Ditech Financial LLC

2017-02-01

Port Arthur, TX

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

2017-02-01

Harsens Is, MI

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I was formerly dealing with Green Tree Mortgage when I was informed in XXXX that my new mortgage company would be Ditech. I made my payments to Ditech and they were {$290.00} per month. I am a senior citizen and I am receiving social security as my main support. I asked that the company change the due date on the mortgage because of my pay date. I was told that that would be illegal. XXXX said it was not illegal. But, I continued to make my payments in the month that they were due, even though the payment was often made past the XXXX of the month. This year the city of XXXX XXXX XXXX sent my water bill to Ditech for payment. I have been living in this house since XXXX and paying mortgage payments since that time, but my water bill was never ever sent to a mortgage company before. I received a statement from Ditech that my house payments would be raised to more than {$450.00} per month. Later, I was told my payments would be {$380.00}. Wanting to know why, I called Ditech. I was told my taxes were raised and that the additional monies were needed to pay into my escrow account. I was toldthat {$600.00} in taxes was needed to pay for this year 's bill and additional monies wereneeded to store up for the next year of taxes that would be due. I went to the city of XXXX XXXX XXXX and the clerk said that they had sent the water bill to the mortgage company and I got a statement to indicate that the raise was due to a one time water bill and not due to an increase in taxes. I sent a copy of the statement to Ditech, but the company representative said that it was not received by them. I sent a check for {$300.00} which was my regular mortgage payment plus an additional {$10.00} to go towards my escrow. No amount of telephone calls to the company rendered relief. On XXXX XXXX, XXXX, a woman from Ditech called me and said she wanted to collect my mortgage payment. I asked how much she needed and then I asked if {$450.00} would satisfy Ditech. She said, " Oh! Yes! That would be fine. '' I gave her all the information for an electronic withdrawal from my bank. She gave me a confirmation number. Two days later I received mail that I had to sign papers to avoid foreclosure. Then, I got a handout from Ditech. It was put on my door. It was not mailed, but it was put on the door while I was in the house. It seemed like a message to me that Ditech has a presence to my house and I was afraid which is what I am certain is what the company wanted. I phoned Ditech. The representative told me that they never got my {$450.00} in XXXX. They told me on another occasion that there was no money in my bank account and my check had bounced. I said there was money in the account and that there was more than enough to cover the electronic payment. After a minimum of 15 calls to Ditech I only recently got an oral statement from a representative admitting that they did get the payment, but that they could not take it because they had already started loan modifications. All this happened, inspite of the fact that I did not owe more than one months payment and I had been given a confirmation number. Previously, I went in person to my band and was told that Ditech had never presented the electronic check for payment. After the XXXX XXXX attempt to pay, I was told by a ditech representative that I should not make payments for XXXX or XXXX, because of a restructuring of my loan. I was told that XXXX and XXXX would be put at the end of my loan and that I should only make payments of only {$250.00}. I said I did not understand. I was told that the lower payment was a test. The test was to see if I could meet the terms of the contract. The representative said the probation period would last three months. It has been six months, I never received the papers they were talking about. The mortgage stateme
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-02-01

Coalinga, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: In XXXX 2016, we received our monthly bill from Ditech. When I opened the bill, our payment was {$1500.00} more than we had been normally paying. I contacted Ditech and we were told that we had finished our interest only term and now our payment went up to pay the principal owed on the loan. We could not afford that payment and asked if we could refinance the loan. We were told by Ditech that we could apply for a modification. We gathered all the information that they requested and returned the documents to them requesting a modification. We were denied the modification on the premise that we could afford the payment based on the information we provided. In the meantime, I contacted other lending companies to see what we could do to refinance our first to include the Ditech second. Since property values and dropped dramatically and they had not fully recovered, we owed more than our property was worth so refinancing was not an option. I called Ditech again trying to get answers on how they determined that we could afford a {$1500.00} payment increase. I finally got to talk to someone who was somewhat helpful and I was told that since the loan was only in my name, I did n't need to include my wife 's income on the modification request and I could resubmit the modification request. I was also told that they would n't even consider a modification unless our payment was past due. This was very hard for us to allow the payment to become delinquent. Our credit is/was impeccable. We had never been late on a payment. During the process of letting the account go delinquent and resubmitting our application for modification. We were bombarded with phone calls from Ditech wanting us to pay our bill. It was embarrassing and frustrating because this was not a position that we would voluntarily put ourselves in, but we had no choice. At the end of XXXX 2016, we were approved for a modification. It was n't what we had hoped for and it was still going to be a struggle to make those payments, but we accepted the offer with our first payment being due on XXXX/XXXX/16. We began making the new payments and have continued to make those payments each and every month since, but I am still receiving letters and phone calls from Ditech offering modification and requesting payment since our account is past due. I have called Ditech numerous times to find out why our account is delinquent and the response I get is that they have received our payments, but they have a " glitch '' in their system that is not recording our payments correctly. I told them that explanation was unacceptable and asked them how they would respond if I told them my payment was late because I had a " glitch '' in my system? They told me that they are working on the issue, but as of today ( almost 8 months later ) my account is still showing past due on the bills I receive and on my credit report. I think I have been more than patient with them and have allowed them ample time to correct this " glitch ''. I am now in a position where I can refinance my home to get a better payment, but now my credit score is tainted by the false information Ditech is providing to the credit bureaus. Ditech is reporting an incorrect monthly payment amount to the bureaus and that we have not made payments in the last 7 months.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-01

