Ditech Financial LLC

2017-05-30

Willingboro, NJ

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-05-30

Allenwood, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I applied for a modification and was recently denied due to Ditech stating that I dont fit MY Investors guidelines. This is outrageous!! I searched my Investors website to see what programs the Servicer Ditech has reviewed me for under my Investors available programs to their borrowers and was shocked to see that they completely the denial reason to deny. For one the streamline modification is only granted once so why they would review me for that program does n't make sense as I even I already know the answer to that decision just by knowing I already had a streamline offered to me by my Investor. Secondly, the program XXXX XXXX Capitalize and Extend Modification '' if Ditech actually read the guidelines since they are only a Servicer and should be in compliance with my Investors rules and guidelines they would of known that the denial reason of more th an 6 months delinquent is a false denial. The following is from XXXX XXXX handbook for this program : The mortgage loan must be at least 60 days delinquent but less than 360 days delinquent upon completion of the disaster related forbearance plan. I was denied stating that I was more than 6 months delinquent ; as you can see you clearly have no clue of my Investors guideline s. In addition to you inaccurate denial my lender also has a FLEX program that I dont see I was reviewed for, I want to know why.
Company Response: Closed with explanation

Timely Response

2017-05-30

Douglasville, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-30

Washington, DC

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-05-30

Croftville, MN

Struggling to pay mortgage

Mortgage: Other type of mortgage

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

Timely Response

2017-05-29

WY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: In XX/XX/XXXX due to the downturn in the oil industry we entered in a forebearance plan with our mortgage servicer Ditech Financial..we had 6 trial pay ments that would end in XX/XX/XXXX at which point as part of the forbearance we could pay a balloon payment or if our financial situation had not improved by then apply for a loan modification through loss mitigation.We made all six of our trial payments and began the process to apply for the loss mitigation.. from that point on we are consistently told a document was missing or something was n't filled out correctly or we needed to resend documents ... we did this over and over.. the modification itself was only supposed to take 30 days and in that time since we had no agreed-upon terms or amount to pay we would voice Our concern about it dragging out and it causing us to lose our home and they would always say that that was n't even on the table or that was n't in the works and that we would have many other options long before that happened.. we were constantly moved from account representative to account representative we hardly would be able to talk to the same people we were constantly being told different things by different people.. we were faxing things over and over and then we were told to upload and then we were told not to upload we were constantly getting different stories every time we talked to someone. Finally they said around XXXX or XXXX of this year they had everything that they needed and it would be going into underwriting and we would hear back in 30 days.. when the 30 days past we called and was told by somebody that they needed another pay stub which we sent and then called back and talked to somebody else and found out it was n't the pay stub it was supposedly the profit-and-loss and then we called and talked to somebody else and then it was the schedule C missing from our tax returns all while this was supposedly in underwriting! and then we eventually found out that we had been kicked out of modificatio n Again ... around this time we received a letter from an attorney with an intent to forec lose when we called one of the representatives he told us it was a formality and not to worry about it and that we would have other options and then another account Representative told us that there could be a sale date set at any time and that we would have to restart a modification all over again.. without guarantee of it being approved or we could reinstate the loan or do a deed-in-lieu of foreclosure.. we obviously chose to reapply for the modification not wanting to lose our home.. we sent in ANOTHER completed loss mitigation packet on XXXX XXXX well within 37 days of the sale date of the home ( which is set for XXXX XXXX ) .. again we were moved to another account representative and received no notification that they had received a complete modification pack ( only know they did because we keep calling ) and have only been kept up-to-date when we call in every week we have been told that they will not stop the foreclosure date just because the modification is in review and are now being told that it could take more than 30 days to review even though they have consistently told us that a complete loss mitigation packet would take 30 days to get an answer.. after researching and talking to attorneys it seems like this is in violation of dual tracking law.. we are trying everything we can to try to save our home and all we want to do is get this modification done and resume our mortgage and they are making it impossible to do and it is crazy to think we are going to lose our home when we just want to be able to pay our mortgage payments and that they have been the ones dragging this out and we have done everything they have asked us to do over and over again.. the last time I called on Friday to check in and make sure that they were n't saying anything was missing or incomplete my account representative was exceptionally rude and condescending and denied even seeing that there was any payments made on our account after XX/XX/XXXX a nd eventually hung up on me. At first we thought we were just having extremely bad luck but as things drug on it just seemed like things were n't on the up-and-up so we started looking into it and finding out that this is happening on a very large scale and that the company seems to be operating on border line fraudulent/illegal activity
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-28

Bohemia, 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

Timely Response

2017-05-27

Greenwood, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-26

Macon, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I fell behind on my mortgage due to medical reasons.I sent Diitech monthly payments and they sent them back to me. I requested a modification and Ditech to refuse to letting me apply for a modification. I have a schedu le sale date on XXXX , 2017 that need to be cancelled
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2017-05-26

Jersey City, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-26

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-05-26

August F. Haw, CA

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-05-26

Ridley Park, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am disputing the delinquent balance on my home loan due to money mismanagement on the behalf of my loan servicers. I n XXXX XXXX XXXX , I re ceived a loan modification from XXXX XXXX XXXX . The loan modification agreement was to change my home loan from an adjustable rate to a fixed interest rate. I n XXXX XXXX XXXX , XXXX XXXX XXXX was now the new servicer and I was making my payments of XXXX which was for principle and interest. I was responsible for paying the real estate taxes and homeowners insurance separately. On XXXX XXXX , XXXX XXXX XXXX started charging me a fee for the city taxes. I disputed the charges with XXXX XXXX XXXX and the XXXX XXXX XXXX . I continued to make the required payments of XXXX . XXXX XXXX XXXX XXXX XXXX XXXX started sending me checks for different amounts. I sent the checks back to XXXX XXXX XXXX with a letter stating their error in posting my payments in a timely matter. This went on for two years. On XXXX XXXX XXXX , I received a letter that GreenTree will now be the new servicer. Once Greentree received my loan, I started being harassed by their collection department calling stating I was delinquent and dem anding that I send a check to bring my loan current. On XXXX XXXX XXXX , my loan went into foreclosures status. I continue making my pay ments but they were never credited to my home loan. Greentree held my payme nts form XXXX to XXXX and the money was never taken from my banking account. GreenTree d id return all of the payments that they held. When I spoke to a representative, I was advised to stop making payments unless I make a large payment to bring my account current. I had no communications with the servicer.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-26

Leming, TX

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-25

Houston, TX

Closing on a mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-05-25

Indianapolis, IN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I am working on my second attempt at a mortgage modification with Ditech Financial LLC. My first attempt at a modification was denied due to the time it took for Ditech to process my application. During my first modification I talked to to several different representatives, I was told different things by different reps. I submitted the same documents over and over again, the documents would get lost or overlooked. The entire process took over 10 months. I have now completed the paper work for my second modification, all that they requested was in on XXXX XXXX 2017 . To this day they have not moved it along to decide if they need any more documents or if is complete. I had a representative tell me just yesterday that once the have all the documents it should only ta ke 3-4 busin ess days to look over it, its been 40 days. I want to stay in my home and I do n't understand why they are not working with me. You think with the effort that I am putting in calling 3 times a week that they would do their job, but it has n't done me any good, what so ever! My circumstances have changed and I have money saved. I am ready to get this resolved and move on with my life!
Company Response: Closed with explanation

Timely Response

2017-05-25

Huntsville, AL

Trouble during payment process

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

2017-05-25

Valparaiso, IN

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-25

August F. Haw, CA

Trouble during payment process

Mortgage: VA mortgage

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

Timely Response

2017-05-24

Three Rivers, MI

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

2017-05-24

Shallotte, NC

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

2017-05-24

Oxford, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I submitted my completed paperwork for a loan modification this month and they refuse to postpone my foreclosure scheduled for XXXX XXXX , 2017
Company Response: Closed with explanation

Timely Response

2017-05-24

Shoreham, NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

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

Timely Response

2017-05-24

Fountainville, PA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I am currently in the process of refinancing my mortgage with XXXX XXXX . My goal it to use this opportunity to pay-off a second mortgage on this property from Ditech. Since, XXXX XXXX XXXX I have requested that Ditech provide a Copy of my Note that I can present to XXXX XXXX as part of the process. Ditech promised to have this to me within 3-5 days. I have called them and emailed them multiple times to follow up on this request and I still do not have this document as of XXXX XXXX XXXX The original loan was back in XXXX from XXXX and has transferred multiple times over the years ( Greentree, Ditech ). If Ditech can not produce the Note, do I legally owe them the balance if they do not have a copy of the agreement?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-24

Huntsville, AL

Applying for a mortgage or refinancing an existing 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

Untimely Response