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 108
2017-08-05
WI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-05
Las Vegas, NV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Complaint: I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX
Company Response: Closed with explanation
2017-08-05
Baton Rouge, LA
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief
2017-08-05
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
2017-08-04
Saint Clair, MO
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-04
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
2017-08-04
North Shore, LA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-04
Green Acres, FL
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-04
Traver, CA
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: 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.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-08-04
Rocky Ridge, MD
Trouble during payment process
Mortgage: FHA mortgage
Complaint: 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
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-08-04
Akron, OH
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Starting in XX/XX/XXXX, Ditech Mortgage, started to add {$160.00} to my mortgage payment of {$390.00} for a total of {$550.00}. They claimed I was not making my property tax payments. But, all along I had been making my payments to my XXXX County fiscal office, as I had always been. Ditech sent a payment of {$700.00} to my fiscal office which has since been refunded to them in XX/XX/XXXX. After over a year of trying to get this resolved by phone calls and sending in proof of payments, I am now in foreclosure and my credit has been damaged, and no closer to getting this resolved! I have made all of my mortgage payments and my property tax payments each month but they say I am {$2000.00} past due including late charges, and I 'm in foreclosure. I am trying to sell my house but can not put it on the market until this gets resolved. I want my credit repaired, any late charges removed and the account adjusted to show current. I have submitted supporting documents to you to show my proof of payments for my mortgage and property taxes.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief
2017-08-04
Newnan, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-08-04
Williamston, MI
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-03
Bueche, LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: 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.
Company Response: Closed with explanation
2017-08-03
Bolling Afb, DC
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
2017-08-03
Hamburg, MN
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I contacted Ditech in XX/XX/XXXX after receiving my monthly mortgage statement. I called their XXXX number and sat on hold for a half hour.
I spoke to a rep named XXXX and requested information so I could start paying my mortgage every other week. She said she would immediately email me a form and that I needed to fax it back them. We hung up. I checked my email. Nothing. I tried calling back a few times, but always got placed on hold. I do n't have time to sit on hold for something this stupid and easy. I emailed their customer service department a week later with subject line " COMPLAINT. '' It has been almost two weeks and I have gotten ZERO response.
Company Response: Closed with explanation
2017-08-03
Lower Makefield, 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
2017-08-03
IN
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-08-03
Attempts to collect debt not owed
Debt collection: I do not know
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-08-02
Council, NC
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-08-02
Manhattan, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2017-08-02
Trouble during payment process
Mortgage: VA mortgage
Company Response: Closed with explanation
2017-08-02
Eastamptn Twp, NJ
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-08-02
York, ME
Written notification about debt
Debt collection: Mortgage debt
Didn't receive notice of right to dispute
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-08-02
MA
Problem with fraud alerts or security freezes
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Complaint: 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.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation