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 118
2017-06-12
San Gabriel, CA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: Property is upside down. origanal loan {$140000.00} ( 2008 ) payments made for 10 years ( $ XXXX/mo ) currently owe {$140000.00}, property valued at - {$70000.00} ( trying to return property to mortgage holder ( deed in lieu ) ( no second ) property located in national forest federal land. ( cabin ). No cooperation from mortgage holder.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-12
WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I 've been working with Ditech re garding loss mitigation options, I have been submitting all documentation requested on time and following up for updates 3 times a week. Since XXXX XXXX , XXXX I have not been able to receive a call back from my Point of Contact XXXX . Numerous voicemails have not been returned and when calling Ditech to speak with anyone, they all direct me to her voicemail leaving it impossible to receive an update on my status that I have been working so long on.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-12
TX
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-10
Boston, MA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-06-10
FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: This is a 30 year fixed mortgage with DiTech, however the keep changing the monthly due amounts every month. It has been changed 3 times in 3 months, going up, then down, then up higher. each time a {$20.00} difference So when they do n't receive the exact amount and received the amount that is the same as the previous month they charge a late fee. The late fee is bigger than the difference in the payment amount. <P/> They do not send statements on time, so they are trying to trick me, an successes in paying different amounts. This is a game of gotcha
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-09
Stuart, 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
2017-06-09
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
2017-06-09
San Jacinto, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I paid my XXXX bill on time. The escrow in the account was just re-evaluated and I sent in the incorrect amount. I paid {$820.00} when I should have paid {$870.00}. This is totally my fault that I did not put the entire amount correct due to the escrow change. My contention is that the mortgage was paid the other amount goes into an escrow account until needed. They sent information to the credit companies stating that I did not make a payment. I clearly made a payment but I have been treated as if I had paid nothing. This was clearly a mistake on my part. The problem is being treated as if I did not even attempt to make a payment. As a result, m y credit score has dropped by XXXX points. <P/> I have asked that they send a retraction to the credit companies and they will not do so. <P/> I do not know if this is a federal regulation or if this is company policy from my Ditech my mortgage company. I need more help than just a supervisor saying no we did not receive the entire amount and I ca n't help. I work hard to impro ve my credit score and this has destroyed it from a very good score down to a average score.
I do not have the choice to p ay my taxes and insurance on my own, and do not have the choice of changing my loan servicing company. At this poin this is what I would like to do.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-06-08
Mesquite, TX
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
2017-06-08
WI
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT MY FILE HAS BEEN DEEMED COMPLETE ALL REQUESTED DOCUMENTS SINCE XXXX / XXXX / XXXX . I CALL WEEKLY AND NOTHING CHANGES, NO DOCUMENTS BEING REQUESTED OR ANYTHING ELSE BESIDES IN REVIEW ALL DOCUMENTS HAVE BEEN RECEIVED. I HAVE A XXXX XXXX LOAN SO I WENT ON THEIR WEBSITE FOR MODIFICATIONS AND READ THAT THE LENDER HAS 30 DAYS TO ISSUE A DECISION ONCE THEY DEEM MY FILE COMPLETE AND SEND IT TO THE UNDERWRITING DEPARTMENT. I CALLED TODAY XXXX / XXXX / XXXX AND WAS INFORMED THAT AS OF XXXX / XXXX / XXXX A LETTER WAS SENT OUT STATING THAT MY FILE WAS DEEMED COMPLETE AS OF XXXX / XXXX / XXXX WHICH IS NOT TRUE DUE TO I WAS TOLD THAT SINCE XXXX / XXXX / XXXX . MY DOCUMENTS ARE VERY OUT DATED AS THEY ONLY HAVE XXXX AND XXXX DOCUMENTS. I KNOW THAT ONCE SOMEONE ACTUALLY TOUCHES MY FILE THEY ARE GOING TO START ASKING FOR DOCUMENTS AGAIN AND WHEN I ASK IF I SHOULD UPDATE THEM THEY SAY NO, THIS WILL SLOW DOWN THE PROCESS EVEN MORE. HOW CAN I GE T DITECH TO HEL P ME IF NO ONE DOES ANYTHING. THE REPRESENTATIVES THAT I SPEAK TO ARE ABSOLUTELY RUDE AND DONT CARE OR GIVE ANY CUSTOMER SERVICE. I AM JUST LOOKING FOR THIS SERVICER TO ACTUALLY DO THAT WHICH IS SERVICE MY ACCOUNT FOR MY INVESTOR WITH 100 % CUSTOMER SERVICE AND KNOWLEDGE SO I CAN TRY AND SAVE MY HOME.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-06-07
