Ditech Financial LLC

2015-05-07

NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In XXXX XXXX I contacted the Consumer Financial Protection bureau concerning the problems I had experienced trying to qualify for the HARP program thur GreenTree my mortgage servicer. ( exhibit XXXX & XXXX ) For over 6 months I provided all the paperwork requested in order to modify my XXXX loan. I was denied because I could not prove a hardship ( exhibit XXXX ) and was instructed to try again where I supplied a hardship letter on XXXX XXXX, XXXX ( exhibit XXXX ). On XXXX XXXX GreeTree pulled my credit ( exhibit XXXX ), and was then denied because I had a perfect payment history on my mortgage with them and to qualify for HAMP you need to be delinquent on your mortgage ( exhibit XXXX ). I knew I was not dealing with brain surgeons but since GreenTree was/is the servicer of my loan and had the mortgage history they would see that there were no late payments. Why would you waste over 6 months of paperwork, phone calls not to mention playing with people 's finances and emotions when they KNEW I did not qualify? They then suggested the HAPR program but the rate and fees they quoted were higher than I felt they should be. I entered into a HAPR application with Prospect Mortgage, XXXX XXXX, ( XXXX ) and was hopeful that I would be able to finally reduce my rate and be done with GreeTree. To my surprise and disappointment GreenTree who denied me a HAMP modification because I had a perfect payment history was now reporting that I was 30 days late in XXXX, XXXX ( exhibit XXXX ). When I became aware of this I immediately contacted GreenTree and they said that I had no late payments and proved me a credit reference Inquiry on XXXX XXXX, XXXX ( exhibitXXXX ). I also requested a balance be reported and was sent response dated XXXX XXXX, XXXX ( exhibit XXXX ). My attorney prepared a response ( exhibit XXXX ) but per letter XXXX XXXX, XXXX ( exhibit XXXX ) GreenTree refuses to report said balance. However, GreenTree had no problem to continue to report false information ( lates ) on credit report dated XXXX XXXX, XXXX ( exhibit XXXX ) which is 6 weeks after they provided me information matching my records that there has never been a late mortgage payment. Over the next 5 months GreenTree provided XXXX documents confirming NO late payments ( exhibit XXXX ) yet on XXXX XXXX, XXXX GreenTree reported that I was delinquent in XXXX XXXX ( exhibit XXXX ) and the same false information was reported on XXXX XXXX, XXXX ( exhibit XXXX ). GreenTree 's deliberate negligent actions are preventing me from refinancing a XXXX loan at 6.125 % rate to a much lower prevailing rate which would enable me to continue to live in my home without worry.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-07

NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: In XX/XX/XXXX my mortage with XXXX was transferred to Greentree. Starting late in XX/XX/XXXX I was almost forced on a modification by Greentree. I denied the modification and was harassed and called repeatedly by Greentree servicing agents. I almost lost my home due to the XXXX. I was called XXXX times in XXXX day alone the end of XX/XX/XXXX about a past due payment. I would like to be included in the class action settlement so could you please give me some information about how to go about that. To this day I am paying an additional {$3.00} for a " servicing fee '' on my bill which they have not yet explained.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-05-07

MI

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I received an alert on my experian report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XX/XX/XXXX green tree bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. Green tree servicing are know for illegal actions such as this XXXX. I have enclosed a copy of an experian report dated XXXX XXXX XXXX that shows the original creditor XXXX XXXX account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with green tree servicing on my experian as of XXXX XXXX XXXX with this expired debt. The date opened is the same XX/XX/XXXX. This debt is expired and should not be on my report. XXXX has been deleted from all three credit bureau since XX/XX/XXXX. Green tree have purchased and expired debt.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-07

Louisville, KY

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: My loan was transferred from XXXX XXXX XXXX XXXX Green Tree Services. Green Tree Services demanded that I pay the loan off in full, there were no other options. I explained to them that I had lost my job and I was working again, however I could n't pay out $ XXXX. The representatives were extremely rude and began threatening me. I told them my house was 'under water ' and there was no equity in my home. They said they would just charge the loan off and then hire someone to sue me. They advised that one way or another they would get their money. They began calling friends and family members as well. My mother said someone from Green Tree was extremely rude and indicated that I may lose my home. Green Tree also contacted my employer and indicated that I was behind on a mortgage. They never offered anything accept pay us or else. I am worried to death over this. I have XXXX small children and cant lose my home. Green Tree Recently charged off my 2nd mortgage. According to them the next step is to take me to court to file a judgment against me and garnish my wages. I cant afford to have my wages garnished for a 2nd mortgage that has no equity. Please help me. Please save my family.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-07

Boston, MA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

N Andover, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-06

W Linn, OR

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-06

Gloucester City, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-06

Key Biscayne, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Green Tree modified my XXXX FHA loan. My XXXX mortgage statement reflects an increase of my monthly payment {$140.00} of " Total Fees & Charges. Upon my inquire, Green Tree tells me these are " legal corporate advances ''. I told them nowhere on the permanent modified mortgage is their language to these fees. Green Tree tells me I have to pay them for the next few years.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Jacksonville, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Failure of servicer to follow instructions outlined in BK confirmation hearing on XXXX XXXX, 2013 for property to be deeded back to investor.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Galena, OH

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: On XXXX XXXX, 2015 a collector XXXX XXXX XXXX from green Tree Servicing called and I did a SpeedPay payment with her in the amount of {$990.00} plus the {$12.00} Fee. On XXXX XXXX, 2015 the same collector XXXX XXXX XXXX called back at XXXX stating that she made a mistake and the payment was incorrectly applied to my other mortgage account. She stated that her supervisor XXXX XXXX XXXX cancelled the payment from XXXX and that she needed another SpeedPay payment from me. I was leery of doing this but since she said the previous payment was cancelled I went ahead. The next day XXXX/XXXX/2015 XXXX payments in the amount of {$990.00} plus XXXX {$12.00} fees were taken from my XXXX bank account. I called XXXX and she said her supervisor XXXX XXXX XXXX did n't do her job and transferred me to XXXX. XXXX said that she would have the incorrectly applied payment back in my XXXX bank account within XXXX hours plus the {$12.00} SpeedPay fee. I called XXXX on XXXX and XXXX and left voice messages with no response from her. I also called customer service on XXXX and XXXX and they said they would send an email to XXXX and XXXX in collections. As of today XXXX/XXXX/2015 the payment has not been refunded to me and according to Green Tree Customer Service no refund has been processed. I was able to reach XXXX and XXXX today XXXX and was told by XXXX that the refund had been processed.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-06

Galena, OH

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: In a letter dated XXXX XXXX, 2015 Green Tree Servicing sent a letter to me stating the following : " ... we have started to take the necessary steps required by law to gain possession of the creditor 's collateral ''. The issue is this : As of the date of that letter ( XXXX XXXX 2015 ) the loan was only 8 days past due, they had a future payment on file for me for the month of XXXX 2015 and all of this was verified and confirmed with their customer service representative on XXXX XXXX, 2015. I find this overly threatening and an unnecessary aggressive collection tactic. I find this type of harassment unnecessary and worrisome and would like for some assistance with this matter to stop these threats.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Long Beach, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Green tree demands that I pay XXXX XXXX to get my payment to them every month.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Blackbird, DE

False statements or representation

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

Attempted to collect wrong amount
Complaint: Your options do not provide the option in this instance. Greentree is improperly reporting my debt to the credit bureaus. I have disputed the date of last activity on the account and they continue to report it. In the attached letter they accuse me of trying to change their reporting to the bureaus. They go on to state that they " make every attempt to ensure the information reported to the bureaus is accurate and correct. But just looking at the trade line ( attached ) you can see that they reported the item in XXXX of 2014 but list the Date of Last Activity as XXXX of 2014. It is impossible for Greentree to list payment activity for the month FOLLOWING the report date. If anyone is trying to manipulate dates, it is Greentree. By continually advancing the date of last activity, they are pushing the obsolescence date forward to keep this debt on my credit report indefinitely. The Fair Credit Reporting Act. Section 611 ( a ) ( 5 ) ( A ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. I have correctly disputed this obvious error and the bureaus have left it on the file ... subsequently Greentree sent this letter stating that they make every effort to assure that their reporting is correct and therefore have the ability to predict future activity.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage company ( greentree services ) has been ripping us off. We bought our home in XX/XX/1999 at {$55000.00} with a 6.5 interest rate and 30yrs. They say we still owe {$44000.00}. When we looked at our account on their website it clearly shows they are charging us a 10 % finance charge. Our monthly mortgage is {$560.00}. {$310.00} go to interest fee and {$110.00} go towards our payment. Now I 'm not the smartest person but I do know that this is not right. What can we do because after living in the home for 15+ years they 're saying we still owe {$44000.00}. Please help us
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Rosenhayn, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-05

Kendall, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Morgan Hill, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Portland, OR

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Three Bridges, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I had a modification by XXXX XXXX XXXX in XX/XX/XXXX after 2 years they increased payment by {$100.00} then {$200.00}, I thought it was escrow issue but then i noticed nothing changed and filed a dispute with XXXX and they lowered my mortgage back to the agreed amount. After this they sold loan to Green tree. Green tree began to state i was behind on the morgage every date they provided i gave them proof of payment. With this they still sent me letters that i am going into forclosure. Recently they sent me a modification for a higher intrest rate and threatened me with foreclosure if i didnt sign, i refuse to sign because again every date they said payment was missing i gave them documentation it was paid.Also the modification payment would increase by about {$800.00} from {$2300.00} to {$3200.00}. They refused to accept my XX/XX/XXXX payment at first and accepted it ( XX/XX/XXXX ) they but stated next month they would charge me {$300.00} dollars more and they would still proceed with forclosure.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-05

ME

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: My name is XXXX XXXX. Greentree Lending/XXXX XXXX XXXX XXXX are currently forclosing on my mortgage. Before I had this lender I was with XXXX XXXX XXXX for 2 years. With the help of EHLP I paid my mortgage on time every month for 2 years. XXXX 2015 : End of EHLP assistance. I contacted XXXX XXXX XXXX to apply for a making home affordable modification. I sent in required documents and waited. XXXX 2015 : I received a letter from XXXX that they sold my loan to Greentree and that Greentree would be picking up where they left off with my modification. XXXX 2015 - XXXX 2015 : I heard nothing. Not a bill, no follow up on my modification, nothing. XXXX 2015 : I received a bill for XXXX to XXXX mortgage payments from greentree. I notified Greentree that they were supposed to be working on a modification for me and they told me they had no record of it so I applied for another through them. XXXX 2015 - roughly XXXX 2015 : I received a request for additional paperwork. I mailed in the additional paperwork and no word. XXXX 2015 : I received a letter saying they did not get paperwork they requested so I was denied a modification. I notified them I wanted to re-file. XXXX 2015 : Greentree lending Began the process of foreclosing on my home. Went to a mediation and got the assistance of a housing counselor. Applied with her help for another modification. Surprise! This time they gave me an offer for a mod however I was not able to get a XXXX XXXX because now I owed too much of a back bill to qualify for the hamp XXXX XXXX a month payment. They offered me a hamp XXXX mod for XXXX per month which is XXXX whole dollars less than what I can pay now. I appealed without the help of my counselor. They responded after my 30 day trial with a denial letter. XXXX 2015 : Went to another mediation without my housing counselor. I told them I could not afford XXXX per month and they refused to negotiate with me further to help me save my home. They stressed a quick sale.About XXXX weeks later I received foreclosure paperwork in the mail. If Greentree had n't dropped the bomb to begin with on my original request for modification I never would have been denied a hamp XXXX modification! I feel like they are trying to forclose on me and make a quick dollar. I have XXXX kids XXXX dogs and XXXX cats. Where are we supposed to do. They wont even negotiate and it was n't my fault they never picked up the paperwork from XXXX XXXX XXXX!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-05

Ernul, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-05

Waupun, WI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Northside, NC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

West Salisbury, VT

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response