Ditech Financial LLC

2017-04-16

Walnut Creek, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: During recent months I have noted the message on the monthly statements : " Partial payments : any partial payment s that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment the funds will then be applied to your mortgage. '' My account is current. I plan to start making additional mid-payment cycle payments to my account. When I look at this message I understand this to mean that diTech does not intend to observe my right to pre-pay my loan. I do not understand why diTech appears unable to apply mid payment cycle payments to the loan principal. If my understanding is correct, then it appears that diTech has defective accounting systems and may lack the resources to properly apply payments to loans in a timely and correct manner.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-16

Walnut Creek, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I submitted a complaint about loan servicing. The number of that complaint is XXXX. I do not consider XXXX to be a " going concern ''. I asked to be informed about the process for transitioning my loan to another servicer in the event of XXXX bankruptcy. The response was that there would be a response within 60 days. I do not consider this to be a response. I have no reason to believe that XXXX is devoting sufficient and adequate resources to support its business offering.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-16

PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Ditech took over a mortgage some time ago that did not have an escrow account. they placed forced insurance on the account, took part of the p and I payment for the escrow. declared the account delinquent. we have insurance on the account with them named. this has resulted in negative comments on my credit report.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2017-04-15

Allendale, WY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I have been making extra principle payments to ditech to pay off my mortgage early. When I asked for the paperwork telling me the loan was paid in full, they told me I owed an additional {$2700.00} in a deferred interest payment from 2005. I asked why it was not on any paperwork, statements, credit reports, etc, and was told they did n't know but I still owed it. I asked who authorized this and requested any and all documentation considered in this incident including signatures and was told I would receive such in seven to ten working days. I have since contacted them on more then one occasion, requesting the same thing and getting the same canned answer, but no results, no paperwork, nothing but a practiced stalling technique. First off, I think this should have been disclosed on my monthly statement, if it was legitimate. Second, the amount is nonsensical and excessive if legitimate. Third, I think they may just be trying to recoup the lost interest if the loan was paid to reach maturity. I DON '' T KNOW. They have kept this charge secret and continue to do so, while my house is now paid off. Is this a standard practice for all mortgage lenders or is there some illegitimacy here.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-04-15

Andover, MN

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

2017-04-15

Bellaire, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage started since XX/XX/XXXX and I have always paid for all Property taxes and Insurance Directly ( No Escrow Account ). Now, in XX/XX/XXXX, I paid for the majority of the Property Taxes, but after I paid then the Mortgage Company ( Ditech Financial LLC ) paid again creating Tax Over Payments. Now Ditech Financial wants me to pay them escrow for {$10000.00} and I only owe taxes for {$2000.00}. I have requested the County Tax Offices to reimburse the tax overpayments, but it takes almost 60 days for them to reimburse. Ditech was informed of this time requirement, but Ditech has placed my account as past due, have charged late fees as well as reporting credit non-compliance to credit bureaus. I have continued paying my regular payment ever since the mortgage started on time, but Ditech has placed these funds as " Funds in Suspense '' without considering them as payments.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with monetary relief

Disputed: No Timely Response

2017-04-14

South Florida, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I wish to file a complaint against my mortgage servicer Ditech Servicing LLC for the constant mismanagement of my escrow account and continually sending me registered letters threatening to Foreclose on me, regular mailed letters directed me to get help, all falsely alleging I am delinquent in my mortgage payments. I am not. There actions are causing me and my family great emotional distress. I would appreciate your assistance.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: No Timely Response

2017-04-14

N San Juan, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: On XXXX XXXX, 2017 Ditech Financial LLC received ( via certified mail ) a request from me regarding payouts that had been made from my account : # XXXX. It has been 38 days and they have not provided me with the information. They refuse to call me even though they assured me via email that they would.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-14

Montevallo, AL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-04-14

Coalinga, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-04-14

Scottsdale, AZ

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

2017-04-13

Occoquan, VA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: Ditech failed to help me with my loan modification- they called it loss mitigation request. They had me send them all types of information for three months or more, telling me I did not send papers which I know I sent. While going through this, they kept increasing my loan amount. They even stated that I did not pay my escrow account, when I actually had. They over charged me and I had to pay more that month ( By the way, they did the same thing the year prior and I had to wait a month to get my money back. ). On XX/XX/2016 I had to pay {$1400.00}, then XX/XX/XXXX, XX/XX/XXXX I had to pay {$2500.00} and that continued until XX/XX/XXXX where it increased again. While this was occurring my loss mitigation claim was being ignored. On XX/XX/XXXX XXXX XXXX states she would escalate because all documents asked for had been turned in. Nothing happened. I contacted them again and XXXX XXXX told me the same thing. Still nothing. Then when I called I received a recording once I put in my claim number. No one called me back, after I left a message. I then had to refinance with XXXX because I could not afford the $ XXXX+ that my mortgage went up to. When I inquired why it kept increasing, first I was told my residual escrow account was added on. After proving I had paid it in full, I was told it was taxes. Recently, they sent a letter stating I was denied because I did not provide the necessary documentation. This was completely not true. I know of one other person that has gone through this, and she is is a completely different state.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-04-13

Portland, OR

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was discharged in bankruptcy
Complaint: XX/XX/2011 I filed a chapter XXXX bankruptcy which included a past due amount on my mortgage. I continued to pay my current payments and also my trustee who paid on the arrears that was supplied to my attorney. During the bankruptcy the lender tried to increase my monthly payment by almost {$900.00}. I continued to pay the same amount I had been according to my attorney 's advice. The lender filed a post petition stating I was not in compliance with the bankruptcy and tried to get it dismissed. At the end of the bankruptcy the lender claimed I owed {$9400.00} but had no idea where that amount came from. The judge determined I pay a final cure amount of {$960.00} which I did and my bankruptcy was discharged. Shortly after the discharge I received information the lender was claiming I was over {$10000.00} in the arrears I contacted them regarding the discharge and they said the previous company that was managing my account had made an error. They were suppose to send me a letter telling me how they resolved the issue. Now a year after the discharge they are saying I am over {$8000.00} in the arrears even though they show I have made all my payments. The problem is that the current payments are being applied to months that were discharged in my bankruptcy. This is the second time I have had to contact them regarding their misapplication of payments and they just do n't fix the problem. I received a letter of mitigation which is usually the first step before they try to foreclose. Di Tech sends you information of who your account representative is with an extension number but when you call there is no option to enter an extension. In order to reach someone you have to set on hold and then they usually ca n't help you and you get sent somewhere else to hold for another hour or more. They have no customer service
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2017-04-13

FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: For the past two years, I have over paid into my escrow account and have not been sent the overage amount. I have also over paid on a few payments do to late charges, yet the late charges have not been removed after processing the payment. For instance, if I double my payment and add the late charge, I still have {$120.00} unaccounted for. Although my insurance and taxes are the same, and I over paid into the escrow, my escrow payments went up almost {$30.00} a month. I have paid extra on a few payment only to have the monies diverted from the late fees. How can I make the full payment owed only to have the {$170.00} late fee ( Do n't know how they came up with this number ) added to my next statement as well, so when they get the extra monies, it will be added anywhere but to the late fees. I am tired of Ditech doing what they want with my fixed rate mortgage..
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

9 Mile Point, LA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

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

Disputed: No Timely Response

2017-04-12

Glen Allen, VA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2017-04-12

Lakewood Village, TX

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

2017-04-12

Hayward, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-04-12

Making/receiving payments, sending money

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2017-04-12

Palmyra, MI

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

2017-04-12

Asheville, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-04-12

GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Ditech continues to miss manage my account with them. My husband received a call 2 weeks ago stating we owe the company 'Advance Fees ' from XXXX from the previous Servicer ( Greentree ) & when can we settle that payment. I informed my husband that was not the case and why do Ditech continue to call and harass us? there is currently a cease and desist order against them on my account. My argument is this, the year is now XXXX Ditech claim they have outstanding 'Advance Fees ' on my account from XXXX, approximately 5 years in the past. Why all of a sudden Ditech is moving ahead to collect these fees when they were no such fees listed on my account until recently. Did Ditech somehow pull these bogus fees out the air?? I am gravely concerned about Ditech 's unscrupulousness business practices and how Ditech continues to miss apply my payments and make up fees that are unsubstantiated. I have been making on-time payments to Ditech every month these payments are withdrawn from my bank account. However, Ditech continues to harass me with bogus advance fees, this has greatly affected my health as my over all well being. I expected Ditech to be a company who values their customers and not to threaten them with evictions or repossession orders. Especially when their customers are making their payments on time and accurate.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-04-12

Deer Park, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2017-04-11

Bakersfield, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: During our bankruptcy proceedings it was agreed that the escrow account was to be closed in XXXX. During final resolutions the escrow was to remain closed. XXXX On XXXX Ditech started to subvert mortgage payments into an unknown account.. Ditech subverted XXXX mortgage payments to this date into an unknown account. XXXX and XXXX. Ditech failed to notify anyone of the subverted mortgage payments. Ditech has claimed that it made property tax and hazard insurance during the year XXXX/XXXX and XXXX on my behalf. This is not true as I have made every tax and insurance payment. Ditech is requesting to open an escrow account and submitted a false statement to the bankruptcy court in declaring that they have made escrow payments and other unknown payments from an escrow account that was opened on my behalf in secret. Not XXXX monthly statement has reported such payments or expenditures. Ditech is submitting that I be enrolled in a hazard insurance with the cost of XXXX. My current hazard insurance has never lapsed or expired. .My current hazard insurance cost is XXXX. I have not asked nor applied for any hazard insurance from Ditech, especially at the XXXX dollar rate. The practice of subverting hazard insurance is not new as Green Tree attempted to subvert my hazard insurance into XXXX of their own at the cost of XXXX even though my hazard insurance never lapsed or expired. It appears that Ditech is doing this to " qualify '' its practices of subverting my monthly mortgage payments. This was a common practice that the FTC discovered Green Tree was practicing and it appears that they are still practiciing this unlawful activity. I have filed several complaints directly with Ditech about their unlawful escrow activity. They have refused to answer any of my complaints. Ditech is starting to do exactly what Green Tree did that finally forced myself into bankruptcy. Even though Ditech admitted no wrongdoing, no foreclosure fees and attorney fees were assessed against myself during the Bankruptcy proceedings.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2017-04-11

NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I am a Foreclosure Specialist who has a client that has a loan through DiTech and they would like to modify it. I sent a RESPA request to them on XX/XX/2017 and they have refused to send me the documents necessary to try and get them a modification. If there is anything you can do it would be appreciated.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response