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 113
2017-07-12
Augusta, ME
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-12
Baltimore, MD
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-12
Georgetown, TN
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
2017-07-11
NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I am contacting the CFPB as I am being given the run around from my mortgage servicing company, Ditech. My loan had been in review for a loan modification for several months when I was finally given a loan modification. The loan was never given a trial modification but I was given a permanent loan modification dated XX/X/17 was mailed out XX/XX/17 by Ditech. The agreement was due by X/XX/17. The permanent agreement was executed X/XX/17 and returned. <P/>The first payment was due X/X/17 which I have made all permanent payments from X/X/17 through X/X/17 in which Ditech accepted all of my payments. Last week, I was advised the modification was denied due to they are unable to create an affordable payment. <P/>I do not understand how I was approved for a permanent modification, made 6 monthly payments and now I can be denied?
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-07-11
Birmingham, AL
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: When my mortgage company was Green Tree, I was paying 7 % and was struggling. I applied for a loan modification and was rejected. During this time I was in Chapter XXXX. Later I learned that according to the consumer protection agency, many customers were lied to by Green Tree. They were told that they were not eligible for a loan modification when in fact they were eligible. During that time I got behind and got caught up as part of my chapter XXXX. When I got out of chapter XXXX, I tried to get a mortgage refinance or any thing that I could, including any available goverment program. They told me that I was not eligible. They turned me down. At this time they put a statement on my credit report saying that I got behind in payments and it was caught up as part of a chapter XXXX. I guess they did this to justify denying my refinance. Yes I am still paying 7 % when the interest rate is much, much lower. They did take the statement off of my credit report, once I paid a company to clean my credit. I also was told that what they did was not legal. I do not know what to do to take legal actions against them, but I will. Obviously they stand to lose money by charging me what the actual interest rate is these days, instead of 7 %.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-07-11
Boston, MA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I had an insurance claim back over 2 years ago in 2015 ... the check was made out to both myself and Mortgage company ( now Ditech ). After getting work done, I had the insurance company out to property where they did a 70 page inspection. please note that insured coverage amount is more than {>= $1,000,000} and I owe less than 4550,000 so their collateral has never been at issue. I have forwarded that inspection repeatedly to Ditech. They refused to release money to me ( me being the one who paid all the premiums that Ditech simply escrowed ). Since I had shown them that their collateral was fine ( more equity than when loan was taken out by a good stretch ) I told them to credit the money to my payments. Ditech now has refused to even accept my subsequent payments and I am at risk of foreclosure. Ditech has a consent decree with the Mass AG 's office, regarding their doing this exact thing to other Massachusetts borrowers. Please help. THX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-11
PA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: 2ND LIEN MORTGAGE WAS DISCHARGED AS AN UNSECURED CREDITOR IN XXXX BANKRUPTCY IN PENNSYLVANIA. MY HOMES CURRENT VALUE IS JUST ENOUGH TO COVER MY 1ST LIEN MORTGAGE. I DONT WANT TO LOSE MY HOME SO I CONTINUED MAKING THE PAYMENTS TO DITECH ON THE 2ND LIEN MORTGAGE SINCE THE MORTGAGE WAS DISCHARGED BUT NOT THE LIEN. I HAD ASKED THEM TO PLEASE LOWER MY CURRENT RATE ( 14.50 % ) SO MY PAYMENT WOULD NOT BE SO LARGE. THEY SAID THEY COULD NOT MODIFY MY MORTGAGE LOAN BECAUSE THE DEBT WAS DISCHARGED. SINCE XXXX AFTER THE MORTGAGE LOAN WAS DISCHARGED I HAVE PAID {$29000.00} TO INTEREST AND {$3700.00} TO PRINCIPAL. THE PRINCIPAL BALANCE IS STILL {$29000.00}. KNOWING THE DEBT WAS DISCHARGED I FEEL THEY COULD HAVE ASSISTED ME BY LOWERING THE INTEREST RATE OR WAIVING ALL LOAN INTEREST. IF I DO N'T CONTINUE PAYING THE DEBT THEY CAN START THE FORCLOSURE PROCESS EVEN THOUGH THERE IS A 1ST LIEN HOLDER. <P/>I WROTE ANOTHER LETTER ON XX/XX/XXXX ASKING FOR A SETTLEMENT OFFER TO REMOVE THE LIEN. STILL NO ANSWER. CAN YOU PLEASE HELP ME WITH THIS SITUATION?
Company Response: Closed with explanation
2017-07-11
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
2017-07-11
Glen Allen, VA
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-07-11
Milwaukee, WI
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
2017-07-10
Bremen, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX I attempted to access the payment history on my account and received a message that stated, " Please call the Bankruptcy Department at XXXX for assistance. '' On XX/XX/XXXX I called the number above and was transferred to XXXX XXXX XXXX, which is a third party company that handles all bankruptcy accounts for Ditech Financial. I spoke with XXXX XXXX xt XXXX, a representative for XXXX XXXX XXXX. XXXX XXXX informed me that my case was showing that I was still in bankruptcy. I informed XXXX XXXX that my bankruptcy had been discharged in XX/XX/XXXX. She placed me on hold and researched and found that my bankruptcy had been discharged XX/XX/XXXX. She stated that her company should not have received my account because they began handling all bankruptcy cases for Ditech Financial on XX/XX/XXXX. I asked how long would it take to remove the bankruptcy from my account. XXXX XXXX stated 3 months for Ditech to audit the account. I asked for a supervisor and was transferred to XXXX XXXX ( he did not give me a last name ). He stated that what XXXX XXXX had previously stated was true and he apologized for the inconvenience. He agreed to escalate the case and told me that he would contact the Consumer Financial Protection Bureau and file a formal complaint. My concern is that I can not contact Ditech Financial directly because my account status remains in bankruptcy and all of my calls route directly to XXXX XXXX XXXX. I am also concerned that a third party company has received my personal account information in error. Both Ditech Financial and XXXX XXXX XXXX were negligent. Ditech Financial was negligent because my account should have never been sent to XXXX XXXX XXXX. XXXX XXXX XXXX was negligent because they never reviewed my account to see if it was in bankruptcy. XXXX XXXX told me that I can check back any time to check on the status of my account.
Company Response: Closed with explanation
2017-07-10
Spokane, WA
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt is not yours
Complaint: Ditech Financial LLC is the 5th lien holder of this disputed debt. In XX/XX/XXXX, I purchased a house for {$250000.00} through a bank in NM. That loan was sold to XXXX, which then sold it to XXXX XXXX XXXX, which then sold it to Green Tree Financial, which then sold it to Ditech Financial. The debt was sold four times through XX/XX/XXXX. By XX/XX/XXXX, I made the decision for my XXXX children and me that we could no longer afford to live in the house. I was borrowing from family and living on credit cards in order to make the mortgage payments. I notified XXXX XXXX XXXX that I would be unable to continue to make mtg. payments, but would attempt to remedy the situation. I made efforts to rent the house through a rental company which specialized in this type of transaction, due to the state of the economy, there was n't the market for such a large property. I made sure that the septic system was cleaned, swamp cooler serviced, termite inspection done, furnace serviced, guest house rooms freshly painted, shrubbery trimmed. We also left a usable refrigerator in the garage and the house cleaned when we left. I left the house keys with the next-door neighbor, and notified XXXX XXXX XXXX that 's what had been done. Within a few days, men came from XXXX XXXX XXXX (? ) /Green Tree (? ) -- got the keys from the neighbor, went through the house, changed the locks, then exited. I contacted Green Tree and tried to work through that company to resell the house via their specific division, but was notified by them that since I had moved from the house, I was considered an absentee landlord and they could n't help me! What a joke! I then tried to sell the property through a realtor that specialized in short-sells, verified with Green Tree that I had all of the paperwork, it was all vetted, we had a buyer who was ready to sign the purchase agreement -- of course it was a lot less than the $ XXXX, but it would have saved the property and me. That day, both the realtor and I were notified by Green Tree that the house was being put up for sheriff 's sale and the realtor and I were out of the picture. The house was sold at sheriff 's sale -- by Green Tree to Green Tree -- for {$200000.00}. It was then resold to another buyer. At some point after that, Green Tree sold the loan to Ditech Financial, which really just might be Green Tree/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA Ditech Financial. I was sent a Capital Gains Statement for my XX/XX/XXXX income taxes in the dollar amount of {$180000.00}. We had no gains from this whole nightmare, only losses on top of losses.
Company Response: Closed with explanation
2017-07-10
Hayward, CA
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-10
NE
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I previously filed a complaint against this mortgage company back on X/XX/17 the complaint number is XXXX on X/XX/17 we were notified by the company that our papers would be delivered to us no later than X/X/17 which they did arrive on that day. My husband then signed all the papers and had them notarized and sent them back on X/X/17. approximately on X/X/17 we received another set of papers that had a totally different amount for monthly payments and my name on the mod. papers which should not be since I am not on the loan, just my husband is. We disregarded those papers and waited for ours to be mailed back. This never happened we ended up having to call a rep again, and at first said they never received any papers until my husband said that is impossible I sent them back on XX/XX/XXXX and I have copies.. then they all of a sudden found the papers and said they would send them back in 7 business.. That never happened instead we had to contact them again and then they claimed the ones we sent back were wrong because I was n't on the first docs. ( I am not on the loan why would I be signing any of those papers ) and the payment is wrong, the original loan mod we agreed to and signed gave us a payment of {$780.00}. They want to arbitrarily change that to {$850.00}. You can understand why we are angry and upset and concerned that they are trying to take advantage of us. My Husband would also like the {$10.00} he had to pay for the notary reimbursed.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-07-10
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-08
Dallas, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-07
Aberdeen, SD
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2017-07-07
Wellford, SC
False statements or representation
Debt collection: Mortgage debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2017-07-07
Bavaria, KS
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
2017-07-07
Bethcar, SC
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-06
Trouble during payment process
Mortgage: VA mortgage
Company Response: Closed with explanation
2017-07-06
Clinton, MD
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: I have a Helco that will set next month to more than what I am currently n. I CAN NOT afford this new payment each month! My circumstances have changed significantly now I am permanently disabled and unable to work as explained in complaint # XXXX Ditech sent another letter this past weekend reminding of the payment again. Ditech is s servicer of an investor that participated in the TARP program, acquired my loan from a predator lender. Ditech participated in the Making Homes Affordable but failed to reach out to me when I was eligible for the program ( s ) as suggested by OCC. <P/>It is now inevitable I will default as my monthly mortgage expenses are more than my income after taxes due to a recent change. This investor is not primary lien holder and may not satisfy the debt after legal fees and statutory government fees I will end up being put out with no money.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-07-06
NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX I retired from my XXXX job after 26 years due to medical problems ( extreme stress at work ). I got behind in my mortgage payments and tried to catch up, to no avail. Last month ( XX/XX/XXXX ) my mortgage company sent me a letter saying that if I did n't catch up on my payments, they would foreclose on my house. I tried to work with the with XXXX on a loan modification but it was denied. At the recommendation of my mortgage company, I filed an appeal which was denied this past week. Before it was even denied I received one of those packets with pictures of my house and surrounding properties and sale prices of houses like it from the company. In my opinion, my mortgage company never planned on approving my modification or appeal.
Company Response: Closed with explanation
2017-07-06
Cartersville, SC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My name is XXXX XXXX XXXX, I am writing because of a continual problem regarding a mortgage loan with Ditech Financial, LLC. I am desperately in need of a resolution as I have done everything requested of me by Ditech in order to be approved for a Deed in Lieu. It has been over a year, that I have been trying to avoid foreclosure and return the property to Ditech Financial, LLC. XXXX representatives have been very rude, demeaning, and completely disrespectful 95 % of the time I have spoken with them. Calls have stated they are being recorded, so I know there is proof. In XX/XX/XXXX I was deemed XXXX due to a work injury while working in the XXXX XXXX XXXX XXXX. Though struggling while depleting my savings, I remained in good standing with my payments until XX/XX/XXXX. During this time I have made numerous efforts to try and resolve this ; short sale, rent the home, have a married couple take over the payments, and to no avail Ditech has drawn this matter out without good reason. They have offered a modification, but that was what caused the problem only to worsen the current payments. I am in no condition to keep or maintain this property. I have vacated the premises as of XX/XX/XXXX as I could not even afford the household bills. I can be reached at XXXX by phone or by email XXXXXXXXXXXX. Since I am not at a stable location at the moment, you can also mail correspondence to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. Thanking you in advance for your immediate attention and assistance with this matter.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-07-06
OH
Trouble during payment process
Mortgage: FHA mortgage
Complaint: Our loan was sold to Ditech after a bankruptcy. We have recovered nicely from that, except for the issue with Ditech. They are a predatory lending co! The bad reviews and complaints are so numerous its is n't possible to read them all!! It all starts with the reaffirmation ( XXXX 2016 ) of our mortgage after bankruptcy, they did a loan. ( We should have cut our losses and run away!! ) Just 1 month after signing and have new documents notarized, they changed our monthly payment. We simply asked for new paperwork to be sent to us reflecting the change in the requested monthly amount. They refused. We continued to make our payment of {$570.00} until the 1st year was up and they notified us that our escrow had changed and our new payment was {$560.00}. We have made every monthly payment since our bankruptcy never missing one! Somewhere in their infident wisdom, they have screwed our account up. They are telling us we are 66 days past due and owe {$1700.00}. Not possible when we have NEVER missed a payment. Our bank can prove this as well. XXXX XXXX is the owner of our loan, they too can see all payments have been made. We have asked them to look into this and faxed what we can. <P/>Today I called to make our XX/XX/XXXX payment, the automated system sent me to a voicemail that was not accepting messages, it was the bankruptcy dept., not sure why? It was closed almost 2 years ago. So I had to work myself through their stupid system until I got a person. She refused my payment, but would not tell me why or tell me how much needed paid. My husband has given verbal and written permission to speak with me on multiple occasions. They are never able to find anything we send them. I asked for a supervisor, she refused. I had to call back and speak to another rep who put me through. She in turn said again I needed bankruptcy dept, I tried asking why, she ignored me and transferred me to yet another voicemail NOT accepting messages because it is full. What reputable company has multiple full voicemails??? One that has NO INTENT on calling anyone back!! I tried to make a payment online, it will not allow us to, apparently that function has been blocked as well. Although I 've been told by several of their service reps we can do that. We have no explanation as to why payment is being refused, I was told by XXXX XXXX that they ca n't refuse our payment. We are not in bankruptcy or foreclosure, so there is no excuse. We believe their intent is to cause us to somehow fall behind and then try to foreclose. We will NOT allow that to happen, I will fight them and file complaints with every entity I can find, I have filed with the BBB and our Ohio State Attorney General 's office is next. We will continue to push XXXX XXXX to relocate our loan with another company as well. The only solution I see is a change in mortgage companies as Ditech is by far the worst I have come across when doing research on this matter. They have done this to others as well, and I hope that some government agency will step in and help us fight them!! <P/>I want them to provide us with a statement of all payments and explain to us how they THINK we are behind, because like I said we can prove otherwise.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief