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 106
2017-08-21
Green Mountain Falls, CO
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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}.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-21
Lenexa, KS
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-08-21
Manhattan, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-08-21
Colts Neck, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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!
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-08-20
Lawrence, NJ
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-08-20
Carpolis, PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-20
Oxford, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-08-19
Bridgeport, CT
False statements or representation
Debt collection: Mortgage debt
Attempted to collect wrong amount
Complaint: Mortgage company will not explain how a " invalid " late fee of {$54.00} can equal {$790.00} considering this is a monthly fee.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-18
Jupiter, FL
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: 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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-18
Bueche, LA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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!
Company Response: Closed with explanation
2017-08-18
VA
Communication tactics
Debt collection: Mortgage debt
Frequent or repeated calls
Complaint: ON XX/XX/2017 THEY REPEATEDLY CALLED. AT XXXX XXXX WAS FIRST THEN XXXX, XXXX, XXXX & XXXX XXXX. I 'VE TOLD THEM I WORK THE HOURS OF XXXX-XXXX AND CAN NOT TAKE THE CALLS BUT THEY CONTINUE TO CALL. THEY ALSO CALL MY MOTHER, SISTER AND FRIEND THAT I USED AS REFERENCES ON LOAN 16 YRS AGO. MY MOTHER IS XXXX YRS OLD AND THEY CALL HER BACK TO BACK AND SHE 'S TOLD THEM TO STOP AND THEY STILL CALL. THEY 'VE SHARED MY DEBT INFO WITH ALL THE PEOPLE THAT THEY CALL AS WELL. THIS IS N'T JUST TODAY. ITS EVERYDAY
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-08-18
Baltimore, MD
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2017-08-17
Charlotte, NC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-17
Olathe, KS
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ditech states I received a modification in XXXX this is not correct. I recceived a modification that started in XXXX and was completed in XXXX. Their records are not correct. But this is typical. If they were at all families with the modification process they would know mortgage modification is a long drawn out process for which XXXX XXXX XXXX would never have allowed nor is it permitted to have two modifications in a years time. It 's outside of the defined modification guidelines if Ditech knew what the protocol is for mortgage modification which they obviously do n't. I will forward the information to the Kansas Attorney General. Ditech needs to be educated on the modification guidelines.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-17
Mather, CA
Written notification about debt
Debt collection: Mortgage debt
Didn't receive notice of right to dispute
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-08-16
Jacksonville, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: A loan modification packet was submitted to your office on XX/XX/XXXX. Per your office the only document needed was a quick claim deed. Several calls were made to your office and a divorce decree was never requested by your office. Your office stated on XX/XX/XXXX. That a letter was sent to our office on XX/XX/XXXX. Your office confirmed on XX/XX/XXXX that you erroneously sent the letter to the wrong address. therefore providing no notice to the client that a divorce decree was needed. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-08-16
Boloxi, MS
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: I was trying to do a refinance using the HARP program and first I was denied and I asked them why, and they had no reason. So the agent sent it back and asked for underwriting to look at it again. After 3 weeks I received a call saying that I did not qualify because of loss mitigation. I was informed that they had a program that I fit perfectly for, and they would give me the same rate. When asked how I qualified for one yet not the other I did not get an answer. So I asked them to send in writing why I was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-16
Findlay, OH
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-08-14
Effingham, KS
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I received a letter from Ditech stating my mortgage was transferred to XXXX XXXX XXXX. This after all requested paperwork for a modification had been XXXX to the loss mitigation department of XXXX XXXX 2017. This is the second time this year my mortgage has been sold while in the modification process and the process not completed. Now what will happen?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-14
Cheverly, MD
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: Ditech approved our loan modification and then never sent us our forms to sighn.When we inquired about our forms they told us they sent them to our attorney.When we called our lawyers they stated they never received the papers.We called ditech back asked them to send the papers back to us instead of our attorney, they said they would do so asap, but before we could get the forms they foreclosed on our property.We have called Ditech numerous times they would never call us back.We took them to court but up till now we cant get any help I hope and prey that you can help us.Thanks I can be reached at XXXX or XXXX and my emailis XXXX.please call me asap we need your help desparately.
Company Response: Closed with explanation
2017-08-14
Wonder Lake, IL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-14
Lynn, MA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-14
Fort Pierce, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I paid an extra {$350.00} to my principal on my home mortgage electronically on XX/XX/XXXX. I sent Ditech a statement telling them to place the {$350.00} on the principal. On XX/XX/XXXX, I sent them another email asking them to put it on the principal. I sent them another email today XX/XX/XXXX. Every month I pay extra to the principal and every month I go through the same type of waiting process. Constant emails ... I used to call, but decided it is easier for my documentation to email. I just want Ditech to do their job in a timely fashion ... instead of making me constantly check up on them!
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-08-14
Patterson, MD
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: 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
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-08-14
Carrollton, MD
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation