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 125
2017-05-03
Latrobe, PA
Communication tactics
Debt collection: Mortgage debt
Frequent or repeated calls
Company Response: Closed with explanation
2017-05-03
Bermuda Dunes, CA
Closing on a mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-03
Piscataway, NJ
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-03
Keytesville, MO
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-05-02
GA
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: This is a follow-up to my previous complaint. Consumer Financial Protection Bureau ( CFPB ) : XXXX Ditech Financial LLC Account Number : XXXX Ditech stated in there letter dated XXXX XXXX , XXXX : Our records show, however, a new advance was assessed to your account on XXXX XXXX , XXXX . This new fee, in the amount of {$29.00}, was assessed due to the delinquent status of your account. As servicer of your loan, we are obligated to protect the investors interest in property if an account becomes delinquent, thus an external property inspection was performed to determine the occupancy status. Please note that your XXXX XXXX payment was due XXXX XXXX , XXXX , but did not post to your account until XXXX XXXX , XXXX . This is an inaccurate statement as I have enclosed documentation from my bank showing when the funds were electronically with-drawn from my account, ( for XXXX XXXX payment ) which was withdrawn on XXXX XXXX XXXX , instead of XXXX XXXX , XXXX as stated in the above response from Ditech.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-05-02
Bethlehem, GA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: Good Day, My name is XXXX XXXX , and I am writing on behalf of mother, XXXX XXXX XXXX , who has mortgage account Ditech Financial . On XXXX XXXX XXXX , I was trying aid my mother on doing another loan modification for the mortgage. XXXX XXXX received the forms, and the forms are required back to Ditech by XXXX XXXX XXXX . On XXXX XXXX XXXX , the required forms were sent via fax to XXXX as required by the XXXX XXXX XXXX deadline. In addition, to the forms it was letter from, XXXX XXXX , advising Ditech that she has not lived or provided resources to XXXX XXXX since XX/XX/XXXX . XXXX XXXX received a fax confirmation of the fax going thru. However, XXXX XXXX received a letter from Ditech stating some documents were missing. The missing documents were 1 ) Bank statements, 2 ) Bank/Liquid Assets Verification of Assets, 3 ) Pay Subs, 4 ) Public Assistance, and 5 ) Form XXXX . Thus, on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX had called Ditech , and they spoke with a representative about the missing documents. XXXX XXXX and XXXX XXXX advised the representative that XXXX XXXX does not have a statement because she only has a debit card with the bank for the deposit of her XXXX . The representative was advised bank transaction history is all the bank provided XXXX XXXX . The bank/liquid assets verification of assets was not provided due XXXX XXXX does not have a checking account. Of course, the pay stubs were provided due to XXXX XXXX has not worked to XXXX . The public assistance documents were sent to Ditech. The form XXXX was not provided because XXXX XXXX has not filed a tax return since XXXX , and with the XXXX the request for the XXXX most current tax returns from XXXX , XXXX , and XXXX . In addition, the representative was advised, XXXX XXXX would not provide because it would not be fair to XXXX XXXX case of the loan modification. In addition, supervisor name XXXX advised we could have done a quit deed claim to remove XXXX XXXX name from the loan modification documents. XXXX XXXX advise XXXX that we were not aware of this option. The representative stated okay, and to fax over the bank transaction history because a few pages were unclear, and to send the XXXX XXXX . The fax of XXXX documents was sent on XXXX XXXX XXXX to avoid the deadline date of XXXX XXXX XXXX . XXXX XXXX XXXX waited patiently for a reply from Ditech in regards to loan modification, and XXXX XXXX did not hear anything from Ditech expect a letter date XXXX XXXX XXXX stating that XXXX XXXX at XXXX extension XXXX is assigned to XXXX XXXX account. On XXXX XXXX XXXX , an email was sent for a status up of the loan modification, and a voicemail was left for XXXX on XXXX XXXX XXXX as well. Thus, XXXX XXXX XXXX , XXXX XXXX and XXXX XXXX had called Ditech to get an update on the loan modification, and of course, we were sent XXXX voicemail. XXXX XXXX filed a complaint with XXXX XXXX , and he spoke with XXXX @ XXXX extension XXXX . XXXX XXXX conducted her research, and advised XXXX XXXX that she is siding with h Ditech on the forms not be completed. However, prior to XXXX XXXX decision about the loan modification. XXXX XXXX , received three let ters from Ditech. The first letter dated XXXX XXXX XXXX stated XXXX XXXX at XXXX extension XXXX i s assigned to the account. The second letter dated XXXX XXXX XXXX stated XXXX XXXX at XXXX extension XXXX is assigned to the account. The third letter dated XXXX XXXX XXXX stated the proper forms were not received, and XXXX XXXX loan modification request is closed. Thus, XXXX XXXX would be required to re-apply again. XXXX XXXX agreed, and sated that we speak with Ditech . Therefore, if the loan modification was closed out in XXXX XXXX , so why letters dated XXXX XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX s tating that XXXX XXXX account has been assigned. XXXX XXXX was unaware of the loan modification being closed until she received the letter from Ditech dated XXXX XXXX XXXX . XXXX XXXX called Ditech on XXXX XXXX XXXX to discuss why the loan modification request was closed out without our knowledge. XXXX XXXX was speaking a representative name XXXX , and he questioned the representative on why the documents were not received & we have the fax confirmation page. XXXX XXXX kept saying Ditech did not receive the forms. Thus, at that moment , XXXX XXXX had requested for a supervisor. A supervisor by name of XXXX took the call, and XXXX XXXX questioned her as well on why the documents were not received & why XXXX XXXX was not contacted that the loan medication had closed out. XXXX replied that Ditech did try to contact XXXX XXXX back in XXXX XXXX & XXXX XXXX by dialing phone number XXXX . XXXX XXXX advised that is XXXX XXXX old phone number, and her new of XXXX was changed back in XXXX XXXX . XXXX XXXX stated Ditech did not know of the new phone number until they tried to call her on XXXX XXXX XXXX , and she stated that someone spoke to my mother to advise me to call them back. XXXX XXXX advised XXXX XXXX XXXX did adv ise of the new phone number by checking the box on the payment stub of new information for the account. XXXX stated she does not see that we did for the account, and I know we did that for the account because this payment is only payment that XXXX XXXX sends in for payment. In addition, XXXX XXXX new phone number was even on the loan modification documents. Furthermore, XXXX XXXX has even called Ditech prior to XXXX XXXX with her new phone number. In addition, upon reviewing the phone records for XXXX XXXX for XXXX & XXXX there are no calls from Ditech as advised by XXXX . Then XXXX going stated that a confirmation fax is not guarantee the fax has went thru, and advised yes it is because if so then the fax would have been rejected. Thus, XXXX stated well maybe the fax did not come thru clear or not received on their end. Advised XXXX well that is not XXXX XXXX fault because the fax was sent. XXXX XXXX does not believe this fair that Ditech is not going to honor the fax confirmation when faxing is option to send the loan modification documents. Therefore, if Ditech i s not going to honor faxes, then that should not be an option to send the documents. Even more, XXXX stated that the bank statement was not sent in, and Ditech needs that instead the transaction history. XXXX XXXX advised XXXX that document was provided by her bank, and XXXX XXXX does not have a checking account because she only has a debit card for her XXXX deposits. XXXX XXXX stated well that looks like the document was printed off line, and if an individual prints something offline from the bank, the bank website is going block part of the card number. Thus, if XXXX would have reviewed the document, she would have saw XXXX XXXX whole card number was showing.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-02
Ardmore, OK
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-02
Bryn Mawr, WA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-02
Apple River, IL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have sent you documents pertaining to my illegal foreclosure. Some of the documents have been redacted, but my name and other personal information such as email address and home, mailing address has been included. Ditech has already received this information through faxes and local court filings. As yet, Green Tree, LLC. a.k.a. Ditech Financial, LLC has refused to validated the mortgage debt, or conclude their so-called, fraud investigation concerning my mortgage payment account. Ditech has continued to attempt to profit from their own fraud, and fraud perpetrated by XXXX XXXX XXXX and XXXX XXXX XXXX by attempting to move the local court to sell my home regardless of the court 's order vacating the judgment of foreclosure.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-02
Wallington, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-02
Atlanta, GA
Closing on a mortgage
Mortgage: FHA mortgage
Complaint: Ditech Financial LLC was the mortgage servicer on my FHA mortgage loan and I refinance XXXX XXXX , 2017 ; funding XXXX XXXX , 2017 . The company issued a payoff thru XXXX XXXX , 2017 which included 30 days interest ; {$800.00}. However, Ditech has not refunded th e 21 re maining days interest due me and FHA document no. XXXX states the mortgagee can not charge interest beyond the payoff date. I 've spoken to several customer service representative and management by phone and was finally told the investor requires 30 days interest. There is no prepayment penalty and I 'm entitle to the refund. There, I would appreciate assistance obtaining the balance due {$560.00} ( 21 days ) interest as soon as possible. I received the escrow balance due but not interest refund. Thank you
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-05-02
Key Biscayne, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-01
Wichita, KS
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: MY MOTHER PAST AWAY XXXX / XXXX / XXXX FROM THAT DATE UNTIL XXXX / XXXX / XXXX DITECH HAS REFUSED TO TALK TO ME BUT STILL SENDS BILL FOR MORTGAGE AND FOR INSURANCE THAT THEY BOUGHT IN MY NAME WITH OUT MY PREMISSION. I SENT ALL LEGAL DOUCUMENTS TO THEM BUT THEY KEPT COMMING UP WITH REASON OR ITEMS NOT REQUIRED BY THE STATE OF KANSAS TO NOT TALK WITH ME, WE WENT TO COURT AND BASICLY NOT HEARD. THE JUDGE KNEW THE LAWYER FOR THEM AND ALL THE LEAGLE DOUCUMENTS I PROVIED WERE NOT IN THE FINAL JUDGEMENT WHAT DID SATE THAT THESE WERE NOT PROVIDED BUT IF THE JUDGE WHO WAS THROWN THE CASE WOULD HAVE ACTUAL READ THEM HE WOULD HAVE SEEN THAT THE DOCUMENT WERE THERE. I FILED WITH THIS ORGANIZATION AND MADE A COMPLANT BACK IN XXXX THEY HAD DAYS TO RESPONED TO THE COMPAINT, ON XXXX / XXXX / XXXX I GOT A LETTER SAYING AGAIN WE HAVE NOT FILDED WITH THEM ANY DOUCMENTS SO THEY COULD NOT TALK TO ME OR MY ROOMMATE WHO HAS MY POWER OF ATTORNEY TO SPEAK FOR ME ( WE WERE BOTH LIVING IN THE HOME UNDER QUESTION ). I GOT A RESPONCE FORM THIS COMMISSION THAT ON XXXX / XXXX / XXXX THAT AFTER THEY REVIEWED THEY WERE NOW WILLING TO TALK TO US . DURING THIS TIME THEY SOLD THE HOME. THE ONLY REASON THEY RESPONDED IS BECAUSE OF THIS COMMISSION AND THAT THEY LOST A CASE IN XXXX FOR DOING THE SAME THING.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-01
Sandy Hook, CT
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-01
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-01
Hinkley, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I received a letter from Ditech Financial LLC on approximately XXXX XXXX , 2017 st ating that my mortgage payment due XX/XX/2017 was not received . ( My mont hly payment was {$1300.00} but increased to {$1300.00} due to an increase in the impound account. ) The letter stated a total amount due of {$89.00} including late fees of {$46.00}. The amount past due was {$43.00}. The letter then stated that I could seek assistance or guidance from HUD a list of approved counseling agencies can be found at HUD.gov. The letter then stated that I could make a payment online, visi t Ditech online or call. The letter then stated " This communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose ''. Very intimidating verbiage. NOTE : the past due amount of {$43.00} was due to an increase in the monthly payment due to an increase in taxes assessed and being paid through an impound account. The deficiency was simply due to my failure to increase the automatic monthly payment by the increase amount. I simply forgot. I contacted the company to question the 100 % + late charge and was informed that the charges are based on the whole payment, even thou gh Ditech recei ved and processed {$1300.00} on XXXX -17. My payments are set up for monthly automatic deduction from my checking account. Upon my discovery, this date, I paid via automatic payment to Ditech the {$4 3.00}, which they will receive tomorrow ( X/XX/17 ). The customer service representative took my information and stated that she would have someone return my call.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-01
Chicago, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: Dear Sir/Madame I previously filed a complaint, case XXXX . The account is now closed however I disputed the companys last response. Their last response was explaining what the origin of the loan was and dates it was charged off. I understand the account was mine and where it originated from that is not my complaint. I do n't agree with the fact that they are still trying to collect on a charged off account and tht after 7 years they still have the right to report on my credit repor ts. Generall char ge off accounts are allowed up to 7 years to report. I want to know how cnan they stil be legally allowed to report this on my credit report and if it is a charge off why are they still trying to collect on this after 7 years. When will they be removed from my credit and what is the legal time allotted to report on my credit for this charge off? Thank you XXXX XXXX XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-05-01
SC
Trouble during payment process
Mortgage: VA mortgage
Complaint: Our Mortgage Stateme nt for XXXX XXXX XXXX h ad went up by {$620.00}. Calle d XXXX XXXX to find out it was due to our escrow account the taxes portion. For XXXX our home was listed as an income property which made the taxes to up significantly by XXXX . On XXXX XXXX XXXX I went to the tax accesor office to correct this issue. I received a copy of the corrected tax amount with my tax number. I was advised to send the copy to ditec h Mortage to have this issue corrected as well to lower my mortgage to the correct amount. The amoun t copy was sent to ditech mortgage on XXXX XXXX XXXX . After speaking with the escrow department I was advised to give them 21 day 's to correct th is issue as well for the month of XXXX I will still have to pay the {$1800.00}. Which I paid on time. Now for the month of XXXX this issue almost 60 day 's later has still not been resolved. On XXXX XXXX XXXX I contacte d Ditech Mortgage a gain regarding this issue. Also sent the exact same paper again dated XXXX XXXX , XXXX . Currently Ditech M ortgage wants another 21 day 's to correct this same issue. Financially I am in able to afford to pay another an extra {$620.00} For a third month. I have attempted to speak with management in the escrow department 3 times. Which no one is ever available to speak with. I have requested and waited for a return call back fr om Management and I have not received one. I have also contacted the county as was advised that a check has been sent to Ditech regarding the over payment dated XXXX XXXX XXXX . I gave ditech Mortgage the check number, bulk amount and as well as the amount that was issued for my account.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-05-01
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2017-04-30
NV
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I pay my mortgage on a bi- weekly basis and also send in an additional {$250.00} towards principal. I have been doing this for the las t 5-6 yrs and would always receive credit every 2 w eeks toward principal as they received my payments. After reviewing my payment history, I noted that effective XXXX / XXXX / XXXX , I was only receiving credit once a month. This kept occurring until XXXX / XXXX / XXXX , then started again XXXX / XXXX / XXXX through XXXX / XXXX / XXXX . I called customer service who tried to tell me that since I am on a monthly billing cycle, that the payment sits unapplied until they get the second payment. Well that 's XXXX because it never happened before and then what 's the purpose of sending in bi-weekly payments. I called a second time and was told that they changed their system last year and are working out the issues. In the meanwhile, they have been floating my money and not giving me credit for my payments as they receive them. I sent them a letter with my payment history that shows the discrepancies of how the payments have been applied and have not yet heard from them.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-04-29
East Long Beach, CA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-04-29
Gloucester City, NJ
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I made a paym ent XXXX XXXX 2017, whi ch was 5 days late, along with extra money for the late payment. Unfortunately, I was a little over a dollar short on the late payment. The problem, they arbitrarily put the {$18.00} into the escrow instead of putting it towards the late fee. So, now, I have a past due amount of the {$19.00}. I will pay the {$1.00} and I want the rest applied to the late fee. I am struggling to make sure my payment is made, I do n't have anything left over to buy much food. I ca n't afford to pay frivilous mistakes that they make.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-04-29
San Gabriel, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: We can not get our XXXX mortgage out of BK status. It has been a year since our discharge and our loan servic er, Ditech LLC, will not correct th e problem. Our Chapter XXXX Bankruptcy was discharged in XXXX XXXX . During the BK, our loan was serviced by XXXX . We received a letter from Ditech dated XXXX XXXX , XXXX stating that our loan had been transferred from XXXX to Ditech. On XXXX XXXX , XXXX , I called XXXX to confirm the transfer of our loan. I spoke with XXXX , a Ditech CS Rep in XXXX TX. I informed XXXX that we had just recently had our BK discharged and wanted to make sure they were aware of it. XXXX said that we were in " Pre-Board '' s tatus and it would take 1-2 we eks for Ditech t o receive our file from XXXX . A couple of months later, I noticed that our loan was still being treated as a BK so on XXXX XXXX , XXXX I called Ditech to straighten out the mistake. After a two hour phone call and approximately four phone transfers between th e BK dept and customer service, I was told that they were aware of the BK discharge but could not fix it. Each department stated that the other department would have to change the " codes '' in their system to correct the problem. Everyone I spoke with entered notes in my file and said I would have to wait ano ther 1-2 m onths for our account to be corrected. In XXXX , when trying to make my mortgage payment online, I noticed that my payment had been increased but was not informed of the change. So, I called Ditech again. After making calls on XXXX XXXX , XXXX and XXXX nobody could explain the reason for the increase and I was also informed that our account was in a loan modification, which we were NOT. **ugh! ** All three phone calls lasted 1-2 hours each with no positive results. During the final call on XXXX XXXX , CS Rep, XXXX - ID # XXXX , said she put notes in my account to fix the problem and she also requested that the BK supervisor, XXXX , call me back the following day. I never received a call from XXXX . I called again in XXXX , XXXX and experienced the same problems as before. However, when I dialed the phone number on my " statement '' I was immediately routed to the XXXX XXXX XXXX , a 3rd party vendor called XXXX XXXX XXXX ( XXXX ). XXXX said they could see evidence of the BK discharge in their system but they could not do anything to remove me from BK status. They can take payments but can not assist with correcting any problems because they are a 3rd party. They have no way to transfer me to Ditech nor can they give me a phone number to call XXXX to speak with them directly. XXXX ' suggestion was to mail a letter to Ditech. Really?? I called Ditech again this morning, XXXX XXXX , XXXX and got the same run-around. I can only connect XXXX and guess what ... .they are closed today! I called every phone number listed on any correspondence I have ever received fro m Ditech but I was always routed to NBS. I tried everything I could to try and " trick '' their phone system to put me through to Ditech but nothing worked. Please help me get this corrected. I am extremely frustrated and I feel that I have been more than patient. I have done my due diligence to work with Ditech to correct their error. I have even considered driving to their office to deal with this in person but I believe they are located in South Dakota and I am in California.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-04-29
Grosse Ile, MI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XX/XX/XXXX we g ot a mortgage with XXXX XXXX who sold to XXXX XXXX XXXX ,who sold to XXXX XXXX : With none of these banks did we have an escrow ! I currently have a filed complaint against XXXX with this department , complaint number XXXX : This complaint today is against Ditech to whom XXXX sold my mortgage to:
As in the complaint against XXXX , ditech was sold my mortgage with an ESCROW in which was illegally initiated by XXXX ! However Ditech collected my escrow and kept placing my monthly mortgage payment into an escrow ! At the same time I notified them that I have no escrow and asked why they kept placing my regular monthly payment into an escrow instead of paying towards my mortgage! They explained that they didn't know why but would ask some bigger management why! Six months go by and the supposed escrow was over paid and I was told I would get a check returned for a specific amount overpaid! Yet my monthly payment continues to go into an escrow! I will fax the proof after I receive a number to refer to this complaint! I filed a complaint against both XXXX and ditech about this matter with department of insurance and financial services: FIRST OFF< YOU CANNOT MAKE PAYMENTS TOWARD A MORTGAGE FROM AN ESCROW ACCOUNT WHICH THEY DID! THIS IS ILLEGAL and all funds must be returned and this contract made void! from XX/XX/XXXX to XX/XX/XXXX , their st atement show all my payments went into the escrow! YOU CANNOT MAKE MORTGAGE PAYMENTS FROM AN ESCROW! IT IS ILLEGAL ! The only thing you can pay from an escrow , is taxes or insurance! Over XXXX went into escrow! Suddenly it disappeared in XX/XX/XXXX !!! Th ey are scammers!
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-04-28
Newport Beach, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation