Ditech Financial LLC

2017-06-21

Tacoma, WA

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

Timely Response

2017-06-20

Vernon Hill, VA

Closing on a 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

2017-06-20

Danbury, CT

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-06-20

Detroit, MI

Attempts to collect debt not owed

Debt collection: Mortgage debt

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

Timely Response

2017-06-20

Tucker, GA

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: Company - ditech Started dealing with them on XXXX XXXX, XXXX until present I was provided with incorrect information to pay off my loan. I was told that I could pay it monthly until it was paid off However, this company lied and reported my account past due to the credit agencies. I had not missed a payment. I was not given a date to pay it off -- just pay until it was paid off. I have contacted them. But to no avail. As of XXXX XXXX, XXXX, it was paid in full. I am requesting the company to correct my status with the Credit Bureaus to PAID AS AGREED. Also, this company has reps that provide incorrect information on a daily basis. Please advise. Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-06-20

Rochdale, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My mother died in XXXX XXXX but XXXX XXXX XXXX forge my mothers name in XXXX XXXX, XXXX had it notarized and everything for a home loan modification. Soon as I saw the signature I knew it was n't my mothers and I knew it was fraud. And now they put my house in foreclosure and trying to foreclose on my house this is wrong this is a crime and this is against the law. Ditech financial is the mortgage service company.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2017-06-19

Oxford, GA

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I have a loan with DITECH. I applied for a loan modification XXXX XXXX . I was approved for a trial modification in XXXX XXXX . I had to comple te four ( 4 ) t rial payments by XXXX XXXX . I completed my trial payments in XXXX XXXX bu t DITECH has not sent me anything in writing regarding the approval of my loan modification. I was advised by my account rep to continue to make the trial payments because the modification docs are not " ready '' ; however, I have not received any documents or anything in writing from DITECH assuring me that my modification has been approved. Even though the trial period is over DITECH continues to report negatively to the credit bureau they also continue to do collection calls and I have to keep reminding the DITECH representative that I 'M IN A MODIFICATION PROCESS. But it always seems like no one knows the status of my loan modification, and they refuse to put anything in writing! ... its like they are waiting to send me to foreclosure. Why is it that they do n't have to put anything in writing during this process? I 'm just trying to keep my home but it seems like my lender has no interest in helping me do that. Please let me know what I can do to get something in writing from DITECH regarding my modification status
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-06-19

Paris, TX

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

2017-06-19

Loudonville, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-19

NV

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My loan with Ditech Financial L.L.C. XXXX XXXX, XXXX XXXX, SD, XXXX, Phone XXXX, was paid in full ( closed ) on XX/XX/XXXX. I had set up automatic debit to pay my monthly mortgage with the funds withdrawn from my checking account on the XX/XX/XXXX of each month. No one told me to call Ditech to stop the automatic payment. Since the loan was pain on XX/XX/XXXX, I did not anticipate Ditech would withdraw my payment on XX/XX/XXXX in the amount of {$2200.00}. When I logged onto my checking account I was horrified to see Ditech withdrew the funds even though the account was closed. I called customer service on XX/XX/XXXX and they stated it was my fault and a separate department handled this matter and they would process a check in 30 days and mail it to me. I asked if they could refund the money to my account electronically and they said NO. I called again on XX/XX/XXXX and spoke with supervisor XXXX, Ditech ID : XXXX, who stated there was no way to expedite my refund. They will not pay interest on the {$2200.00} they owe me. I think this debit of my money is wrong. Since they have a special department to handle the refunds of automatic debits after the loan is closed, I suggest they do this frequently and use this as a means to earn money and interest on the money to the detriment of the consumer. My initial loan was with XXXX in XX/XX/XXXX and they sold the loan to Ditech. I did not choose Ditech as my mortgage company. I hope your agency will take action regarding Ditech 's practices. I think if I had n't told them to stop the automatic payment on XX/XX/XXXX, they would continue to debit my account without regard for the XXXX balance on the account. Thank you for your considerate attention to the above and I hope you will be able to expedite my refund. I hope there is some recourse against Ditech to prevent this from happening to others.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-06-18

Miami, FL

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

2017-06-17

Scottsdale, AZ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Our issue wi th Ditech beg an in XX/XX/XXXX . Our mon thly Mortgage payment that is due is {$1000.00}. I always pay a little more each month. Typically {$1100.00} to make it an even number. <P/> In XX/XX/XXXX , I accidently paid our regular mortgage payment to the Home Equity Account that is also on the property Instead of the Mortgage Account in error. I n XX/XX/XXXX after the XX/XX/XXXX we began receiving calls that we did not make our monthly mortgage payment and I discovered my error and Immediately made the payment o n XX/XX/XXXX fo {$110 0.00}. This is the amount we were told by the ditech rep over the phone that was due and included late fees. To insure that this would n't happen again, I started paying our monthly payment early each month. On XX/XX/XXXX I p aid {$1100.00} and on XX/XX/XXXX I paid {$1100.00} because we received a notice that the amount needed for our monthly escrow account payment had increased. Per our statements, fro m Ditech, the XX/XX/XXXX Payment on XX/XX/XXXX was not applied to our account. It shows received but was no t applied. Th e XX/XX/XXXX p ayment was applied to principle, interest and then a huge payment to the escrow account of {$690.00}. Per the escrow account statement/analysis as of XX/XX/XXXX it sh ows that the escrow account payment should be {$180.00}. I received a phone call in XXXX that we owed {$89.00} in late fees so I paid it right away on XX/XX/XXXX not wanting to argue with them further on the phone since everyone I spoke to on the phone claimed everything has been corrected on the account and we owed these funds. The {$89.00} payment was also not applied. To say it has been frustrating is an understatement. Multiple calls a week from Ditech an d multiple conversations stating that they have already corrected the problem and we need to make more payments. Moreover, Ditch 's g ross negligence of our payment appropriation between escrow, principle and interest caused some alarm. I began reviewing our escrow account and payment application since the last escrow adjustment in XX/XX/XXXX . Per th e XX/XX/XXXX esc row accounting there was a shortage of {$16.00} each month which increased our payment from {$1000.00} to {$1000.00}. If you look at our statements we have paid more than that amount each month, however, ditech has not applied the escrow account appropriately ( per their own statements and documents ). At the end of XX/XX/XXXX we received another escr ow statement showing that the payments they have been using were {$1000.00} and not the {$1000.00} per the escrow statement we had been sent as of last year. Future monthly payments would be {$1100.00} to make up for the shortage. I reviewed the history of the payments applied to our escrow account from our monthly mortgage payments and much to my chagrin in was extremely inconsistent. Some months they took {$160.00}, then {$160.00}, or {$200.00} and most recently {$690.00} from our monthly payments to apply to our escrow account. I realized that the varying payments to our escrow account each month would affect how our mortgage was being paid off overall.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with monetary relief

Timely Response

2017-06-17

Orange Park, FL

Incorrect information on your report

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

Account status incorrect
Complaint: I am XXXX XXXX military and received permanent change of duty ord ers in 2014. Due to time constraints I had no choice but to select a hardship short sale option as entitled under federal law. Once the sale was final, I continued to receive threatening calls from Green Tree to pay the remaining balance of which I was forgiven. I did not suffer penalty under federal tax laws. I was not informed that the reconciliation would impact my credit and was resolved to the fact that it would n't, as a derogat ory status did not appear on my credit report for up to a year. I recently discovered that Green Tree submitted my account to collections as there is now a derogatory status from a company called DITECH. I have submitted a dispute to XXXX XXXX XXXX XXXX shows the account as settled.
Company Response: Closed with explanation

Timely Response

2017-06-17

Clarkston, MI

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

Timely Response

2017-06-16

Spring Hill, FL

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Our bankruptcy was discharged in XXXX which included a mortgage on a home. Original holder was XXXX , which was bi=ought by XXXX XXXX XXXX XXXX then s pun off to various other entities. We are dealing with Ditech Financial LLC. We have advised them numerous times over the past 7 years that the property was foreclosed upon by the property management firm, XXXX of XXXX XXXX , Florida. The house was sold by them. <P/> We constantly receive mailings and phone calls from persons who do not give their names a t Ditech. We explain what ha ppened, are promised that the file will be closed, but they STILL send notices and call us. They say they are not attempting to collect, however, they are looking for a payment in excess of {$150000.00}! <P/> We do not want to take the step of retaining an attorney and suing for harassment, etc., but what other recourse do they leave us? <P/> The Ditech ac count number referenced is XXXX
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-06-16

Chicago, IL

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

2017-06-16

Colo Spgs, CO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Our mortgage was transferred from GreenTree to DiTech Financial i n XX/XX/XXXX and was paid in full on XX/XX/XXXX . As per DiTech Financials payo ff letter, our principal balance was {$13000.00} ; our escrow balance was {$1200.00} ; interest was {$34.00} good throug h XX/XX/XXXX . Inter est per day was quoted as {$2.00}. DiTech received a check on XX/XX/XXXX for {$13000.00}. DiTechs principal a nd escrow balances matched my recordkeeping. Ditech mailed an escrow check for {$1200.00}. Their check to us was {$58.00} short! I called the company o n XX/XX/XXXX to inq uire as to why our check was shorted {$58.00}. I was told it was because our payoff check was short and they took {$58.00} from our escrow to close the account. Knowing this was not correct, I asked for an explanation. The customer service agent agreed that the payoff was not short and stated she was sending our account to loan servicing for a review. I was told the same story on my subsequent phone calls on XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX . O n XX/XX/XXXX , I mailed a certified letter to Ditech asking for an explanation. Finally, I received a letter from DiTech dated XX/XX/XXXX stating their records indicate the payoff was NOT SHORT and this account was paid in full and closed on XX/XX/XXXX . The letter didnt say anything why o ur escrow check was shorted and didnt include a check for {$58.00}. The letter did state if I had any further questions or concerns, to please contact ( XXXX ) XXXX . As such, I made more calls on XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX . Again, I was told the same story, our account would be sent to loan servicing and I would receive a call back. It has now been 10 months and DiTech has failed to respond, has lied, and uses diversionary tactics. I am DEMANDING DiTech immediate ly send a check for the {$58.00} they owe us from our escrow account!
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-06-16

FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Im in need of dire help with Ditech at this tim e. I got behind on my Mortgage back in XXXX of XXXX due to major medical diagnoses of my daughter. I started working with dictech in XXXX XXXX to get modification or payment plan and catch back up. I was told for months that my modification was either being reviewed or missing documents I continued to resubmit these same documents over and over and each time I cal led ditech was told everything was fine and these things take time to keep resubmitting. I contacted Ditech i n XXXX to jsut ask if I could set up a payment plan since my amount past due was n't a high amount they told me no that i was being reviewed for am Modification. In XXXX of XXXX I once again spok e with Ditech and was told I was very close on my modification and to submit paystubs one more time a nd to not worry about any Foreclosure. On XXXX / XXXX / XXXX I spoke with a ditech Representative who allowed me to set up a tow payment arrangement of {$1200.00} and then {$1600.00} and it would bring the account current I agreed and was then served a Notice to foreclose on the following Monday XXXX / XXXX / XXXX . How could I be in line for Modification and a Payment Plan and now being served Foreclosure papers. I have a XXXX Daughter and have the funds to pay my past due and keep my home at this time. I need help understanding the Dual Tracking Process that is happening to me at this time.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-06-16

Stilesville, IN

Incorrect information on your report

Mortgage: VA mortgage

Complaint: XXXX DI TECH Financial LLC XXXX . XXXX XXXX XXXX XXXX SD, XXXX Contacted them o n 3 different occasions and offered to provide them with any documentation needed to get this off of my credit. This account does not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-06-16

UT

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: OUR MORGAGE WAS SOLD TO DITECH AND SINCE WE HAVE HAD NOTHING BUT ISSUES. WE CONTINUALLY HAVE TO CALL THEM ABOUT OUR ESCROW ACCOUNT THAT WE NEVER HAVE SET UP. WE PAY OUR OWN TAXES AND INSURANCE. WE WILL MAKE THE REGULAR PAYMENY ONE MONTH AND THE NEXT IT HAS JUMPED TO OVER 300 $ MORE. THEY SAY ITS A INCREASE ON OUR ESCROW. WE HAVE SENT PROOF TO THIS COMPANY TWICE WITH A STATEMANT FROM OUR INSURANCE AGENT. THAT RESULTED IN THEM PAYING OUR INSURANCE. OUR INSURANCE AGENT CONTACTED DITECH ON THE MISTAKE AND SENT PROOF AGAIN OF PERSONAL PAYMENT. OUR INSURANCE COMPANY SENT THE PAYMENT BACK. THE MONTH OF XXXX WAS CORRECT BUT THE MONTH OF XXXX AND XXXX IS NOT. THIS IS AFFECTING OUR CREDIT. WE ARE TRYING TO GET OUT OF THIS LOAN WITH THIS COMPANY AND OUR PAYMENT HISTORY WITH DITECH IS THE REASON WE CAN NOT. I WILL NOT PAY THEM MONEY I DO NOT OWE JUST TO SAVE MY CREDIT. THEY ARE AT FAULT AND IM NOT SO SURE THEY WILL REFUND ME IF I DO OVER PAY.THIS PROBLEM HAS BEEN GOING ON SINCE XXXX XXXX . THEY FIX IT AND IT REVERTS BACK AND WE HAVE TO FIGHT THEM TO CHANGE IT.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-06-16

Chantilly, VA

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2017-06-16

Strasburg, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My house that was owned by my mother and willed to me is in foreclosure and set to be auctioned in XXXX. This is happening even though I have been told that I qualify for and fit into modification guidelines for help. My issue is that Di Tech Financial has failed to conduct any type of review of my financial situation or assign a dedicated account manager to work with me. I had some financial issues in the past but my income and employment is steady and my current wife works as well. We could easily afford a reasonable payment if DiTech Financial were to review us for any of their internal or government programs. This is a conventional fixed rate loan and there should be some type of modification program for XXXX XXXX and XXXX XXXX loans that DiTech could look at. Our problem is that they are passing all of this by and just trying to do a foreclosure sale on my home. My problems with this loan began in XXXX when I was going through a costly divorce. I could not keep up with the payments and fell behind. I contacted the servicer at the time ( Greentree I believe ) and they reviewed my information and told me that I was eligible for a loan modification. I began the process but my ex-wife ( who was listed as co-borrower at the time ) was not cooperative. We fell further behind and then together we decided the best thing to do was reinstate the loan and pay all the past due amounts. We did this and then got the divorce finalized and the house was awarded to me. However, I had a couple of bad seasons which affected my employment and income ( I work as XXXX XXXX/XXXX ) and fell behind on the loan again. I am once again trying to resolve this matter and get considered for some type of assistance but cant get to first base with DiTech. My income is back to where it used to be and my current wife is employed as a XXXX and together we earn sufficient income to qualify for assistance programs. The problem is that Di Tech Financial will not even give us a chance to be considered for retention options, even those that they are required to offer on conventional loans. Instead they have moved to auction our home on XXXX XXXX without even giving us a chance.
Company Response: Closed with explanation

Timely Response

2017-06-16

So Effingham, NH

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-16

Gar Creek, IN

Attempts to collect debt not owed

Debt collection: Mortgage debt

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

Timely Response

2017-06-16

Carver, OR

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