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 117
2017-06-15
Rochdale, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Our monthly payment increased from {$860.00} to {$1000.00} even though we have fixed rate mortgage. We ca n't pay that kind of increase with my dad 's unemployment and my mom 's health problems.
Company Response: Closed with explanation
2017-06-15
Staten Island, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER DITECH. I FAXED ALL DOCUMENTS TO THEM ON XXXX / XXXX / 17 AND CONFIRMED THAT THEY HAVE A COMPLETE PACKAGE AND THE FILE WENT TO THE UNDERWRITING DEPARTMENT ON XXXX / XXXX / 17 WITH A 30 DAY TURN AROUND TIME FOR A DECISION. I HAVE A XXXX XXXX LOAN SO LOOKING UP THE GUIDELINES FOR ASSISTANCE WAS PRETTY EASY AND AS WELL AS LOOKING AT THE GUIDELINES ON WHAT TO EXPECT ON THE CFPB WEBSITE TO ENSURE I AM NOT TAKEN ADVANTAGE OF. I CALL WEEKLY, EVERY 5 B USINESS DAYS AND EVERY TIME THEY STATE THE FILE IS IN REVIEW AS OF XXXX / XXXX / 17 WITH NO DOCUMENTS NEEDED. WE ARE NOW ON XXXX / XXXX / 17 OVER 3 MONTHS IN THE UNDERWRITING DEPARTMENT, WHEN I QUESTION A DITECH RE PRESENTATIVE ABOUT THE LENGTH THEY GIVE ATTITUDE AS IF I AM BOTHERING THEM AND STATE SORRY YOU FEEL THAT ITS TAKING A LONG TIME AND THEN END THE CALL. I CANT GET ANYWHERE WITH THIS SERVICER AS THEY ARE RUDE AND DONT CARE ABOUT THE BORROWERS OF THE INVESTORS THEY ARE SERVICING. I SPOKE TO XXXX AT EXTENSION XXXX WHO IS APPARENTLY ASSIGNED TO MY FILE WHICH I ASKED IF I CANT MAKE A PAYMENT BECAUSE I AM IN FORECLOSURE AND IT IS TAKING YOU OVER 3 MONTHS TO REVIEW MY FILE WHICH IS CAUSING ME TO BE MORE DELINQUENT HOW IS THAT RIGHT, HER RESPONSE WAS WELL SIR YOU WERE ALREADY DELINQUENT WHEN YOU STARTED SO ITS NOT OUR FAULT.
Company Response: Closed with explanation
2017-06-15
Alta, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XXXX applied an impound account to our mortgage due to unpaid property taxes ( XXXX ). These taxes were included in our bankruptcy and should not have been paid to XXXX . Our attorney opened a motion with the courts and XXXX then removed the impound account. Looking back at our monthly payments with XXXX during the time they applied the impound account it looks as if they miss applied the funds making it look as if we were a month behind. Moving forward XXXX sold to Green Tree and then to Ditech. O ur final payment to XXXX was on XXXX / XXXX / XXXX but was applied to XXXX instead of XXXX . We were still in bankruptcy so we were unaware of this, as this is not noted on any of our statements. At the end of our bankruptcy in XXXX we were contacted b y Ditech sayi ng we were 30 days late on our payment. We have disputed this with XXXX , Green Tree and Ditech. Nobody from any of these companies have given us a date as to when a payment was missed. It all started during the escrow impound account that XXXX imposed on our account. We have bank statements showing all payments were made. There should be no late payments reporting in XXXX . Please review proof of payment history and Bankruptcy documents.
