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 111
2017-07-24
Cheverly, MD
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have sent information to CFPB about a year ago and did not hear back. That is why I am submitting a NEW complaint. I had to handle the situation on my own! Back in XX/XX/XXXX, I had a servicer called Green Tree Mortgage who contacted me about the new terms and conditions of my loan. My loan was sold to Green Tree from XXXX XXXX XXXX. I was offered something completely unacceptable and went through a 2 year process back and forth in an attempt to get a loan modification. I sent complete packages and was repeatedly denied. Finally, in XX/XX/XXXX, I asked IF I could short sale the property and was told the ONLY way I could do this is to stop paying on my loan. I did NOT want to do this but was told they would release me. But this was a ploy to destroy my credit and foreclose on the property. Early this year, I met with representatives of Ditech, their attorney and the XXXX XXXX County Circuit Court in XXXX XXXX, Maryland. It was discovered during this meeting that Ditech improperly advised me on procedures for completing a short sale. The damage has been done and they also want me to adhere to a promissory note. I should be released from the promissory note. I no longer have the property, it was sold for the current appraised value so they have been paid and made whole! Therefore, I am putting in a complaint against Ditech Mortgage ( formerly Green Tree ). Can you assist me? I want restitution for the damage they have done to me! XXXX XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-07-24
Brier, WA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-07-24
Columbus, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I have tried unsuccessfully to get a detailed transaction history on my property as it has been transferred to more companies than I can remember. My issue is trying to determine how they arrived at the $ XXXX balloon note added to the last modification done by DiTech Mortgage.
Company Response: Closed with explanation
2017-07-24
Philadelphia, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XX/XX/XXXX Dating back to XX/XX/XXXX, I have been paying {$800.00} mortgage payment. The amount owed each month was on the average {$720.00} dollars. The payments varied based on annual real estate taxes and homeowners insurance. Examining my mortgage from XX/XX/XXXX up to XX/XX/XXXX the additional funds were not applied as additional principle to the balance. Because the additional funds were not appropriately applied, I believe the total amount due and payoff balance is significantly incorrect. I am requesting that Ditech reassess my account and credit all additional funds that were paid to be credited as additional principle. And I am requesting that the correct balance be reflected on my next mortgage payment statement. I have requested an accounting directly from Customer Service at Ditech, but have not received a response.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-24
Jacksonville, FL
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 explanation
2017-07-24
Cedar Park, TX
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
2017-07-24
Effingham, KS
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I am behind on my mortgage there is a current complaint ongoing with Ditech and XXXX XXXX XXXXXXXX. I received a letter for Ditech stating that my request for assistance has been denied because the application was not complete.The issue is I have not submitted the paperwork. I have not received the application yet. I was sent an email but the attachment ca n't be opened. I contact Ditech on XXXX XXXX and was told the would mail on they could email it (? ) it would take 10 days I still have not received the application. I compiled all the information needed i.e. pay stubs, bank statements hardship letter, but do not have the application.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-07-21
Hialeah, FL
Closing on a mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-21
Newport Beach, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-21
C Gables, FL
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-07-21
Warrenton, VA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-20
MS
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: I am filing a complaint against Ditech Finamcial L.L.C. I had a home fire on XX/XX/XXXX that caused major damage to mobile home forcing me and my family to have to relocate.While waiting for insurance claims and adjustments to be completed. I managed to make a payment on XX/XX/XXXX but not living in home. Insurance agent determined that it was est. of {$25000.00} worth of repair. On XX/XX/XXXX i received a letter of default from ditech and i was also informed to send checks from insurance claim. and have home repaid. Then in return they would issue me a refund after home was repaired. Due to my situation I could not afford my monthly payments at mobile home and have it repaired.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-20
AR
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: XXXX of XXXX I tried to make a payment but case was closed because my attorney failed to make a modification. Ditech/Greentree filed a motioned to lift the automatic stay, because I missed two payments but, one of the missed payments was my attorneys fault which raised my payments 60.00 more, but stay was lifted. I found out months later from the trustee that my attorney without my knowledge had surrendered my home the year before & then applied for more money! but was denied. The trustee told me that I had around 7,000.00 at her office. I asked Ditech if they would accept that & modify my loan, & my husband a ( veteran ) had offered to take out a VA loan if it would help us keep our home, but they refused & said that I had to have XXXX before being considered! Previous to this we hired XXXX XXXX XXXX to lower our interest which was at 10! /2 % for 20 years we owed almost what we gave for it! Our payments that went from XXXX to XXXX from Bankruptcy. I had applied on line for a modification which is '' '' STILL BEING REVIEWED, '' '' today! We hired another attorney which shows on the NDC summary a modification to the plan was made the day before MY HOME WAS SOLD which was XX/XX/XXXX!!. Last year my attorney was arrested & yesterday he & his paralegal were arrested for XXXX, Yesterday we GOT EVICTION NOTICE!! .. Is there anyway we can stop this due to No counsel?? asap ... they are kicking us out Immediately!! Sincerely, XXXX
Company Response: Closed with explanation
2017-07-20
Washington, DC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Through XXXX I received a trial loan modification from DiTech which began in XXXX, 2017 and successfully completed my payments in XXXX, 2017. I have been waiting since the completion of my final trial loan medication to receive my finalized loan modification documents. XXXX, XXXX XXXX XXXX worked with a XXXX . XXXX in DiTech through this process, however in XXXX, 2017, DiTech forwarded to me through their attorney Default asking for the amount that I am paying through Chapter XXXX. I have been current and so they withdrew those documents. Now they are refusing to forward me my finalized loan modification documents. When I got the loan modification I was told by my bankruptcy attorney and XXXX that my payments to the Trustee would be reduced or cancelled once I received the final documents. DiTech after months of trying refused to speak to XXXX and they have my written consent to do so, and they refuse to speak to me. When I call they tell me that they are still working on the documents. When I ask how long its going to take or why is it taking so long, they wo n't answer and try to brush me off to the loan modification unit which only transfer my call back to the bankruptcy unit. My attorney called them last week, on the XXXX to be exact and was told that I would receive my documents when I made my final payment in XXXX. I never received any thing from DiTech informing me that they had changed my trial loan modification documents and when I contacted XXXX XXXX of XXXX they had no knowledge of this either. So I immediately called them back and they informed me that they were still working on the final papers. They had no problem sending me a Default notice to foreclose on my house in XXXX, which they withdrew once XXXX and my attorney got involved and we sent them copies of the trial modification submitted by them. They have made it virtually impossible to live. I pay the trustee XXXX per month and them XXXX. So they are collecting monies from the trustee which should be stopped because those amounts were added to my trial loan modification, plus my monthly mortgage which increased from XXXX to XXXX. I ca n't afford my medication, to buy food, pay my utilities and if the Federal Government was n't paying my transportation costs to and from work, I would n't be able to get to work. Please make them forward me my final loan modification papers. They are illegally getting money from the Trustee and me and they have gone up twice on my mortgage since I 've filed bankruptcy and my homeowners payments decreased by XXXX. Please help me. Thank you. PS I won several class actions suits, though not a lot of money, for predatory lending and submitting false balances on my account, like they did to others. Please help, I am XXXX and need my medications or I could die. I have XXXX XXXX XXXX, XXXX, and some other aliments I would like to keep private.
Company Response: Closed with explanation
2017-07-20
Centralia, MO
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-19
Pnte Vdra Bch, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-19
Leeton, UT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: In XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with DITECH that was charged off on XX/XX/XXXX .
Since XXXX it has reported me late every month - even though the account is charged off and closed.
In XXXX XXXX I called Ditech and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $ XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with XXXX XXXX . He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.
Company Response: Closed with explanation
2017-07-19
Denver, CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-07-19
Pinellas Park, FL
Trouble during payment process
Mortgage: FHA mortgage
Complaint: On XX/XX/XXXX I received a letter from Ditech my mortgage company stating that I am eligible to receive an additional pay for performance incentive in the amount of $ XXXXThis is under the guidelines of the Home Affordable Modification Program that is tied to Dodd-Frank. I had to send in a Certification form. I did so on XX/XX/XXXX via fax.See attached documentations. Shortly there after I called to verify that they had received my documentation and was told it had to be processed.On XX/XX/XXXXI was told that everything was in order but it could take up to a year to complete. On XX/XX/XXXX and XX/XX/XXXX I was told a similar story and the last time they had no record and had little information about the program. I was sent to a different extension were I got a voice mail to leave a message with my information and I would receive a call back which never happened. I this point I am tired of the runaround by this large bank and seek your help. A gravely similar and much worse process took place during my loan modification which resulted in a {$20000.00} impact on my mortgage. Please Help, XXXX XXXX
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-07-19
Nyc, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-07-19
Houston, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-19
Magnolia, TX
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I have reached out to my mortgage company explaining my hardship. I explained then and now, that my mortgage was not affordable. I was paying {$2600.00} monthly on a {$130000.00} loan. At the time I took out the loan it was after hurricane XXXX so I understood then the high interest but I was told that after 6 months I could refinance and get a lower interest rate. Needless to say that was inaccurate and no I did not get it in writing. Please understand the background to my hardship. I have gotten behind on my mortgage I filed bankruptcy, I have had loan modifications and I am still fighting for an affordable solution. I recently received a loan modification, it was significant as oppose to what they previously gave. This time I received a 4.25 % interest rate down from 8.25 %. I had an 8.25 % interest rate for ten years. The lenders refused to lower it, now that XXXX has gotten involved it was reduced. I am pleased about that but no one is addressing the pmi another source of my hardship. Please help! I want to keep my home I have proven that by fighting to reach an affordable solution but this company is trying to force me out and I do not understand why.. My pmi MONTHLY is {$670.00}. My house note is still unresolved. All I 'm asking for is to be given a true chance at owning and maintaining my home. This is my American Dream this is my home but some big bank is making money off of forcing the middle class workers out of their dream. I do not want to raise my children in an apartment complex with XXXX XXXX and XXXX. It is my right to be able to raise my kids in a nice neighborhood, with exemplary schools. It is my right to have a fair chance at home ownership! Why am I being penalized for trying. I am asking once again to please look into and adjust my pmi I can not afford my house note due to it being excessive. Please note that this is my second complaint, I do not understand why the first one was closed because this matter was not resolved.
Company Response: Closed with explanation
2017-07-19
Arco, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I opened my home loan in XX/XX/XXXX , and it has been sold twice since then. The most recent owner of my home lone is DiTech Financial. Since Ditech took over my loan, they have LOST my payments TWICE and had to go deep into their system to retrieve my money.
NOW they have a new scam - they have diverted a portion of my payment to an " escrow '' account. I have NEVER made escrow payments through Ditech. I manage my property tax and insurance ON MY OWN and therefore have NEVER needed an escrow account on my mortgage. This is a NEW SCAM orchestrated by Ditech to steal money from me each month, hoping that I would not notice.
The illegal charge was made on my most recent payment on XX/XX/XXXX , with an amount of {$100.00} being funneled into their backchannel " escrow '' account.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-07-18
Wonder Lake, IL
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: I had a mortgage with Ditech Financial and decided to refinance with them to get fixed rate. I received a good rate and everything looked good during application process but later turned out that both loan officer and loan processor had very little knowledge about the process. The loan processor XXXX XXXX seems not to have any knowledge at all, he was giving me confusing information all the time and after closing totally ignored me. The major issue arised with real estate taxes when they decided to take almost {$3300.00} at closing to pay taxes shortly before real estate bill came out. After the closing, when i received tax bill and found out that it is around {$1000.00} less i made several calls and emails to loan processor and loan officer and received no response.After few days trying to call different departments at Ditech no one knew where my money was if it was paid already or not. Finally i contacted the title company and was told that the check was already sent. Now i have {$1000.00} overpayment and it will take forever to get the money back. All because employees from Ditech do n't know what they are doing and ignore customer. I would never do business with this company again.
Company Response: Closed with explanation
2017-07-18
Belle Haven, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ditech servicing LLC has made continuous error on my account since XXXX XXXX . I have called every month and spoke with multiple parties and was told the matter would be fixed and it was and each month the problem continued The problem : my mortgage is {$880.00} per month. Every two weeks for years Ditech has been sent {$500.00} every two weeks. Their policy is they have an account called unapplied funds that partial payments when received would stay until full payment is received. However what I was noticing is that Ditech was not adhering to that practice and allowing the money intended for payment to accumulate in unapplied funds. Every month I called explained how I wanted the payment to be applied with the overage to principle and each time I called I was told the matter would be resolved and it continued for 9 months continuously. PLEASE NOTE : I record all calls with Ditech and can substantiate each call/ contact with them regarding my account and validate each time I was told the matter would be fixed.
Due to the practice of Ditech I accumulated multiple late fees erroneously with no notifications In receiving my XXXX , the calculation was noted erroneously by my accountant and I noted a late fee I involved XXXX XXXX the owner of my loan and involved them also of the practice of Ditech in XXXX . They have been no help in attempting to resolve matters and have even absolved themselves of all responsibility for the practice of Ditech In XXXX XXXX I spoke with a director and a loan process personnel and was told that due to an upgrade their system was incapable of recognizing how to address my partial payments and a reallocation of my entire loan was made. However in a review of the allocation of the funds allegedly being applied appropriately my principal balance increased instead of decreasing. I have written Ditech multiple times requesting a review and received an email from their AVP XXXX XXXX stating that the allocation was correct and they will not address my concerns. In XXXX XXXX I received an escrow shortage statement stating that my payments would increase because my escrow analysis was low .In calling Ditech I was first told my property taxes had increased and that contributed to the increase. This was a lie, the city treasurer confirmed my taxes remained the same. Then I was told that city had sent them my storm water bill and they would pay that on my behalf. However, I was paying my stormwater bill on my own via web bill through my bank and there were no delinquencies. This prompted an inquiry to why now would the stormwater bill be sent to the company and confirmed by the city treasurer again the practice is not to send duplicate billings to the owner and the mortgage company. the only time they would if its requested which they confirmed it was, but it was already paid by me. This prompted a complaint with the BBB and now I have received another analysis indicating that I am in NOW in a surplus and my monthly payment has decreased {$120.00}. I have ceased sending the overage amount and have complied with only sending the intended amount due for the month of {$880.00} and my funds still continue to be transferred to their unapplied funds sitting there with multiple calls and emails sent to them demanding to apply to the intended payment even with the direction indicated on the memo.
Due to this companies continued errors it has placed my account in default when in fact I have been paid ahead on my loan by one month and they have sent a collector to my home, sent multiple collection letters. I have filed a protective order against the company and a cease and desist regarding being in collections when my account is well within in compliance This company is in violation of the fair collection act because I was never in default, never have been late with payments THEIR practice of mishandling payments has caused multiple errors. I have given them 1 year to fix this and as of today, their AVP has responded after 45 days of no response that they are still working on matters. What is acceptable time frame because I think if in court I have been more than reasonable with attempting to mediate matters with them and it has been unsuccessful.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation