Ditech Financial LLC

2017-05-19

Wonder Lake, IL

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: An application for short sale was submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I acalled Ditech and spoke with XXXX at Extension # XXXX. I was told the customer was being moved formally into Short Sale Review, a representative will be assigned and a BPO is being ordered. He said we should follow back up in one week with them. On XXXX XXXX, XXXX, I called XXXX x XXXX, to check the status of the short sale application. He asked me for the borrowers " title '' and I told him it 's " XXXX '' He said that 's not correct and I said he has no other title and if he 's referring to the fact that our client is a XXXX, but that is a suffix not a title. He said he needed the full name on the account and I told him I gave it to him. He hung-up on me. I called back and got XXXX again. I asked for his supervisor immediately and was transferred XXXX XXXX. XXXX said he did n't see any notes as to the BPO. He escalated the issue to the SS dept. He said someone would call me back on XXXX XXXX or XXXX. No return call was received. On XXXX XXXX, XXXX, I called Ditech and spoke with XXXX x XXXX, she said she sees that XXXX XXXX sent a request for a manager to follow-up. The Manager did not follow-up with me, which is why I called back. She said there are no notes in the file since the representative never sent the referral to the loss mitigation dept. So, our appliciaotn has been sitting for a month. They said it should be assigned to a short sale representative on XXXX XXXX, XXXX. I would like this person assigned now, as an entire month has gone by.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-05-19

Phoenix, AZ

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

2017-05-19

Colchester, CT

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-05-19

Cheverly, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: This is now the third complaint I have sent to CFPB after Ditech. For the same reason, there seems to be a concentrated effort to relay contradictory or false information to us. Today is XXXX XXXX XXXX , and we just got off the phone with them. On Friday, XXXX XXXX , Ditech left a door hanger saying call this number for important info regarding the loan. So we called. No answer and no response to calls and voicemails left on Monday the XXXX . Friday we called. We spoke to an XXXX , who was finally able to confirm they did receive loan mod docs but it was rejected. She said THEY NEVER RECEIVED ANY COMMUNICATION FROM US about a settlement offer. Which we have sent them multiple times! We even sent CFPB a copy the last time I issued a complaint. This is very stressful and to hear they have not received documents which they confirmed they have already received in the past is so frustrating for our family. We are truly doing our best to resolve this issue with Ditech. Ditech k eeps changing the documents they received vs what did not receive. What can I do to get some consistency from the correspondence from them? This is a dire situation for our family and we are scared our homes. We are doing our best to comply wit h Ditech but they keep losing our information.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-05-19

Alta, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XXXX we received notice from XXXX XXXX XXXX County XXXX. XXXX XXXX office that we were in delinguent for payment of our property taxes for the past two collection periods. On parcel number XXXX. Billing number is XXXX for XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX, ca. XXXX. Email Address XXXXXXXXXXXX. We have an XXXX account with the XXXX that is supposed to pay the taxes. I contacted Ditech after finding out that we were deliquent and if they dont receive payment by XX/XX/XXXX we are in default and can lose the house. 1. contacted ditech on XXXX at XXXX and talked to XXXX . 2. XXXX put me with XXXX at XXXX after i explained to XXXX. XXXX told me that California first made a mistake ... then i told him that California has nothing to do wiith property taxes it is the county.. XXXX recanted his story and said XXXX XXXX made a mistake.XXXX assured me they would make the two delinquent payments by the XXXX. 3. I called the County on XXXX. they had not received payment. 4. I then called ditech on XXXX at XXXX XXXX XXXX XXXX and spoke with XXXX. She couldnt tell me anything so i demanded to speak with a supervisor. 5. XXXX gave me to XXXX at XXXX XXXX XXXX XXXX and i explained the situation she tried to explain that they hadnt made either payment but ditech agreed it was t heir fault and they agreed to pay the penalties of XXXX dollars and make both payments at once which amounts to {$1800.00}. I demanded to speak with her supervisor. 6. she put me with XXXX at XXXX. 7. XXXX assured me that the " check had been disbursed '' Overnight. He gave me the tracking number with XXXX XXXX XXXX. I said so if i ask them right now or tomorrow if the package is on the way to track it I can.. XXXX then said no the check had been sent yet. I asked why. He couldnt tell me. I asked him why they didnt make the first payment from my escrow account.. He couldnt tell me. I told him to send the check out Now.. He said they would. I said i would check back this week to make sure he did. 8. I called the county and they had not received payment to date. 9. I called ditech at XXXX at XXXX and spoke with XXXX. When i was finished asking why i shouldnt file a complaint with CFPB she said she would put me with the tax department. 10. at XXXX i was put on the phone with XXXX she said they had paid it the {$1800.00} which included the penalties they were at fault for. I told her that they had not " Paid it '' because they had not sent it ... she said they were going to send it XX/XX/XXXX. I said why dont you pay the first installment of XXXX that was due last year.. she said they would make both payments at once on the XXXX XXXX XXXX. I said i thought you said you had paid the taxes.. not will pay.. I asked them why they were keeping the money from my escrow account. They wouldnt say. I told them that i was going to file a complaint with the CFPB. And i said if they didnt send the payment out by Monday I would continue the complaint. They noted it. These people are XXXX XXXX. I am XXXX veteran. I dont need this stress in my life. we make our payments on time we expect them to make our escrow payments. They also lied to us when we were getting our house refinanced.
Company Response: Closed with explanation

