Ditech Financial LLC

2017-04-28

Wonder Lake, IL

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: Ditech Loan C o. Account # XXXX Account has been set up for autopay of {$140.00} from my checking account for several years. On XXXX / XXXX / 17 ditech debited {$670.00}, the final balance with no notice, even though I spoke to a representative from their company the previous month regarding wording on my bill that says that this is " mortage payoff ''. This loan is not connected to any property I ever owned, even though it shows my old address as " property address '' on the bill. The attached bill from XXXX / XXXX / 17 , which I received on XXXX / XXXX / 17 , does not indicate any payoff intention or additional debits to my account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-28

San Diego, CA

Trouble during payment process

Mortgage: FHA mortgage

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

Timely Response

2017-04-28

Bridgeport, CT

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

2017-04-28

Pikeville, NC

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2017-04-28

Nucla, CO

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2017-04-28

Houston, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Ditech is showing our mortgage as 58 days late as of XXXX 17 when they have stored unapplied amount of {$3000.00} we paid and not applied it to the mortgage. This is completely unfair. Furthermore, they are reporting it to all XXXX credit bureaus. I have contacted Ditech when the unapplied amount was approximately {$980.00} by email on XXXX 17 and have not received a correction, just an acknowledgement of the email. Now, the unapplied amount has grown because we have been paying the mortgage, but Ditech has not applied it to the mortgage which makes us late. This is fraud.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-04-28

Collierville, TN

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-28

Lakewood, CA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-04-28

Belle Haven, VA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: First and foremost I have filed three complaints with CFPB and each time I fax the number on your website to provide additional documentation it is never uploaded to my account to reflect faxes sent on XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX and so on for case XXXX Ditech also known as Green tree servicing LLC reallocated my funding incorrectly. They have sent a representative to my home on XXXX / XXXX / XXXX , they have sent me two collections letters on XXXX / XXXX / XXXX and XXXX / XXXX / XXXX when my loan was prepaid as on XXXX / XXXX / XXXX until XXXX / XXXX / XXXX . Ditech is fabricating response letters and resolution letters being sent to me after a failed resolution to fix my payment allocation went unanswered for 10 months. Proof of that is a recorded call with their director who states the only XXXX wo letters in the system are two lett ers sent in XXXX XXXX XXXX a nd XXXX XXXX which I relay to her was never received. The reallocation of their initial application of my bimonthly payments they allege they did was done incorrectly. If applied correctly, principle balance would decrease because they were provided extra payments. However their reallocation reflects that my principle balance increased so please explain to me why are you CFPB closing my complaints without uploading my additional documents # 1 a nd then closing it when there still remains outstanding issues XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-27

Canyon Cntry, CA

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-04-27

CA

Credit monitoring or identity theft protection services

Mortgage: Conventional home mortgage

Complaint: On XXXX XXXX , 2017 I re ceive a Notice of Default and Intent to Accelerate.and paid the amount of {$12000.00} to cure the default On XXXX XXXX , 2017 I received a Notice of Denial of Escrow Cancellation since I owed the same amount that I had previously submitted in a form a cashier 's check. Upon calling the company, I get completely different answers, and finally called yesterday and was told that the amount I sent was not going to be applied to the default and that I owed an additional {$10000.00} to cure the original default. That I would lose my house if I did not give another {$10000.00}. That the customer service number is completely useless, and that the supervisors are completely useless. They need to be monitored and need to go through ethics training to stop causing distress to so many consumers
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-04-27

Shulerville, SC

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-04-27

Kissimmee, FL

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2017-04-27

Tucson, AZ

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2017-04-27

Columbus, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I took out a mortgage with XXXX many years ago and set up auto pay for the life of the loan. The loan was purchased by Ditech Financial, and when it cam tim e for the final payment in XXXX 2017, th ey failed to auto deduct the payment and charged me a late fee of {$50.00}. I called there customer service line, XXXX to complain on the evening of XXXX XXXX 2017, and they refused to refund the late fee.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-04-27

Peoria, AZ

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

2017-04-27

Gainesville, VA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-04-27

Jersey City, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-04-27

Grosse Ile, MI

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I filed a complaint on XXXX / XXXX / 2017 Case # XXXX . I received an unsatisfactory response from Ditech. I spoke to them since and they said they would have someone from their escrow department call me. No one did. The numbers do n't add up. I have asked them ( several times ) to expl ain, in layman 's terms, the specific increases that add up to the large increase in my mortgage payment. I AM DISPUTING THEIR RESPONSE TO MY COMPLAINT As a side note I called CFPB today and I 'm not sure why but when she looked up my case she gave me a totally different case number. I was given case # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-27

Oxford, GA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I purchased a mortgage loan in foreclosure on XXXX XXXX , 2017. As of today XXXX XXXX , 2017 ( 79 days ) I still have not received the Warranty Deed for this purchase. I h ave been in constant contact with the foreclosure attorneys but, still no results from the mortgage Co. Under GA l aw Code Section 44-14-3 bo th lenders & servicers can be liable to the borrower/grantor for failure to cancel a security deed within 60 days of full payment. Full payment was made on XXXX XXXX , 2017. The address of the foreclosed property is XXXX XXXX XXXX , XXXX GA. XXXX .
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Timely Response

2017-04-27

Austin, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am enrolled in a " Bi-w eekly Advantage Plan '' mor tgage payment program with XXXX XXXX . It is administered with XXXX XXXX agency a member of XXXX XXXX . I had trouble with them last year because they were using the wrong account number. I managed to get that resolved after repeated phone calls and hours on the phone. They would tell me they would be contacting me but never did. I had to call repeatedly to get results. I am having issues with them now because my mortgage company, DItech, has not received the XXXX payment in the amount of {$1300.00}. Ditech said they are going to report it to the credit bureau. XXXX let me know my payment was late around the middle of XXXX . I called XXXX on XXXX XXXX and they ( XXXX ) to ld me they were aware that a check they sent to Ditech had not been cashed. XXXX gave me a XXXX tracking number for the check they said was delivered on XXXX XXXX . I called XXXX and they looked up the tracking number. There was no such number with XXXX or the US postal service. I called XXXX on XXXX XXXX and talked to XXXX . He said he would escalate the problem and I would hear back in 24-48 ho urs from XXXX the supervisor. I never heard from XXXX . I called XXXX again on XXXX XXXX and talked to XXXX . She said there is no supervisor or manager for me to talk to and that she would have someone call me back. She also said a new check would be mailed today, XXXX XXXX . I called Ditech to let them know. They said that they will be reporting late payment to the credit bureau. Considering XXXX 's track record I do not expect them to get the check out as promised. I am very concerned about my credit rating.
Company Response: Closed with explanation

Timely Response

2017-04-26

Providence, RI

Struggling to pay mortgage

Mortgage: Other type of mortgage

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

Timely Response

2017-04-26

Magnolia, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have tried feverishly to maintain my current loan. I have tried bankruptcy, loan modifications, and NACA. I a m at my wits end. My original loan amount was {$130000.00}. Due to late fees, missed payments and the company 's unwillingness to lower my interest rate from 8.25 and a monthly mpi of {$800.00} I can not afford to keep my home. My problem s began in XXXX and since then no one I mean no one has been able or willing to give or find an affordable solution.
Company Response: Closed with explanation

Timely Response

2017-04-26

Black Rock, AR

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2017-04-26

Marion, MT

Closing on a mortgage

Mortgage: Other type of mortgage

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

Timely Response