Ditech Financial LLC

2017-02-16

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-16

Port Murray, NJ

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

2017-02-16

Jonesboro, GA

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

2017-02-16

Plymouth, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I had first contacted Ditech back in XXXX about fees that were on my mortgage statement a customer service rep said he would send papers explaining it was a new computer program and the papers he was mail out would explain. Got the paper work showing more fees than I saw prior. Called Ditech again then I was told it was corprate advances they were charging. I had explained to them that the loan mod they gave me was higher than my original mortgage that they rolled any and all fees into my loan mod. So then XXXX I try calling again to resolve this issue because seeing how some fees said late some said insurance I had asked to speak with a supervisor and was told I 'd get a call with in three days.Its now XXXX no call. So I give it a week and call again. Needless to say in over 90 days and 30+ calls I have got no where. I have tried to explain they need to read over my loan mod and they will see anything I owe them, back taxes, insurance and fees are In my mortgage payment.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2017-02-16

Ellenton, FL

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

2017-02-16

El Cerrito, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-16

Cottleville, MO

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

2017-02-16

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-15

Atlanta Naval Air Station, GA

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

2017-02-15

Atl, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: Yes Timely Response

2017-02-15

Douglasville, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2017-02-15

Spencer, MA

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-15

Norwood, MA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: No Timely Response

2017-02-15

Torrington, CT

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2017-02-15

Carson, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2017-02-15

Scottsdale, AZ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: My husband was laid off in XXXX, creating a financial hardship. I contacted Ditech when we realized it was going to take a while for him to get his old job back. Upon doing this Ditech told us that we could apply for loss mitigation. They assured us that we did not have to worry about making our house payment during loss mitigation because nothing would happen during this process they could not do anything about it, there would be no foreclosure taking place. They also told us that if the loss mitigation application was denied they would work with us on making repayment to Ditech. One representative quoted {$1500.00} a month and ask us if that was doable. Other representatives gave us conflict thing information on a regular basis. But overall we were told we did not need to worry about our mortgage payment repeatedly. Now Ditech is telling us that we have to pay them almost {$3000.00} in order to catch up our payments. They will not except just one month to start. Although they did except it once before but now they 're telling me they wo n't. So instead of being able to work with them to set up a repayment program as they repeatedly told us they would do, they are requiring all late fees and two months worth of payments in the next 13 days or foreclosure proceedings will start. They have lied XXXX 's repeatedly during this process, one representative after another with different information. Some agents told us that we would have the payments tacked onto the end of our loan, some representatives told us our interest-rate would be lowered, some representatives told us that our loan would be put out to a 40 year loan. Again repeatedly assuring us that we did not have to worry about making a mortgage payment that they would work with us if our loss mitigation package was denied to set up a repayment program. None of this turned out to be true.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-02-15

Lexington, NC

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: On XXXX XXXX, XXXX I contacted XXXX XXXX, which served as the provider for the Accidental Death and Dismemberment Insurance carrier paid through my Ditech Financial, LLC mortgage regarding the cancellation of my policy. The representative at XXXX XXXX cancelled my policy, making the effective date of cancellation XXXX XXXX, XXXX. However, I have continued to be charged by Ditech Financial, LLC each month the {$24.00} premium for this policy, despite the policy being cancelled. I contacted Ditech in XXXX and XXXX of XXXX and I was told both times that the policy had been cancelled and I will no longer be charged, however as of my most recent statement I am still being billed the XXXX and have not received any credit or refund for my excess payments. I also have attempted to obtain a loan modification through Ditech. On XXXX XXXX, XXXX I completed a loan modification request form and attempted to submit it electronically through the link provided on my customer account portal online. I received an error that the link was not available. I received the same error message daily for the next week. I contacted Ditech directly on XXXX XXXX, XXXX and I was advised to submit the modification request through a link that was provided via email. I submitted the request and was advised that I would be contacted within XXXX - 10 business days regarding my request. I have not received any follow-up regarding my request to this date. When I contacted Ditech on XXXX XXXX, XXXX I was advised to allow another XXXX - 10 business days as they were working on a backlog. I still have not received a response to this date.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2017-02-15

MI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My husband and I have been seeking a mortgage rate modification with our mortgage company since XX/XX/XXXX, after they sent us a letter saying we could. The company has been dragging it 's feet since then. Sending us applications, then letters saying they received the complete packet, then letters saying that packet is incomplete, letter after letter! Finally after these years of receiving letters of offers, declines, letters time after time notifying us of incomplete applications, and during all this time always giving us yet another new representative. Letter dated XX/XX/XXXX stating 'our account may be eligible for the following loss mitigation options, subject to servicer or investor approval : Refinance your account with another lender, Modify your account terms with Green Tree , Receive a payment forbearance temporarily, which gives you more time to pay your monthly mortgage payments, etc. Letter dated XX/XX/XXXX states that we " may be eligible for the Home Affordable Modification Program ( HAMP ), part of the initiative announced by President Obama to help homeowners. '' Mailed a complete application XX/XX/XXXX. XX/XX/XXXX submitted yet another application. XXXX XXXX, XXXX Sent handwritten letter to XXXX and loss mitigation dept showing expenses and reasons for hardship along with another application. Received letter dated XX/XX/XXXX stating Green Tree is " unable to offer you a Home Affordable Modification because your loan did not meet one or more of the basic eligibility criteria of HAMP. Reason box checked was " We service your loan on behalf of an investor or group of investors that has not given us the contractual authority to modify your loan under HAMP. '' XX/XX/XXXX received a letter stating that our application for loss mitigation assistance " is incomplete because we have not received all of the documentation to complete the evaluation. '' I HAD sent a complete application! They stated what was missing. I resent the stated information. Letter dated XX/XX/XXXX stated that a submitted loss application was yet incomplete. XX/XX/XXXX received a letter of yet another account representative. A few days later, received an undated letter stating that to better service us " GREEN TREE SERVICING LLC AND DITECH MORTGAGE CORP will combine to form Ditech Financial LLC, known as Ditech, a XXXX XXXX, effective XX/XX/XXXX. Continued to work with our mortgage company to get this resolved. XX/XX/XXXX letter received stating that application was incomplete. received XXXX applications dated XX/XX/XXXX with letter stating we may qualify for assistance. Then XX/XX/XXXX received letter stating that we did not qualify because " the investor, investors did not give contractual authority to modify under HAMP ''. XX/XX/XXXX received a letter stating that yet another application was incomplete, I have copies showing a complete packet. XX/XX/XXXX letter states that they received a complete app. XX/XX/XXXX letter states that by way of income we do not qualify, income was stated incorrectly, filed an appeal letter dated XX/XX/XXXX they received our appeal and we would hear by XX/XX/XXXX. Letter dated XX/XX/XXXX stated that our app was incomplete. Emailed the requested information. XX/XX/XXXX received letter of denial due to income being sufficient. They had figured our income plus our food assistance of {$XXXX} ( which was grossed up by 125 % per investor guideline to {$XXXX} ). Letter dated XX/XX/XXXX states that we may be eligible for the following loss mitigation options : Modify, sell our home or refinance our loan. Letter dated XX/XX/XXXX states another new representative. Received letter dated XX/XX/XXXX stating received app for loss mitigation but app was incomplete, with no letter stating what was needed. This nightmare is still continuing!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-15

Jupiter, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I noticed an issue with my billing with I logged onto my mortgage account online. I tried calling the customer service number I usually contact but when I tried to get a representative I was transfered to person 's voicemail. I thought there was a problem with a the system and tried calling back later and had the same issue. I left a voicemail just in case and continued to call for a few days. I then contacted the new mortgages department and asked for some assistance. They encountered the same thing and the person said they would send an email to customer service and see what he could do and get back with me. I got a call back later and was instructed of a way to get through by hitting zero and pound several times. I was able to get through and was told it was because of my account that this occured. I tried explaining that did not make sense and was then disconnected.I send an email through their online system and it instructed me to call my account advisor. She never calls back no matter how many messages you leave. I sent another email and did not receive a respond yet. I ca n't make a payment online, on the phone and ca n't get a call back. It is very scamy and they keep charging me late fees.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-02-14

