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 123
2017-05-16
Detroit, MI
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-16
Lawrenceville, GA
Incorrect information on your report
Mortgage: FHA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-16
Farmingtn Hls, MI
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with monetary relief
2017-05-15
Sherman Oaks, CA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-15
Bohemia, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ditech Financial LLC recently agreed to modify my mortgage loan and withdraw its Foreclosure Complaint. In the process of modifying my mortgage loan they misappropriated {$1900.00} of my money that was sitting in an Unapplied Funds Account. I have brought this to the attention of the Customer Service Department at Ditech and their response is that I am wrong and that no funds were misappropriated. Please see the attached document that prov es, using Ditech Statements and Schedules, that {$1900.00} was withdrawn from the Unapplied Funds Account without any valid or legal purpose. Please compel Ditech to return m y {$1900.00} without any further delay.
Company Response: Closed with explanation
2017-05-15
Homestead, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-05-15
Una, SC
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: i have a mobile home loan with Greentree finance who sold loan to Ditech it was paid off about 15 to 18 yrs ago but never got lien released thru SC dept of motor services. we went to get title from them they said it still had a lien on it and said to contact Greentree when we did we found out it was sold to Ditech. we contacted then they said it would take 10 to get a letter of release we waited about 2 weeks did not get anything in mail we called back they said it could take up to 30 days still nothing. we have made no less than 10 calls everytime we get a differe nt answer. last week we were told to fax a request in and ask them to contact us about this again no acaa back now they tell us we need to email info to XXXX XXXX XXXX . they mobile home has been sold and the new person ca n't get permit to have it setup without a clear title.
Company Response: Closed with explanation
2017-05-15
Greenwood, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My loan was sold to Ditech Financial LLC. I have been trying to change my payment back to every other week from monthly. Although they state offering this service and have a corresponding form, they continue to reject my request and can not tell me the correct start date I need to put on the form with the appropriate day of the week for approval. They continue to reject the form stating I need a different start date or day of the week for the biweekly payments. They also requested that I pay an additional month in advance -- but instead of applying this to the biweekly payments- they took the money off of the balance of the loan and are now again requested an additional payment. Today I called their help number, but their computers are down and they ca n't see my account. Dealing with Ditech is like going to a dysfunctional circus. They will not benefit from me paying of my loan sooner -- therefore they are making the process very difficult.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-15
PA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: i am a XXXX XXXX doing a refinance for a client and she currently has XXXX mortgages. i have proof that her 2nd mortgage that is a line of credit was never paid more than 30 days late, yet Ditech is w illing to verbally admit they posted incorrecty but will not put this in writing therefore preventing me from closing this loan. I have a recorded line from the XXXX XXXX company that i work with the states no 30-60-90 days late, but the history must match from Ditech . They stated they would fax a letter stating the month in dispute was not late however this letter has not arrived, need help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-15
Gastonia, NC
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-05-15
Bowdon, GA
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-05-14
Belle Haven, VA
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was paid
Complaint: Ditech Servicing LLC AKA as G reen tree Servicing mishandled partial payments sent to them every 14 days intended for mortgage payment. Per Ditech policy when partial payments are received they hold it in an account called unapplied funds until full payment is received and then apply to payments. Ditech is in breach of this practice as evident as multiple attempts made to their company during the time frame of 7 months when funding was noted in unapplied funds and not being applied to payment. This caused multiple late fees to be applied to the account with no notification to me. From XXXX to XXXX multiple attempts were made to Ditech making them aware that errors were noted on my account and was not addressed until XXXX / XXXX / XXXX . Specific dates of attempted notification were ; XXXX / XXXX / XXXX , XXXX . XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX and XXXX / XXXX / XXXX on XXXX / XXXX / XXXX Ditech alleges they went back to the start of the account and re allocated funding correctly. It was noted by my CPA that an error still occurred.Per email from Director XXXX XXXX and conversation with XXXX on a recorded line because if over payments routinely received it would be applied to principle balance resulting in the principle balance to decrease. However, after the reallocation, the principle balance increased as evident in webpage vary principle balance on XXXX / XXXX / XXXX of XXXX and then on XXXX / XXXX / XXXX increased to {$140000.00} Multiple emails and faxes have been sen t to Ditech since the reallocation to question this on XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , on XXXX / XXXX / XXXX I received an email from AVP XXXX XXXX stating that none of my questions will be addressed because from Ditech standpoint they have addressed everything appropriately on XXXX / XXXX / XXXX I received notification from my mortgage insurance company informing me that mortgagee assigned was changed to Ditech Financial LLC, Its affiliates and or assigns. I contact ed Ditech to inquire to disclose named affiliates or assigns to pro vide full disclosure and attached email from AVP XXXX XXXX is the response on XXXX / XXXX / XXXX I received multiple mailing fro m Ditech date d for XXXX / XXXX / XXXX stating they are acknowledging receipt of complaint received on XXXX / XXXX / XXXX , XXXX / XXXX / XXXX stating they are acknowledging receipt of complaint received on XXXX / XXXX / XXXX , XXXX / XXXX / XXXX stating they are acknowledging receipt of complaint received on XXXX / XXXX / XXXX , and an escrow shortage summary dated for XXXX XXXX , XXXX in the amount for {$14.00} On XXXX there intranet demonstrates that my fixed loan now reflect a payment of XXXX rather than fixed payment amount of {$880.00} Since the practice of CFPB is to close cases without giving the victim a chance to respond the response of the company XXXX XXXX - who advocated for your very existence has been involved in this matter along
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-13
Kansas City, MO
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Complaint: Ditech Financial LLC Was asked to provide the ORIGINAL signed Note giving them the right to collect. They continue to send a letter of service agreement. We are receiving notices from several entities on the same debt.
Company Response: Closed with explanation
2017-05-12
Bellaire, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ditech is the servicer on my mortgage loan. I have not had an escrow account in years. I paid my taxes in full the end of XXXX for the full year of XXXX . Ditech sent me a statement on XX/XX/XXXX and attached an escrow account and billed me for it. By law they are not allowed to do this unless I am delinquent on taxes or insurance. I am not. My mortgage payment on my loan terms is {$640.00}. I have automatic withdraws on my bank account and they are taking {$970.00} a month. I called on XXXX XXXX XXXX when I realized what happened. I spoke with XXXX in the Tax Dep artment. She said it would be corrected in 5-7 days. S he admitted that they made a mistake and paid XXXX county my taxes for XXXX . I faxed them on the same day proof I paid my taxes to XXXX . I received confirmation they received this. In XXXX , they charged me the correct amount of {$640.00}. On XX/XX/XXXX I called again and spoke with a manager named XXXX . These calls are recorded by the way. She said there were waiting for a refund from XXXX county before the refunded my money and quit charging me for an escrow account. She mentioned it was their mistake as well. However, XXXX and XXXX they took {$970.00} again. I called back on XXXX and spoke with XXXX XXXX in the tax department of Ditech a nd his manager XXXX . They both promised it would be resolved in a few days as well. Now they are taking {$810.00} out of my account. This is the XXXX month that I 've had to take an hour out of my day to call and try and get them to stop taking my money. This is illegal and it 's not my fault that they made a mistake and paid my taxes. My loan terms clearly state that I do not have an escrow account. I 'm frustrated, want my money back with interest and want them to stop taking money from my bank account illegally. I can n ot imagine how many other people they have done this to. I 'm sure I 'm not the only one.
Company Response: Closed with explanation
2017-05-12
Arvada, CO
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: This is a follow-up to a previous complaint with your agency. That complaint # is XXXX . I had a mortgage on my home serviced by XXXX XXXX based in XXXX , FL, at the time that m y HOA file d a foreclosure suit against me over disputed HOA fees. Within days of this occurrence, XXXX sold the loan to a company called Green Tree Servicing, which has since changed its name to Ditech. Ditech is my current loan servicer. The summary of my dispute is captured in a letter I sent to Ditech dated XXXX XXXX , XXXX , which is the last of several letters I wrote to them. I include it as an attachment below. I never received a response to this letter, and so I assumed the matter had simply gone away. However, starting in XXXX XXXX , I saw on my mortgage statement that there was a separate charge of {$80.00}. I thought this had something to do with the escrow shortage. I finally call ed Ditech a week ago to find out exactly what this charge is. I now discover it is to cover the legal f ees that I had disputed in my earlier complaint and that I continue to dispute. In other words, Ditech is tacking this extra charge on to capture these fee s which I contend should never have been incurred in the first place. So in fact, my complaint has still not been resolved to my satisfaction. They simply decided to ignore this last letter dated XXXX / XXXX / XXXX !
Company Response: Closed with explanation
2017-05-12
Las Vegas, NV
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: The servicer refuses to follow the signed order from a FEDERAL COURT JUDGE. This has gone on for well over a year. I have contacted XXXX XXXX at the CFPB and was told to refile a complain since the matter is not resolved and the servicer refuses to update the payment history to reflect current and cancel out the negative balance. Prior submitted attachments very clearly show that the account should not be escrowed. Previous complaint number is XXXX . On the previous response by the servicer they were inaccurate and very clearly have still not followed the judges previous orders. XXXX XXXX
Company Response: Closed with explanation
2017-05-11
MI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: We filed for Chapter XXXX bankruptcy in early XXXX to save our home from foreclosure. At the time, our mortgage was with XXXX . During the bankruptcy the loan was transferred to XXXX then to XXXX XXXX XXXX . Our last mortgage payment made through the bankruptcy to a mortgage company was XXXX . At this same time Ditech began se rvicing the loan. The filed paperwork stating that we were behind on payments, but then relented and said the loan was current. I tried to cont act Ditech in Fall of XXXX to try to have PMI removed. Ditech w ould not talk to me and referred me t o a 3rd party bankruptcy servicer. This 3rd party sai d that they showed my payments as current and that I would need to make my request by fax to Ditech to have the PMI removed. I faxed Ditech, but ne ver heard back. In XXXX of XXXX , I tried to contact Ditech again and was again referred to t he 3rd party servicer. They again confirmed my payments were on time and that they had made multiple requests to Ditech to begin servicing the loan again because my bankruptcy had discharged in XXXX . I contacted the servicer a few other times about the change in servicing. On XXXX XXXX , I faxed Ditech to reques t they begin servicing the loan again, to remove PMI, and to recalculate our escrow because they had made an error in the estimate. About a week later I received a letter fro m Ditech stating tha t we were past due {$3300.00}. I left a message for the agent XXXX at extension XXXX . When she called me ba ck three days later I missed the call. On XXXX I faxed Ditech court paperwork from their lawyers stating that as of XXXX / XXXX / XXXX our mortgage payments were current. Since this time we have made all mortgage payments. I received a call from XXXX at extension XXXX on XXXX XXXX . She stated that we did not make all of our payments during the bankruptcy or that some payments were made but not for the full amount due. She was unable to tell exactly when this happened due to the transferring of the mortgage, but she was going to send me a payment history. She reminded me of the amount past due and the possibility of foreclosure.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-11
Fresno, CA
Communication tactics
Debt collection: Mortgage debt
You told them to stop contacting you, but they keep trying
Complaint: This stems from a mortgage debt that was foreclosed and settled/chared off seven years ago. This company keeps calling and saying I owe mon ey, though this matter has been finalized for years.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-11
Federal Way, WA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My mortgage company Ditech changed the monthly escrow amount during my XXXX XXXX statement and due to business travel, I missed their letter informing of the increase of {$29.00}. I have auto pay being set up with my bank which did payment on time but short of {$29.00 } ( escrow increase ). This resulted in a late fee of {$33.00}. I called on XXXX to asked if the fee could be voided which they refused. I explained that considering my escrow balance is positive of {$450.00} and that they received my payment for the principal, the interest and most of the escrow monthly fee, they should not consider this a missed payment and therefore should not trigger a fee for this type/scale of error. I think this is unethical practice from a loan servicer and would like to file a formal complain. My loan number is XXXX
Company Response: Closed with explanation
2017-05-11
Phila, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I am submitting a response to DiTech 's comments based on a complaint submitted to the CFPB ... ( # XXXX ) I could not respond on the site online after the original complaint, because the computer would not allow me ; so I am submitting another complaint .... DiTech 's response comments are distressing to me based on the following : 1. DiTech never answers any of my complaints but repeatedly states the same erroneous comments.