Timely Response

2017-05-19

Saugus, MA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-19

Albuquerque, NM

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Ditech Financial T hey have sent numerous letters and to be perfectly blunt they lie. They have been given several notifications of insurance on the property and they continue to charg e Hazard Insurance. T hey sent a letter to us stating they had received our insurance information and would stop charging us and refund all back payments They continue to charge us and now are saying they never got confirmation of insurance. I looked up top complaints o n Ditech an d every single issue we have had is the same as everyone else. They change account numbers so your payment is rejected ( I have never been able to pay via our bank correctly for over a year ) They lie about receipt of documents. They ruin your credit report and they are so incredibly dishonest. They need to be investigated and closed down. I do not know what you can do and how this can be fixed but I am tired of fighting with them constantly. I wont even let them call me anymore because they lie on the phone so much
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-05-18

Peoria, AZ

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

2017-05-18

Shulerville, SC

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Ditech performed an inaccurate Escrow analysis on my home and has increased my mortgage amount over the past two year s. XXXX County refunded Ditech {$2100.00} that was the amount of the over payment and the company has still not d isbursed my funds. They also are not processing my mortgage payments because my payment amount is not the same as their overestimated mortgage amount that they have just increased on my end.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-05-18

Aldan, PA

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

2017-05-18

Cheverly, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Lender/Servicer proceeded with foreclosure sale the day after denial and did not give borrower opportunity to appeal the decision. An appeal was sent to the lender as well regarding violations of RESPA Regulation X 12 C.F.R. 1024.41 ( g ) ( h ).
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-18

OK

Struggling to pay your loan

Payday loan, title loan, or personal loan: Title loan

Complaint: In XXXX XXXX a request for validation of debt was sent by certified mail to Green Tree Servicing LLC/Ditech Financial LLC pay ment processing. Account # XXXX XXXX XXXX Here is a list of re cords wanting to review all the dates and the amounts of charges on the account. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made purs uant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : * Agreement with your client that grants you the authority to collect on this alleged debt. * Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. * Any insurance claims been made by any creditor regarding this account. * Any Judgments obtained by any creditor regarding this account. * Name and address of alleged creditor. * Name on file of alleged debtor. * Alleged account number. * Address on file for the alleged debtor. * Amount of alleged debt. * Date this alleged debt became payable. * Date of original charge off or delinquency. * Verification that this debt was assigned or sold to a collector. * Complete accounting of alleged debt. * Commission for debt collector if collection efforts are successful. * A true correct copy of th e original note NOT an altered copy of a copy of the original note.I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE ON THE Security Agreement NOTE * months when forced insurance was charged to the account. * Dates when the account was charged the {$12.00} for its pay-by-phone service, called XXXX . Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. End of letter 1. Green Tree Servicing LLC/Ditech Financial LLC has ignored a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. And have continued the collection process. 2. Green Tree lied of when received pa y ments, perjury in affidavit 3.GT lied about dates of payments received, perjury in affidavit 4. GT lied about having a true correct copy of the note, perjury in affidavit 5. GT lied about the amount of loan {$39000.00}, not {$38000.00}, 6. GT changed dates on payments due on the contract of the loan, 7. GT altered the contract on loan without consent, 8. GT add a signature to contract of loan without consent, 9.GT changed the " recourse '' on contract without consent. 10. GT lied about the amount own, fraud 11. GT lied to a housing loan organization to prevent loan modification, GT said the loan was for personal property, not real property. But I have filed homestead exemption, 16 years paid county taxes for real property. The manufactured home has concert footings, home is attached to the land, the home has porches, I also owned the land where the home is. 12. GT commits perjury in an affidavit.to court. 13. GT refuse to offer loan modification programs, 14. GT never stopped proceedin g in the collection during the process of qualification of a loan, or after receiving the debt of validation letter in XXXX , XXXX . GT did n't cooperate in providing a loan modification because of investors, then GT claims no to do loan modifications on manufactured homes. 1 6. GT h as placed forced insurance when an insurance policy already was existed on home, 17. GT used a 90-day default insurance policy on the balance of the loan, 18. GT used the " with recourse '' clause on the contract to force the seller to pay off the balance off the loan if buyer defaults, 19. GT marked in the " without recourse '' box without consent to force the buyer to pay off the balance off the loan. 20. GT changes contract from a foreclosure to repossession /replevin back to foreclosure, back to replevin. 21. GT required an extra charge to use speedway. 22 GT has n't provided records of the account 's activities, just hearsay evidence UCC 3-501 When a creditor must make the instrument due for inspection for the debtor, if the creditor fails to do so then the debtor owns nothing. Not a copy of the note, but the true original note. 23. The note has an assignee, and not endorsed in blank as GT claims. THE LEANDER IS REQUIRED BY LAW THROUGH THE FAIR DEBT PRACTICE ACT 15USC 1692 G THE 15USC 1692 PARAGRAPH G. UNDER THE UCC IS A DEMAND FOR PAYMENT BY U.S. DOLLARS. A DISPUTE BY A LETTER CLAIMING YOU DISPUTE THE DEBY. The debt collector is required to cease all collection till they can prove the debt. Green Tree is a debt collector as defined by the FDCPA and its collection activities are covered by the FDCPA. amount must be deleted and completely removed from Claimant credit file and a copy of such deletion. This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account DEBT VALIDATION LETTER TO GREEN TREE, OR DITECH. Failure to Timely Respond to Qualified Written Requests Section 6 ( e ) ( 1 ) of RESPA, 12 U.S.C. 2605 ( e ) ( 1 ), required servicers to provide a written response acknowledging receipt of a qualified written request from a consumer for information relating to the servicing of the loan within 20 days. Within 60 days of receipt of a qualified written request, Section 6 ( e ) ( 2 ) of RESPA, 12 U.S.C. 2605 ( e ) ( 2 ), required servicers to make corrections to a consumers account ( and notify the consumer of the correction ), conduct an investigation and tell the consumer the reason the account is not in error, or conduct an investigation and explain to the consumer why information requested is unavailable or can not be obtained. Fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-18

Ruskin, FL

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

2017-05-18

Long Beach, MS

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

2017-05-17

Lithonia, GA

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

2017-05-17

San Gabriel, CA

Incorrect information on your report

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

Account information incorrect
Complaint: There are XXXX companies reporting a delinquent account that originated with a 60 month loan with XXXX that was secured by a vehicle. The Loan was originated on XXXX/XXXX/XXXX for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on XXXX/XXXX/XXXX. I paid this loan as agreed until Approximately XXXX XXXX when the loan was transferred to Green Tree for servicing. I was notified by Green Tree that my balance was still {$13000.00} after I had been paying my payments since XXXX ( 5 years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on XXXX XXXX, XXXX which I refused via fax on XXXX XXXX, XXXX and asked them to come and pick up the car that the loan was secured on. Green Tree then transferred the Loan to Ditech Financial who also tried to collect before selling the account to XXXX XXXX. I currently have a delinquent closed account being reported on all XXXX of my credit bureau reports by Ditech Financial LLC for the loan which was originated with XXXX as well as a delinquent Open Collection Account on all XXXX of my credit bureau reports by XXXX XXXX in the amount of {$13000.00} which again was originated with XXXX. My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the Green Tree Welcome Letter ) ; completely different than the Original Note ( Shown on the XXXX Loan Origination Note ) The Green Tree Welcome letter does however reflect the correct XXXX Loan/Account number and corresponding Green Tree account number, which is then referenced by Ditech Financial and XXXX XXXX. I will also include a letter from XXXX stating that they no longer have any of the documents of my real estate loan that was originated with them ( it was actually a 60 month vehicle loan that originated on XXXX XXXX, XXXX ) so they will delete the account from my XXXX agency credit reports. I would like to have any delinquent accounts associated with the Loan that was Originated with XXXX be deleted from all XXXX of my credit bureau reports PERMANENTLY Deleted.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-17

Westminster, CO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: At the end of XX/XX/XXXX /beginning of XX/XX/XXXX , I s ent a payment for {$3000.00}. Details are in the 2 l etters I 've written to their customer service. XXXX XXXX 2017 I s ent : To whom it may concern : The {$3000.00} that I sent at the end of XX/XX/XXXX was for XX/XX/XXXX p ayment with the extra to go to principal. In other words, there should have been a total of {$2500.00} going to principal for XX/XX/XXXX . Please correct this. I will send XX/XX/XXXX payment later this month. Thank you. On XXXX XXXX 2017 I sent : To whom it may concern : My last payment at the beginning of XX/XX/XXXX w as for {$3000.00} ; there should have been a total of {$2500.00} going to principal for XX/XX/XXXX . My mortgage contract clearly states it as I have previously outlined to you when you went by the name of Greentree. Also, my lawyer has addressed this issue. You need to correct the payment applied at the beginning of XX/XX/XXXX t o reflect this and follow my wishes for payments in the future. Thank you. As alluded to in the last message, I 've had an ongoing problem with Ditech/Greentree. It took a few letters from my lawyer to fix this issue last time. To anyone considering a mortgage, I would have a clause written in that the mortgage may never be sold to, bought by, etc. Ditech, Greentree or any subsidiary or such. I WILL be doing this on any future mortgage I EVER make.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-17

Sellersburg, IN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-05-17

Warren, OH

Incorrect information on your report

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

Account information incorrect
Complaint: I made a payment to Ditech XXXX / XXXX / XXXX @ their website, I got a confirmation # XXXX . Past 30 days I find out that they never got the payment. It went on my credit report.I called Ditech today to see what happened.First they said something about the wrong account was entered, then came back on the phone and said the information was entered twice, thus rejecting it, BUT I got a confirmation #, I thought all was well.Ditech representative said they can not correct the negative report to credit bureau.that 's all I ask for.
Company Response: Closed with explanation

Timely Response

2017-05-17

Lewisville, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX , TX XXXX Ditech Mortgage Account # XXXX Dispute I am having problems of mismanagement, fraud, and harassment from Ditech Financial LLC in regard to Mortgage Account # XXXX . We used to have our mortgage wit h Ditech Financial, and in XXXX XXXX , we refinanced our mortgage from Ditech to another lender ( initially XXXX XXXX XXXX , which then transferred it to XXXX XXXX ). At the time, we were provided a payoff, which was fully paid, and the refinancing was completed. Soon after that, in XXXX XXXX , Ditech contacted us saying they had done an error in their calculation of the payoff. They had applied {$1800.00} as part of a Federal program to my account in error and they needed me to pay this amount back. I agreed to pay this and close the account. Howeve r, Ditech de cided to keep my mortgage ( with a principal balance that sometimes states {$0.00}, and others {$1400.00} ), as well as the related escrow account, open so now it seems I have XXXX mortgages on my house. Also, Ditech started to pay through the escrow for Hazard insurance on my house, and county tax es, which were at the same time being paid by my current mortgage company, XXXX XXXX . And now Ditech wants me to pay them more than {$10000.00} to cover the payments that they made in error. So, they started with a small error of {$1800.00}, and continued to do more errors to more than {$10000.00}. They are demanding I pay these amounts, harassing me on the phone to pay them, lowering my credit score a nd making it more difficult for me to get a car loan. I made several payments to cover the initial {$1800.00} I agreed to pay, b ut Ditech, for some reason, keeps my payments in suspense and doesnt apply them to my account. I am attaching several statements from Ditech, and from my current mortgage company, XXXX , providing more information. I have communicated on the phone several times with Ditech customer service. I was given different and contradictory information on many occasions. I was also told that they will investigate my account and solve the problem, but never got back to me. The latest example of this irresponsible behavior was my phone conversation in XXXX with the Ditech supervisor XXXX XXXX ( Extension # XXXX ). He noticed the irregularities in the Ditech handling of my account, and he promised he will investigate this and call me back. We even scheduled a time when he was going to call me and clarify things but he never called again. I dont know what to do about this. I am pleading for your agency to help me with this case of I believe is mismanagement, fraud and harassment. XXXX , XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-05-17

Bloomington, MN

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Six months ago I received an IRS XXXX form from Ditech Mortgage indicating Ditech had paid me income during XX/XX/XXXX . This is false information. Ditech is m y mortgage company. I do not escrow any funds with them, and they sent me no income checks or any other form of income in XX/XX/XXXX . I immediately called Ditech to fi nd out why added income was reported to the IRS false ly. Ditech has abysmal customer service - very disorganized and each time one calls, one g ets different, varying information after lengthy times on hold - none of which so far appears to be correct now that it 's six month later. During this time period, I have repeatedly had to call Ditech and explain this mess, to no avail as of this date. After numerous phone calls trying to find out what the alleged check was for and why they reported false information to the IRS and askin g Ditech to correct this false information sent by them to the IRS, I was told by Ditech the check was for {$81.00} for interest they paid me because they had held onto my insurance claim check for so long in XX/XX/XXXX . ( I had roof damage/storm damage repaired in XX/XX/XXXX so my insurance company had sent me payment on the claim, but Ditech insisted the check be signed over to them until the job was completed and inspected by Ditech. S omething I thought was very fishy, given what I feel is the suspicious nature of this company. I never chose to do business with Ditech - apparently my mortgage was sold to them or they changed their name from Green Tree after another mortgage outfit went bankrupt several years ago, from what I have been able to piece together. ) After numerous promises throughout XX/XX/XXXX through XX/XX/XXXX an d numerous phone calls by me to this Ditech outfit, ( somehow related to Green Tree, which I recall from decades ago was involved in the infamous Savings and Loan scandal, causing XXXX XXXX to spend time in prison ) I still had received no check. I called again, and on XX/XX/XXXX , received a " check ' ' fro m Ditech for {$81.00}. I cashed the check at XXXX XXXX , only to find o ut XX/XX/XXXX , t hat the check was worthless! XXXX XXXX assessed my account back for the {$81.00} plus {$12.00} in penalty fees. I called Ditech XX/XX/XXXX , t o report this latest XXXX . I was told they realized they had sent out checks with the wrong routing number or wrong account number. I was told they had now " overnighted '' replacement checks ( including {$35.00} extra for penalty fees ) to the damaged customers, and that I should have my check by now. It is n ow XX/XX/XXXX , an d I still do not have the check. I called Ditech aga in today about this. As usual, they kept me on hold for a lengthy time, seemed confused, had incomplete records of what has transpired, and initially said no check at all had been sent ever. After more time on hold, they then said yes, they had overnighted replacement checks last Friday and promised ( once again ) the check 's in the mail. After nearly six months of dealing with this company, sending them emails, and making numerous lengthy phone calls, I have no confidence in them. I would like to have my mortgage held and serviced by a different company, as Ditech is no t fit to be in this business. I want them to 1 ) correct the information sent in XX/XX/XXXX to the IRS, 2 ) send me the interest check plus penalty fees in XX/XX/XXXX , 3 ) not retaliate against my mortgage account or me, which are both entirely in good standing, and 4 ) sell my mortgage or its serviicing to a more reputable company, as I wish to cease doing business with this company. I also suggest the CFPB investigate business practices at this company and take action against this sort of behavior that I 've had to deal with for nearly six months and counting.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-05-16

NE

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: In XXXX of last year we were offered a " strea m Line '' loan modification of our mortgage ; we had gotten behind on some of our payments because of some health issues my wife and daughter were having. They originally told us this would lower our monthly payment and would keep us from falling further behind. The agreement was we would pay {$890.00} fo r Three m onths then the loan modification would go though with our new payment. That would mean at the beginning of this year we should of had our new payment and been on a regular Mortgage. Unfortunately this has not been the case. I have had to call in my payments for the last 7 months which have caused me to inadvertently miss a payment . Ditech the loan company has given me the run around for the last 5 months saying paperwork is on its way, or underwriting is behind or it was already mailed out. now the latest is well you missed a payment in XXXX so now we do n't know if you will get the modification, after we had been told for months the paperwork is already processed. I am so frustrated, the rep. even told me to just sell my house, I honestly do n't understand why they are treating us like this. We just want our modification done so it reflects right on our payments and then we can clean up our credit. I also wanted to mention that they sent a rep to our house at about XXXX at night while I was at work, when I confronted them about it they said it was n't them but it was XXXX XXXX just checking to see if anyone was still living there, when would another lending company do that? so much miss representation.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-05-16

Northside, NC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-05-16

Lyndora, PA

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

2017-05-16

Billerica, MA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response