquent, thus an external property inspection was performed to determine the occupancy status. Please note that your XXXX XXXX payment was due XXXX XXXX , XXXX , but did not post to your account until XXXX XXXX , XXXX . This is an inaccurate statement as I have enclosed documentation from my bank showing when the funds were electronically with-drawn from my account, ( for XXXX XXXX payment ) which was withdrawn on XXXX XXXX XXXX , instead of XXXX XXXX , XXXX as stated in the above response from Ditech.
12/28/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48823	Web
In 2016 The mortgage company " Di-tech '' financial created an " unapplied balance '' situation to my account without any explanation, consent, knowledge and it did not appear on my statements, end of year accounting. For 3 months they send out " we are working on it '' ... " we take these issues seriously '', etc., etc, ... The matter has been attempted to deal with through The State of Michigan Department of Finacial and Insurance just rotting as the servicer " XXXX XXXX '', took the property in XXXX and keeps trying to tell me to contact the " Di-tech '' people. The point here is that THIS is exactly why you guys are here to handle. This particular situation involving a large fire claim, by another company, ( XXXX XXXX ), that actions taken against a XXXX " insured '', that the need to overhaul this industry, and people need to go to jail. So you can pass the buck and be part of the problem, or reach out .... get someone to meet me, get a case worker, office, subpoenas, DOJ, FBI, ... ..Just Call me Monday and let me .... show you. OR
10/11/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 07052	Web
After I paid in full my mortgage with dtech financial I requested the refund of my scrow account. The mortgage was paid in full on XX/XX/2018 and XXXX confirmed on XX/XX/2018 that a check of {$2800.00} dollars was issued already. Three weeks later the check was not received and I contacted again dtech customer service for an update. I was told that they have no control over USPS as the check was mailed already. They offered the possibility of making a direct deposit if within a week the check was not delivered. A week later I called again and at this time I was told that dtech does not make any direct deposits to reimburse scrow balances. I was ensured that a new check was going to be issued and delivered within 5 to 10 business days. Today I have been told that the check has not been issued yet. This situation is unacceptable from a financial institution who will not hesitate to charge you fees if you do not pay your morgage on time. However they have the luxury to play with customers money and blame the postal office when the checks mysteriously disappear.
03/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73099	Web	Older American, Servicemember
In XX/XX/XXXX or XX/XX/XXXX Ditech Mortgage Co increased my monthly payment. I was never notified of this, they had a wrong address on file, but they did have my correct telephone number and no one tried to call. The mortgage company process will not post a lesser amount as a payment, they just hold on to it, by XXXX, they sent a report to the credit bureaus for 30 days delinquent. As soon as I was aware of the situation I called and made a payment and ask them to work with me and reconsider the credit report, I was unaware of the increase and I sent in a payment every month since XX/XX/XXXX. The contact on the phone stated they could not help me. I requested to speak with a supervisor and after a long wait I was transferred to a recording. I left contact information, but no one every returned my calls. Please help me work with the mortgage company to remove the delinquency from my account, I never missed a payment and I know have lost over 100 point from my Credit Score and it will remain on my account till XX/XX/XXXX. THis just is not right please help me.
04/06/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94506	Web
I applied for numerous loan modifications with my former servicer XXXX who has failed to provide me with timely decisions on my loan modifications and practiced in Dual Tracking. My last loan modification was submitted to XXXX in XXXX 2016, to date, I have not received a decision from XXXX. However, absent of a decision XXXX filed a Notice of XXXX which recorded on XXXX/XXXX/2016, to further cause harm to my family, my loan was transfer to Ditech on XXXX XXXX, 2016, still without a decision on my loan modification. In a letter dated XXXX XXXX, 2016 from Ditech we received a Welcome letter. I called everyday to Ditech to see if they had my loan modification from XXXX. Ditech said they were missing some information I ask what? I informed Ditech that XXXX had received all of our financial information, the application, and bank statements P & L and proof of residency had been provided to XXXX. Ditech wanted us to begin again with everything and all documents, they were never able to provide the list of missing items and dismissed all of our request out of hand.
11/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 015XX	Web
I received a HAMP modification 6 years ago. I have made timely payments and my account is in good standing. I made a large principal reduction on my own along with the incentives from the XXXX that owns my mortgage so I requested a recast of my loan. I was turned down but told that once I got my 6 year incentive payment they would recast. Then suddenly in XXXX XXXX I received a letter dated XX/XX/XXXX that stated my request for recast had been accepted and I would receive the documents within 2 weeks. I have called 9 times since then and each time I am told that they see the approval letter but ca n't understand why the docs have n't been sent. In XXXX I was told that I would have the documents within 30 days. the 30 days was up on the XXXX of XXXX and I still ca n't get anyone to answer me as to where the documents are. I expect a recast of my mortgage so that I can afford the payments. I am a working single mother who is trying to do the right thing but these payments need to be recast so that I can afford them. I have hired an attorney to pursue damages.
06/06/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 92562	Web
Over four weeks ago, I found out that Ditech.com reported that I had a late payment XX/XX/XXXX. I have called, emailed, spoken with XXXX different people including supervisors. After speaking with XXXX, who was very nice, I was assured I would get a letter from correspondence stating that I never had a late payment XX/XX/XXXX. Today, I got a letter and this is all that it said : " Please be advised that as of today 's date the account is current and next due for XXXX XXXX, XXXX. There are currently no outstanding late fees. " The people over the phone confirmed that I have NEVER had a late payment with and NONE should be showing up on my credit report. I have requested a letter from Ditech requesting that in writing and was promised I would received one. It seems like they are purposely trying to ruin my credit rating. I am attaching the payment history that was sent to me by Ditech.com, screenshots from their website showing my account history and when my payments were made XX/XX/XXXX and a screen shot from XXXX website showing the false late payment.
10/28/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IN 460XX	Web
Mortgage Company XXXX XXXX sold my loan to Green Tree Servicing LLC, Green Tree Servicing LLC was purchased by Ditech is now called Ditech. I have not and did not receive any information regarding this company name change and also have not received any correspondence from Green Tree Serving or Ditech in reference to my Mortgage Loan statement or Balance due since XX/XX/XXXX. I 'm currently in he process of loosing my home due from loss of income XX/XX/XXXX and have been working with Green Tree Servicing LLC since XX/XX/XXXX to resume my mortgage loan obligation since re-employment XX/XX/XXXX. Green Tree has denied me every program advertised to prevent foreclosure. I am currently working with Indiana XXXX XXXX XXXX and very positive this is my last chance to save my home due to working with clinic exploring all prevention possibilities that my own mortgage servicer could not or would not. It has been very difficult communicating with Ditech, there mission is to Foreclose on my home and not work with me now that I am employed and can resume monthly payments.