2. I have and am paying DiTech {$1000.00} a month which is well over the monthly amount requested with an " unapplied '' balance that consistently grows each month. DiTech never applies or discusses these $ amounts and only " uses '' them when they attempt to Default my loan and take my home .... ( subtracts these $ amount from the total they want me to pay to COME CURRENT ) 3.. Although I pay {$1000.00} every month ; every 2 to 3 months I still get a notice to Default to take my home with an elevated amount to pay at a specific date.. I still have always complied either immediately or with the direction of a supervisor who corrects said amount to pay. It has ALWAYS been an amount to COME CURRENT ... Therefore, how within the ne xt 2 to 3 month s is that action to Default again attempte d by DiTech even though I never skipped a payment but have paid consistently OV ER and ABOVE the regular monthly amount paying {$1000.00} on a XXXX XXXX m o nthly bill. 4. I am paying an interest rate that is one # when I call and substantially higher when other companies research my loan. DiTech h as never tried to lower nor have they given me positive progressive ways to better pay off my mortgage. All I have gotten fro m DiTech and its employees is negative harassing and aggressive tactics, pushing me to Default on my loan.
5. In response to this, DiTech keeps erroneously comm enting on a XX/XX/XXXX payment at t he beginning of my being Pushed into an account with DiTech in 2013, a whole 4 years ago that I have paid off over and over again when they bully me to pay these large amounts to COME CURRENT and then in the next 2 to 3 month s do the same thing. If I have COME CURRENT then I AM CURRENT .... My monthly statement should not reflect an extra " Pre/Post Dated '' month that I will be charged for with a letter in this vicious cycle.
Company Response: Closed with explanation
2017-05-10
AZ
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I applied for a loan modification on my mortgage XXXX / XXXX / XXXX due to loss of income from my son turning XXXX . SS was due to income because my husband passed away XXXX . I was told by SS when my older son graduated the difference would go to other son. However that was not the case. I was approved for Modification XXXX XXXX , XXXX in which my payments became affordable. I signed all docs and returned them. I have been making the payments that have been agreed upon. XXXX XXXX I received call from Mortgage company advising they where to send new docs. New docs where sent out and received them XXXX XXXX via XXXX . Upon reviewing MOD was changed and payments increased. I was told never told why I was getting new ones. I took info to agency that helped me get MOD. I gave them authorization to request info. She was told mistake was done in 1st MOD since property is MH. I was finally told by Mtg that yes it was a mistake also. My payments have been made and have been accepted by Ditech.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-10
Fairburn, GA
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-05-10
Burbank, CA
Communication tactics
Debt collection: Mortgage debt
Frequent or repeated calls
Company Response: Closed with explanation
2017-05-09
Kingstree, SC
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-09
PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: This is t he 3rd c omplaint I 'm submitting ag ainst Ditech Financial. I keep sending the proof and I 'm getting no where. In XXXX XXXX sold the mortgag e to Green Tree, who then became Ditech. T hey keep saying that I had a NSF from XXXX XXXX , XXXX . My XXXX payment was sent to XXXX and cashed, paid to the ord er of Green Tree. I ' m attaching a copy of the cashed check. I was using my boyfriend 's bank account but my loan # was on the check and as you see, it was not returned as NSF. I 'm also getting statements fro m Ditech showing " funds in suspense ''. They are not applying my funds to my principal balance, I do n't know what they are doing with my money. I pay twice a month, this was done to pay off the loan sooner. First they said I was in default from XXXX XXXX , now they say that was wrong, it 's XXXX XXXX , well the cancelled check is attached. I also received the attached threatening letter about foreclosure. It 's dated XXXX / XXXX / XXXX , and it says my next payment is due XXXX / XXXX / XXXX . Also attached are my bank statements, I ha ve two diffe rent banks. As you can see, both payments for XXXX were taken from my accounts and the first payment for XXXX was also taken. Where is this money going? Why is there not a class action law suit. Read all the complaints that you 've received. They are all similar to mine. The closer you get to paying off the loan, the more they threaten and say you owe money. This has been going on for 4 years, I keep sending them the check. My payments are not being applied properly. They are literally stealing my money. Attached is the cashed check from XXXX / XXXX / XXXX , a copy of the threatening letter received on XXXX / XXXX / XXXX , a copy of the fax sent to Ditech today, XXXX / XXXX / XXXX with the cancelled check and my bank statements showing both payments for XXXX XXXX and one for XXXX XXXX , the other gets paid XXXX / XXXX / XXXX .
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation