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 41
2018-12-24
Boston, MA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I was notified by my city that a property tax payment had not been made and that a fee and interest was being added. I contact the city who confirmed no payment was received. I notified Ditech that the city had not received payment, they made an additional payment, with both payments being paid from my escrow account. In the end two payments and a late penalty were deducted from my escrow and only one payment was applied to my property taxes.
I have contacted the company multiple times including a formal notice of error, and never received a final response regarding the missing payment. They also have not provided any information to myself or the city about a check number or receipt for the payment they claim they made.
Events : 1 ) XX/XX/XXXX Deduction appears in escrow account for 4th Quarter bill ( {$710.00} due XX/XX/XXXX ) 2 ) XX/XX/XXXX Receipt of real estate demand from City of XXXXXXXX for {$740.00} ( outstanding bill plus additional fee and taxes ) 3 ) XX/XX/XXXX Correspondence sent to Ditech informing of unpaid taxes and demand letter 4 ) XX/XX/XXXX Ditech responds claiming payment was made XX/XX/XXXX 5 ) XX/XX/XXXX City of XXXXXXXX Treasurer confirms via email that no payment was received on XX/XX/XXXX or since 6 ) XX/XX/XXXX Call to Ditech speaking to Taxes & Insurance department. Ditech Representative confirms there were issues transmitting the payment, confirms I am not responsible for fees and interest on outstanding bill, and schedules payment on outstanding bill and taxes and fees.
7 ) XX/XX/XXXX payment of {$760.00} posts as being made from my escrow in addition to XX/XX/XXXX deduction from my escrow.
8 ) XX/XX/XXXX Formal Notice of Error filed with Ditech, Ditech receives complaint ( XX/XX/XXXX ) with response expected within 30 days 9 ) XXXX/XXXX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 10 ) XX/XX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 11 ) XX/XX/XXXX Loan servicing is transferred from Ditech to XXXX XXXX 11 ) XX/XX/XXXX Ditech response saying they made payments but need to confirm with the city, and I will be notified when the investigation is completed with a response 12 ) XXXX contacted Ditech and was always told I should receive a response 13 ) XX/XX/XXXX contacted Ditech and was told they had responded, but could not proved me information about the response. Told me to contact new servicing company 14 ) XX/XX/XXXX contacted new servicing company whom never responded
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2018-12-21
Jasper, AL
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2018-12-21
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-20
IL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Even though we missed a payment in XXXX we have worked our way back to paying by the month. The mortgage company has indicated of foreclosure because the representative is complaining we haven't paid by the XXXX of the month. We told the representative it would be paid by the end of the month. As I mentioned we pay by the month. I am XXXX and unable to work and get paid on certain days and that can't be changed. Now the company Ditech has hired a 3rd party agency who drops off a blank envelope to hang on my door. Ditch had done this to us before and we have warned them not to do this. Number 1 it is illegal and harassing by law for a 3rd party to deliver more than once. Number 2 leaving something hang on the door attracts thieves to a person gone from the premises. I've sent a warning to Ditech to share with this agency that he will be arrested by the Sheriffs Office for harassment. Our payment record will show we often pay more than required to offset the escrow from the loan. This action against a U.S. citizen with XXXX is inappropriate and shows you where we are as a society.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-12-20
Milwaukee, WI
Trouble during payment process
Mortgage: VA mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2018-12-20
Dayton, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2018-12-19
Keytesville, MO
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-12-19
Converse, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-19
VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XX/XX/XXXX, my ex-husband and I had a sun room added to our first home. The original loan documents were place with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Minnesota XXXX for approximately {$32000.00}. This loan was then bought out by Green Tree XXXX XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. On XX/XX/XXXX, Green Tree Mortgage merged with Ditech, which is my current lien holder. After placing several calls requesting a copy of my entire payment history, XXXX, customer service representative, advised me this request will have to be submitted via email. On XX/XX/XXXX, an attempt via email was made to obtain a copy of my payment history beginning with origination date to present, which has not been received as of date.The original loan amount was approximately {$32000.00}, with monthly payments being {$410.00}, my payment being made in XX/XX/XXXX, which I continue to pay as of present. I currently send this company {$200.00} bi-weekly which are paid through my bank via my pay. I can't seem to understand how I have paid this debt for 18 years and still have a remaining balance of {$27000.00}. I have paid off the home which was roughly {$64000.00}, paid off a brand new car which was roughly {$24000.00} since taking out this loan and still owe pretty much the same amount of