Ditech Financial LLC

2017-04-21

CO

Incorrect information on credit report

Credit reporting:

Account status
Complaint: In XXXX I had a short sale. The second mortgage Ditech Financian continues to report the 2nd mortgage that they released liability on to this date and it has continued to negatively affect my credit and ability to get approved with lenders. Even though the 4 year seasoning has been met for a conventional loan with the mortgage still reporting as an outstanding debt it causes lenders to either have to pay for a rapid rescore to remove the information or manually underwrite my loan. I would like it removed once and for all.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-21

AL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My complaint is on Ditech, XXXX XXXX XXXX , countrywide and Greentree. I have been battling this for over 6 years. My husband passed away and my income was cut in half I had to close my buisiness and my only child almost passed 6 months after his Dad. I got behind on my mortgage because of this. I tried to get XXXX XXXX XXXX to refinance my home which they said they would. I have every piece of paper work. Everytime they get all my information they switch me to another account representative and here I go again in circles. My account is so far behind and they are forclosing on me in a month. I need help. I know this was not handled in a proper manner. My XXXX is back and I need a refinance.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-20

Bremen, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: We were customers of Greentree Lending. In XXXX , our account was blocked when a payment was late. We called to try to pay it, and they forced us to fill out paperwork for a special mortgage rehabilitation program in which our mortgage could be brought up to date ( remember, this is ONE late payment ). Meanwhile, we continued to pay our mortgage each month, as they repeatedly " lost '' paperwork or had sent it to the " wrong department. '' The whole time, we were concerned about foreclosure, as even though we continued to pay, we now had one month of payment missing. They repeatedly assured us that they would not foreclose and that our paperwork was required, and it was just a formality. Meanwhile, unbeknownst to us, they proceeded with the foreclosure without notifying us. One day, we found a crumpled up piece of paper on our front porch saying that our house had been sold at auction the day before. We lost our home, and had done nothing wrong.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-20

Indianapolis, IN

Settlement process and costs

Mortgage: VA mortgage

Complaint: I am shocked of the w ay Ditech keeps prolonging my case and scheduling new sale dates. I was denied previously because Ditech stated there were liens in my tittle. However I fax Ditech o n XXXX / XXXX / XXXX prove so they can reevaluate my loan and approve my Deed in Lieu. I fi le bankruptcy on XXXX XXXX , XXXX . Stating all liens were cleared and satisfie d. Ditech is refusing to provided me prove of the liens that are showing on my tittle. I am tired Ditech is just taking advantage of me because I am an elderly man. Please help me I h ave an active sale date for XXXX XXXX , XXXX .
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-20

Statesboro, GA

Application, originator, mortgage broker

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-04-20

Lynnwood, WA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Continuing problems with false reporting with XXXX mortgage company. We 've reported this company in the past and when investigated it was found we had made every single payment EARLY and they had made an error on their end in XXXX XXXX XXXX They updated the account after we proved we made all of our payments ( cashed checks do n't lie ) for the end of the investigation but then turned around less than 3 months later and started charging us a bunch of late fees and are now reporting us as " delinquent '' on our credit reports. We have read hundreds of complaints regarding this company and do NOT understand why they have not been shut down at this point, as it appears they do this to everyone. Our credit is now ruined by them yet again and we are not in a position to refinance our mortgage with our lowered credit scores from their false reporting. We have every single bank statement clearly showing we 've paid early on every single pa yment but they still claim we 're behind on payments. This needs high intervention and a class action lawsuit should be filed for the lives this company ruins.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2017-04-20

Burbank, CA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-20

Galloway, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-04-20

Orion Twp, MI

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I was trying to short sell my home. I called and asked about the process. The employees kept saying the lost paperwork, someone passed away so they had to start over again ( SEVERAL TIMES ). I was told I could NOT do a short sale I had to do a deed in lieu, however, I contacted my attorney and she told me that was n't true. She stated everyone has a right to first try to short sale my house. I went to meet a potential buyer and I was n't even late on my payment and the door knobs were already broken, so I couldl n't even get into the house. There was some property management company sign on my window. I was dealing with a realtor and he got so angry with one of the workers they were cursing at each other and she hung up in his face. Finally I had a buyer for the short sell and they told me well you only h ave 2 weeks before your time runs out to do a short sale so we ca n't do this and told my realtor sorry we would n't be able to close in enough time so, the house went into foreclosure. I can have both realtors contact whomever needs to be spoken to. I also file a complaint on the website when this happened, but heard nothing back from anyone
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-19

Detroit, MI

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Dea r Staff, I am in receipt of threatening letters fr om Ditech Company s tating that I am in XXXX days arrears for payments and that foreclosure preceedings have begun. Loss mitigation/loan modification application was forwarded to me. I have made all payments on time, or before the XXXX of the month via XXXX XXXX XXXX XXXX XXXX Their confirmation transmissions via email indicate amounts I did not submit. The correct amount of my mortgage payment is {$1000.00} Leading up to this point, my payment amount was {$1000.00}. This instrument was put together as a grant from Step Forward Michigan in XXXX . The original loan was a federal mortgage secured through FHA in XXXX . Somehow, in XXXX of XXXX , Ditech ended up with my mortgage aft er XXXX XXXX . In the XXXX of XXXX , Ditech Company paid the municipal property taxes twice, causing a shortage in the escrow account. They subsequently issued new escrow st atements. The matter of my escrow account was resolved, and all late fees were waived back in XXXX ( e.g. XXXX XXXX ) o f this year. First I was told there was a shortage in the escrow, then a check for {$480.00} was mailed to m e. XXXX conversations with customer service revealed the company is splitting the payments and not posting them nor crediting them to my account as submitted. Now I have an invoice in hand for over {$2000.00} along with foreclosure papers ; the company is claiming an XXXX payment was not made, even though the payment was submitted in full on XXXX XXXX . No partial payments have ever been submitted on this account. My desire is that all fees will be waived, that the correct payment amount of {$1000.00} be confirmed in writing, and that my account be fully restored at their expense. Ditech should lose its privilege to do business in Michigan. Thank you for your service.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with monetary relief

Disputed: No Timely Response

2017-04-19

Waupun, WI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I currently have a mortgage with Ditech. Ditech is directed to escrow funds for Taxes and insurance that come out of my monthly installment. My ending balance in escrow at the end of XXXX was {$420.00} after paying my taxes of {$2100.00}. However Ditech said they received a second invoice from the municipality for taxes and paid them again in the amount of {$2200.00}. In this case my escrow was in a negative balance and Ditech to o the liberty of charging me on my escrow account showing I had a negative balance. The taxes have been paid in full with Ditech se cond payment a nd Ditech was issued a payment back from their tax department on XXXX XXXX XXXX in the amount of the first check of {$2100.00}. However my escrow account has NOT been credited. I have been paying interest on money they stole from me. I have been trying to get a payoff since XXXX XXXX XXXX and no one is helping me. I fee l Ditech is us ing my money. Fraudulently added {$2200.00} onto my account without my permission and I have been being charged o interest while they are using my money. I have also been paying interest on my balance of the loan because I can NOT get an accurate payoff statement. Please help me resolve this fraud! How many times do most people ever review their escrow account and get taken ... I can assure you if the tables were turned I would get penalties, interest and a bad credit rating.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2017-04-19

CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-04-19

Simi Valley, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We feel that we are being treated unfair and that there are deceptive practices happening with the 1st and 2nd lien holders of our mortgage. Both the 1st and 2nd lien holders know that we have a so lid sales contract to sell our property but due to the fact of being behind of on our mortgage they are threatening and forcing us to pay unnecessary attorneys fees by sending our loans to foreclosure. Despite following all of their rules and requests they are still stating that the sales contract that is currently in escrow is of little meaning and that we will need to pay these attorney fees. Shame on you XXXX XXXX and Ditch for ta king the little guy out even though they have worked their hardest to pay their obligation in full back to you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-18

Jonesboro, GA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

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

Disputed: No Timely Response

2017-04-18

Babylon, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-04-18

Live Oak, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-04-18

Superstition Mtn, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We have made payments on time since the origination of our loan. However, every month we receive a late notice and they continue to pile up since XXXX / XXXX / XXXX . We have documented proof of on time payments from our account to Ditech. When we contact Ditech to remediate, they give us a different reason for the issue every time and never fix it. Currently, we " have '' 5 late payments, and they have marked are credit reports and are attempting to " foreclose ''. We contacted them early on XXXX / XXXX / XXXX regarding these errors and they said our account number was causing issues in receiving payment, it is now XXXX / XXXX / XXXX and they have not updated our account and have since issued to our credit report that we are in foreclosure. This is fraudulent and illegal, and we have contacted them every month regarding these issues, and still no resolve.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Carrollton, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Ramona, CA

Communication tactics

Debt collection: Mortgage

Called after sent written cease of comm
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-17

Manchester, NH

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Ditech financial formerly Green Tree, denied our modification request as we are in a. hardship. They dragged their feet with the process for almost 3 months claiming that they did n't receive XXXX or XXXX paper that they we re sent. We kept record. SO in turn they denied us and now we are REALLY screwed our scores went down so low we ca n't even qualify for anything, what do we do
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-04-17

Kingstree, SC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-04-17

Lake Ridge, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Ditech Mortgage Company is making it impossible for me to set up automatic monthly bank withdrawals to pay my mortgage. They have mistakenly input wrong bank account numbers on this account and blamed me for it and now claim that it is impossible to put the account on auto pay for 12 months even though I have another mortgage with them on the same bank account in good standing. As I travel internationally extensively, this is making it certain that I will miss payments and thus be charged late fees and receive negative credit reports. I believe they are intentionally doing so in order to collect late fees and their customer service department is unwilling to assist.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

MT

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: I have been through the HAMP process and have signed and followed up on several Dodd-Frank documents suggesting that my prompt payment incentive is on its way. It has been 10 months since the completion of the 6-year program. However, when I reach out to my mortgage company about facilitating the incentive my request is dismissed until my mortgage lender receives payment from the government. There is no advice on how to resolve this. I have held up my end of the agreement, but it appears that there is not a way to access my incentive.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2017-04-17

Somers Point, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2017-04-17

Tarzana, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response