Ditech Financial LLC
Consumer Complaints
There are over 14647 complaints on file for Ditech Financial LLC. Dated between 2019-12-10 and 2012-03-19.
Complaints Page 100
2017-09-21
Farmville, VA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-09-21
Anaheim, CA
Closing on a mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-21
Alexandria, VA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-21
Clovis, CA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-09-21
Nyc, NY
Closing on a mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-21
Douglas, MI
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt is not yours
Complaint: We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to ditech corporations it 's now on my credit report as a tax right off need it taken off my credit report
Company Response: Closed with explanation
2017-09-21
Gloucester City, NJ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-20
Lawton, NV
Took or threatened to take negative or legal action
Debt collection: Mortgage debt
Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-20
Lynn, MA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-09-20
Weston, CT
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-09-20
FL
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation
2017-09-20
Unable to get your credit report or credit score
Mortgage: Conventional home mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-09-19
IL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-19
Orion Twp, MI
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-19
Bloomfield, NJ
Applying for a mortgage or refinancing an existing mortgage
Mortgage: FHA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-19
Weslaco, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-09-19
Covington, KY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with monetary relief
2017-09-19
Phoenix, AZ
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-19
Columbia, MD
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-09-18
CO
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-18
Alexandria, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ditech credited my account with a {$5000.00} incentive which I met the qualifications for. Ditech then withdrew the credit.I have been trying to get an explanation for over a year.I received a brief blurb from one of their office paralegals stating that everything was right. This is not acceptable. Please review the documentation. I sold the house on XXXX XXXX, 2016. I received around {$2400.00} form escrow, but believe Ditech may owe me additional funds. I have attached documents. Please review and help me receive an adequate explanation and not a vague response to an important consumer concern.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-18
Everett, WA
Struggling to pay mortgage
Mortgage: VA mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-09-18
VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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!!!!!
Company Response: Closed with explanation
2017-09-18
OH
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-09-18
Maynard, MA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation