Ditech Financial LLC

2017-01-28

P C Beach, FL

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

2017-01-28

Indianapolis, IN

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: In XXXX of XXXX, I became aware that my local accessor 's office was assessing my property tax rate at double what I should be charged. On XXXX XXXX, XXXX I was given an escrow letter, reflecting that my tax liability for XXXX was XXXX, rather than XXXX that I had previously been billed. I was refunded the overpayment that had been made to the county. On XXXX XXXX, XXXX, I called Ditech ( account XXXX ) and asked how to update my escrow information. I sent my letter via fax. It has been confirmed several times that Ditech received that letter in XXXX. My escrow and payment amount was not updated. I requested an escrow analysis in early XXXX. I received a check for overages in my escrow account of nearly {$1200.00} dollars, but neither my tax amount or payment amount had been adjusted to reflect the changes in my tax amount. XXXX XXXX, XXXX I spoke to Ditech 's tax department and spoke to XXXX. He said that the taxes likely had not been updated because the escrow letter had not reflect the bi-annual amounts the mortgage company pays. They would contact my assessors office and then update. This process would take 21 days. On XXXX XXXX, XXXX, I called back. I was told that a note was made on my account on XXXX XXXX, XXXX that someone had contacted my assessors office, had been told my XXXX taxes had not been issued yet. The task was closed out. This did not address my issue. I was told that my account would be manually updated, and again it would take 21 days. On XXXX XXXX, XXXX and spoke to XXXX. She indicated that she could see all of this in the notes, but was not sure why no action had been taken. She sent a note to a supervisor and the escalations department. She said to call back Monday or Tuesday for an update. I called back on XXXX XXXX, XXXX. I spoke to XXXX, who told me that he could not do anything because escalations take 3-5 days. I asked to speak to a supervisor. I was sent to XXXX XXXX. He told me my taxes had been updated in one system, but that he would have to have it updated in a second system to correct my escrow and my payment amount. We discussed that the amount of my taxes was updated to {$700.00} bi-annually, rather than the {$730.00} that should have been update based on the letter sent from the assessors office. He assured me this would be fixed and that I would have my new payment amount prior to XXXX XXXX, XXXX. On Thursday, XXXX XXXX, XXXX, I called for an update, and spoke to XXXX. Nothing had been done on my account. After an extended amount time on hold, I was sent to XXXX XXXX 's voicemail without comment. I left a message with my information and phone number and request a return call. I never heard from XXXX XXXX. On XXXX XXXX, XXXX, I talked XXXX. I was told that the tax amount still reflected the incorrect {$700.00} amount, but that she would send me to customer service to update my account anyway. The customer service agent told me my account would be updated in 5-8 business days. I was told as a matter or certainty that I would be able to pay my new amount before XXXX XXXX, XXXX. On XXXX XXXX, XXXX I called for a status update. I was told by XXXX that my escrow had been updated on XXXX XXXX, XXXX. That I had been sent a check for {$700.00}, and that my new payment amount was update to {$870.00}, but would not be effective until XXXX XXXX, XXXX. I explained that I had been assured several times that I would be able to pay the new amount in XXXX. She promised to get it updated and follow up. She called back about 20 minutes later to tell me that a new escrow analysis would have to be performed to update my payment, that this would create a shortfall, and that my payment would go back up. I said no. I made my payment of {$990.00}, so that I would not be penalized.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Disputed: Yes Timely Response

2017-01-27

Wetumpka, AL

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-01-27

Okc, OK

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: Yes Timely Response

2017-01-27

La Jolla, CA

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

2017-01-27

Ruther Glen, VA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: No Timely Response

2017-01-27

Apple River, IL

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

2017-01-27

Centerville, FL

Cont'd attempts collect debt not owed

Debt collection: Mortgage

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

Disputed: No Timely Response

2017-01-27

KS

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: what happened is Ditech, green tree and XXXX has totally screwed up my mortgage since I was in bankruptcy I paid my regular payment in my bankruptcy plus added funds that I was behind and escrow account balances for a XXXX long year period now ditech who you never get to speak to the same person ever keeps telling me that my escrow is always behind and at a {$0.00} amount but I have continued making payments since being out of bankruptcy and even when federally discharged by the federal bankruptcy courts I was paying a higher monthly mortgage payment because that was what the trustee courts of XXXX was paying out then I was informed that {$1.00} was being applied to my escrow because that was an overpayment but yet I was never contacted these companies have to many outlets to throw the consumer off especialy when being XXXX and trying to make ends meet. I guess I am going to have to find an attorney who will work on contingency because I believe ditech, XXXX and bank of XXXX are committing fraud especially on my mortgage none of the numbers add up you never get the same answers from anyone from any of these companies. I believe that ditech needs to acquire a loan for me with an interest rate around what the rates are listed today. Not something they make up and then change their minds, also they keep sending docs with credit reports listing someone else 's credit card I have no credit cards I just got out of bankruptcy last XX/XX/2016 and then discharged XX/XX/2016. I was trying to get cash back but then was informed not available only harp loan available but yet they are slamming me with a XXXX % interest I am currently at XXXX % how is that going to help the bottom line. Because what I read the harp fannie mae they have to give you the going rate of interest which today I believe is XXXX % but yet I am being gaslighted once again this is crazy. So since all of this mess up they need to give me the refinance loan with an interest rate around 3.87 % that is my desired resolution
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: Yes Timely Response

2017-01-27

Staten Island, NY

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

2017-01-27

Oxford, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Hello, my name is XXXX XXXX Current address : XXXX XXXX XXXX XXXX, XXXX XXXX Address of property in Question : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been dealing with Di Tech ( Mortgage Servicer ) Loan number XXXX I was in the process of a " Deed in Lieu " on this XXXX Property Just recently .. I was in process of having the Deed in lieu approved ( As it was expressed to me ) .. the Title was Clear, the Home was Re-Keyed ( By drilling out the Old lock and new Lock Box and entered XXXX I have NO access ..How was this allowed to proceed .. the Cart was before the Horse .. as The XXXX was way above the Norm and I was told that the Deed in Lieu was DENIED .. How can ALL of this occur and it be denied? the XXXX was way above the common Comps for that area .. as I understand it was {$170000.00} +/- and I had Too Much Equity, therefore Denied .. I have not been able to pay on this home due to Hardship ( Which Di Tech has All that info ) and have had it for sale for years at a much lower price, just to Break even .. After all the Hoops I have had to jump thru, and a very poorly implemented process with very inaccurate guidance ..I do n't understand How this happened I request an " Appeal " of this Denial and make Di Tech act positively to this request. I have had a Triple By pass and the Years and last 6 months of stress dealing with this Servicer in attempt to satisfy the needs and process has taken its toll on me Physically. my only recourse ( I was told by DiTech ) was to contact XXXX and request another look at this Whole Deed in Lieu and have it resent with Special Approval to reinstate the Deed in Lieu process my Home phone is XXXX home address : XXXX XXXX XXXX XXXX, XXXX XXXX Please review this request and afford me the remedy I need to complete this process in my favor Thanks in advance XXXX XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-01-27

Belle Haven, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I refinanced my home XX/XX/2016. Prior to refinance, my routine was submission of payments bimonthly and routinely paid more than monthly payment. After refinance, I maintained my routine. I noticed immediately after refinance that the additional payments sent were being placed in an account labeled unclaimed funds. Immediately when I notice this, I called and demanded why the additional payments were not being applied to principal and was told it would be fixed. It continued. I called again requesting why the additional money being sent was being held and was reassured again it would be fixes. It continued in total for 8 months. I have written multiple times, my emails go answered. I call customer service and I am told different things each time I call. Due to the prolonged time of resolving the issue and the inconsistency of things being told o me by customer service, I contacted XXXX and the federal housing inspector general. I have now had my capability of writing emails on their intranet disabled, I have been told that someone will follow up with me and they have not and now my end of year statement is incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-01-27

Omaha, NE

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I sold my house and the sale closed on XXXX XXXX, 2016. Ditech was servicing the loan. The company has failed to refund my insurance escrow premium. I have made repeated inquiries to the company and the only reply is that they are looking into it. From what I can determine, Ditech may have sent a refund check to the wrong address. The company will not, however, address this issue.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2017-01-26