07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29445	Web	Servicemember
I am XXXX XXXX XXXX XXXX and during XX/XX/XXXX my home in XXXX XXXX FL was destroyed by Hurrican Micheal. My loan with XXXX XXXX was placed into Forbearance starting in XX/XX/XXXX. My home was repaired and livable again in XX/XX/XXXX. At that time loan modification paperwork was done to add the months of forbearance payments to the end of the loan. While the modification paperwork was being completed Dietech Finacial placed my loan in delinquent status showing it 120 days late. I started my payments in XXXX of XXXX during the time while waiting on the loan modification to be completed. I was informed that in XX/XX/XXXX that delinquency was an error and that the error would be corrected and that since it was a state of emergency and a natural disaster that the delinquency was a mistake. I have been unable to reach XXXX XXXX as it filed for Bankruptcy and since that time it has closed down and transferred my loan to XXXX. I have also contacted XXXX on XXXX XX/XX/XXXX to inquire if they could place an investigation into the negative post on my credit report.
01/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 391XX	Web	Older American, Servicemember
Corrective actions were not completed relative to previous Complaint # XXXX. Ditech continues the following : ( 1 ) not post payments upon receipt on or before funds are credited to the payee, ( 2 ) continues sending monthly statements indicating three payments delinquent, ( 3 ) did not reimburse late fees charged for payments received on time, and credited to DItech, ( 4 ) did not correct/update credit reports to correct false info reported throughout XX/XX/2018, ( 5 ) did not provide a response/clarify why {$15.00} were charged for XXXX XXXX XXXX, ( 6 ) refusal to provide the information required to set up payments by a monthly payroll allotment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that was requested on numerous occasions in 2018 ), ( 7 ) Last Statement dated XX/XX/2018 due XX/XX/XXXX stated {$4000.00} were delinquent for XX/XX/XXXX thru XX/XX/XXXX ( False Information ). FACTS :XX/XX/XXXX- Credited to Payee XX/XX/2018, XX/XX/XXXX- Credited to Payee XX/XX/2018 and an additional payment credited XX/XX/2018, and XX/XX/XXXX- Credited to Payee XX/XX/2018.
01/03/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 316XX	Web	Older American
On XX/XX/2016 I paid a mortgage in full that was serviced by DiTech Financial LLC. I subsequently received a letter from them acknowledging the payoff and advising me that Georgia statute 44-14-3 requires a lender to file a satisfaction of debt document with the county in which the mortgage was recorded within 60 days of payment. Violation of this statute gives the borrower the right to demand payment of {$500.00} in writing from the lender. On XX/XX/2016, I received a satisfaction of debt document that was recorded in the WRONG county, thus the property records of the county where the property is located and the original mortgage instrument was filed was not completed as required by Georgia statutes within the 60 day period. By Georgia statute, the debt was still showing as being outstanding more than 60 days from date of payoff. I wrote the demand for payment letter as required by Georgia statutes on XX/XX/2016 and explained the error made by DiTech to them with the response that they believe they have complied with the law when they clearly have not.
02/08/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91304	Web
Ditech company is not willing to remove PMI, our property value base on the last broker price opinion that was ordered by ditech in order to remove the pmi Came out to {$660000.00} and our loan remaining is {$490000.00}, that makes our equity well over 20 % that is necessary for pmi removal, we also never missed a payment and always been on time, been contacting ditech and they not willing to remove the pmi just because they just bought the loan from my Previous loan provider XXXX XXXX please help me even that our payment history is perfect and our home price been valued sufficient, please contact me for extra Evidence that this company is abusing and not playing by book. I have attached the denial letter with reason that home value has decreased while in the same report from ditech broker price options shows the price increased significantly, please see both attachments, so far I called over a dozen time to ditech and emailed them many time and send many letter but each time they respond with unreasonable answers to avoid removing the pmi. Please help
04/07/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	MS 39466	Web
Our loan was sold to everhome. Fines for online or phone payments added to " fees '' instead of debit from Bank account. Snowballed amount. Payments would be sent a month early but somehow would n't post until after the grace period, late charge. Note went up. Sold to Greentree, had fines attached, note went up more. Now sold to ditech, note {$400.00} more than original fixed rate loan, had thousands of fees. Was told not to make payment for XX/XX/XXXX and XX/XX/XXXX to qualify for trial loan modification. Made the 3 trial payments, was told papers had to be in XXXX XXXX, on XXXX XXXX I received the package, with someone else 's modification paperwork. Called, spoke to XXXX people, no answers, emailed account manager, no answer, typed letter and enclosed with wrong paperwork requesting my paperwork. A month later, all I 've received is a visit because I 'm " in default '' and multiple calls where I ca n't get answers. Please help! It 's a va loan, the modification payment is our original payment, it 's doable. If we could just get the correct paperwork!
03/20/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 43214	Web
Last year my original lender sold my mortgage to Ditech.com. At that point the existing property taxes and insurance had been paid. From that point on my property taxes did not get paid. I notified Ditech that no taxes had been paid, but nothing was done until I wrote a formal letter. When they did finally pay them, they performed an 'escrow analysis ' that passed on the cost of the fees and interest charged by the county, and increased my mortgage payment $ XXXX/month. I spoke to my county treasurer 's office and they told me that what Ditech was doing was totally unethical - that my loan was up for lien last XX/XX/XXXX and I was just lucky that it was n't purchased. Also, as I understand the law, Ditech is responsible for any fees and interest charged due to their mistake. Through research I 've been doing online, I have found that this is a regular pattern of behavior for Ditech, and that this was no mistake at all, but seems to be a standard practice that is happening on a much broader scale. If they are doing this on a larger scale, that is fraud.
04/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85641	Web
Ditech is not applying my loan payments to my loan. A representative told me that they changed databases, and therefore changed account numbers on mortgage loans, then did not apply payments to the new account numbers, then charged late fees and started collection calls for the payments that they did not apply. They have not sent me a current month statement. I have bank verification that I electronically paid. I have a video recording of the representative from Ditech telling about the database problem, how the Ditech employees could not access any information from XX/XX/2016-XX/XX/2016, no statements were sent out, and telling me I need to submit proof of payment. Also I have a recording from a bank representative from my bank that reported he has taken XXXX or so call in the last two months from Ditech/GreenTree and other mortgage companies with the same issue. This mortgage started as a XXXX XXXX, was bought by XXXX XXXX XXXX, then bought by Green Tree, and is now in the hands of Ditech. I am current on my payments on my end ( my bank verified ).
05/08/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60639	Web	Older American
I am in desperate need of assistance. I submitted a modification packet t o Ditech s ince XX/XX/2016 . However they keep prolonging my case making me fall further behind. By doing that my documents got expire, had to re-summit everything again. I have tried to work wit h Ditech but nothing is been done. I have provided more than twice all my documents to Ditech. today I spoke with my assign specialist XXXX XXXX XXXX XXXX he told me there were no new notes, from the escalation that was submitted. At this point I am more than sure tha t Ditech is practicing fraudulent and deceptive practices in order to prolong my case and to deny me any assistance. I am tired of Ditech taking advantage of me because I am a elderly person. Ditech is aware that my intentions are to keep my house with an affordable mortgage payment. I am in desperate need of assistance. I have cut lots of unnecessary expenses to make sure I can be provided a modification. At this point I believe Ditech wants to foreclose my home instead of offering me a modification.
08/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 787XX	Web
Ditech purchased our loan XXXX XXXX. All our payments have been timely and correct until XXXX error on our part in XXXX XXXX ( reversed XXXX digits in payment for XXXX, having paid {$2300.00} instead of {$2800.00} ), which we corrected in XXXX, paying the shortfall. Ditech has continued making errors and are grossly negligent and fraudulent in allocating our payments since that time. They now show we are 3 months behind when we have paid in full. We have communicated with them since XXXX/XXXX/XXXX with XXXX email message, XXXX phone call conversations and a written letter over the past 56 days and still have no resolution. We are appalled at the negligent handling of customer service issues by Ditech. We are concerned that their continued incompetent handling of their errors will affect our credit score and that Ditech will attempt to foreclose on our home based on their incorrect accounting of our payments. Please assist us in resolving this fiasco with Ditech. We have paid in full through XXXX XXXX ( XXXX payment being processed XXXX/XXXX/XXXX ).
09/30/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NE 68022	Web
I have a home loan with XXXX and Ditech Financial, LLC is the loan servicer. I had an insurance claim on the home and Ditech is holding the insurance funds. XX/XX/XXXX I submitted and Ditech approved roofing repairs to my home. The total cost of repairs was {$8600.00}. Ditech issued half payment ( {$4300.00} ) up front. The repairs were completed and now Ditech refuses to issue the full second half payment. Ditech did issue {$1600.00} in payment. They are currently refusing to release {$2600.00} in funds currently held in escrow to pay for the roofing repairs. At the time the second payment was issued, no explanation was provided. Communication from Ditech is non-existent even though I have repeatedly advised the company to contact me by email or telephone if there is a problem with my claim. As it stands right now, I am personally liable to pay the bill for the roofing claim even though Ditech is holding {$2600.00} in funds to cover this work. Ditech has no dispute resolution procedures and refuses to allow me to speak with at supervisor or manager.
10/05/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO XXXXX	Web
I do n't remember specific dates, but I 've requested twice to have them change one of my security questions : " Where were you when you first heard about XX/XX/XXXX? '' Of course I remember where I was, but I ca n't remember exactly what I put and as the question requires an exact answer, I ca n't get it. This is a frustration for me and there have been times that I was blocked from logging in. When I have previously requested a new question, I never heard anything from Ditech. This is also just another example of Ditech 's complete unwillingness to treat its customers like people. I did not sign a mortgage with them, it was bought by them. I would NEVER willingly sign to have Ditech as a mortgagor. In fact, they are so horrible that if I ever take out another mortgage, I will have a clause written in that forbids Ditech or any subsidiary or such from ever buying my loan. This mortgage was bought by Greentree which later changed its name to Ditech, probably because Greentree had accumulated thousands of negative reviews. Ditech is on the same path.
04/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WY 824XX	Web
I would urge everyone to contact the Consumer Financial Protection Bureau and file a complaint against Ditech. This company and the Federal Trade Commission were able to levy a fine on Green Tree for XXXX dollars for mortgage failure. Ditech is just a reorganization of that old company. I have already filed several complaints against them. I was up to date with my mortgage until I paid early, now I am behind and facing foreclosure. They have not applied all funds to my account, and they have not credited my account for the actual amount that I paid. I suspect that they have altered my billing history, but I have no way to prove this. If everyone holds this company accountable, we can get our money back and our mortgage back on track. Go to this website http : //www.consumerfinance.gov/ and file a complaint today. I am going to sue Ditech if they do n't correct their accounting errors. There are also several class actions out there, XXXX for foreclosure after paying early and XXXX for Ditech giving insurance companies kickbacks. Good luck everyone.
02/05/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	GA 303XX	Web	Older American
In XXXX XXXX I applied with Ditech to refinance my mortgage. On XXXX XXXX, XXXX I received a Statement of Credit Denial in the mail. The given reasons for denial are as follows : 1. Unable to verify employment. ( I am self-employed, and was never asked to verify my employment ) 2.Unable to verify customers identity. ( I have had my mortgage with Ditech/XXXX for 15years and they do n't know who I am? I was never asked for drivers license, passport etc. I have had many mortgages and have never been asked to verify my identity. 3. Insufficient Data property type. ( they have had this mortgage for 15 years. What kind of data do they not have on a mortgage that is 15 years old??? 4. Requested Credit is listed as " XXXX '' with no commas, no dollar sign. ( The original amount of the mortgage was {$160000.00}. My current mortgage balance is {$120000.00}. I only requested a no-cash-out refinance to reduce my monthly payment. I have not had any late payments on any of my accounts in the past 3 years. I feel that my application was denied with prejudice.
05/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 95827	Web
I requested a loan modification from Green Tree XXXX GT ), which was processed in 2014. As a result, my interest was lowered, which helped a lot. But for some reason, GT increased my principle on XXXX XXXX, 2014 by XXXX amounts, {$8900.00} and {$1800.00}, a total of {$10000.00} XXXX Attachment XXXX ). I requested an explanation and GT sent some accounting statement which did not make sense to either myself or my modification officer. After numerous calls, GT is not giving any good explanation to those amounts. XXXX explanation I heard was my unpaid mortgage ( I believe I missed three months of {$1600.00} and the other three months were trial payments ( Attachment XXXX ( a, b, c, d ) ). This explanation does not make sense : a ) the amount unpaid is less than half the amount which was added to the principle ; b XXXX part of any mortgage payment is to payoff the principle, why would that also be added to the principle ( instead of reducing it ) ; c XXXX is it even legal to do so? I also had no lapse in property insurance coverage ( Attachment XXXX ).
05/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77379	Web
Ditech was contacted by phone to start the process of releasing escrow management to me the borrower. There was an extended hold time ( about 30 minutes ) and once connected the agent gave a facsimile number to send a request. That task was performed that afternoon ( XX/XX/2019 ). I received no response to the sent facsimile after about a month so I called again. After another long hold time I confirmed the facsimile information and resent the request on XX/XX/2019. Again I received no response from Ditech. After another several weeks I called again. Again another 20-30 minute hold time ( is this a discouragement tactic? ) I spoke to another representative and was this time given a web address to upload my request. This is the same request I have made in the previous attempts. This information was uploaded to that site on XX/XX/2019. I still have yet to receive a reply from Ditech regarding this matter. I do still receive my mortgage statements, however. I should note that I am not deliquent ( nor ever have been ) and have a LTV of about 15 %.
09/11/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PA 162XX	Web
XX/XX/2018 - Sent divorce decree awarding me the property and deed as recorded in courthouse. XX/XX/2018 - Paid my mortgage in full XX/XX/2018 - Bank sent escrow overage in the names of me and my ex-husband XX/XX/2018 - Spoke with XXXX and told her the problem XX/XX/2018 - emailed information regarding property to XXXX XX/XX/2018 - faxed same documents to where I was directed at XXXX XX/XX/2018 - mailed same documents to Ditech, LLC, Attn. : correspondence, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/2018 - I received a letter saying their " research has not concluded. '' and of their " ongoing investigation. '' I've called several times to no avail. XXXX XXXX - Spoke to XXXX. She said she would escalate XXXX - XXXX. - Spoke to XXXX. Said he would escalate XXXX - Spoke to XXXX who is going to escalate. They offered to direct deposit into my account if I would give them my account number and routing number. I don't trust them to do that. I asked that they overnight a check. Refused. I asked for a manager. They said none are available. Help, please.
01/13/2017	Yes	Mortgage Other mortgage	Settlement process and costs	OR 97471	Web
I applied for a loan modification through Ditech XX/XX/XXXX and was told that it was approved XX/XX/XXXX I then started making the trial payments. I was told to expect the final contract papers XX/XX/XXXX. I have not yet received any paperwork to finalize the modification. Ditech has been reporting my mortgage payments in default since early last year. They have said that they are having a " system error '' and the system is not updating the modifications as it should so they are unable to even manually generate modification documents. Their rep says that she has been complaining but it is not getting fixed. Recently my car died and I had a huge amount of trouble securing financing due to the dings on my credit report and subsequently have not been given a good interest rate for the life of this loan which has cost me money. I have kept up the trial payments through XX/XX/XXXX, but would like this issue resolved and the modification made permanent and my credit report corrected. I have escalated it to HAMP, but still have got nowhere with Ditech.
04/30/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA XXXXX	Web	Older American
DiTech, a " XXXX XXXX '' became the successor in interest to Greentree ( which had purchased our mortgage loan from XXXX XXXX I believe it was ). Around XXXX XXXX we received our annual escrow statement showing a large positive escrow balance accompanied by a " Shortage Adjustment Notification '' proposing a {$64.00} per month increase in the escrow portion of our monthly payment, accompanied by a footnote that the information provided did not require any action on our part. I took no action because I could not determine how they calculated a shortage. The XX/XX/XXXX Payment went with the standard payment - the pre-shortage notification payment and DiTech lowered the boom. It did not credit me with the XX/XX/XXXX payment at all, but deposited it to a suspense account ( whatever that is ), imposed a late fee of {$120.00} because the XX/XX/XXXX payment " had not been made '' ( on the escrow shortfall of {$62.00} ), claimed we were a month in arrears on our mortgage and will undoubtedly up the late fees and charges when I refuse to pay the late fee.
12/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 97006	Web
DiTech Financial LLC, opened an Escrow account nearly a year into servicing my loan ( which was never requested at the time the loan was originated ) for our Property & Casualty Insurance we pay in full. As a result, I had to call them and pay the balance down to XXXX, then was told I had to submit in writing a request to close this account. Again an account I never opened, but now I had to go through extra work. Furthermore, two months after I assumed this had been resolved, I was sent paperwork saying that I would be hit with a late payment because they did not understand what to do with the funds we sent from our insurance company to close the Escrow account they opened. This has caused me to spend several hours calling DiTech, and the complete inconsistency of " customer service '' has caused me to waste time, was charged late fees when I 'm working to get corrected and may have impacted my credit because they ( DiTech ) did not apply my payment properly in their system. We are presently refinancing and can not wait to get away from them!!
05/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	ID 834XX	Web
Ditech Mortgage sent a statement to me that said my escrow was in the negative by XXXX some odd dollars and I could pay that amount or have a XXXX plus charge monthly on my payment. I payed the escrow instead of having an added charge to my mortgage. I then received my next bill and they had added the charge and incorrectly posted the XXXX to the principal. I was told I had to email the info and it would be taken care of it was not. My next statement had the XXXX plus dollars added, I called and explained the person said it had not been resolved at the time but it should be by the time my next payment was due and I asked if they were going to reimburse the overage and she said no that it would not be reimbursed because it was a correct charge for the time even though I had paid the escrow months before. I asked to speak to a manager and she said they were backed up. This is a scam to collect more money. I understand that it is not a large amount of money but if you nickle and dime enough people you stand to make a killing. This can not be legal.
11/16/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MI 48221	Web
I had a personal load with XXXX with a equity load and XXXX they sold myloan Green tree and XX/XX/XXXX my house went in foreclosure and the sheriff sale. I was evict from the house XX/XX/XXXX and have not lived in the house since then XXXX sold the loan to Green Tree. I was still trying to pay the loan and was told that once the house went in foreclosure I was no longer responsible for the loan I told this to Green Tree that I was no longer going to pay for the loan on a house that I no longer own, the house was sold XX/XX/XXXX They call me everyday of the in the morning in the evening all time of the all threatening me to pay they or move from the house I no longer own the house in question is XXXX XXXX in XXXX Michigan XXXX. They would call on different number and are still call me today. now they have this companyDitech sending me bill and increase the amount of the loanI would like them to stop sending me bill and would like the money I paid to them return to me. I can mail the letters to you if need in you need the account number it is XXXX
08/22/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	AL 36532	Web
My mortgage was bought out while I was in a mortgage reduction I obtained after filing chapter XXXX bankruptcy, We were with XXXX XXXX XXXX at that time. Our mortgage has been sold or transferred 4 times. Ditech mortgage obtained us at the end of the bankruptcy and mortgage reduction. We have paid out payments on time ever since we got the reduction. Well our bankruptcy discharged XXXX/XXXX/15 and they have not released us. I can not view or get any information from them concerning payment history, payoff, general info. I have spoke with them on numerous occasions, twice a week for a year, they have not taken any action. When I call, I am on hold over an hour just to speak to anyone. They told me the audit was complete and they were waiting for a super to sign off the last 6 times I called. I ask to speak with a supervisor, none could speak to me. I have wrote emails also, no action. I am now refinancing with XXXX, all is approved, but we need payoff letter, no response to XXXX or myself for 2 weeks, and I 'm about to lose my rate. Please help!
06/29/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33015	Web
The parties entered into a HAMP permanent loan modification agreement onXX/XX/XXXX, which expressly provided that the modified principal balance included all amounts, including escrows, that were past due. The loan documents confirm that any past due real estate taxes would be added to the mortgage loan balance. For reasons the servicer refuses to explain, theXX/XX/XXXX real estate taxes where not paid until XX/XX/XXXX The servicers untimely payment of the real estate taxes breached the terms of the loan modification agreement which required that all past due amounts be capitalized. This also caused an escrow shortage which caused my mortgage payment to rise to an unaffordable level. In an attempt to resolve this matter, the parties have engaged in extensive written correspondence as follows XX/XX/XXXX ( borrower )XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender )XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX( borrower ) A copy of the correspondence is being uploaded.
04/07/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	AZ 85048	Web	Servicemember
I lived in my home for 16 years. I got a divorce and the court ordered the home to be sold and the equity to be split. We had about 300K in equity we only owed XXXX on the home. My ex wife camped out in the house ( I was living in my car waiting for her to sell the house because she got a restraining order against me ) She stayed in the house for over a year and never made a single payment on the house. The bank finally foreclosed on the house. I was in constant contact with the bank and even offered to pay the balance off as soon as they can get her out. Well that ruined my credit like she wanted. I have always prided myself on my good credit and have taught my children the importance of good credit. Now that I have somewhat fixed my credit the derogatory from the bank is keeping me from moving on and getting a new home. I would ask the bank to please look back at all the notes to see that this was not my fault and please show some compassion and remove it from my credit so I can move on. It is scheduled to stay on my report till XX/XX/2022.
08/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43054	Web
We received a letter dated XXXX XXXX, 2015 from the XXXX County Treasurer stating that our current taxes on parcel XXXX had not been paid. The letter stated that fees and penalties had been applied and if payment was not made by XXXX XXXX, 2015 our names would become public notice for delinquent tax payments and further sanctions would occur. We contacted Green Tree Servicing company which is handling is now servicing our mortgage on XXXX XXXX, 2015. We explained the letter and made mention that our XXXX statement reflected a notice that County Taxes were distributed XXXX XXXX, 2015. The customer service representative confirmed that distribution date and stated it would take TWO weeks for someone in the tax department to review and respond and that would be on XXXX XXXX. We followed up with XXXX subsequent phone calls on XXXX XXXX and XXXX XXXX, 2015. We were told today that there had been no resolution and it would now be escalated to a Supervisor and we can call back on Friday, XXXX XXXX for a status. This is not acceptable by any means!!!
05/21/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32304	Web	Older American
i was living in a mobile home and my mortgage was with Greentree. I had fallen very ill and was unable to pay and fell behind in my payments. I lived there for many years and asked them to work with me on it, but they would not. Everyday they would call, with nasty phone calls in a threatening manner. First a man called, then he would hang up, then this was followed by a lady. It was constant around the clock. They said that I was to pack my belongings because they could come out and change the locks. I got really very scared and upset so I felt that I had to leave.They were very verbally abusive on the phone I had a lawyer write them a letter, and all correspondence was to go to him. His name is XXXX XXXX phone no.XXXX. Greentree made my life miserable with their harrassment. I got so sick and nervous over this, and felt that I had no choice but to leave. because of fear of them coming to the house and locking me out and they would let my dog loose. I left in such a hurry to go to my daughters that I left alot of personal items at the house.
10/19/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 334XX	Web
Since XXXX, I 've been attempting to get Ditech to correct my escrow charges to no avail. I have XXXX Ditech mortgages. Both loans had " lender-placed insurance '' which was canceled per Ditech 's own written correspondence on XXXX/XXXX/2016. However, I continue to be charged escrow for " insurance '' every month since then. ( My loans do NOT escrow for taxes or insurance. There were forced-placed insurance charges earlier in the year due to my condo association losing their coverage temporarily. ) I need my monthly payments to be adjusted to remove the escrow charges, as well as a refund for escrow payments already made. I have emailed Ditech numerous times ; I have spoken to countless representatives that keep reassuring me the escrow issue will be resolved shortly. I 've left several messages on the voicemails of supervisors ( including XXXX XXXX ) -- and have never received a call back. Over three months later, nothing has been resolved. I continue to make the full payments ( including the erroneous escrow charges ) to avoid late fees.
07/22/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 320XX	Web
In XXXX of 2018, a XXXX XXXX payment was sent to Ditech Financial Services to catch up the mortgage on the house I am currently staying in. From that point, the normal monthly payment was sent in XXXX. I called to set up for automatic payments to be set up in order to keep the account current so that there would no longer be a payment issue. When I was on the phone with the customer service representative, they representative informed me that the company denied taking any form of payment and would not work with me on making the account current unless I paid for their lawyer fees. I was then told that my money was sent back to me via XXXX XXXX. The money was never returned to me and I went to seek legal counsel. The lawyer advised me not to pay Ditech Financial any more money due to them refusing any form of payment. I have tried to make the account current and I have also tried to guarantee payment through automatic bill pay. The company has refused to work with me and has now decided to foreclose on my home without trying to work with me.
05/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 184XX	Web
in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company XXXX XXXX XXXX.
