Ditech Financial LLC

2017-07-06

Struggling to pay mortgage

Mortgage: VA mortgage

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

Timely Response

2017-07-06

Mascotte, FL

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

2017-07-06

Heer Park, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-07-05

Kent, WA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-07-05

Churchville, 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

Timely Response

2017-07-05

Cordova, TN

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

Timely Response

2017-07-05

Burbank, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I took out a loan for {$310000.00} from XXXX XXXX in XXXX . It was then sold to Green Tree with loan number : XXXX and then to XXXX with loan number : XXXX , then to XXXX with loan number : XXXX and I have still not received an updated payment history from them. It is apparently now with XXXX XXXX XXXX .
Company Response: Closed with explanation

Timely Response

2017-07-05

Wesley Chapel, FL

Trouble during payment process

Mortgage: FHA mortgage

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

Timely Response

2017-07-05

South Florida, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-07-03

Oakland, CA

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

2017-07-02

Jupiter, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I purchased a new house on XXXX XXXX, 2016. The minimum payment is {$1200.00}. This amount does not include escrow, which I cancelled three months ago for reasons I will explain below. Every time I make a payment I add an extra amount ( normally {$3000.00} ) toward the principal. The Ditech website has a specific space where I can type the extra amount ; it is called " Additional Payment ''. However, very month, Ditech redirects the additional payment toward future interest and escrow ( which, as I pointed out, I cancelled because of this ), and gives me permission to skip the next two monthly mortgage payments, and pay interest and escrow two months in advance. I have told Ditech to stop doing this, but the problem persists. All this is causing me a lot of confusion and prevents me for seeing a clear picture of the amortization table. I need two things done : 1. I request that Ditech stops redirecting additional payments toward future interest. 2. I do not want the escrow reinstated.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-07-02

Phila, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am writing CFPB again in response to DiTechs comments and because I am still seeking relief per CFPB from DiTechs harassment, which is beginning once again, already. DiTech is AGAIN Ballooning my account balances and sending me threatening monthly letters as if they are unafraid of any legal action against them or the revealing of their cycle of threatening and harassing actions against me through my post to CFPB and other agencies. As you will recall I received through DiTechs methods a letter : 1 ) OnXX/XX/XXXX stating that I could get help to pay their fictitious balance of my account ( DiTech ballooning my account balance over 2 monthly payments ). 2 ) OnXX/XX/XXXX I received another more harassing and threatening letter stating that DiTech will accelerate default into foreclosure unless I pay a certain amount of money to them. They stated that this fictitious amount is the TOTAL AMOUNT DUE of the months through the date of the letter as the date of the letter reads. ( NOTE : I paid this amount in 2 installments BEFORE the due date. ) 3 ) I also made a XXXX payment 4 ) So the question is : How can I then receive a letter the following month,XX/XX/XXXX, starting the cycle of harassment over again, stating that I can seek help for over 2 months of unpaid previous payments? This after paying payments for a letter that states TOTAL AMOUNT DUE. 5 ) How also can that same months billing statement reflect over 3 months past due? XXXX Billing statement shows me owing still {$1900.00} and then next month, XXXX Billing statement, shows me owing almost 2xs that for almost 4 months of payments at {$3100.00}. 6 ) More importantly, I paid over {$1900.00} Before XX/XX/XXXX and the payments listed for me through DiTech, for that month are only {$1000.00} Where is the rest of the money I paid? 7 ) The 2 payments I made in XXXX are NOT AT THE BOTTOM OF ANY BILLING STATEMENTS. They should be at the bottom of at least Mays Billing statement, BUT SOMEHOW HAVE VANISHED Please request documents as I have sent most in the previous complaint to you. While others are on the DiTech site webpage letters dated XX/XX/XXXX and XX/XX/XXXX are not on the site but were mailed to me and have been submitted to CFPB. If you need more documents please let me know. I am sending this complaint because while I have responded to the companies response on this site I do n't know if you received it so I am opening up a new opened complaint referencing # 's XXXX, XXXX, and XXXX
Company Response: Closed with explanation