monies that were initially financed. This can not be, this finance company is fraudulently taking my money by adding astronomical interest to this loan. Ditech is making false representations about amounts owed as I do not owe the above stated amount. According to the loan statement, my current interest rate is 14.999 % with only {$70.00} being place toward the principal of this loan. At this rate, this loan will never be paid off, despite already paying {$90000.00} which is triple the amount borrowed for a {$32000.00} sun room. Please assist me with getting some type of resolution and/or relief from this debt. The practices of Greentree and Ditech are unfair, unjust, unethical and predatory. As evidence of the origination amount, amount of years I have been paying on this loan and remaining balance, I am a victim of predatory lending! At conception of this loan, we were prayed upon as a young couple purchasing our first home and were deceived into predatory practices.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-12-19
Amelia City, FL
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-12-19
Charlotte, NC
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-19
Santa Rsa Bch, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: As a result of a disaster in which I lost the use of my home, I submitted a claim to my insurance company. I also called my mortgage company Ditech at the same time ( XX/XX/XXXX ) to make sure my claim was handled in a timely manner. It took two months for my insurance company to release a payment for damages at which time I immediately called my mortgage company ( XX/XX/XXXX ) to get them all the information they requested. They informed me that it would take approximately 16 business days from the day they physically received my information ( XX/XX/XXXX ) to release the insurance check. I explained that they had all the documents, costs were incurred and some work has already been done, and I am living in a camper behind my house and they had all the documents to release funds. I got the same standard answer. No deferment of mortgage payment or any solution. Just that they are overwhelmed with the amount of disaster claims across the country right now and there is nothing else they can do and I'll just have to wait ( XX/XX/XXXX ). I can imagine that this is where mortgages fail and foreclosures happen. I asked if the company had or is developing any expedited processes or hiring more claims processors to help and short answer was no, it will just take that long and I'll just have to wait. If the insurance has gone through the process and the homeowner is entitled to the money, the mortgage company should not delay the process. I understand it is an asset for them, but it is a hardship to all of their customers that they are ill-equipped to handle this process.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-19
AL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It Mat Concern, I have appealed a credit decision based on extenuating circumstances. I have made efforts to speak with a bankruptcy attorney which was not the best course of action for my family. I later made consultation with the XXXX XXXX XXXX of XXXX XXXX, XXXX ( XXXX ). I spoke with a counselor at XXXX on XX/XX/XXXX, who provided me information and guidance in making contact with Ditech with my permission. On that same day I informed Ditech that I will be represented by XXXX, which is a housing program. Both the counselor and I spoke with a supervisor who informed us to send written notification of what action I will be taking to settle this debt. I also informed Ditech that I was no longer living in the home because I was told by one of the representatives if I was not able to catch up my payments and surrendering the property was In my favor I had 30 days to vacate the premises. I initially put in a written correspondence on XX/XX/XXXX and faxed it to Ditech requesting a settlement offer to Ditech which is the borrower in question. In my settlement letter I agreed to allow a third party to enter into the home to appraise the home only with myself being present. XXXX XXXX XXXX entered into the property by breaking all secured locks and triggering off the alarm system. I later informed Ditech that my rights were violated and I will be pursuing legal representation. I have made attempts to personally contact Ditech in which my calls have not been answered. I have either been transferred to a voicemail or bounced around the system. I returned back to XXXX for further guidance. The counselor at XXXX and I have made several attempts to contact Ditech in which our calls were not taken. On XX/XX/XXXX, it was suggested by the counselor that I submit a letter requesting Ditech to respond to my initial letter. The letter was typed and faxed to Ditech. I have received a letter post marked XX/XX/XXXX informing me to give Ditech 30 days to respond to my written request. Ditech has not since contacted me in reference to the initial settle request. I have made efforts to contact Ditech to resolve this matter and still my calls are unanswered. I have a future appointment with XXXX. I can forward all correspondence that I have submitted to the borrower making attempts to clear all debts. However, I have made ongoing efforts to contact Ditech personally by phone or fax. I have been informed by XXXX to contact the consumer finance protection bureau ( CFPB ). I have not been able to make payments due to family hardship. Since my initial letter Ditech has been reporting to all credit bureaus. Follow the link belowhttps : //www.consumerfinance.gov/complaint/. My last option will be to surrender the property.
Sincerely, XXXX XXXX
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2018-12-18
East Hanover, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-18
Scranton, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-12-18
NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I have a mortgage with Ditech. Although our taxes did not go up and according to our tax collector we are paid up, the escrow was raised by nearly XXXX a month more making our escrow amount XXXX per month. There is no reason as to why it went up by that much. I called Ditech and spoke to the escrow dept. and they had no explanation except she said oh well that is what it is. Please help us because this amount is unaffordable to us making us behind. XXXX XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-12-18
Noxapater, MS
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-18
Reno, NV
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-18
Coopers, LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-18
Key Biscayne, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My property sustained damages during Hurricane Irma in XX/XX/XXXX. XXXX XXXX XXXX XXXX finally paid the claim in XX/XX/XXXX. Ditech received the endorsed check on XX/XX/XXXX, per overnight courier. That check was in the total amount of {$120000.00}. There was a previous amount in the escrow of {$19000.00}. That was paid on XX/XX/XXXX. They sent a check in the amount of {$2100.00}, on XX/XX/XXXX Today XX/XX/XXXX, they have not released any other funds, in spite they have had all the paperwork uploaded to their website as directed. The payment included roof replacement and other repairs to the structure of my property, however, there are payments included that are not related to the repairs of the home, like pack out, move, personal property etc. Those funds should have been disbursed to me immediately as they have nothing to do with the actual repairs, and it is my money that they are floating. It is beyond abusive. It is illegal.
In the website under my account, the escrow, shows all the deposits, but a XXXX balance. Needless to say, I am very concerned. Ditech came out of Chapter XXXX in XX/XX/XXXX, and was delisted from XXXX on XX/XX/XXXX. I have no protection whatsoever on my money, which they are holding illegally.
Every time I talk to them the result is the same ... .they take 14 days to process, etc. I am frustrated and angry. I have a perfect payment history with these people. They are not a bank, the mortgage is actually owned by XXXX XXXX, they only service the account and that does not or should not give them the right to hold unto any monies whatsoever. This has to change, as I know I am not the only one in this situation. Perhaps we need a class action law suit!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-18
Bayonne, NJ
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2018-12-17
Bellaire, TX
Struggling to pay mortgage
Mortgage: VA mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-12-17
Higgins, MS
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My home is in foreclosure and in order to get help I need a statement from my finance company in which I've been unable to get and my finance company say they are unable to provide. I haven't received a statement since XX/XX/2018. And I need this to get help with the foreclosure.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2018-12-17
SC
Trouble during payment process
Mortgage: VA mortgage
Complaint: Our mortgage is with Ditech and includes an impound account. We received a Cancellation Notice from XXXX XXXX stating that payment had not been received. I contacted XXXX around XX/XX/XXXX and they informed me they had changed underwriters for our policy and they would promptly generate a new bill to send to Ditech. Ditech sent me another letter XX/XX/XXXX stating payment not paid. Again I called XXXX and they said the billing had been sent.
Ditech has a balance of {$1900.00} in our impound account ; they owe XXXX {$1200.00}.
They should be communicating with each other, not me. I am obligated to pay into an Escrow/impound account for the first five years of this account of which I have no control.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-17
Traver, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I HAVE A DITECH LOAN IN MY NAME ACCOUNT NUMBER XXXX BALANCE IS XXXX.
IM DISPUTING THIS ACCOUNT BECAUSE I WAS PROMISED THIS ACCOUNT WAS SUPPOSE TO BE DELETED FROM CREDTI REPORT, AND DITECH PROMISED ME.
PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation