Ditech Financial LLC
Consumer Complaints
There are over 14647 complaints on file for Ditech Financial LLC. Dated between 2019-12-10 and 2012-03-19.
Complaints Page 151
2017-01-18
Rochdale, NY
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: On XXXX XXXX, XXXX my Bank, XXXX Bank reported that XXXX, XXXX was withdrawn from my checking account and this was done without my knowledge or authorization. I have never made a double payment, and the payment was made online and I did not go online that week at all. I then transferred XXXX dollars from my XXXX bank checking account to my savings account to prevent anymore unauthorized charges and I alerted XXXX bank. They instructed me to contact Ditech and I did, letting them know what happened via phone. The Ditech representative noted that I had never made a double payment in the past and the amount that was taken did not even equal a two month payment which was another inconsistency. The Ditech represented asked me to send a copy of my bank statement showing that the money was taken out of my account and they would return the money. I told her just to return the balance after one payment because I still needed to pay a XXXX payment if they gave the total amount back, so do n't return all the money. She agreed to just send the balance after the XXXX payment, and on XXXX/XXXX/XXXX the balance was return to XXXX bank.
After this conversation with Ditech costumer service, I tried to make an electronic payment online on XXXX XXXX, XXXX and my account was denied online payment. I then tried to make a payment by calling in and all the service lines were down, and all calls were reverted to someone 's answering service mail box. I left XXXX messages and sent an email to customer service. I sent another email the next day and received XXXX automatic responses via email with no communication about my inability to make a payment. I mailed a check on the third day and still no communication from Ditech all their lines were down for two weeks. I decided to call the Better Business Bureau, and they stated Ditech has a history of no contact with costumers for a month. They suggested that I keep mailing my payment and if I am unable to contact them in a week call them back and file a complaint. I started mailing my payment with a different Bank XXXX XXXX to keep better track of payments. After a month I received a letter from Ditech stating that if I am having a problem making a payment I should refinance for a 40 year mortgage or call the number to discuss modifying my loan. I called the number and I got an actual Ditech customer representative on the phone. They started to say the same thing to me that the letter sent explained and I asked them to look at my account and they stated they see the inconsistency and that the money was returned and that my last payment was placed in another account and not credited to my mortgage. When I asked why, the represented stated they do not know and would pass my case to a supervisor. I explained I had sent my bank statements previously and they prove I am current and only my XXXX payment is due. He said he could see the bank statement and this was recorded as a Ditech error originally that is why the repayment was issued. He stated he does not understand what he is looking at and would send it to his supervisor and they would contact me on XXXX/XXXX/XXXX. No one has contacted me today, and when I attempted to call the number once again my call was diverted to a person 's email all lines down again.
I am sending a copy of all Ditech statements that show payments made and inconsistencies within the statement for XXXX/XXXX/XXXX shows payment received, XXXX/XXXX/XXXX, payment received, XXXX/XXXX/XXXX double payment received, XXXX/XXXX/XXXX payment received and Delinquency Notice for XXXX/XXXX/XXXX, XXXX. On the same statement that a payment is recorded. Where does this Dequincy come from if the Ditech statements report those months are paid. It looks like two different offices not communicating.
I am sending copies of Bank statements Highlighted that show XXXX Bank payment made to Ditech XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-01-17
Mt Pisgah, IN
Loan servicing, payments, escrow account
Mortgage: Other mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-01-17
Reidsville, NC
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
2017-01-17
Bloomington, UT
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-01-17
San Antonio, TX
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Complaint: I sold my current house an paid my loan off to Ditech. The title company ended up sending the check to the wrong address causing the payment to be XXXX days. I was n't informed till after the XXXX days that they did n't receive the payoff. I am now trying to close on my new house and ca n't because of the XXXX day late they refuse to remove that was n't my fault. The title company sent it to the wrong address they provided. I am now paying fees for my current builder to continue to hold home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-01-17
Aliq, PA
Incorrect information on credit report
Credit reporting:
Public record
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-01-17
Lake Bridgeport, TX
Settlement process and costs
Mortgage: Conventional fixed mortgage
Complaint: Our mortgage is with Ditech Financial. Our house recently flooded and my mortgage company will not release the insurance money for us to make repairs. Per their requests, we have sent a substitute XXXX for tax purposes, an estimate of repairs along with the adjuster 's estimate and an inspection form. Every time I call to see where the money is, I am told they need more information and then told to wait another 2-4 weeks for processing. I asked for a phone number to file a complaint and was told that they do not have a complaint number. I was told I could leave a message on the supervisor 's voicemail if I wanted to make a complaint. This has been going on for 3 months and they have yet to release any funds. I would like to file a complaint, and would like to have 50 % of the funds released to make the necessary repairs to my house. I would like for Ditech to be held accountable for their actions. Every time I call, I have to speak to another person and they tell me the person before gave me misinformation. I see no resolution in sight.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-01-17
Atl, GA
Other
Mortgage: Other mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-01-17
OH
Credit decision / Underwriting
Mortgage: Conventional fixed mortgage
Complaint: I applied for and completed a home modification program ( Home Affordable ). My mortgage was sold from XXXX XXXX XXXX to Di-Tech. Upon completion of the modification program, I received a letter from XXXX XXXX XXXX explaining to me that since I completed the program in good standing without missing a payment, they were awarding me {$4000.00} to be applied to the principal of my mortgage loan. Once Di-Tech bought the mortgage loan from XXXX XXXX XXXX, they ( Di-tech ) decided that I did NOT qualify for the {$4000.00} and advised me in a letter that they were taking that money and that I was no longer eligible for it. I called Ditech to inquire how they came up with their reason that I did not qualify for the {$4000.00}. They said I had missed a payment back XX/XX/2012, therefore rendering me unqualified. After speaking to Ditech, I immediately called XXXX XXXX XXXX who in fact verified that there has never been a payment missed or even late. I have NEVER missed or been late on a mortgage payment in 49 years of owning my home. My daughter wrote a letter to Ditech along with the proof that the payments were all made and all I 'm getting is " we need more time '' explaining that they can not find a discrepancy. If I can get that {$4000.00} applied back to the principal of my home, I will be able to refinance and bring my payments back down to where I can afford them. Since Ditech took my mortgage from XXXX XXXX XXXX, my payments have steadily gone from XXXX to XXXX. I am XXXX yrs old and a widow, and live on a fixed income. I feel strongly that they are scamming me in order to keep the money that was issued to me by the Dept of U.S. Treasury. I have the letter from them awarding me the money. Please help me get the money back that I have coming to me.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-01-17
MO
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: My escrow account was debited twice for a single property tax payment. This error is reflected throughout my escrow account history up to the present day, and resulted in the assessment of a higher mortgage payment due to the escrow balance falling below the minimum requirement. The lender refuses to acknowledge the error, but did allude to data conversion issues during the time period in question.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-01-16
Moapa, NV
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: I had a loan with XXXX and experienced hardship and requested a loan modification. The State of Nevada Modification Program held a hearing where XXXX stated that they did n't have the title to my property. I was halted due to the fact that they were unable to find the title for several years.
After they claimed that they found the title it had been transferred to XXXX. I have been attempting to get my home loan modified since and their servicing agency which has been changed several times now continues to break laws governing modification and foreclosures.
They are now stating that they have closed my file because there is a credit lock on my credit reports.
I have confirmed with all XXXX credit bureaus that this is not the case. Although the credit bureaus wo n't give me anything in writing stating such.
I have provided my mortgage company provider which is not DiTech a copy of my credit report from all XXXX bureaus and they refuse to accept the reports and have closed my modification file. I am now facing foreclosure.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-01-16
Alexandria, VA
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: I have a mortgage with Ditech Financial. My Escrow account for 2017 is incorrect. I am being charged four times a year for taxes instead of two. My account is showing XXXX amounts of XXXX when there should only be two per year. Ditech is also incorrectly charging me for Earthquake insurance which I do not need and have never needed. I have insurance both through my condo association and XXXX. Ditech has copies of both insurance policies and they are in my record. Both are paid by me and not by Escrow. This is incorrect. I had contacted Ditech and had my escrow analyzed by Ditech at least 4 times in the past month and each time the amount is still incorrect.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-01-16
Wonder Lake, IL
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Complaint: We were formerly with Greentree, then they changed their name to Ditech. We have been trying to modify our loan since XX/XX/XXXX. We have submitted information multiple times, and have scanned documents to support this. I would be more than happy to transfer all of the documentation to you, but there is a LOT. We received a letter from them that finally after multiple faxing and sending paperwork in via certified mail on XX/XX/XXXX that they had finally received all of the necessary information. Then on XX/XX/XXXX we received another letter stating that our request was denied as " we had n't sent in all of the pertinent information. On XX/XX/XXXX we uploaded a completely new packet ( 3rd try ) and were told today that the file was closed on XX/XX/XXXX and that our account has now been transferred to XXXX ( a new company ) We want to keep our home. We are very delinquent, not because we have not tried to fulfill their requests, but rather because we are getting the run around. We have received letters every other month with a different account representative, and multiple requests for information that we already sent in and have fax confirmations of receipt. Any assistance you can provide would greatly be appreciated.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-01-16
Santa Ysabel, CA
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: Hello, Ditech received an refund from my county taxes on XX/XX/2016 and I only received a surplus check of {$120.00}. They are unable to communicate to me why my surplus is n't larger. I did not have a shortage on my account, I 've been current ever since they took my over my loan. I just do n't understand why I did n't get more of a surplus, when there 's a XXXX given to them by the county.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-01-14
Malden, MA
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-01-14
Moapa, NV
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
2017-01-14
NY
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-01-14
Bethesda, MD
Credit decision / Underwriting
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2017-01-14
Rncho Domingz, CA
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: I have a home mortgage loan with Ditech. My name is XXXX XXXX. My loan originated with XXXX XXXX XXXX XX/XX/XXXX. I purchased my home with over 30 % deposit and decide not to set up an an escrow account to impound property taxes. Several years ago XXXX sold the loan to Greentree financial, then Ditech took over Greentree loan. I have never been delinquent in paying my mortgage ever. My spouse pays the mortgage automatically through his checking account electronically. I received a Call from a Ditech XX/XX/XXXX debt collector indicating I needed to call them. They were stating they were debt XXXX. I called them and apparently they are collecting for taxes they paid and late fees. I paid the property taxes, but asked them to not impound the taxes. I requested they waive those junk fees, because I pay my own taxes as my mortgage documents stipulate. ( loan # XXXX ) I also asked for a proper verification of debt, they refused. They refused to undo the impound escrow account. I was transfer from rep.to rep. I paid the taxes, even though I did not have a verification of debt, cause online statement says they paid it on the XX/XX/XXXX. They were due on XX/XX/XXXX. I made a payment today of {$1500.00} to go the property taxes. I want them to provide an itemization of what they paid, to do a reversal of all the junk fees they put on. My payments have always been on time. they refused to let me speak with managers, and did not respond to the fax I sent XX/XX/XXXX. I do not want them to report my payments as late. they need to review the docs I signed with XXXX to see I pay my own taxes and insurance. this is a ploy to try and foreclose on my home illegally. Property address is XXXX XXXX XXXX, XXXX CA XXXX. The XXXX county treasurer tax collector said they have created a lot of problems for home owners such as me. I ask for your assistance to solving this problem, since no one at Ditech cares about fixing the errors they made which are causing me financial distress. They also sent a debt collection letter with some other persons name one it and a different collection amount. They admitted sending lots of these letters out in error. I believe they did this to collect fees in an illegal manner. This predatory lending practices and it is unethical. Please assist me if handling this problem and email me at XXXXXXXXXXXX This is so stressful. I never had a problem with XXXX XXXX XXXX when they handled the loan. Thank you, XXXX XXXX
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-01-13
Clayton, MO
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: I filed the below complaint with the CFPB on XX/XX/XXXX. My mortgage servicer, Ditech Financial LLC, responded that I will need to reaffirm my debt following discharge of a CHAPTER XXXX bankruptcy in order to rectify my credit report, which does not show any mortgage nor payments to the same, and to reinstate detailed monthly statements versus informational ones.
Unfortunately Ditech 's response seems to have been given without reading my complaint - I can think of no other explanation for why it was so totally off base. The key point, which was somehow completely missed by the responder, is this : I FILED CHAPTER XXXX BANKRUPTCY, NOT CHAPTER XXXX. This and all other needed details are provided below in the original complaint, which I am hopeful will be rectified this time : I filed for Chapter XXXX bankruptcy approximately XXXX and the bankruptcy was successfully discharged XX/XX/XXXX. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc.
I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than one year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it.
As of today, my request has been elevated to Ditech FOUR TIMES ( over the period of a few months ) and they have yet to respond and recode my account.
I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-01-13
Cheshire, OR
Settlement process and costs
Mortgage: Other mortgage
Complaint: I applied for a loan modification through Ditech XX/XX/XXXX and was told that it was approved XX/XX/XXXX I then started making the trial payments. I was told to expect the final contract papers XX/XX/XXXX. I have not yet received any paperwork to finalize the modification. Ditech has been reporting my mortgage payments in default since early last year. They have said that they are having a " system error '' and the system is not updating the modifications as it should so they are unable to even manually generate modification documents. Their rep says that she has been complaining but it is not getting fixed. Recently my car died and I had a huge amount of trouble securing financing due to the dings on my credit report and subsequently have not been given a good interest rate for the life of this loan which has cost me money. I have kept up the trial payments through XX/XX/XXXX, but would like this issue resolved and the modification made permanent and my credit report corrected. I have escalated it to HAMP, but still have got nowhere with Ditech.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-01-13
Newnan, GA
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: I requested my mortgage servicing company to cancel my escrow account be my mortgage payments continue to escalate over several years until now we can not afford the payments on the loan for the current year of XXXX. We submitted a request in XXXX XXXX. I was told since we have a conventional loan a written request must be faxed or mailed. I sent the request through a fax letter with the loan number. This company police holds {$700.00} in reserve fund above the total amount it disbursed for property taxes and insurance. We are now finding it hard to make new loan balance payment each month for year XXXX.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-01-13
Kennesaw, GA
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-01-13
Coventry, RI
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-01-13
GA
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: Ditech bought my home loan from XXXX. Ditech did not pay my insurance or taxes like they were supposed to. Ditech finally paid my taxes but they are trying to slip my late fees into an HOA payment. I do not have an HOA and what they are doing is fraud. I have never missed a payment nor have I been late. They refused to take any responsibility for the late tax payment or making my homeowners insurance get cancelled.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief