Ditech Financial LLC

2015-05-14

VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I had paid off this account on XXXX XXXX 2015 to Green Tree Servicing in the amount of {$120000.00}, as the proceeds were wired to them by the closing attorney. I have asked them to send me the exact posting information, as how much was posted to the principal, interest, escrow and what kind of fees were charged. Instead Green tree field a Foreclosure against me in the XXXX, SC on XXXX XXXX 2015 ( which was later dismissed after i became aware of it and sent their attorney an email ) Until today, Green Tree has failed to provide me with any detailed information. The only letter I have received says that there was a check sent to me on XXXX XXXX, 2015 ( This is XXXX 2015, not XXXX 2015 ) in the amount of {$1700.00}. When I call their customer service, they give me run around and treat m every rudely.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-14

South Florida, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XXXX XXXX XXXX and Green Tree Servicing LLC have not been applying my mortgage payment to my loan for the last XXXX months. As of XX/XX/XXXX. They are also saying I 'm XXXX months behind on my loan. They are also adding another month to my mortgage balance. This is a total of XXXX months they are not giving me credit for. My mortgage balance should be less than XXXX dollars. Yet they are saying my mortgage is over XXXX XXXX dollars. I made the same compliant to XXXX and Green Tree servicing LLC in XX/XX/XXXX, that they had added six months to the back of my loan. They are still doing the same thing in a different way. XXXX and Green Tree Servicing LLC are also adding illegal late charges to my mortgage account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Bridgeport, CT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Atlanta, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Mortgagor has asked for and received excessive amount for escrow of property taxes. The current escrow balance is over {$36000.00}. The property taxes for the year would be around {$10000.00}. We have called several times and asked for refunds. The current required monthly escrow being demanded for taxes is over {$2000.00} a month, which needs to be adjusted.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Bel Alton, MD

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I am in a Chapter XXXX repayment plan. My mortgage was sold in XXXX from XXXX to GreenTree.I received an escrow adjustment letter from GreenTree stating I have a {$2600.00} shortage in escrow and my payment will go up {$170.00} per month if I do not pay them the shortage. I called and asked what bill increased as I had checked with my Insurance and taxes. They stated that they require a " cushion '' of {$3900.00} in escrow and if I did not pay it then my payment will go up. It was not my choice to be transferred to GreenTree, I do not have {$2600.00} to pay and I can not afford another {$170.00} a month simply to cushion the account. If I pay the {$2600.00}, my payment will drop to {$1300.00}, this is {$50.00} less than what I pay now. I asked how much I can pay to just stay the same an they said that is not an option. I feel like this is blackmail. In this scenario, EVERY mortgage transferred to GreenTree will have to pay a huge fee or suffer a big jump in mortgage payment. It was not my choice to be transferred. Please advise.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Orion Twp, MI

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Gastonia, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: XXXX sold my home loan to Green Tree but failed to transfer my loan modification that had become permanent and was wonderful. It took me 18 months to get this information transferred at which point the home was delinquent, I moved out of it XXXX 2013, and they said that the only way to get the payments to the modified amount was to back pay {$17000.00}. This is an impossible task for a single parent of a young child in child care, without child support, and working 6 days per week just to make ends meet. This mishap put us in a poverty stricken, high crime, area paying {$800.00} rent for the last 26 months whereas we could have remained in our home, in a great area, brand new, for {$1100.00} had they originally transferred the amount. After all, I did put 10 % on the home and at one point worked XXXX jobs to maintain the {$1500.00} house payment and my XXXX credit score. It was by the recommendation of the representative at XXXX XXXX XXXX that I initially became delinquent to obtain the modified amount. Being unable to repay the {$17000.00}, I was forced to either have a foreclosure or short sale. I had several offers on the home in XXXX but in order to even begin a short sale, it had to be listed for sale publicly. I did this. Then I submitted paperwork upon paperwork to Green Tree with it being lost each time. Finally after six months of going around in circles and the offer being retracted due to time, I submitted my first complaint through this site. It was after submission of this complaint, they finally began responding to me. I made the home active again and immediately had another offer submitted. Green Tree countered the offer and the contract was retracted within 2 days. The home was immediately made active again and 3 offers flew in within one day. One of these offers is {$200.00} above asking price which is the amount of the principle pay off. Also note, during the showings of the home, the stainless steel stove/oven was stolen so now the home is being sold without and they still offered {$200.00} above asking price. Now that the offer, short sale addendum, mineral rights, etc. have all been signed and submitted ( within 3 business days ) ; they are requiring that I begin this process all over again at which point I will lose the offer of {$190000.00}. I have been doing everything possible to save this home and I am not getting any assistance from Green Tree. Not even something as simple and being helpful. My poor realtor has worked more than one ever should and we are tired of constantly going back and forth. They will lose much more money if I let it go into foreclosure ; I am trying to help everyone involved.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Lewisville, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Greentree Lending calling me numerous times throughout the day leaving me messages. Telling me that they do n't care and I ca n't afford the property. Refusing to give me the address to request all documents including notes and phone calls. Not resolving or even documenting my complaints Not disclosing all fees being assessed to my mortgage. Said they do n't care to discuss why I am behind.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Ruskin, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-13

Brookside, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Spring Hill, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Coral Springs, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-13

Cumberland, RI

Credit decision / Underwriting

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Bloomfield, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Winton, CA

Communication tactics

Debt collection: Mortgage

Threatened to take legal action
Complaint: Has in the past threatened to take legal action but currently, when they call me, if I answer my phone they hang up. If I do n't answer it they k eave a message with a call back number. I call back and leave a message with no return call. This is a second mortgage on a house we lost in forclosure.i have been making payments to them every month for 5 years. I have even offered a settlement.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-13

Tracyton, WA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Our original loan was through XXXX. We went to them to re modify our loan or get the interest lowered and were told by the finance manager in order to prove that we can not pay the mortgage, we had to stop paying for 6 months. Long story short, we did and then they would n't consider re modification due to our credit being " bad '' from not paying our mortgage. Our loan was sold to Green Tree servicing and we have been trying unsuccessfully for almost 4 years to work with them to modify our loan. We were told by them that we pre qualified & to fill out the package & get it back to them. The first package I had missed a document and sent expedited it. They said they had n't received any of the documents & sent out another package to fill out. This happened 4 times & each time we sent them certified & we had recieved the post card back with a representative from Green Tree signing & recieving the package. They kept sending us letters saying they had n't recieved the documents & giving us a Case manager to call. When you call the number provided, you do not get that person as this is nothing less than a call center. We have asked to speak with a supervisor on many occasions & they just read the same from the computer the employee did. They had harassed my husband on his cell phone at work repeatedly that we finally changed his number. Then they started harassing me on my phone asking for him. In XXXX it is against the law to talk on your cell phone while driving and he had told them to call him after he got off work. they were calling our house up to XXXX and would start as early as XXXX. On XXXX XXXX I faxed over the entire packet once again from XXXX at a cost of {$38.00}. I have the notice of receipt. They still said they did n't receive it. We have had many auction dates and the next one is next Friday XXXX XXXX, XXXX. We were told to file bankruptcy in order to save our home and it did n't work since they have assessed another {$50000.00} dollars on top of our original loan, so unfortunately the judge had to accept the Trustees documents due to the fact that people are upside down in the housing market & our tax statement shows way less than what we owe so it looks like we do n't have any equity in our home. During the last short sale we found out we have a frivilous lien against our home from XXXX XXXX Atty in Oregon. We included it in our bankruptcy. After contacting the Oregon Bar Assoc, He has been warned several times for his illegal handlings of his case.Now they have assessed more on top of that. Our little XXXX ft XXXX bedroom home is only worth XXXX and Green Tree Servicing has turned down 3 short sale offers, And continues to change our auction date, from month to month. We have literally packed up our entire belongings except our beds and dressers because we have no idea when it will go to auction. I became XXXX in XXXX and this is what started all of this, going from XXXX incomes to XXXX. We have tried to explain this several times and it falls on deaf ears. I have had XXXX since XXXX of XXXX. This has created so much stress on my husband and I that it has caused health issues. I was recently XXXX because of everything we have gone through to save our home. My husband is also XXXX and goes to work, comes home and completely shuts down. We have worked very hard all of our lives, to now living out of boxes not knowing when our home will be auctioned. We have owned this home since XXXX and have put our blood, sweat and tears and are still trying everything we can to save it. Green Tree Servicing has refused to assist in any manner to offer solutions or work with us regarding our home. We just continue to get threatening letters from them that since we have refused to complete all documents or the short sale will not be processed the new auction date is ... ..
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-13

MN

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Good Day : I received a letter today asking if I had any complaints about your service or the way this loan has been treated. First of all - this was over 10 years ago. I did try to short sale the property. You denied taking the money. Not Green Tree but XXXX, XXXX, XXXX now yourselves are trying to do something. You can attempt to collect this debt all day long but KNOW that you will not receive one dime. You denied taking the money first off - you sold it at the sheriff sale for MUCH more then it was worth - over {$210000.00} - so you received money from your insurance division for the difference, then you sold it for {$190000.00} so your establishment made more money then this debt was to begin with ... so why continue to try to collect when you made too much money??? Funny how you banks were bailed out taking all of our hard earned money to support your rich habits. All banks make so much money it is crazy - thats all you see these days new banks everywhere. You should have never been bailed out by our government. Our government should be abolished so us Americans can live. Land of the Free - with all these banks taking advantage of every American up until 2 years ago - where loan officers could do anything in their power to rip off innocent people and continue to do so - but at least not they are regulated it still is a scary deal. As you can see I am XXXX - I did purchase properties but had no clue that these loans were fraudulent until after the fact!!! Title could not explain the type of loan that was in writing. Interest only loan - XXXX with a cap - but XXXX did not see the mortgage documentation or the note attached. There was a cap but they continued to raise the interest rate - EVEN when the interest rate was not raising!!! How is this right?? Banks continue to try to modify loans WITHOUT a loan officers license ... SCARY!!!!!! the CEOs of many banks took our money from the government and ran away. Funny how that worked. Anyway - YES I HAVE COMPLAINTS about how all mortgages were handled back in the day of NO LIcensure for loan officers. Steal from the poor to give to the rich!! Thats our government!!! And it continues every single day of our lives. Politicians are all crooks and continue to be - NO COMMON SENSE OUT THERE AT ALL!! I see people from other countries coming here to AMERICA and receiving SOCIAL SECURITY benefits and have NEVER WORKED A DAY IN OUR COUNTRY. What the flip is that all about???? They get money handed to them BUT OUR AMERICANS have to fight for their money! Hard earned money that they contributed too and can not receive. Thats our government yet again taking advantage of Americans. Hungry children in our country get no assistance again because government sends our money to everyone else but US!!! Thats it for now - enjoy your day!! Share this email with everyone out there that needs to know how our government really is and no one will do anything about it!! SO SAD!!!! -- XXXX XXXX XXXX XXXX Office XXXX Fax XXXX Direct XXXX Cell " XXXX ''
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-13

Bartlett, IL

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-13

Nashville, TN

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: My name is XXXX XXXX I had a bankruptcy discharge all of my debt XXXX XXXX XXXX including a mortgage that I had initially took out with XXXX subsequent to that the loan was given to XXXX XXXX XXXX then ultimately to Greent Tree. Green tree contacted me inXXXX of XXXX asking if I wanted a loan modification they assured me that the had no intention of reporting any late payments to the credit bureaus because it was discharged, further ore I told them I would consider a loan modification subject to them sending me a letter stating such. They furthermore assured me that if I went thru the trial process and was approved upon me completing the trial period a new loan would be issued and any activity done as a result WOULD. Be reported to the credit bureaus. They even went as far as to say that since my modification was post bankruptcy there would be a new term date and it would be treated like a new loan. I just checked my credit report and there is no reporting of on time payments as promised, the new loan has a start date of XXXX XXXX XXXX final payoff XXXX XXXX XXXX. I contacted green tree this morning and was informed that this was not the case. They are refusing to stand behind their word that due to my bankruptcy being fully discharged the loan was considered new subsequently every payment I have made on my home is now NOT BEING REPORTED. They assured me by XXXX XXXX XXXX all my payments post XXXX XXXX XXXX would be reported to the credit agencies. Please assist me in making this bank do as they agree. Thank you XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Houston, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have a mortgage through Green Tree Servicing and two months ago, I entered in the wrong payment amount and my mortgage payment was short XXXX ( XXXX cents ). Green tree accepted that payment and then I noticed that they attempted to collect my mortgage payment again, for {$1300.00}. The second attempt to collect another mortgage payment did not go through and then I started receiving the phone calls. Green tree called me at least once per day, sometimes two or three times a day demanding full payment ( {$1300.00} ). They threatened everything from reporting me to the credit bureau to raising my rates. They were rude, aggressive and verbally abusive. I asked to speak to a supervisor and was yelled at by the " supervisor '' as well. When I asked to speak to a supervisor, I was told that I had to pay the {$1300.00} first, or that I could not be transferred. Keep in mind that they still had the {$1300.00}. When I told them that I would pay XXXX on the next bill I was told that they " did not accept partial payments ''. I finally found another telephone number and called in only to be sent straight through to the collections department again. This time, they wanted to speak with my bank. I refused to let them, and then they demanded access to my bank statements. Again, I refused. I told them repeatedly that they no longer had permission to call my phone ( cell phone I do not have a home phone ) and that any further correspondence would have to be via mail. This did not stop them. The harassment continued. After XXXX weeks, the calls finally stopped. I paid the extra XXXX on the next bill and I did not have any more trouble until, when this month, I sold the house. The closing date was on XX/XX/XXXX. My payment was due on XX/XX/XXXX. I called on Monday, XX/XX/XXXX to make sure the wire transfer went through and, again, was sent straight through to collections and was treated like a criminal and they would not tell me the balance on my escrow account until I made my XX/XX/XXXX payment. Even after explaining to XXXX different employees that the house had closed only Friday, they were rude and kept repeating, " you need to make a payment '', " why do n't you just make a payment '' " i 'm not going to ( transfer you, help you ) until you make a payment ''. This company should be closed down for good. I see that they have been fined. This, apparently, did nothing to deter them from illegal collection practices, obviously.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-12

Casselberry, FL

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-12

Franklin Lks, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-12

Alexandria, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-12

Las Vegas, NV

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

Cleveland, OH

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response