Ditech Financial LLC

2017-09-16

Ardmore, MD

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-09-16

Las Vegas, NV

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-16

Lannon, WI

Problem with a credit reporting company's investigation into an existing problem

Mortgage: Conventional home mortgage

Complaint: My mortgage does not show on my credit report and they are not reporting my payment history. Have perfect payment history for 17 years. Ditech has my mortgage loan.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-15

Fort Lauderdale, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-09-15

Kissimmee, FL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-15

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-15

Walnut Creek, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I submitted complaint number XXXX on XX/XX/XXXX. Today is XX/XX/XXXX. diTech Financial stated established a XXXX day period of time in order to allow for their response. As of today, there has been no response. To me, given their breach of loan covenants, the likelihood of XXXX XXXX XXXX being de-listed from the XXXX XXXX XXXX XXXX, and the variety of legal processes against diTech and XXXX, XXXX may no longer be considered a going concern. diTech appears to be incapable at this time to perform the tasks incidental to their business offering.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-15

Boston, MA

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: I was offerd a remodified loan. Due to the high equity in my Home, I was approved. My loan became unachievable after taxes and Hazard Ins. were added without my knowing, making my account several months past due, very shady. I agreed to the Modified trial period and made my payments on time. I recieved the Modified Loan papers in the mail with a two week deadline to sign. I noticed they added Hazardous Insurance and Taxes to my payment. After calling, I was told I did have to pay the Taxes but not the Insurance as long as I had my own policy, which I do. I tried calling and spoke with a represetative named XXXX ID # XXXX who was very rude and gave no explanation why I would have to pay them for an Insurance policy I already had. I called back and managed to be transferred to the Ins. Dept., who explained to me that not only did I not have to pay escrow for insurance but figurewd out they owed me a refund. Now, I do n't have much time to reply before this offer goes away and no where to turn.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-15

Ernul, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have a mortgage with Ditech and while I have been making payments to my loan, they have not posted my last three payments properly. The put three full monthly payments into an unapplied account and as a result, my loan appears to be past due four months. I called on XXXX XXXX, XXXX to bring this to their attention, they apologized and stated they were n't sure why it did that and promised to correct it and correct any negative credit reporting this issue had caused. Now today I look and nothing has been changed or corrected. This finance company has no right to not give me proper credit for the payments I 'm making toward my debt. Today, they tell me there is a loan modification in effect but I have not asked for one nor do I want one ; their intention to do that would be to undermine all payments and progress I 've made toward this loan over the past 12 years. I informed a representative over the phone around the XXXX or XXXX XXXX time frame that I had no intentions of modifying my loan.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-09-14

Plymouth, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My name is XXXX XXXX, I 'm a resident of XXXX XXXX, XXXX where we were effected by the Hurricane, I called Ditech Financial for a forbearance help which I believe it 's the Law and they refused to help, saying our county was not recognized as federally disaster area, Which is Totally false. Please help me as I am overwhelmed with Repaires and I could really use this forbearance help to catch up. You can contact me at XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-09-14

Vistas Del Rio Iii, PR

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-14

Key Biscayne, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-14

Allensburg, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Timely Response

2017-09-14

Bethlehem, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: File bankruptcy XXXX payments was XXXX a month stayed their until maybe XXXX XXXX. All payments went to the mortgage company I did not get credit for my payments. XXXX XXXX GEORGIA XXXX XXXX / XXXX XXXX DIVISION
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-14

Continental, AZ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-14

GA

Incorrect information on your report

Mortgage: Other type of mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-09-14

Wrentham, MA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-09-14

Gloucester City, NJ

Incorrect information on your report

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-13

FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX County Fl was declared as a Major Natural Disaster Area by FEMA due to XXXX XXXX. Source here : https : //www.fema.govXXXXXXXX Incident Period : XX/XX/XXXXMajor Disaster Declaration declared on XX/XX/XXXX XXXX XXXX states that if your home or place of employment is located in an major disaster area where individual assistance has been authorized and your loan is owned by XXXX XXXX , your lender/servicer ( the company you make your mortgage payments to ) can extend a full range of relief options, including : Forbearing on your mortgage payment for up to one year Suspending foreclosure for up to one year Waiving assessments of penalties or late fees Not reporting forbearance or delinquencies caused by the disaster to the nation 's credit bureaus. We contacted our mortgage company looking for relief as we have been displaced and incurred costs due to the hurricane as I know many other have. Ditech is not offering relief options during this time of a Federally Declared Disaster.
Company Response: Closed with explanation

Timely Response

2017-09-13

Clark, WY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-09-13

Norfolk, VA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Complaint: 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
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-09-13

Mem, TN

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2017-09-12

LA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I am XXXX y.o. and SS is my only income. I have struggled for 7 years to make my home payment. I received a notice that ditech had increased my payment, due to an escrow arrearage?? to nearly {$100.00} more a month ... .no way can I afford that since my mortgage payment is already $ 48 % of my income. I only owed about {$35000.00} since paying since XXXX. I contacted ditech for a loan modification and they approved it inXX/XX/XXXX with a reduced payment to {$550.00} with a new interest rate of 3.875 %. ( originally a VA loan at 4.5 % ). I signed and returned all their paperwork inXX/XX/XXXX ( ditech website showed {$520.00} due and I paid this in XXXX ). I paid my mortgage at their approved amount in XXXX of {$550.00} and already scheduled my XXXX payment ( electronically ) through my bank. I received an email from them today that basically read, 'we changed our mind, you house payment remains the same '.???? Is this legal after they already approved the modification? Thank you, XXXX
Company Response: Closed with explanation

Timely Response

2017-09-12

Ivalee, AL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-09-12

Wesley Chapel, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response