Ditech Financial LLC

2015-05-19

CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: This company is charging me XXXX which is n't the correct loan price. My loan amount was XXXX. I have paid XXXX. On my credit report Green tree Servicing LLC, PO Box XXXX, XXXX XXXX, SD. XXXX. ( XXXX ) is reporting my loan as new to keep it open. this loan have been a charge - off on XXXX with an account paid in full. This account was opened XXXX.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-19

Fort Pierce, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I received my regular mortgage bill with an extra amount due monthly. It states is for attorney fee for a foreclosure in the total of XXXX. I called them asking how this is? They stated I went into foreclosure when I did n't and told me this is their attorney fees, I asked them for a copy of the attorney 's bill they received and proof I went into foreclosure. They have history of doing this to people and false charges. They stated they had no proof that they only had a letter that was sent to me a XXXX ago stating my account could go into foreclosure if Im not caught up. I was late XXXX month and this does n't constitute foreclosure and nor was foreclosure started. I would like a copy of the attorneys bill for the amount they are charging me. They are always extremely nasty on the phone to me and threaten me in different ways.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Stevensville, MI

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Vancouver, WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Lansdowne, VA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Clermont, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Palos Park, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Alpine, IN

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-18

New Hanover County Airport, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-18

MA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: We bought a house XX/XX/XXXX, for XXXX with a XXXX and a XXXX mortgage. We refinanced to get out of a 2-year ARM and increased the amount of the second mortgage. XX/XX/XXXX, the economy went south and my husband who is XXXX as a XXXX, suffered setbacks with his XXXX but also with his health, needing a XXXX. I lost my job and got a new one, but lay-offs meant that I had to look for work again. We struggled to keep our house and became delinquent with the XXXX mortgage on XX/XX/XXXX. We have been through XXXX loan modifications, and we knew that we should concentrate on the XXXX mortgage so as to keep our home. We do not want to file for bankruptcy, and we want to keep our home. We did not make any payments on the XXXX mortgage after XX/XX/XXXX. Greentree, also known as XXXX sent us a letter dated XX/XX/XXXX advising us that the statute of limitations has run out. XXXX, their debt collector, sent us a summons with a letter dated XX/XX/XXXX to court for XX/XX/XXXX to appear before a judge over the debt. I thought that when the statute of limitatinons has run, that XXXX are to stop pursuing the debt under the law. I am afraid to contact them because any communication with them may be seen as an admission to the debt and revive the debt with respect to the statute of limitations. Greentree continues to send us a bill for the debt, hoping to trick us into making even the smallest payment in order to revive the debt with respect to the statute of limitations. XXXX sent us a letter that tries to get us to pay something in lieu of going to court, but that is also in order to revive the debt. I don't think they should be allowed to try to trick homeowners into thinking its safe to pay a little without informing the homeowner that it will make them fully liable for the debt for another 6 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

WA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Green Tree Loan Servicing unable to accurately account for our mortgage payments being made on time. Incorrectly reporting XXXX late payments this year when they were made within the established grace period. I can order my cancelled checks proving that. However, the loan history from their website I downloaded and attached here. Extremely difficult company to work with, and very rude.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Glendale, CO

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XXXX is the case number involving a complaint in which an escrow shortage pertaining specifically to homeowners insurance arose just after my husband and I contacted XXXX XXXX in XXXX, XXXX Our agent, XXXX XXXX initiated a conference call with our mortgage company Greentree Servicing LLC , who purchased our loan from XXXX XXXX XXXX . We had always escrowed our taxes and insurance in every loan we ever had, and the call was to set this up and have the lender placed insurance removed and XXXX XXXX added. We were about to save money and were convinced that the XXXX companies had done what we were asking them to do. We began making our new payment, which was still more than the payment we had when we modified our loan with XXXX XXXX XXXX in 2012, a fixed rate at 2 % for five years. We heard nothing until 4 months later, XXXX XXXX sent us a notice saying that we owed {$420.00} because Greentree had not paid them. The purpose of the call was to set up the insurance escrow with XXXX XXXX, so we were at a loss to understand why it had not been and where the money we sent Greentree went. Greentree gave us no answers, so we proceeded to use a new insurance company associated with XXXX, who insured our automobile. That company was XXXX. Our insurance was going to cost more, but we knew we were aware of XXXX 's excellent reputation. We began making a higher payment after finally getting noticed by XXXX that Greentree was paying them. This took longer than it should have, and we received several inquiries from XXXX alerting us that they were still waiting for monies to be distributed. We were a bit irritated that Greentree fumbled a few times in getting this right as well, but again, we felt convinced that the account was being handled the way we expected. Not too long after that, we were told by Greentree that an escrow " shortage '' had developed and that we were required to pay an additional {$140.00} over 16 months to make up for the " shortage, '' which had developed EVEN THOUGH we were making a HIGHER payment than the loan terms dictated. We are convinced that the money was being collected in XXXX department and shoveled somewhere else. In the meantime, getting no satisfaction from Greentree, we called XXXX and told them we wanted to remove the escrow and pay the insurance ourselves. We were told to call Greentree. We called and told them we wanted to pay taxes and insurance ourselves, but they said we could not without addressing the " shortage, '' which should have been a surplus based on the fact that our payment never went below the amount Greentree told us to pay when the loan was sold by XXXX XXXX XXXX. Being thoroughly displeased with Greentree and distrustful of them, we made XXXX individual payments of {$530.00} covering principal and interest. Our representative with Greentree, in fact, had instructed us to pay this amount XXXX time previous to this. Only a month ago, an unnamed paralegal from Greentree sent us notice of default with intent to cure, saying we were XXXX months behind. We believe this is criminal and that our loan is being deliberately sabotaged by Greentree while they avoid addressing the issue we addressed in filing the complaint cited in Case # XXXX. We are afraid of being displaced from our home. Meanwhile, Greentree continues sending encouraging us to call their loss mitigation department. We are tired of being victimized and do n't know what else to do except contact an attorney.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-18

Mountain View, OK

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

CT

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: My house at XXXX XXXX XXXX, XXXX, RI was foreclosed on by XXXX, because i had bought a new home, could n't sell the house and had exhausted my savings trying to pay both home mortgages. Green Tree was the second mortgage holder. I have been paying a monthly payment since XX/XX/XXXX, once I was contacted by Green Tree and the XXXX foreclosure was settled. I am required to set up payments in six months intervals, which I do for {$300.00}, which is higher than my original mortgage payment. I am not allowed to make the payments monthly on my own and are forced to pay a {$12.00} processing fee each month, which i have done. The last time I had to set up the next six months of payments, I was required to provide all my financial information before they were willing to discuss my account with me, when I refused to i was threatened with being sued. I reluctantly provided my financial information and was subjected to questioning about my monthly bills, my current mortgage, why i have open charge cards, why is my cell phone bill so high, etc. I was then lectured about paying the Green Tree debt first, in fact, the representative was trying to force me to make an offer to payoff the balance immediately. After much convincing I was able to get the Green Tree representative to set up another six months of payments. The representative made it very clear that if I do not settled the debt after XX/XX/XXXX, when the sixth month payment is processed or they will take me to court and sue me for the balance in full. I do n't feel I am being treated fairly. I am paying the mortgage lender monthly, the amount is larger than the original mortgage payment, I am paying a $ XXXX monthly processing fee and yet I am constantly threatened with a lawsuit for nonpayment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Seneca, SC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

OR

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-05-18

NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My house is in foreclosure, and I have someone who 's willing to pay off the entire balance cash. I asked Greentree for a payoff amount mid XXXX 2015. They said fax would be 24-48 hours and snail mail would be 5-7 business days. I opted for both. 3 days later I called and was told it takes 7-10 days for fax and 7-10 business days for snail mail. I waited, called back XXXX XXXX, 2015 and was told I was denied but a second request was put in on XXXX XXXX. Why was n't I informed and why is this something I need to qualify for?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Wallace, NC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: i recieved a letter from green tree servicing about a moble home they say i owe for in 1990 ... ..i have never had a moble home, they say the account number is # XXXX the creditor was XXXX XXXX XXXX ... ..I have never had anything with XXXX XXXX XXXX,,, and they really did not have any info on this ... to say i owe something from 25 years ago ie stupid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-18

San Antonio, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My lender increased my payment by {$260.00} per month due to what they call a " mis-calculation '' of escrow last year. This amounts to about a 32 % increase of my mortgage payment! This has a major impact on our already tight budget. I do n't see how this big of a miscalculation can take place and then the lender can simply say oops but that 's the way it is and we ca n't help you ... now go talk to your bank.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-18

Rochester, OH

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I am representing a Borrower whom has filed a Bankruptcy, and did not reaffirm her loan, we have been disputing the value with Green Tree/ XXXX XXXX AS I was told the property was assigned to be winterized and it was not, so with our brutal winter there was additional damage done to the subject property in the amount of {$90000.00}. XXXX refuses to re-evaluate the value as this was already done XXXX. But the damages have prevented us from getting a $ XXXX offer. They are informing me the Borrower needs to file an Insurance Claim, we have tried numerous times to reach out to XXXX Green Tree and XXXX to obtain the correct information, with no results. The Borrower has not paid on Home Insurance in over a year, so we have no idea where to go from here, we have been trying to process this short sale now since XXXX, and are just exhausted with the manner this is being handled.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-17

Clarkesville, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-17

FL

Communication tactics

Debt collection: Mortgage

Frequent or repeated calls
Complaint: they call all the time.i said i would pay XXXX a month and that 's what i do. it was a mobile home i let go back. so they gave it away an i have to pay the balance. they do n't send you a balance or anything to let you no they received your money.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-17

Harsens Is, MI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage is currently owned by Green Tree LLC. Today ( XXXX XXXX ) I received a statement notifying me of an increase in my monthly payment to cover hazard insurance because they claim I do not have insurance coverage on the property. That is not true. On XXXX XXXX my insurance company faxed my insurance policy showing them as the loss payee to the toll free number listed in their dunning notice. On XXXX XXXX I called Green Tree and was told the fax was received and that my insurance information was on file with an expiration date of 2016, which was correct. I updated the loss payee information on my insurance when I renewed it in XXXX this year, but I used the Green Tree address on my mortgage statement because I did not realize I should have used a different XXXX. When I received the first dunning notice from Green Tree in XXXX I was so upset that I did not read it carefully. I faxed them a copy of my insurance policy myself, not realizing I should not have done that, nor that I had used the wrong address for Green Tree. When I received the second dunning notice from Green Tree on XXXX XXXX, I realized my mistakes and immediately called my insurance company to correct the loss payee information. While I was on the phone with my insurance company, they faxed the updated information to Green Tree, as stated above. I do not understand why Green Tree sent me a hazard insurance policy dated XXXX XXXX and a statement dated XXXX XXXX when they had confirmation of my insurance on XXXX XXXX. My handling of this situation was inept, but my insurance policy never lapsed and the hazard insurance they are charging me for is not required.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-16

El Paso, TX

Taking/threatening an illegal action

Debt collection: I do not know

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-16

Charlotte, NC

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response