Timely Response

2017-07-02

Arroyo Grande, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX I rec. 'd notice of servicing transfer from XXXX XXXX XXXX XXXX XXXX , XXXX ) to Ditech Financial LLC, XXXX. XXXX XXXX, XXXX, CA effective XX/XX/XXXX. On XX/XX/XXXX XXXX received last payment in the amount of {$2100.00} ( check # XXXX ). On XX/XX/XXXX I rec. 'd final escrow account disclosure statement from XXXX from XXXX XXXX through XXXX XXXX for an actual amount of {$1800.00}. On XX/XX/XXXX a loan history from XXXX was received indicating the principal balance is {$310000.00}. On XX/XX/XXXX a welcome letter was received from ditech, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, stating ditech will begin posting payments to our account on or about XX/XX/XXXX, and that we should be receiving our first statement from Ditech by mail the week of XX/XX/XXXX. On XX/XX/XXXX, a payment was posted by ditech in the amount of {$4200.00} ( check # XXXX posted from my bank account XXXX ). On XX/XX/XXXX, I received the first statement from XXXX indicating next payment is due XX/XX/XXXX, showing an escrow balance in the amount of {$640.00}, late fee balance in the amount of {$1500.00}, Corporate Advance Balance in the amount of {$330.00}. On 5/27/16, a payment was posted by ditech in the amount of {$2100.00} ( check # XXXX ). On XX/XX/XXXX, a payment was posted by ditech in the amount of {$2100.00} ( check # XXXX ). <P/>Since the beginning of dealing with Ditech ; they have been posting or may not be posting any of " paid mortgages '' towards the principle/interest/escrow. Instead Ditech is posting towards other fees that are not making any sense. When I first asked to provide documentation /verification to explain related fees, Ditech provided a copy of a contractual agreement with XXXX XXXX. ( auto loan that I once had ) stating this was the reason for applying fees. When I questioned it further, Ditech has not been able to provide me a " detailed answer '' as to how they got a hold of this auto loan and misapplied information towards the mortgage account. I keep receiving notices that are not related to any of my inquiries or they will provide statements stating " they are investigating further ''. In addition, I have repeatedly asked for copies of the original mortgage statements beginning in XX/XX/XXXX when escrow monies were transferred, and how the fees were to be applied. They have failed to do so. When I make monthly mortgage payments, Ditech applies it to " unapplied funds ''. Then they state it is because I modified a loan with them, which I NEVER DID! The loan was mortified way back with XXXX. Since modifying the loan, it has been transferred to many mortgage servicers, never have I received charges that are related to the modification that they are implying to. Then when they ca n't explain it, they make up another story as to why it is being charged. When I make monthly payments for the principle, interest, and escrow amount, and request on the check that it only get applied to such and nothing else, Ditech instead will apply the funds to " unapplied funds '', " corporate advance balance '', " deferred balance '', or other misc. charges that are being fraudulently charged. This is being done even though I specifically write on the check how I want the funds to be paid ( principle, interest, and escrow ). In addition, they are reporting to Credit Bureaus that I am late in my payments. Please investigate this further, there is something seriously wrong with this company. I also looked up if they were licensed and they are not. In addition, when they call, they disclosed themselves as a " debt collector '', which is even more complicated as they are not following FDCPA guidelines. I have written many letters and emails to this company and I am getting nowhere!!!
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-07-01

CA

Applying for a mortgage

Mortgage: Other type of mortgage

Complaint: Ditech refuses to subordinate their position in order for us to secure a Harp Loan from XXXX XXXX through the Harp Loan opportunity. They want us to pay for an appraisal plus bring {$7000.00} to the closing. We were already approved for the Harp Loan without an appraisal. We do not have {$7000.00} to bring to the closing. Ditech is holding us hostage by not remaining in second place for our mortgages. Ditech 's interest rate is 8.75 % and our first loan now is 6.75 %. We were able to qualify to lower our interest rate to about 4 %. This is awful that they are doing this to us. We were almost done with our Harp Loan. They ( Ditech ) is preventing us from continuing with our Harp Loan.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-01

East Selah, WA

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

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

Timely Response

2017-07-01

W Des Moines, IA

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

2017-06-30

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

2017-06-30

Bakersfield, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am trying to inquire with Ditech - " XXXX XXXX '' about how they are calculating my monthly payments which will change - adjust on XX/XX/XXXX. I have calculated the amount myself and with other mortgage companies. they are charging me {$1200.00}, and I have calculated a mortgage with {$1100.00} for a rate of 4.0 % {$190000.00}, - which is almost {$500.00} dollars more than what the loan amount will be at the time of the adjusted rate from 3.5 to the new rate of 4.0 %. So, my monthly P and I should be lower than both. Clearly they are overcharging me. I have called, and been hung up on after having a rep put me on hold for 20 minutes twice, and then she hung up at XXXX XX/XX/XXXX. I am about to get legal counsel, and form a class act as I can see I am not the only XXXX with this problem. I have called again, they will not transfer me to a supervisor, unless and continue to give my own personal information, of which has not helped in the past. I have asked XXXX XXXX, supervisors XXXX , to give me one good reason, why I should give my personal info any further, as I am personally now invested in protecting my own security, since they have been fraudulent, and not trustworthy. They have no answers for me, but please " hold '', " Bear with me '', and " im working on it. '' They also state I must give more personal info to talk with a supervisor. Please advise, as I will be consulting with my attorneys next week. <P/>Thanks. <P/>Ps. this is by far not the first horrible experience I have had with this company, and am looking forward to a Class Action Law Suit.
Company Response: Closed with explanation

Timely Response

2017-06-30

MO

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: I filed bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. Prior to filing, I received numerous letters in the mail from Ditech stating that I could have XXXX-XXXX applied toward my loan or some other option. In XX/XX/XXXX, I had my hazard insurance reduced as I had lost my car/home discount and it was just too much. I notified Ditech of the reduction and said to reanalyze escrow to reflect new amount. They said they would,. I was NEVER late with a payment before or after my bankruptcy. It took them until XX/XX/XXXX to redo my escrow amount and then did not apply that amount until XX/XX/XXXX -- -- making me " appear '' as if I was not making the full payment on my monthly mortgage. I called numerous times and it was only today, XX/XX/XXXX that I learned that will not reanalyze escrow during a bankruptcy. THAT IS RIDICULOUS-Then they told me that they have been applying my paymnets made to the previous month because there was a " shortage '' which again is ludicrous! But if not for the fact that they waited 6 entire months to adjust the 2 refunds I sent them to be applied to my escrow account, none of this would be happening! I 've spent HOURS on the phone with Ditech with them giving me one excuse after another and NEVER truly trying to resolve this. Every other month, I get mail from them informing me that I still owe them anywhere from XXXX-XXXX dollars from monies they are trying to extort from me, from THEM not doing their job in a timely manner and penalizing me, in indirect, nondescript ways for filing bankruptcy! If anyone owes anyone, Ditech owes me-Not only for their erroneous business practices, but for emotional and financial strain and trauma. They also denied a different type of modification for me to comfortably afford my mortgage, due to the bankruptcy and said I did n't " qualify '' even though my mother passed away and my income from both her and my employer decreased substantially! They also LOCKED ME OUT of online access to my account to make payments for free and only allowed me limited access!!! Then I find out today that I was totally locked out! THAT makes no sense, whatsoever!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-06-30

Chapmanville, WV

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

2017-06-29

Riverside, CA

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-06-29

Brooklyn, NY

Struggling to pay mortgage

Mortgage: FHA mortgage

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

Timely Response

2017-06-29

Shalimar, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: OnXX/XX/XXXX my mortgage company did multiple reallocations that amounted to subtracting payments totaling {$8300.00}. It resulted in adding over {$4500.00}. to principal, and almost $ 2k to escrow and interest, each. OnXX/XX/XXXX, In their detailed payment statement ( that I requested ), that amount was distributed back into my account, but it never happened. All that was shown for XX/XX/XXXX was a payment received. * I have called since XX/XX/XXXXrequesting an explanation and review, at least every other week. I have been assured of : a review, a call back within a few days and a written explanation but, have received none of these. The review of the Escrow account did finally result in a refund in that part. I have brought this information to my accountant, and we had a group discussion with the Customer Care representative, to the same end. I have turned my file over to him and my lawyer, at this time. I 'm hoping the pressure that your bureau can provide will finally get us a response. Thank you for your time and attention.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-06-29

Cheverly, MD

Incorrect information on your report

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

Account status incorrect
Complaint: This account was attached to an old property address of XXXX XXXX XXXX, XXXX, DE XXXX. This property went into foreclosure in the year of XX/XX/XXXX and XXXX owned this loan. At the time of the foreclosure, my ex-husband, was responsible for this account which then was owned by XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged inXX/XX/XXXX. Since I was the co-signer on this account, it is showing still active on my credit report. I have spoken with the previous representatives of the owners of this account which led to them agreeing to remove this account from the delinquent status and list it as a " charge-off ''. I requested for a letter to be sent to me to verity when this was complete, but to no avail.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-06-29

Freeport, NY

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