Tarzana, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XX/XX/XXXX Ditech Financial LLC opened a escrow account for our mortgage without our authorization and paid our Homeowners Insurance without our authorization. XXXX XXXX, our Homeowners Insurance, sent Ditech a proof of insurance form and Ditech paid for it without our authorization. Since XX/XX/XXXX I 've been on the phone for hours with Ditech to get this resolved, to be sure XXXX received our payment from Ditech on time before we got additional charges from XXXX for late payments, we had to pay Ditech back for the homeowners insurance payment to close the unauthorized escrow account, and I sent Ditech a letter to close the escrow account. Later, I started to get charged {$81.00} to my mortgage bill for this escrow account, which I previously closed, both for my XX/XX/XXXX and XX/XX/XXXX mortgage bills. I 'm currently working to get this charge removed again for my XXXX mortgage bill payment. I was advised by the representative that there is no guarantee this wo n't happen again XX/XX/XXXX when my homeowners insurance is due again. I was advised that if Ditech receives a bill or a delinquent statement from XXXX, or any company, in the future they will reopen an escrow account without my authorization and make this payment before I even have a chance to pay it directly to XXXX or any company. I was previously advised by XXXX XX/XX/XXXX that my agent NEVER sent Ditech a bill or a delinquent statement. Farmers simply sent a proof of insurance form to prove we have homeowners insurance, which is legally required. Ditech has refused to look at the actual documents XXXX sent them to prove what XXXX actually sent them, while XXXX has checked their system and sees that they simply sent a proof of insurance. The Ditech representatives simply look at the title Ditech representatives post on their own computer system but they refused to open the actual document to read the actual forms sent to them.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2017-02-14

TX

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Forced Escrow was placed on my account, on XX/XX/XXXX due to delinquent property taxes not affiliated with my Property Parcel ID. I am requested to terminate all Escrow accounts since my yearly taxes of only XXXX, are paid out of pocket and on time for my XXXX XXXX property and the only property associated with the loan. Advanced funds were distributed to County Tax Office without authorization and taxes for other property owners were disbursed to pay all XXXX properties, which of XXXX are not listed on loan since the properties were divided in XX/XX/XXXX. I have repeatedly faxed all county documentation Ditech requested, emailed, called and spoken to different depts., notices mail to be stating the issue is being investigated within 30 days and nothing done, now my escrow account is over {$6000.00}, causing my monthly mortgage payment to be outrages and I demanded they correct this asap nothing to pay for XXXX other properties that do not belong to me.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2017-02-14

Ocklawaha, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My servicer did not generate a XXXX for my loan for 2016. I called for 3 weeks requesting that it be escalated and that I would write in to CFPB but they still have not done it. I have been lied to and bounced around and to add insult to injury - I called yesterday and the rep told me that I HAD TO STAY ON THE PHONE TO GET IT DONE. IF I HUNG UP THAT IT WOULD NOT BE COMPLETED AS HE WILL GO TO THE NEXT CALL. I explained that I stepped out of the office to get the status and could not hold on. I asked that the file be updated to have someone call me as the request was escalated per my request 3 weeks ago. I still have not heard from Ditech and I am unable to do my taxes without it.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2017-02-14

Cheverly, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I applied for a deed in lieu of foreclosure with Ditech in XXXX XXXX, it was finally approved in XXXX XXXX, I had to resubmit all paper work because they told me that the application that was submitted in XXXX was out of date. I complied with their request. They approved the Deed in lieu in XXXX XXXX, after outright lying to me, telling me I had a lien on the property, when there was no lien. I went to the XXXX court and checked the land records for XXXX county, there was no lien on the property. However, the kept telling me that the lien was holding up the deed in lieu. Finally, in XXXX XXXX, I was sent paper work to sign agreeing the the deed in lieu. I have complied with every requirement contained in that letter ( see attached ), so it was no reason for Ditech not to fully executed the deed in lieu as promised I completed all the paperwork and sent back to Ditech by certified mail. I have heard nothing from them since submission of my paperwork. I can not contact them, they will not return my calls, nor respond to my request for a status on the deed in lieu. Then in XXXX XXXX, I received a Notice of Intent to Foreclosure and no one can tell me what happened to my approved application for a deed in lieu.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-13

Washington Green, CT

Settlement process and costs

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-13

Norwich, CT

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