Federal Way, WA
Incorrect information on your report
Mortgage: Conventional home mortgage
Complaint: My compla int is about Ditech Mortgage company,. It has been a nightmare trying to communicate with this company. My husband and I are tired of Ditech rep orting us late to the credit bureau agencies. <P/> This has been occurring for years and the most recent was XXXX 2017 . We schedule payments online so we will not be late. Years ago, I will mail a check on the XXXX of the month and they would say that they did not receive it until the XXXX . Which would make us late. <P/> We decided to make payments online because of this reason, and we are still being reported late. <P/> I called the customer service and the agent told me that the system does not recognize when you make a payment early. We started making payments between XXXX . <P/>
Ditech has so me shady practices and they need to be investigated seriously.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-07
Guttenberg, NJ
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
2017-06-07
Fresno, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Purchased home that was forclosed twice directly from Ditech in XXXX I was told all XXXX and XXXX taxes and home owners fees would be paid by them since i wasnt living there when the fees occured. And I would only be liable for XXXX Hoa and taxes. I recieved a letter from the Home owners Association i n XXXX stating the XXXX was n't paid and a lien could be put on my home.I contacted ditech and ask why they didnt pay the XXXX Hoa fees and did the XXXX taxes come out my escrow. Causing additional shortages in my escrow account in my previous complaint. Its been two months still no answers.My payment went up {$300.00} from escrow errors .This company constantly makes mistakes and hold the consumer responsible.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-07
Gig Harbor, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-07
Fort Hill, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-06
Hon, HI
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-06-06
MD
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Dear Consumer Finance Protection Bureau, I have been having a problem with the Ditech LLC, loan servicer for my mortgage. <P/> After months of working to negotiate a loan modification I have been denied. The loan modification process was fraught with constant frustration in dealing with Ditech which has insisted repeatedly on applying grossly inaccurate and incorrect information to my application. <P/> At this point I have no idea whether I would qualify for a loan modification or not, but I have concluded th at Ditech was never working in good faith to determine if I could qualify for one, tho ugh their attorney told me in foreclosure mediation that I would definitely receive a modification and be able to keep my home. It seems in hindsite that their strategy was simply to burn up time and let my monthly arrearages accumulate until they go to a point where the amounts were too great to qualify for any forbearance in a loan modification guideline. <P/> While I have not given up on the possibility of pursuing a modification to make my payment more affordable, I am now forced to switch approaches to the immediate problem, because the foreclosure process has moved forward and has gotten to the point where there is a Foreclosure sale scheduled for Monday, XXXX XXXX , 2017, at XXXX . This is only 5 days away. <P/> As an alternative to this foreclosure I have been attempting to pursue making full payment of the past due amount to reinstate my loan. However, again I am experiencing that Ditech is not working in good faith to accomplish this. <P/> On XXXX XXXX , 2017 I made a formal request by phone to Ditech for the full amount of funds required for reinstatement. Ditech told me this number would tak e 3-5 b usiness days to prepare. Today XX/XX/XXXX , is the 6th business day. I have not received the reinstatement amount. <P/> Ditech is not answering my phone calls ; they are being filtered directly to voicemail ; and Ditech is not returning my repeated voice mail messages. <P/> I do not intend to allow the foreclosure process to proceed and will seek the alternative of a bankruptcy filing to prevent it however, this is not only asinine, but very harmful to my attempts to rebuild my life and prevent additional damage to my credit history. <P/> I have secured through savings enough money to presumably pay the reinstatement amount tomorrow. But because Ditech is ignoring my phone calls, and my request for a reinstatement amount, I can not make the reinstatement payment. <P/> This forces me to spend another {$3000.00} dollars in legal fees to stop the sale with an unnecessary bankruptcy filing. <P/> This just seems wrong. Are there any laws being broken with Ditechs obfuscation, stalling, and delaying tactics? <P/> Is there anything you can do to help me with this? Anything at all would be greatly appreciated. <P/> Thank-You
Company Response: Closed with explanation
2017-06-06
Sacramento, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Company : Ditech a XXXX Company Amount : {>= $1,000,000} Action Taken : I called on XXXX/XXXX/17 spoke to XXXX, called on XXXX spoke to XXXX, requested to speak with a supervisor and was transferred to XXXX ( ID # XXXX ). XXXX informed me on XXXX/XXXX/17 that she would return my call within 24-48hrs to answer 5 specific questions regarding my mortgage account, and the {$18000.00} funds sitting in an applied account. I received no call from Ditech and/or XXXX. I received a door hanger from Ditech on XXXX/XXXX/17 with an URGENT request to contact the company to discuss my account. I called the number listed XXXX XXXX XXXX XXXX, on XXXX/XXXX/17 at XXXX and spoke with XXXX XXXX There was a note in the account that if the customer called then I was to be transferred to an extension. After 15min, the phone range 100+ times and NO ONE ANSWERED. I requested funds be applied to the principal on several occasions and according to XXXX and XXXX " the system reversed the funds and applied them to the loan and not the principal '' even though they were extra payments and money that had been sitting in the unapplied account. Now that the account is up to {$18.00}, XXXX I can not get solid answers and action from Ditech. I am concerned about these preditory lending practices and the effect it will have on me and my spouses credit.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-06-06
MO
Closing on a mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-05
NV
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I already issued a complaint. The case # was XXXX . You did n't do anything to help resolve this as the lender 's response did not address the issues. I am issuing another complaint hoping this time you do something about it. All you did was forward my comp laint to Ditech. How inefficient is that. What did you do to understand the problem and identify the resolution? Absolutely nothing. Maybe this time you can get it right.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-06-05
AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: My wife and I sold our home in XXXX and closed onXX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that Ditech reported us 60 days past due for the months of XXXX and XX/XX/XXXX. How could this be we paid off our mortgage in XX/XX/XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested Ditech to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at Ditech with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! Ditech has yet to return any of our calls. Unprofessional to say the least!!!
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-06-05
Berryton, KS
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-05
Palos Park, IL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I purchased my home in XX/XX/XXXX . Currently I am out of work and struggling to make my mortgage payments. My last day worked was XX/XX/XXXX . In XX/XX/XXXX , I contacted the Illinois Hardest Hit Fund program and applied for mortgage assistance. Meanwhile my lender Ditech Financial LLC contacted me by mailing forms for Loss Mitigation which I did not complete or sign. Ditech 's customer service is very poor and every time I called Ditech 's customer service to find out if there was any communication from Illinois Hardest Hit Fund, n o one could provide an answer. Finally I received an email from my Illinois Hardest Hit agent XXXX XXXX in the XXXX office that Ditech rejected the payments from Illin ois Hardest Hit p rogram stating that I was in an active loss mitigation. Therefore the Illinoi s Housing Development Authority d enied my application. I currently have been writing letters and faxing Ditech i nstructing them to accept the payments from Illinois Hardest Hit fun d and stating that I have not agreed or will agree to loss mitigation with Ditech . The dates that I have sent letters and faxes are XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX . I have asked for an appeal as is my right with Illinois Hardest Hit Fund a nd gave them copies of letters sent to Ditech. Ditech is not responding and I believe that Ditech would rather foreclose than accept the state funds from the Illinois program.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-06-05
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-05
Fort Wayne, IN
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
Complaint: DITECH, MORTGAGE FAILED TO PROCESS THE HARP REFINANCE LAST MONTH, BECAUSE THEY ARE NOT REPORTINH ON XXXX .
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation