Ditech Financial LLC

2017-08-13

Carmel, IN

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

2017-08-13

Key Biscayne, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-08-12

Los Gatos, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-08-12

Southern Pnes, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-08-11

Wesley Chapel, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Complaint: XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XX/XX/XXXX & included in Judge 's discharge. Correct. Ditech buys mortgage in XX/XX/XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XX/XX/XXXX where there involvement did n't start until XX/XX/XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & Ditech accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake Ditech refuses to correct.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-11

Federal Way, WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-08-10

Romeroville, NM

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

2017-08-10

Bowie, MD

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Complaint: 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 )?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-09

Alamo Heights, TX

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

2017-08-09

IN

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In my conversation with XXXX on XXXX XXXX, 2017 and requested a payoff amount valid for up to thirty ( 30 ) days and I still have not received it, therefore, I am formally requesting a payoff quote be fax to my attention at ( XXXX ) XXXX. In addition, please send to me via the same methodology via facsimile to ( XXXX ) XXXX the complete payment history of all payments made on this loan from its inception ( beginning ) until the date you signed for this Certified Letter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-09

Glenarden, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-08-09

Closing on a mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-08-09

E Haven, CT

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-09

Lakeview, NY

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-08-08

Albuquerque, NM

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-08

Monterey Park, CA

Struggling to pay mortgage

Mortgage: Reverse mortgage

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

Timely Response

2017-08-08

Sulphur, LA

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

Timely Response

2017-08-08

Elk Grove Village, 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

Timely Response

2017-08-07

Lawrenceville, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-08-07

OH

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I made a full monthly mortgage payment for {$590.00} on XX/XX/XXXX to Ditech it has NOT been applied to my account as of XX/XX/XXXX therefore misrepresenting the account status to me as well as credit reporting agencies.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-08-07

Ft Lauderdale, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have sent 2 letters one in XX/XX/XXXX and one XX/XX/XXXX, to Ditech for the past few months regarding how my payments have been applied, what is the corporate advance of {$60.00} for, and per the last modification I had I am not supposed to be charged late charges why all the sudden I have late charges on my account, why I do n't get my monthly statement like I am supposed to get monthly. So far no response except a letter to cure telling me how to pay to cure with no much to work with, but when I called the company they have double up on what I owe. I just need to know details of the payments applied since XXXX 2017 till now, why after all these years late fee start adding in my account, why is the advance balance for, where is my unapplied balance of {$160.00} applied to in XXXX 2017 because I was told to pay the {$370.00} to complete payment that was done.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-07

Erial, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-07

Lawrence, NJ

Struggling to pay mortgage

Mortgage: FHA mortgage

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

Timely Response

2017-08-07

Sarasota, FL

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-08-07

Detroit, MI

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response