Sherwood, OR

Cont'd attempts collect debt not owed

Debt collection: Mortgage

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

Disputed: No Timely Response

2017-01-26

Springfield, VA

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

2017-01-26

W Des Moines, IA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have XXXX properties that I currently have mortgage with Ditech mortgage company. One of the properties have interest rate of 5.5 % and I ask them for help to reduce my interest rate and the are not willing to do that, and keep adding late charges last year ask them to waive late charges they refused. On the second mortgage, I have been informed that I do not need to have mortgage insurance, due to the facts that I owned more than 25 % of he property, but they refused to reduce my payment and I am still paying for mortgage insurance, that by law is not required, also ask them to waive late penalties, and they refused. I am XXXX years old and do not have funding to hire attorney. Please help. Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-26

Prunedale, 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

2017-01-26

Wonder Lake, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Ditech Mortgage My taxes are combined with my mortgage. Ditech Mortgage company is reporting a " lesser '' amount on my XXXX than what the assessor 's office has on file that was actually paid. I can not get anyone at Ditech to make the correct to my XXXX form so I can file my taxes. I 've made several calls and continue to be told there 's nothing that can be done. I also see several several Quick Claim deeds via XXXX County Assessors Portel. No one at Ditech will explain these either.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-26

Tacoma, WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XXXX/XXXX/XXXX I mailed via CERTIFIED mail, the XXXX XXXX mortgage payment of {$990.00} to Ditech for loan number XXXX ( Addressed to : Ditech, XXXX XXXX, XXXX Ca. XXXX ) It arrived on XXXX/XXXX/XXXX and no one signed for it, it was returned to XXXX and then sent back to Ditech, it arrived on XXXX/XXXX/XXXX and no one signed for it. I called Ditech on XXXX/XXXX/XXXX after I discovered both payment we had sent via certified mail had not been signed for, XXXX ( ext XXXX ) could not say why. I went online and paid for XXXX mortgae, but as I am in a almost 2 year dispute with this loan ( They say the loan has a {$290.00} back owing, but they have never been able to point to where this originates from, and I have paid in full cancelled checks for every mortgage payment ), so she told me to hold on paying this XXXX and she would call me back. On XXXX/XXXX/XXXX I received a statement that says I owe {$3000.00} with {$700.00} in suspense, I tried to go online and make a {$990.00} payment for XXXX, but the electronic payment amount is prefilled in as {$1900.00} and will not allow a lesser payment, so it does not allow you to use the " Funds in Suspense ''. I called and left a voice mail for XXXX, who has never called me back. I also now have a late fee for the XXXX payment they refused to sign for. I do not owe anything but the XXXX XXXX payment as of this date AND that is ONLY because they did not sign for the certified mail. They have NEVER been able to explain where the {$290.00} originated from.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2017-01-26

Dryden, MI

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

2017-01-25

Douglasville, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: Yes Timely Response

2017-01-25

Halyoke, MA

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: Yes Timely Response

2017-01-25

Riverbank, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: Yes Timely Response

2017-01-25

Crofton, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: Yes Timely Response

2017-01-25

Bremen, GA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I recently received a default letter from Ditech saying that they have n't received my XXXX XXXX mortgage payment. I have proof/documents that I have been making monthly mortgage payments. I spoke with a Ditech supervisor ( XXXX XXXX ext. XXXX ) and he says that my mortgage payment has been placed into Escrow. XXXX then says he will need to research my account and he will call me back once he had some more information. XXXX has yet to return my call and each time I try to contact him, I get his voicemail box. I call Ditech again XXXX/XXXX/XXXX and speak with another representative who tells me that my XXXX XXXX payment has been used to pay bankruptcy fees. I began to tell her that was incorrect because all fees were paid and discharged through Chapter XXXX bankruptcy court. The representative says she will email me a document that would verify where my mortgage payment went. I have yet to receive this email. There has been ongoing problems with Ditech misapplying my mortgage payments ever since my mortgage was sold to them from Greentree. The attached documents outline payments and letters from Ditech. The highlighted areas show information where Ditech claims I am in default {$1300.00}. I am only to make XXXX XXXX payment of {$690.00}. Ditech is now sending notices to pay this false {$1300.00} payment. Also, I am due to pay XXXX payment but I am hesitant to send it in because I am unsure how Ditech will apply it.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: Yes Timely Response