03/25/2017	Yes	Mortgage Other mortgage	Credit decision / Underwriting	NC 27886	Web
Attempt to transfer a credit mortgage to me without consent : The following issue paid and closed around XXXX at time of XXXX contract was signed by me XXXX initial opening in XXXX. Same was after around 11 years of payments was repossessed / by Greentree for missing a few payments remaining on the total sale to have the trailer, I lost my job and was unable to meet the payments and didnt have any finical recourse at the time, later greentree submitted garnishment of taxes, to the state, til the bill was paid and later sent me a statement of it having been paid in the mail, it was purchased by someone else and rented out for a number of years up til present XXXX began getting a notice from Ditech, along with a list of theft use on my credit of party 's trying to obtain mortgages using my identity without my consent. The Greentree company location was burned and this is someone with a confused issue. Any recent matters are identity theft, trying to use my credit at this location. Property does not belong to me and should not be in my name.
01/04/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NJ 07860	Web
Ditech processed my mortgage payment on XXXX. My automatic-payment agreement clearly says that the money is not to come out until XX/XX/XXXX. That was the date I chose. This is the second time they have done this, and I did file a complaint. But Ditech said they did nothing wrong. I wish to mail a copy of my overdrawn alert from the first time and a copy of my online banking statement and a copy of the auto-payment agreement, so you can clearly see they have done this again. What good is an agreement where I have chosen the date for withdrawal if they randomly take out money from my account. The first time they did this I was over-drawn {$1900.00} and could n't pay for groceries. This time I was shopping for a new washer and dryer and all I had left in my account after they put a hold on the money was {$400.00}. Their agreement clearly states that the money will come out on XX/XX/XXXX and if XX/XX/XXXX falls on a holiday then it will be the next business day. I have the money in my savings and I transfer it over on XX/XX/XXXX to be ready.
02/06/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91724	Web
ditech - the company we had and currently have our mortgage with is unfairly holding escrow dollars. We initiated a cash-out refi with ditech. So we had our mortgage with ditech. We did a refi with ditech. The refi funded XXXX XXXX ditech is refusing to refund us the balance from the old loan escrow account. The customer service folks tell me the " rule '' is that they hold the balance for 30 days prior to refunding. That's ( in my opinion ) unfair and just not right. Remember, this old loan was paid off by THEM. How can they not clear their own books when they paid off the loan. There is no other financial entity involved, no checks or wires from other companies to wait on. In the new loan they required us to fully fund the current taxes due and a surplus. So if they are doing the math correctly they have plenty of money for current taxes and a surplus. There is just no justifying sitting on our refund. If I don't make my payment on time, they charge me a {$44.00} late fee. Why shouldn't they do the same when the money is due to me?
06/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94561	Web
Ditech mortgage company failed to get in contacted and in writing with XXXX and XXXX XXXX regarding mortgage payment changing. XXXX and I learned on XXXX XXXX,2017, that we were in a debt collection due to tax impound changes these changes happened on XXXX XXXX 2017. On XXXX XXXX2017 XXXX stated from ditech that they assumed that they were in contact with XXXX XXXX on XXXX XXXX, 2017, but apparently they were speaking to our bankruptcy attorney regarding our changes. I XXXX and XXXX XXXX have paid our mortgage thru our checking account bill pay this entire time because I could not pay them thru there web site due to to our Chapter XXXX again Ditech never send us correspondence nor did Ditech leave any messages regarding these changes to our mortgage account. I sent a certified letter to Ditech on XXXX XXXX,2017 which they received the letter on XXXX XXXX,2017 with our concerns on how we wanted our credit to be back on good standing with all three credit bureaus and that all late charges be reverse due to poor communication. Best Regards
02/13/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	IL 60102	Web
Ditech has increased my mortgage payment consecutively each year citing escrow shortage. Although my liabilities did not increase this year they have now added an additional {$75.00} to my monthly payment. My current escrow balance has {$770.00} in it. Over the course of this next 12 months my liabilities will total {$4300.00}. They collect {$360.00} each month in escrow. I will pay {$4300.00} over the next 12 months to escrow. Adding that {$4300.00} to my current balance of {$770.00} the total in escrow will equal {$5100.00}. That is way over the cushion they claim to have. This company is constantly trying to overcharge customers in fees and escrow. I would like them held accountable for their bad business practices. I would like my payment to accurately reflect the cushion they claim exists. Their cushion is listed as {$480.00}. If they were calculating correctly using this cushion and my current escrow balance, my monthly escrow charge should be only {$290.00}. Not the {$360.00} they 're currently charging. I 'm currently overpaying.
01/17/2017	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TX 76401	Web
Our mortgage is with Ditech Financial. Our house recently flooded and my mortgage company will not release the insurance money for us to make repairs. Per their requests, we have sent a substitute XXXX for tax purposes, an estimate of repairs along with the adjuster 's estimate and an inspection form. Every time I call to see where the money is, I am told they need more information and then told to wait another 2-4 weeks for processing. I asked for a phone number to file a complaint and was told that they do not have a complaint number. I was told I could leave a message on the supervisor 's voicemail if I wanted to make a complaint. This has been going on for 3 months and they have yet to release any funds. I would like to file a complaint, and would like to have 50 % of the funds released to make the necessary repairs to my house. I would like for Ditech to be held accountable for their actions. Every time I call, I have to speak to another person and they tell me the person before gave me misinformation. I see no resolution in sight.
08/06/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 44224	Web
XX/XX/XXXX, we submitted a loan modification to ditech only to get the run around for a year, I would call a least 6 times a month to get any updates, I was always told my modification was under review and or they need more information which I did provide. in XX/XX/XXXX I was told to resubmit a new modification which I did, how ever before I faxed the information I recieved a letter from them saying our modification was in review. Again I called every week to get the same answers it's under review. Finally in XX/XX/XXXX I received a denial letter. I called them and was told to do another modification because they where using out dated information, so I did only to find out they never did anything with my new information .Again was told to resubmit a modification in XX/XX/XXXX. I did again. I feel we are getting the short end of the stick with them .ditech send a reinstatement letter which I asked for on XX/XX/XXXX only to receive it on XX/XX/XXXX which only gave me 15 days. I need help with this. I have all documents that support this.
08/14/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21207	Web	Older American
Ditech Morg. company sent me my payment of {$1700.00} TAX CREDIT CHECK back in XX/XX/XXXX. I never received it. And they claimed that I received and cashed the heck that I never received. I did all of the research, and check with the bank that they said it was cashed at, bank of XXXX XXXX XXXX XXXX. They confirm that no check was never ever cashed there by me or that Amount. As per XXXX XXXX the bank manager. After checking the copy of the returned. There separate check, the one with my sign. was from the previous year check for {$1000.00}. that did receive a year ago.XX/XX/XXXX. I never received the XXXX check for {$1700.00}. Please see the attached police report, I contacted DLLR -Dept of Labor, Licensing and Regulation XXXX XXXX XXXX & XXXX XXXX XXXX Who told me to contact your office. SUDDLEY, DITECH HAVE CLOSE THE CASE AND DID NOT OPEN THE RESEARCH AT XXXX XXXX XX/XX/XXXX XXXX XXXX ACCORDING TO XXXX XXXX THE BANK MANGER. CLOSED UP THAT LOCATION AND TRANFER THE NAME ON MY ACCOUNT WITH OUT TELL ING DLLR. I STILL DO NOT HAVE MY CHECK
10/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 145XX	Web
My mortgage company ( Ditech ) did not pay my homeowner 's insurance policy and as a result my insurance was dropped. I was not informed of this for months and was given lender-placed insurance to fill the gap. The lender-placed insurance was much more expensive than my previous policy, and of course is a stripped down policy. As a result of my homes mountain location, it has become difficult to insure and my previous insurance company could not give me my old policy back. I was grandfathered in on my insurance and after Ditech caused me to be dropped I was stuck without insurance and had extreme difficulty finding anyone that would consider insuring me. I am now getting closer to finalizing a new policy with a new company but Ditech wants to charge me more for their lender placed policy even though I was placed on this policy solely because of their neglect and inaction to pay my insurance company. It was their problem and they want me to pay to fix it, even after causing me to lose my solid insurance policy that I can never get back.
06/29/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	WI 535XX	Web
I sold my house on XXXX/XXXX/XXXX I was to receive my overage of my escrow of about {$2700.00}. My mortgage company was Ditech Financial LLC. XXXX XXXX, XXXX XXXX, SD XXXX, XXXX, fax # XXXX. I have been contacting them for months trying to get them to release my money. Each time I call I 'm told that I should receive my check within the next 10 days. After the 10 days no check ... .. Last week I believe on XXXX XXXX or so I called again.This time they asked a manager to help. The manager asked for my routing # and account # that they would wire me the money by the end-of-the-day. NO MONEY AGAIN. I then called them the next morning asking why they did not wire my money. I was told to leave a message for the manager. At that time I stated that if I did not receive my money by the end of business that day I would be filing a complaint. As of today I still do n't have my money ... ... I have given this company my up dated address a few times and my checking account information.I sold this house XXXX/XXXX/XXXX and today is XXXX XXXX, XXXX
06/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 337XX	Web
Made Billpay payment on time XXXX/XXXX/16. Online at Ditech my account shows this payment was received on XXXX/XXXX/16. Harassing phone calls started on XXXX/XXXX/16, though this payment had been paid. Ditech claims it was returned and they could not tell me why. My bank says it was not, and further that an electronic payment COULD NOT be returned. My bank faxed this to Ditech. After a week Ditech still could not find the fax though i have proof it was received. Faxed it again. Ditech continued harrassing phone calls every other day, very long calls where they spoke to me as if it was the first time we 'd talked, even though I was contesting this amount and had proven it was paid, and was waiting for them to find the fax. On XXXX Ditech acknowledged that they found the money, the matter was resolved, and they would credit back to me the {$190.00} (!! ) in late fees they had charged. They still have not done this, and the harrassing calls continue. I called today and could not reach anything but a voicemail and have had no return call.
07/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	DE 19720	Web
Greentree is illegally boosting my balance to collect more money on a collection than I owe. I have attached XXXX copies of my credit file page showing Greentree 's loan. In XX/XX/XXXX they showed a XXXX balance but listed that it was transferred to another lender. In XX/XX/XXXX they showed the balance of {$210.00}. When I called to pay this amount, they jacked up what they said I owed to {$810.00}. The Fair Credit Reporting Act provides that a creditor must report accurate data to the credit bureaus or remove the account. Sec. 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. If the {$810.00} is a correct balance, then Greentree committed willful negligence when it reported {$210.00} to the credit bureaus on XX/XX/XXXX. Regardless ... boosting a balance from {$210.00} to {$810.00} in 30 days is illegal and unethical
09/14/2017	Yes	Mortgage Other type of mortgage	Incorrect information on your report Information belongs to someone else	GA 310XX	Web
My divorce was finalized XX/XX/XXXX, Superior Court ordered me to relinquish any ownership of Home to ex-wife who was ordered to take ownership of taxes, mortgage, deed. Wife left mortgage in my name and proceeded with Modification of the mortgage with XXXX XXXX XXXX and Ditech Mortgage. Both entities used my financial and personal information to refinance debt that was her responsibility without any notification to me that this occured. My credit has now been and will be damaged for 40 years ( term of new loans that are 1st and 2nd loans ). My name is on both loans even though I had no right to title or ownership per the court. I will never be able to qualify for any considerable credit, especially a mortgage loan, as this process occurred without my knowledge and without my signature. Transactions occurred from the best of my knowledge in XX/XX/XXXX-XX/XX/XXXX. My credit shows 1st mortgage was closed with no reason given, but also shows 1st and 2nd mortgages still in my name with new terms that were agreed to without my knowledge.
09/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 183XX	Web
i have a mortgage loan with ditech, they owe me {$160.00} for an escrow account overage. it was to be mailed to me by XX/XX/2016. i have received no refund check. the " customer service '' rep was unable to provide any answers. Also during this call i found out that ditech has been stealing the extra money i have been paying towards my principal balance since at least XX/XX/XXXX, under the shroud of " administrative fees ''. again the customer service rep was unable to provide any reason for this. i have never been late or missed a payment ever! i am assuming this is a result of my complaint from XX/XX/XXXX when i had the nerve to complain and ask that my payments to ditech be applied to my account as i 've paid them ( i.e time, account, and amount ). i can prove i have never been late or missed a payment, ditech can not do the same, as per your " customer service '' rep. I demand every penny plus interest to be refunded to my account and this lie of administrative fees, or backed owed money to be removed from my account immediately
08/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 10990	Web
It is with great desperation that I ask my file be review. I have received notice from Ditech servicing co. that my property will be sold XXXX/XXXX/XXXX. I have applied for a loan modification due to the fact that I lost my job with XXXX after 24 years.. I have collected unemployment and have not found a job as of yet. My struggle began about XXXX XXXX when a package was offered to me. While I did received a separation package with extended health benefits having to support a family of XXXX and a sick wife. I must tell you that I have depleted it and have began to use credit cards. My cash reserve including all liquid assets has been completely spent trying to hold on to the house, living expenses etc. I have now began to use my son 's savings account. Your assistance in this matter is greatly appreciated. I want to maintain my home. I have XXXX children. This is my only shelter. I am sure I will soon hope to have a job. Please help me keep my home. I was told that Ditech can help me through the " UP '' program This is a hard fall.
06/07/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34769	Web
HelloI have a XXXX mortgage on my home and Green Tree Servicing is the servicing company. It has been a very trying experience from the very start. I requested a XXXX mortgage modification and I was told " we do n't do that '', then they modified it " temporarily ''. I was told that they do n't reduce the principal on XXXX mortgages at all, even thought they are listed on the HAMP website. XXXX I have my payments automatically drafted from my bank account and keep getting letters saying there is a balance. I have never been late on any payment. I called and the representative does n't know why I am getting the letters. I am guessing they do n't process payments I sent in to go to the principal of the loan. The most troubling part is that last week I received a letter from Green Tree stating that my account was put in default and they made a mistake. I work hard to keep a good credit rating and this brought down my rating. I checked my mortgage account online and the balance is still there. Again I call them, they still have no clue.
10/03/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PA 19149	Web
I was laid off from my job, I applied for a Modification was denied and was told that I couldn't apply for an modification until XX/XX/XXXX ... Applied in XX/XX/XXXX was denied stating that I didn't make enough money, applied for an modification again in XX/XX/XXXX it was denied stating that someone in the has to be disabled, Applied for a modification again XX/XX/XXXX showing that my child was disabled and that I receive money for her disability call every week for 9 months on the status of the modification and have been getting the run around ... Last week XXXX XXXX a man was banging on my door screaming that he had legal documents to give me ... .it was documents from the courts that the mortgage company is foreclosing on my home less than two months from today. Also on the papers it stated that they filed against me on XX/XX/XXXX why did I receive the paperwork without an envelope on XX/XX/XXXX. This just can not be right. My home for XXXX years is about to be taken from under me and I just do not know what to do at this point.
06/29/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32548	Web
OnXX/XX/XXXX my mortgage company did multiple reallocations that amounted to subtracting payments totaling {$8300.00}. It resulted in adding over {$4500.00}. to principal, and almost $ 2k to escrow and interest, each. OnXX/XX/XXXX, In their detailed payment statement ( that I requested ), that amount was distributed back into my account, but it never happened. All that was shown for XX/XX/XXXX was a payment received. * I have called since XX/XX/XXXXrequesting an explanation and review, at least every other week. I have been assured of : a review, a call back within a few days and a written explanation but, have received none of these. The review of the Escrow account did finally result in a refund in that part. I have brought this information to my accountant, and we had a group discussion with the Customer Care representative, to the same end. I have turned my file over to him and my lawyer, at this time. I 'm hoping the pressure that your bureau can provide will finally get us a response. Thank you for your time and attention.
12/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NH 03867	Web	Servicemember
I called XXXX XXXX for a mortgage payoff for the property at XXXX XXXX XXXX, XXXX, NH, LOAN NUMBER XXXX. I was very firmly told to make the XXXX payment because Ditech was going to pay the real estate taxes. I told them I would wire them funds on XXXX XXXX XXXX. Their representative demanded I make the XXXX payment. It is XXXX XXXX XXXX, I do not have my escrow proceeds of {$1200.00} and I do not have my XXXX mortgage payment of {$1400.00}. XXXX XXXX did NOT pay my real estate taxes to the town of XXXX, NH. Ditech owes me {$2700.00}. I have spoken with XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and today, XXXX XXXX XXXX. XXXX XXXX maintains the United States Postal Service lost the two checks. I asked them to wire the funds and volunteered to pay the wire fee. Today XXXX XXXXXXXX said they could not wire me my money, and that they sent replacement checks on XXXX XXXX XXXX. I wired them the payoff funds per their request on XXXX XXXX XXXX. I want my money returned to me immediately.
06/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 40245	Web	Older American
Mortgage on my condo serviced by Ditech Financial LLC, XXXX SD. Phone XXXX ; however when calling that number I get a customer service center in XXXX TX. Sold and closed on condo on XXXX XXXX. Ditech claims they mailed me a check for the balance of my excrow account in the amount of {$650.00}. Check did not arrive. Told there would be a wait until another check could be issued. Followed up and was told another check had been issued and mailed. They always tell me it will take 10 to 14 days for the check to arrive. That check did not arrive. Telephoned and insisted on talking to a supervisor. He, XXXX, told me that they are having system problem and although system showed payments being made, in fact, they had not. Told checks will now be issued on XXXX XXXX, XXXX. He told me it would be 10 to 14 days for check to arrive!!!! His extension at the above # is XXXX. I checked with XXXX. In XXXX they settled over XXXX complaints against Ditech and over XXXX complaints in XXXX. The condo is located in XXXX IN. Address is XXXX IN XXXX
07/11/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PA 151XX	Web
2ND LIEN MORTGAGE WAS DISCHARGED AS AN UNSECURED CREDITOR IN XXXX BANKRUPTCY IN PENNSYLVANIA. MY HOMES CURRENT VALUE IS JUST ENOUGH TO COVER MY 1ST LIEN MORTGAGE. I DONT WANT TO LOSE MY HOME SO I CONTINUED MAKING THE PAYMENTS TO DITECH ON THE 2ND LIEN MORTGAGE SINCE THE MORTGAGE WAS DISCHARGED BUT NOT THE LIEN. I HAD ASKED THEM TO PLEASE LOWER MY CURRENT RATE ( 14.50 % ) SO MY PAYMENT WOULD NOT BE SO LARGE. THEY SAID THEY COULD NOT MODIFY MY MORTGAGE LOAN BECAUSE THE DEBT WAS DISCHARGED. SINCE XXXX AFTER THE MORTGAGE LOAN WAS DISCHARGED I HAVE PAID {$29000.00} TO INTEREST AND {$3700.00} TO PRINCIPAL. THE PRINCIPAL BALANCE IS STILL {$29000.00}. KNOWING THE DEBT WAS DISCHARGED I FEEL THEY COULD HAVE ASSISTED ME BY LOWERING THE INTEREST RATE OR WAIVING ALL LOAN INTEREST. IF I DO N'T CONTINUE PAYING THE DEBT THEY CAN START THE FORCLOSURE PROCESS EVEN THOUGH THERE IS A 1ST LIEN HOLDER. I WROTE ANOTHER LETTER ON XX/XX/XXXX ASKING FOR A SETTLEMENT OFFER TO REMOVE THE LIEN. STILL NO ANSWER. CAN YOU PLEASE HELP ME WITH THIS SITUATION?