Ditech Financial LLC

2017-06-04

Palos Park, IL

Trouble during payment process

Mortgage: VA mortgage

Complaint: I have had a VA mortgage since XXXX and it has changed hand s ( servicers ) 5 times in that period. The latest took place, I 'm told, in XX/XX/XXXX from Ditech to XXXX XXXX . I finally found this out, late in XX/XX/XXXX , following my inquiries of the new servicer ( XXXX XXXX ). I continued making payments to Ditech uninterrupted, throughout this period. Unbeknownst to me Ditech forwarded my payments to XXXX XXXX for XXXX & XXXX but ceased doing so thereafter. My loan had gone all the way to pre-foreclosure with XXXX XXXX . I provided proof of payments to XXXX XXXX and they endeavored to get these funds from Ditech without success until XXXX of XXXX . Throughout this period I have received twice daily dunning calls from XXXX XXXX . In XXXX XXXX XXXX XXXX claimed they finished their research and told me it was now my problem to get Ditech to release the funds. Further, that my proof of payment was not valid because any check would have been returned to me following a two month grace period and not processed by Ditech. This is utterly false. The " proof '' I provided was a combination of " Cancelled '' checks and verification that my electronic payments thru BillPayer were issued & received. Ditech has the funds and I continue to have a delinquent mortgage, ruined credit and inaccurate filed XXXX Federal Tax returns. <P/> Attached is how I was informed that my mortgage was now being serviced by XXXX XXXX . This door hanger placed on the door knob of an out building at my property that I only " happened '' to find on XX/XX/XXXX .
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-06-03

Bueche, LA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: DiTech Mortgage ( previously GreenTree Mortgage ) amounts are being reported incorrectly. There are " deferment interest '' amounts that were not authorized or agreed upon at any time during the life of this loan. There are " reverse cash payments '' listed on the account payment folios, i.e. payments sent via XXXX XXXX , direct bill pay services-CASH ONLY SERVICES, all listed under Reverse Payment-CASH. I have requested an explanation as I am contesting the validity of the amounts. I was given time frames and in such fashion, returned a response within the time given. The company missed their own postmark date from my initial correspondence for the time they allotted themselves to respond. They then tardily responded stating there would be an investigation to my inquiry and a resolution and response within 10 days, however the company has decided to first grant themselves an extra 30 days outside of the previously stipulated 10 days to respond and then following ( prior to that expiration ) with a " threaten to foreclose '' if the amounts are not paid to them. DiTech has been just as much of a nightmare as GreenTree was. The harassing phone calls, condescending tones, threats of foreclosures -- all while the account is supposed to be " current ''. Calls beginning on the DAY PAYMENTS DUE, or their " FRIENDLY REMINDER CALLS '' turning into some outlandish conversation that causes more stress than the fact that there has been no relief from these companies yet. There 's absolutely no proof of their bogus charges, or how you can reverse cash payments, etc-yet they are allowed to " legally '' foreclose on my home as this is what they are threatening to do.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-06-03

WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: When I found out that this company put a lien on my home for no reason. we are refinancing our home, and this is the way we found out this lien was on my property. We have no idea who this company is. So then we started to receive these letters saying they are not trying to collect the debt but they had already put this lien on my property. they said they would remove the lien but I see the amount of XXXX in the refin amount and the letters this company sent us say the amount is XXXX but the real amount owed is XXXX . Our next step is to start legal action.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-06-03

Sarasota, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: After refinancing my home in XXXX XXXX with a different lender, I had a escrow surplus with my old lender Ditech. On XXXX XXXX XXXX I was e-mailed by them informing me that I have a surplus due me in the amount of XXXX for which to this date I have not received. For nearly 3 months I have spoken with 6 c ustomer reps and 4 managers to no avail. XXXX XXXX XXXX they informed me that they sent the check to the wrong addres s, 2 weeks later it was in the mail being reissued , 2 more weeks have passed with no check, this time I was told to give it time. This went on with me talking to managers XXXX , XXXX , XXXX or XXXX and last but not least a supervisor name XXXX who uttered the words " what is it that you want me to do '' ; " remit XXXX to me '' I said. still no check. On XXXX XXXX XXXX I spoke to a rep name XXXX . This XXXX informed me that her manager named, XXXX instructed her to obtain my checking account information so that this amount can be deposited into my account, this was my routing and account number, now here is the scariest and nervous moment thru all they 've put me through I still have n't seen no deposit into my account. This gives me sleepless nights, in addition to nearly 3 months of this horrible experience my checking info is somewhere floating around. Ditech whom I thought was a stellar performer when it came to customer service turns out to be all but that. It seems on e hand has no clue on what the other one is doi ng. STILL NO CHECK.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-06-03

