Ditech Financial LLC

2017-05-24

Alma, MI

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-23

San Mateo, FL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2017-05-23

Covington, GA

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

2017-05-23

Lower Makefield, PA

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

2017-05-23

Grand Prairie, TX

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-05-23

Neptune, NJ

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

2017-05-23

Grosse Ile, MI

Communication tactics

Debt collection: Mortgage debt

You told them to stop contacting you, but they keep trying
Complaint: Ditech continues to call my employer after they agreed to stop this practice and sent me a letter stating all phone calls to my home, my mobile and my work would stop. I have filed numerous complaints concerning this company and their collection practices. They were fined as part of a class action lawsuit concerning their collection practices. This is the third time they have called my place of work since I received the letter stating they will cease all phone calls. See attached.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-05-23

West Chester, PA

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2017-05-23

Pacific City, OR

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On numerous dates, I 've sent Letters of Dispute ; most recently on XXXX / XXXX / 2017 & XXXX / XXXX / 2017 . The amount disputed is {$10000.00}, which was included on Ditech 's " Payoff Quote '' to XXXX XXXX and which I had to pay in order to close escrow per contract with Buyer or face Breach of Contract. I paid the above amount, but have had no luck in recovering. The actions taken by me, were to continuously write them letters requesting they provide us with a REFUND of {$10000.00} or provide a Payment History proving DiTech Financial were corr ect in charging said amount.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-23

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-22

Saint Clair, MO

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

2017-05-22

Salt Lake City, UT

Closing on a mortgage

Mortgage: FHA mortgage

Complaint: I received a 10 day pay off. The payment closing payment was received by the company about 4 days early, and all numbers magically balanced to XXXX . They did move some to Escrow which they paid out as expected. I know that they will write off a min amount if they are owed but did n't think if they owed me that they can just make it XXXX . I made two calls to them to get this resolved and they just kept saying it was correct. The second call they said they would progress it to another department but I have n't heard anything in 2 weeks . I do n't think this is legal for them to just keep money owed even if its XXXX dollars. In both calls, neither rep to explain how they got the balance as XXXX other than it was right. I 'm pretty certain they are just keeping extra money from alot of loans at closing and either customers arent paying attention or they are willfully frauding them. The details in the payment history just dont add up to Principle/Interest/Escrow.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-22

Wallington, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-22

Mangonia Park, FL

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

2017-05-22

GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Back in XXXX of 2017 I complained that Ditech stole money from me and tried to pass it off as an HOA fee. Case number : XXXX . The money was only returned when they were forced to respond to my complaint. So thank you for that. Since then I have received no responses to any questions I have asked them. They bumped my escrow by {$90.00} per month. I still have not been late with any payment however they are trying to justify this boost based on 2017 taxes. I have qualified for t he Homestead Exemption in XXXX XXXX GA for 2017 so my taxes should go down. I actually received an estimate fr om the county in XXXX and it went down a lot. They wont respond to any of the questions regarding the surplus money. I get a generic email and letter that says we are coming up with a solution. I refuse to call them becau se Ditech call center staff have set responses. The first response is to blame the homeowner for any and all problems. I 'm tired of the games and the backlash
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-21

Leeton, UT

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I sent my regular payment of XXXX in which was not enough due to increase our on escrow. We did not recieve notification of what the new payment would be from the mortgage servicer. Af ter speaking to Ditech the mortgage servicer they would n ot reverse the late fee of XXXX and refuse to follow up.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-21

Ashville, OH

Incorrect information on your report

Mortgage: Conventional home mortgage

Complaint: I purchased my home XX/XX/XXXX , and my original loan was with XXXX XXXX . {$43000.00 } ( 2 0 % of loan ) was a 15 year loan with principle and interest of {$480.00}. XXXX sold the {$43000.00} to XXXX shortly after my purchase, the 80 % was sold to XXXX XXXX . I made payments for 6 years to XXXX , none of which were being applied appropriately nor would they let me refinance to incorporate i nto one loan. The loan was provided under false pretenses indicating that the loan was temporary, and after consistent payments, a refinance would be available. The mortgage company said this arrangement was all that was available due to the economy and mortgage industry. I asked repeatedly for a refinance and the indicated this type of loan could not be refinanced. I could not even call XXXX through the regular mortgage number, it was a special department at XXXX . The loan was sold to Greentree, then I guess Ditech f or the original amount of the loan in XX/XX/XXXX ! I stopped paying in XX/XX/XXXX due to their inability to provide an accurate balances, correct terms, reporting accurate informayion and the ease of working with the company. I always ended up talking to someone in XXXX . Ditech charged the loan off with original balance due from XX/XX/XXXX ! They are still reporting as delinquent in XX/XX/XXXX even though charged off in XX/XX/XXXX .
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-05-21

Cantonment, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-20

DE

Incorrect information on your report

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

Public record information inaccurate
Complaint: I filed Chapter XXXX Bankruptcy in XXXX XXXX on a home mortgage and the credit report reads a outstanding interest accrued amount instead of a status of discharged through chapter XXXX bankruptcy.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-05-20

Coventry, RI

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

2017-05-20

Phoenix, AZ

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: Was I suppose to receive the response from the company dated XX/XX/XXXX ? I never received that response in the mail or by email or by Ditech website. I only just viewed it on this site today Complaint Numbered # XXXX . My Internet access is spotty so I ca n't often retrieve information/emails/etc. Further, when I 've gone on th e Ditech website this response was not post there either. Thus, Ditech has initiated fore closure process with a firm called XXXX XXXX XXXX . Attached is my response to a letter XXXX XXXX XXXX sent me on XX/XX/XXXX . Could CFPB please inform Ditech, XXXX XXXX XXXX XXXX XXXX and/or any of their representatives that they must actually respond to the complainer and not only CFPB. Had I seen this response several months ago, I would have initiated action on my part.
Company Response: Closed with explanation

Timely Response

2017-05-19

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-19

Canaan Lake, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-19

TX

Trouble during payment process

Mortgage: VA mortgage

Complaint: Our mortgage holder, Ditech, conducted an incorrect escrow analysis on XXXX XXXX , XXXX indicating a deficiency, so we contacted them by phone on XXXX XXXX , XXXX to discus the matter. After speaking to several incompetent people, we were finally told to fax the XXXX Notice of Appraised Value indicating our homestead and DV4 tax exemptions. We were given the following fax number : XXXX and have a copy of the fax transmission report with the detail, however we were given no response that they received the document. So two days later, XXXX XXXX , XXXX , we sent a message through the Ditech Message Center and wr ote the following : " I recently faxed in my XXXX Notice of Appraised Value with exemptions DV4 and HS notated. Just following up to make sure that you received this document, as I did not receive an email stating that your received it. How will these exemptions impact my monthly mortgage payment? Please send me a message detailing any changes. '' To no avail we still did not receive a response. Instead we received a notification that another escrow analysis would be performed. The new escrow analysis conducted on XXXX XXXX , XXXX is identical to the analysis performed in XXXX and is incorrect as well. Their analysis indicates a deficiency of {$2700.00} with an incorrect county tax amount and an incorrect hazard insurance amount. Although they have the corr ect hazard insurance amount ( {$2300.00} ) listed on our escrow activity page, the wrong amount ( {$2300.00} ) is listed on the escrow analysis. In regard to the county tax, t hey have the wrong amount XXXX {$8700.00} XXXX listed on our escrow activity page as well as on the escrow analysis. Our XXXX Notice of Appraised Value clearly states that the county t ax for XXXX is {$6900.00}. Our current escrow balance for XXXX XXXX , XXXX is {$4000.00}. Even if our escrow payments stayed the same, we would still have overage.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-05-19

Chicago, IL

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I am a senior that has come across a lot of fraud and it has left me in an horrible situation. After the passing of my husband, XXXX / XXXX / XXXX , I started to look for ways for ways to lower my mortgage. I was listening to the inspirational radio station and heard that the XXXX XXXX XXXX could help me lower my mortgage payments. The Law office of XXXX XXXX charged me {$3400.00} advised me to fall behind on my mortgage payments to get a principle reduction because my husband passed. I was denied assistance because my income was listed way too high on my forms that I never received a copy of. I then went to XXXX of XXXX and was assisted with correcting my income on an appeal that I won. Ditech offered me a HAMP modification and I took this agreement over the Hardest Hit Funds because of the lower interest rate they were offering i n the trial plan. When I revcieved my permanent modifcation documents, I saw the very unfair terms. They started my prinicple balance back to when I first purchased it and extended my loan out to 33 years when I originally only had 8 years left. I also have a {$41000.00} balloon payment. The modification documents did not provide a separate disclosure for the balloon payment, I did not even know it was there until a hous ing counselor told me about it for the complaint. The permanent documents did not require a notary and I put a (? ) after my signature because I was not sure what I was signing. I called Consumer Affairs as the paperwork stated and was referred to XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX IL XXXX . I told Consumer Affairs I was already working with XXXX XXXX but they insisted I use XXXX XXXX instead. I initially met with Pastor XXXX and he assured me that he can negotiate the terms of my modification and explained that I HAD to sign the permanent modification. I never heard from him again. I complained to the church and a XXXX XXXX explained that it was my responsibilty to make sur e Ditech had their authorization. I called Ditech and they did have the authorization to speak with them on file. I then never heard from XXXX XXXX again. I am senior that purchased my home with my husband for {$95000.00} in XXXX . I can not believe that Ditech has prosed this modification that will end with my family being in foreclosure. I have reached out for help numerous times, but have just been taken advantage of and provided with false information. Before I seeked help, I was never late with a payment for 23 years straight. I know that I refinanced with a predatory lender XXXX . I was then transferred from XXXX XXXX XXXX and now XXXX . I could not afford a lawyer to help me with these documents and I feel like I am losing my house with all my years of hardwork.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response