Council, NC

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: DiTech Financial is claiming that we 've missed XXXX payments and are proceeding with foreclosure as of XXXX ... .we have NEVER missed a payment. We have talked to them, went through all our payment history, continue to make payments, we are a nervous wreck and do n't know what to do ... we have all the documentation and proof of payment ...
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2017-02-01

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: No Timely Response

2017-02-01

Atlanta, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: DITECH, AND XXXX ARE ATTEMPTING TO SALE MY HOUSE ON XX/XX/XXXX ON THE COURTHOUSE STEPS. THE ASSIGNMENT THAT IS BEING USED IS ROBO SIGNED, THE ASSIGNMENT WAS CREATED AFTER THE CUT OFF DATE OF THE TRUST. THE ASSIGNMENT IS FRAUDULENT
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-31

Houston, TX

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

2017-01-31

Andalusia, PA

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

2017-01-31

Vista, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-01-31

Quincy, FL

Communication tactics

Debt collection: Mortgage

Threatened to take legal action
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-01-31

Knightsville, 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

2017-01-31

Centerville, 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

2017-01-31

Superstition Mtn, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We are disputing a complaint against Ditech Financial Services regarding two payments that were made XX/XX/XXXX and XX/XX/2016 which they are reporting as 60 days late but they were made within 50 days of the due date. I have documentation to support when these payments were posted and all we are trying to do is to get them to update their records to reflect a 30 day late vs. 60 days so that we can close on a loan transaction. I sent this information to Ditech over two weeks ago requesting that they update their records and email me with a response so that I can provide it to our lender. We called yesterday and they had not even reviewed the request that was faxed. When we ask to speak to a Supervisor we are told that no one is available to speak with us.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-31

Houston, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I have been mailing my mortgage payment to Ditech for three months and each time the payment is mailed back to me with no explanation. Upon calling Ditech, I am being told I did not include the late fee and per FHA if all fees not included the payment can not be processed and must be returned to the homeowner. I then include the indicated late fee with the original mailed payment and mail back to Ditech only for the payment to be mailed back to me with a new late payment fee that was n't mentioned before. This has occurred three times resulting in my mortgage now being late for several months. I feel Ditech is purposely causing my mortgage to fall behind in an effort to foreclose on my home. My loan was recently sold to Ditech from Greentree Mortgage and since being with them I have had nothing but problems. My loan was modified with Greentree about two years ago. I can not believe I am having this much trouble mailing in my money for my mortgage payment. I have never heard of this so-called FHA new rule Ditech is speaking of and nor have I ever had my payments returned for late fees. The XXXX payment in the amount {$600.00} was returned to me XXXX/XXXX/17 and per the representative, XXXX, Ditech wanted two months payments and that was the reason for the return. In XXXX I mailed {$1200.00}, which was returned to me. I phoned Ditech and spoke with XXXX, she indicated the late fee was not included and that was the reason the payment was returned. I included the late fee and mailed back to Ditech in XXXX. In XXXX, the payment was returned again to me. I contacted Ditech, spoke with XXXX XXXX on XXXX XXXX, 2017, she indicated the payment was returned because I mailed {$1200.00} and the payment is now {$1300.00} I am not sure what or where the fees are coming from. With the returned check there is no correspondence explaining the reason the check is returned. I have to call and find out each time what is going on with my mortgage. This is ridiculous. Ditech is holding the payment for a month and then returning the payment for non-payment, when in fact I am mailing the payment and they are sending it back to me. I do not want to lose my house because of a corrupt mortgage company or system.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-01-31

Pacific City, OR

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In XXXX of 2016 DiTech financial informed us they did not have proof of our last property tax installment. We faxed the receipt to them and heard nothing more. In XXXX, we attempted to pay our first installment of property taxes and were refused. We were told that DiTech paid them. We called DiTech and asked why they paid the taxes and they said that they started a escrow acct. We were not informed nor did we request a escrow acct. We asked DiTech why this happened and we were forwarded to the Property Tax division where we eventually were passed to a supervisor in the XXXX office name XXXX. XXXX investigated and admitted that DiTech made a mistake and that we should not have had the escrow acct. That it was XXXX and right after the holidays within a week he would contact us and let us know that the issue was resolved, that the taxes were now back in our responsibility. The contact never came, my wife and I personally called XXXX and left numerous messages but no returns ever came. A letter came XXXX XXXX stating that our account had changed and it was now under escrow, no viable information as to why was offered. We made our normal mortgage payment ( without the addtional escrow fee ) in XXXX, DiTech accepted it without issue. Since we determined that the only way we were going to get out of the escrow account was to search for a refinance option. We found an option with better terms and shorter duration and no escrow. We accepted the offer and closed on XXXX XXXX. We attempted to pay our XXXX payment to DiTech and they refused the payment unless we paid an additional XXXX for the escrow. We stated we were not paying the escrow that we never agreed to the escrow and we had found other financing because they forced us to. DiTech responded with the threat that we either pay the full amount they stated or they would turn us over to the credit agencies. On XXXX we received a letter from DiTech stating we are now late and have added $ XXXX to our account as late penalty. This threat, even if it does not come true, is completely a bully tactic and left us with no choice but to look for your help. We will also be filing with the Oregon State Attorney General 's office so that DiTech can be told that they do not have the right to bully and do as they wish with my home or credit.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-01-31

NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I received a certified letter informing me about Intent to foreclose. My tenant also received certified letter. Why would Ditech send my tenant this letter when they know where I live? Ditech states I missed a payment in XXXX 2016. They send XXXX sets of statements to me every month with conflicting information. My bank statement showed I 've paid. Ditech 's payment history shows I 've paid. Ditech 's payment page indicates I have not ... Although I have contacted them through their message system, twice, they have yet to get back to me. One would think this is important. Judging by the complaints on this and many other sites, this is a XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-01-30

Westfield Ctr, OH

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: No Timely Response

2017-01-30

Philadelphia, PA

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

2017-01-30

Grand View, ID

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I filed a previous complaint about our mortgage company, Ditech. We thought it had come to a conclusion and was thought to be completely resolved until I just pulled my credit report and Ditech has reported us 'late ' and affected our credit, which they said they would NOT DO. Here is the original complaint : Our mortgage was sold by XXXX to Ditech around XX/XX/2015. XXXX had paid or annual taxes from our escrow account prior to it being sold. Ditech then also paid our taxes for the year resulting in a double payment. We received a refund check from our taxes being overpaid by the county and were confused. When we called XXXX to inquire, they informed us that our mortgage had been sold. We had no idea. There was absolutely no communication on XXXX or Ditech 's behalf of this move. We then called ditech to see let what was going on. They said to send them back the check, which we did. They then proceeded to charge us twice the amount for our escrow the following month. Our mortgage payment was on auto-deducted out of our account. In effect, our mortgage payment was almost {$600.00} more than usual. We, of course, were expecting our regular mortgage payment to be deducted from our account and were not prepared for an extra {$600.00} coming out which resulted in overdrafts and fees. We immediately called ditech to fix the situation. They said it would be fixed in 8 days. 5 months later it has still not been resolved or fixed. They keep billing us {$600.00} over our regular mortgage payment and refuse to fix the situation. We have called repeatedly, had to explain things to each new person over and over. No one will actually help us. They keep telling us it should be resolved in 8 days but when we call to follow up it is never fixed. Throughout this process we have been paying our regular mortgage payment because we have no idea what else to do. They are now treating us as if it is our mistake and sending us 'loss mitigation ' letters, putting notices of non-payment on our door and acting as if we are delinquent on our mortgage payments. We do n't think they have officially reported us to the credit bureau but we are concerned that they will. We have pursued a lawyer 's help but would rather not go through the hassle and expense. We are at our wit 's end. We have tried to refinance with another bank but since our mortgage is less than 2 years old we have little equity. We have also requested to handle our own escrow account.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2017-01-30

Arlington, MD

Settlement process and costs

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2017-01-30

Chicago, IL

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Complaint: In regards of Ditech LLC Mortgage servicer Above agency have claimed its jurisdiction over default mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2016 assigned from XXXX In its process Ditech has demand immediately payment of full dept and keep reporting purported dept to all Credit Bureaus regardless to my dispute and dept validation request. In its respond dept validation request Ditech serve me its " validation package documents '' full of multi copy of same documents with not my authorize signature and foremost no security instrument include therein. In this period of time XX/XX/2016 thru-XX/XX/2016 Ditech has also presented them self as rightful assignees of XXXX contrary to its own deed/assignment produced over 3 months later XX/XX/2016. After that time-line Ditech start over its deceptive practice with exact respond and non professional/ignorant conduct dishonor and disregard all my notice of error and request of correction and/or address the issue. During the whole time Ditech also keep change its account agent individuals with valid phone number however none existing and/or unreachable extension number. On XX/XX/XXXX Ditech has produce HAMP/Modification Trial Plan on its own with no my consent and/or request and/or application submitted therein, which is fraud by inducement.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-01-29

Itasca, IL

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

2017-01-29

Lutz, FL

Settlement process and costs

Mortgage: Conventional fixed mortgage

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

Disputed: Yes Timely Response

2017-01-28

Melbourne, FL

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

2017-01-28

Malden, MA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: No Timely Response