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

Timely Response

2017-06-03

Nyc, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-03

Franklin Lks, NJ

Trouble during payment process

Mortgage: FHA mortgage

Complaint: This is my third complaint against Ditech. I believe they are committing fraud and everyone should be aware of this. I 've called many times to have my account adjusted and either they would make excuses or put me on hold and then hang up on me without returning my phone calls as they said they would. Every month I make a payment to them on a timely basis but I receive an email confirmation with a different amount. When I call them for an explanation they are very evasive and do not have a direct answer for me. Why is my account number on the website different from the Modification Agreement account number? I believe they are moving money around the accounts to cook their books, just like XXXX XXXX XXXX did and Green Tree Servicing. This needs to stop. I will continue to file complaints against Ditech until this is resolved. Ditech should not just be sending in a letter to the Consumer Financial Protection Bureau that my account is being rectified because that is a complete lie. How do I know if all these payments that I 'm making every month is going towards my mortgage?
Company Response: Closed with explanation

Timely Response

2017-06-03

Lewisville, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX Ditech Loan # XXXX On XXXX XXXX, I cancelled my automatic direct debit of {$700.00} with Ditech, as I finally had a refinance with another company that was about to fund. My direct debit was scheduled for the XXXX. On the XXXX, the same day I funded, Ditech still pulled the money out of my account. I called customer service and they said I had to notify them 8 days before the XXXX in order to avoid the withdrawal? My refinance wasnt even approved 8 days prior to the XXXX. I called again on XXXX XXXX and spoke to a supervisor who said my money was on the way. I then received an escrow shortage check in the amount of {$30.00}. How is this possible if I dont even escrow with Ditech? It is now XXXX XXXX, and I still dont have my money. My new mortgage payment was due on the XXXX. Im not made of money. I spoke to customer service yesterday and they now say I have to wait 30 days. So to get this straight. Their process is to refund monies that are no longer theirs, 30 days after theyve taken the money? Why? Why does it take a mortgage lender 30 days to refund money that is no longer theirs? Most financial entities are 7-10 days-pretty standard. Ditechs abusive policies jeopardize the livelihood of those that are trying to do the right things for themselves. Now, Im tarnished with my new lender. I want this complaint with Ditech addressed and a detailed response to my situation, vs. a canned approach from them.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-06-02

Cherry Hill, NJ

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2017-06-02

Opelika, AL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-02

Tunnel Hill, IL

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

2017-06-02

Traver, CA

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: This complaint is being submitted on behalf of the homeowner by her advocate. The homeowner is a low income XXXX year old wi dow. Her back door neighbor passed away over a year and a half ago. It is her understanding that the surviving family members of the deceased borrower hold no interest in the property because the property is underwater. The property is not being maintained by anyone. The despair is affecting the homeowners shared fence and backyard. XXXX The homeowner reached out Ditech to discuss the nuisance the property was causing. Ditech representatives referred her to their property preservation department, who never answers or returns her calls. It appears that Ditech is using tactics to not be held responsible, because theyre aware of the property being vacant and causing a nuisance, yet no notices or actions to remedy the problem have occurred. The homeowner is left to maintain the falling fence and potential blight out of her own pocket, which is causing her an economic hardship.
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

2017-06-02

Elkview, WV

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-06-01

Cheverly, MD

Struggling to pay mortgage

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

Complaint: Attached is the letter received XX/XX/XXXX , dated XX/XX/XXXX , Ditech fo rwarded advising me of ineligibility for their XXXX loan modification programs that I applied for. <P/> In the seventh paragraph they state I am ineligible for their XXXX XXXX XXXX Proprietary Modification be cause my conbined household debt of {$1300 .00} ( made up of {$910.00} mortgage and {$450.00} interest only HELOC ) is less then the threshold of 45 % of my total gross monthly income of {$3100.00} thereby deemed affordable. The mortgage expense above is just barely affordable on my fixed income. The HELOC is due to reset in at few months so I included with the mod application an estimate of the new payment to use in determining my eligibility. However, it was not used in the calculation. Ditech did not sent me the new reset payment amount until after I applied. The new payment amount of {$850.00} is almost double what I am currently paying. Ditech used the current payment not the new reset payment ( which they knew all along ) to determine DTI ratio an d ineligibilty. <P/> Furthermor e, Ditech has serviced my HELCO for many years and is aware of the loan modification programs for which I was eligible, but they never reached out to me as recommended by the Office of the Comptroller of the Currency ( OCC ). <P/> Finally, the second page speaks of submitting {$200.00} as down payment for an appraisal. Why? I have been living their since the end of summer last year ( XXXX ). My understanding from friends, appraisals have n't been used for modifications only home valuations which cost substantially less.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-06-01

Glendale, CO

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I purchased my home in XX/XX/XXXX, I got a first and second mortgage ( the norm then ). When XX/XX/XXXX came around I realized that my retirement was gone in my 401k and the company I worked for fired all of us. In XX/XX/XXXXI ended up filing chapter XXXX. I called the first mortgage company and said I wanted to keep paying on that debt in order to keep my home. I called the second mortgage company and said i could not pay them and would be filing on them as well as other debtors I had. Everything was fine and my bankruptcy was discharged in XX/XX/XXXX. I was able to acquire a HAMP mortgage through my first mortgage company which took effect in XX/XX/XXXX and remain in my home today. My issue is that I have applied for a reverse mortgage ( taking advantage of the increasing equity in my home ) and all was great except the new lender found that I have a lien on my home. The lien is from the holder of the second mortgage ( XXXX XXXX then bought by Green Tree Financial then bought by Ditech now ) and they have sent me letters reminding me that I am NOT responsible for the payback of the mortgage due to the statute of limitations that expired. I called Ditech and they corroborated the fact that I am NOT responsible for the repayment of the loan and admitted they have a lien on my home BUT they refuse to release the lien even though I am not responsible for the repayment that was discharged through my bankruptcy in XX/XX/XXXX. Is there anything you can do for me in regards to this problem? Is this a normal situation? Im sure they want to take advantage of the high home values in my area and get paid again ( since their insurance must have covered them from the initial 2nd mortgage loan ).
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-06-01

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

2017-06-01

Discovery Bay, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My XX/XX/XXXX mortgage payment was returned. Ditech has not modified my mortgage and l have paid my taxes each year and home owners insurance. they tried to pay my taxes and the money was returned by the county as an overpayment. several years ago, they started to t escrow my account and l explained to them that my mortgage was never modified but they issist l paid my taxes late which is false.,., we accually paid on the same due date. they have continued to bill me for escrow amounts while i have paid my mortgage and taxes on time. Now they want to stop accepting my mortgage payments and forclose on my home by not accepting and cashing and returning my checks. My taxes are paid in full for XXXX and my mortgage was current until they returned my May ck in the amount of {$1900.00}. They ruined my credit by posting escrow fees as late payments on my credit reports which makes me unable to refinance at this time. i am XXXX XXXX XXXX and work 2 hrs a day for a XXXX XXXX . i pay my mortgage and taxes on time. and now they are trying to foreclose or get me to pay escrow amounts per month in addition to my monthly mortgage. my income varies per month and escrow fees are too much per month. i have explained this to them and they are now trying this to get me to pay up. i will have my tax dollars this l fall when they are due and will pay them on time as usuall. Not sure how to proceed since l just sent my XXXX Mortgage payment yesterday. .or if i should re submit my XXXX mortgage check that they returned to avoid forcloseure.In addition the dollar amounts they are trying to collect in escrow are incorrect ... .they are not including tax payments or insurance payments made over the tears. my account need to be audited.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-06-01

El Paso, 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

Timely Response

2017-06-01

Phoenix, AZ

Incorrect information on your report

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

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

Timely Response

2017-06-01

Concord, NC

Incorrect information on your report

Mortgage: Other type of mortgage

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

Timely Response

2017-06-01

Rockford, IL

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

2017-05-31

New Britain, CT

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-31

Columbia, SC

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: The mortgage for my home in XXXX, AL, was serviced by Ditech Financial. On XX/XX/XXXX, I sold my home. On XX/XX/XXXX, Ditech sent a letter to my new address indicating that my loan had been paid in full and that a refund for overpayment or positive escrow balance would be mailed to me within 20 business days of the payoff date. On XX/XX/XXXX, Ditech autodrafted a mortgage payment from my checking account -- despite the fact that my account was " closed '' and " paid in full. '' I spoke with a Ditech customer service agent on XX/XX/XXXX, who apologized for the error and explained that Ditech had 30 days to issue a check to me to refund the erroneous autodraft. On XX/XX/XXXX, I called Ditech again to inquire about the status of my refund ; the customer service agent stated that my escrow balance refund check had been cut and was about to be mailed but that the mortgage payment refund check had not been cut yet and that Ditech has 30 days to issue that refund. On XX/XX/XXXX ( the 20th business day following the erroneous autodraft ), I called Ditech again to inquire about the status of the refund of the mortgage payment ; as the customer service agent started to tell me that Ditech has 30 days to refund that payment, she realized it was the 30th day/20th business day. She said the check had not been cut yet, but that it should be " soon '' and to call back the next day. On XXXX XXXX, I called Ditech again ; I have been advised that the check was cut on the night of XXXX XXXX and should be in the mail but that it could take up to 10 business days to reach me. I advised Ditech that I have retained an attorney to help me with this refund and that if I do not receive that check soon, they should expect to hear from my attorney.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-31

Garrett Park, MD

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Sued you in a state where you do not live or did not sign for the debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-31

Keytesville, MO

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response