Company Response: Closed with explanation
2017-06-15
Ellenwood, GA
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
2017-06-15
Jamaica, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-15
MD
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I was behind on my mortgage and was working on paying the arrears and trying to bring it current. I would call the mortgage company, Ditech.com, and speak with a representative to have them take my payment over the phone. At no time, until today, did any of the representatives tell me that I was in danger of going into foreclosure. They would accept the payment and I would be on my way. My sister offered to pay all of my arrears and bring the mortgage current with me then owing the XXXX XXXX payment. We called, conference call, the mortgage company today and spoke with XXXX . She gave us the information regarding how much was owed in actual payments and how much was owed in late fees, providing us with a total amount due to bring the mortgage current. She took my sister 's payment information and actually processed the payment. She provided me with the email showing the processed payment. She said since it was after XXXX when the transaction was processed, that my sister could look for the payment to take as long as Monday to show up in her account. My sister then proceeded to ask her other questions regarding the loan, such as pay off information, etc. It was during the asking of those questions that XXXX using her system to search for the answers that she all of a sudden noticed that my account had been sent to the attorney, according to XXXX the account had been sent today, for foreclosure processing. She subsequently backed out the payment she had just processed and send an email showing this payment cancellation. It was at this point that we asked to speak with her supervisor, XXXX , to ask if the paperwork could be pulled back from the attorney, since it just went in today. XXXX then tried to backtrack and say the paperwork had actually been sent yesterday and an attorney had been assigned today. So he was n't sure if it could be pulled back without any attorney fees being attached to the amount already owed. He said he would see if that was possible to do. We also asked that no additional late fees be attached to the payment being made because since it was already the XXXX and late fees are charged after the XXXX , if they waited until tomorrow to pull it back we did n't want to have to pay a late charge for XXXX XXXX because we were trying to resolve the problem before a late fee would be due for XXXX XXXX . XXXX then tried to assert that no late fee would be assessed until the XXXX ; however, the contract calls for late charges to be assessed AFTER the XXXX . Here again I was being misled to believe that I would not be subject to a late charge while they try to pull the account back from the foreclosure attorney. I dont trust that Im being told accurate information by the individuals working in Ditechs collections department. Part of the issue is that no notice, other than one they said they had sent in XXXX XXXX , or verbal communication with their representatives, was sent saying that as of yesterday the mortgage would be placed in foreclosure. The company has also not contacted me about any mediation process, as required by law, to resolve the problem prior to sending the account to the attorney to file foreclosure proceedings. If we had not called today to try and clear everything up, I think my house would now be in foreclosure and I would shortly have a sale date on the property.
Company Response: Closed with explanation
2017-06-15
Winchester, VA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-06-15
Canaan Lake, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-06-14
Rochester, WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-06-14
Foothill Ranch, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I modified my mortgage initially with XXXX back in XXXX . My loan wa s sold to Ditech. After repeated complaints/contact Ditech finally applied my HAMP Year Six Pay for Performance incentiv e of {$5000.00} to my loan ( XXXX / XXXX / XXXX ). It is my understanding that after final incentive is applied to lo an, Ditech must offer to reamortize my loan. Ditech has refused -
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-06-14
Albuquerque, NM
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I am trying to help my mother pay down the principal on her mortgage payment and have been sending extra payments to help with this. Each time since XXXX , any extra money gets applied to future interest and I have had to call each and every time to get the money appropriately applied to principal. It happened to the payment in XXXX 2017 ( e lectronic payment th at STILL h as NOT been applied to principal ), another in XXXX that was finally rectified ) and the one in XXXX also had to be fixed. I stopped sending electronic forms of payment because they still have not fixed that amount that was sent in XXXX and instead have been sending checks since then - ea ch one wrapped with a note saying " PRINCIPAL ONLY '' in black sharpie. The last check sent in XXXX also had this written on the check in two plac es- I have an image of the check I can submit. She has electronic statements so there is no payment coupon that I can indicate for principal only on. So I have now kept records of each and every phone call that I have had to make starting on XXXX XXXX , 2017- called about {$310.00} that was again misapplied and asked again about the {$40.00} sent on XXXX XXXX electronically that has STILL NOT been applied to principal. They said they would fix and would take up t o 10 business days. 10 business days seem illegal. Also asked for a supervisor to call me because there should have been a note indicating any additional payments go to principal - I never received a phone call. ( this was a 15 minute phone call ) XXXX XXXX , 2017 - account now showing it is a partial payment. The representative supervisor, XXXX ( ID is XXXX ) told me that they have until the XXXX to do a reallocation, but that they would expedite it. Also inquired about the electronic {$40.00} that still had not been applied correctly. Told again that there would be another note indicating any extra should go to prinicipal. This is now th e THIRD note that should be on this account indicating this ( 25 minute phone call ). XXXX XXXX , 2017 - funds still not reallocated. They eventually were. XXXX XXXX , 2017 - received an email indicating that the funds I was inquiring about in XXXX were for payment not principal and that 's why they were applied as such. I never questioned the XXXX payment of {$760.00} dollars that is my mom 's PAYMENT. I understand that, and never inquired about it. It also said that moving forward, that any additional payments would be applied to principal. XXXX XXXX , 2017 - the check they received has " PRINCIPAL ONLY '' written on it in 2 places, it was also written numerous times on the note it was wrapped up in. I can retrieve images of the check from my bank if need be. Moving forward I will also be taking pictures of how exactly the check is wrapped in a note indicating PRINCIPAL ONLY also. This again was applied to interest. Called Ditech again, and this time it took them longer because they could not find the account number, they could not find the account with parents phone number, they finally found it after I gave my father 's social security number. I was told it will take 5 business days for them to reallocate the funds, and there will be a note indicating that any extra should go to principal - so now 4 to 5 notes indicating this and it still does n't help? Each day t hat Ditech illegally misappropriates funds is more money that they make because they are charging interest on the principal. I have never had any kinds of issues with my mortgage company, but then again they are n't of questionable business and moral business practices.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-06-14
San Marcos, CA
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
2017-06-14
MA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I agreed to a settlemen t with Ditech a nd paid it in full. Payment was received on XXXX / XXXX /17. It is now 85 days later and they have not released the lien. I have called once or twice a week since it was paid. The state of Massachus etts, Chapter 63 of the Acts of 2006 give them 45 days to release. I gave them double this time and still nothing has been recorded. I have been telling Ditech for years that they never reassigned the loan, and now they are trying to say that is new news and they are working on it but it should not take 85 days and counting. XXXX also did not send me an official payoff statement that references this loan or has the language that the law stated above said I should receive, even though I sent them the documentation on this law XXXX XXXX .
Company Response: Closed with explanation
2017-06-14
Bel Alton, MD
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-14
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-14
East Millstone, NJ
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-06-13
Hinkley, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: My loa n is XXXX XXXX o wned. my home mortgage is serviced by Ditech. i have countless issues with Ditech and their practices. i applied for a streamline refinance with Ditech. was told over phone by loan processor i have eligibility that is to expire soon. but received letter on XXXX / XXXX / 2017 Ditech denied application, refuses to return phone calls. i have left countless messages with my loan processor. no response, no explanations given. very un satisfied. Ditech is not practicing under the rules and guidelines set by XXXX XXXX . my application for streamline refinance was unlawfully denied. Ditech does not adhere to laws, guidelines, nor regulations set forth by federal laws or state laws. Ditech Services is inadequate and of no benefit to its costumers. Ditech business practices is harmful to homeowners and destructive to the industry. Ditech has violated my homeowners rights and is not adhering to housing regulations laws. Ditech has not followed XXXX XXXX guidelines. Ditech mortgage needs to be investigated and licences revoked for deceptive fraudulent business practices.
Company Response: Closed with explanation
2017-06-13
Itasca, IL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My husband passed away and XXXX times I have faxed and mailed to them the DEATH CERTIFICATE to remove my husbands name off of the loan. They have not done so, even thought they have promised many times. I want his name to be removed. I am attaching the death certificate again to you in order for his name to be removed from the loan.
Company Response: Closed with explanation
2017-06-13
Lake Elsinore, CA
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
2017-06-13
Bakersfield, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-06-12
Foothill Ranch, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have asked Ditech several times this week XXXX more recently on Friday, XXXX XXXX , XXXX ), to e-mail me the statements from XXXX , XXXX , XXXX , along with a recent escrow analysis that was completed in XXXX , XXXX . I have received nothing via e-mail, though the customer service representatives have told me that they have sent the documents. What prompted the e-mail document request is that I am unable to login to the account via the Ditech online system, to be able to download the documents myself, since I do not receive paper documents via mail, anymore. I requested a reset " password '' link several times, and it does not work. I have been told by the customer service reps. that the login features have not be working since at least XXXX XXXX , XXXX . Currently, since I am unable to access the login features of the website, I am unable to use the online payment features of the website, in addition to not being able to download documents. I am told that I am not the only XXXX experiencing this problem. And, the customer service reps. are unable to provide any information as to when the account login features will be available. I never had this kind of trouble when my loan was with XXXX . The fact that the account login portion of the website has been inaccessible this long is inexcusable, especially since Ditech encourages its customers to use web-based services, instead of the U.S. mail. I am also annoyed by the fact that Ditech has made no efforts to put a notice on the website, to notify people that the website is having technical issues.
Company Response: Closed with explanation
2017-06-12
NY
False statements or representation
Debt collection: Mortgage debt
Attempted to collect wrong amount
Complaint: The company alleges that a deferred payment arrangement initiated by me the debtor has resulted in a Deferred Balance of {$580.00} ; in addition to the remaining Principal and Interest on this account. According to the original agreement, the terms of the loan were as follows : Finance charge : {$26000.00} ; Amt. Financed {$15000.00} ; Total of Payments {$41000.00} ; Number of Payments 240 ; Amount of Payments {$170.00}.
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The company alleges that I verbally requested this deferral on three different occasions ; once in XXXX , once in XXXX and once again in XXXX .
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These payments commenced on XX/XX/XXXX and were sent to the debt collector via wire transfer by XXXX XXXX XXXX XXXX XXXX located in XXXX , New York. Accordingly, no payments were ever missed ; nor were there ever any requests made by me for a deferred payment arrangement either verbally or otherwise.
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I have asked the company on several occasions to provide me with any documentation or any proof they obtained from me that would confirm that I asked for any type of deferred payment arrangement. I was told today ( XX/XX/XXXX ) that all that was required to obtain such a deferment was a verbal request by me.
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I am denying that I requested any such arrangement. I also am requesting that Ditech adjust their billing to reflect the appropriate balance to coincide with the agreed upon payoff date of XX/XX/XXXX .
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Any assistance you can provide would be greatly appreciated.
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Thank you in advance, XXXX XXXX XXXX XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-06-12
Madison, WI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I was required by the bankruptcy agreement to resume mortgage payments to Ditech Financial on XX/XX/XXXX. I called Ditech on XX/XX/XXXX to make a phone payment. I was told that they would not accept a payment because their system did not have any information about my account. I explained that I was required to make a payment XX/XX/XXXX. I was told by the Ditech representative to wait for a letter with payment instructions and that I could not make a payment at that time. When no letter arrived by XX/XX/XXXX, I called Ditech again to make two payments - one for XX/XX/XXXX and one for XX/XX/XXXX. They again told me that they would not accept payments because my account was not set up to do so. I explained that I was required to make payments starting in XX/XX/XXXX, I was told that they had no information about the bankruptcy requirements and that I should wait for a letter with instructions and that they would not accept payment. When XX/XX/XXXX came and still no letter and fearing that I would be in violation of the bankruptcy agreement, I went on-line and submitted a payment. I was not able to access my on-line account prior to that. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX attorney ( which I 'm assuming is related to Ditech ) letting me know that my mortgage is being foreclosed because I did not make the XX/XX/XXXX and XX/XX/XXXX payments. I contacted Ditech again on XX/XX/XXXX. I asked why I was told that Ditech would not accept my payments in XX/XX/XXXX and XX/XX/XXXX and they could not provide an answer, however, they did confirm that I was indeed told that I could not make payments in XX/XX/XXXX and XX/XX/XXXX. The Ditech representative advised my to consult with an attorney before making an additional payment - again, telling me not to make payments. The representative would not confirm that my XX/XX/XXXX payment would be applied to my account but did confirm that Ditech received it. Ditech purposely lied to me and refused to accept my payments in order to foreclose on my home. This company should be investigated. I need to hire any attorney to resolve the issue.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-12
Tarzana, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Repeated request for documentation that has been provided during a lengthy loss mitigation review with my lender, Ditech. Previous concerns as they had failed to acknowledge of my denial under " Keeping your home California '' program in the month of XXXX , XXXX . Since XXXX of XXXX , I have applied under a new review with Ditech and my file was closed out in XXXX due to " request for cancellation '' This is false, as I have never requested such thing to jeopardize my foreclosure. I am now again, in an active review, but am being asked for documentation again that I have provided via mail as I want to ensure this problem is resolved. No matter what I do, I feel as if I am being rejected from my cry out for help.
Company Response: Closed with explanation
2017-06-12
Ridley Park, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with monetary relief