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 43
2018-12-07
Wann, OK
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ditech has held XXXX for 6 months and keeps telling me they mailed a check 30 to 45 days ago i call its a different story everyone i talk to, they mailed it has been lost, then they tell me they will wire transfer it then it got mailed, or lost in the mail .it was in there system till XX/XX/2018, i was told it was mailed on XX/XX/2018. i have called and called they do nothing but tell me it has been mailed or lost in the mail, they can send my statements for making payments but cant return my money they owe me, Account XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-06
San Diego, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On XX/XX/18 my home sold which was financed through Ditech. I had an escrow account set up with my home loan to pay for property taxes and home insurance. Upon closing on XX/XX/18 I was due a refund of {$2300.00} from Ditech. I have called their customer service number several times as I have never received the refund. I wrote down the following dates that I have called in regards to this matter ( there may be more before I began to keep track ) : XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. Each time I have called I have verified my correct address and been told they will research the matter, stop payment on any checks that may have been mailed previously, and send another check. On XX/XX/18 I was told I would receive payment within 10 business days and was told to call back on XX/XX/18 if I had not received payment. I was traveling on that date, so I made sure payment hadnt been received while I was away and called upon returning home on XX/XX/18. On this date I was told there would be a supervisor review performed and I should hear back from them within 3 days. If not, I am to contact them again on XX/XX/18. I am concerned as every time I call I am told a check will be sent promptly and it has now been over 4 months. I have not been told if a check has ever been sent at all or if the matter is still in processing waiting to be sent out. I am hoping to get this matter resolved ASAP. Thank you for your help.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2018-12-06
DE
Incorrect information on your report
Mortgage: Conventional home mortgage
Complaint: Ditech provided a modified loan payment program ( attached ) starting in XX/XX/2017. The payment schedule is in the attached. I made all of these payments on time during that program and yet they showed my account late in every single month ... they even accelerated the delinquency all the way up to 90 days. I disputed this with the credit bureaus and they left the status and historical payment information the same.
Section 623 of the Fair Credit Reporting Act provides that data furnishers ( Ditech ) have the same responsibilities under this law as credit bureaus. Ditech is reporting something they know to be incorrect by listing this delinquency during these months.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2018-12-06
WI
Trouble during payment process
Mortgage: VA mortgage
Complaint: I have a VA loan which is serviced by Ditech. The Investor is XXXX XXXX.
I am having trouble with the AutoPay service that Ditech is providing for the servicing on my mortgage loan. I have contacted Ditech twice about the issue with no resolution. I looked at the XXXX XXXX website, but I did not see an area where I could file a complaint with them.
On Saturday, XX/XX/2018, I checked my online banking and noticed that my AutoPay mortgage payment to Ditech was pending in my checking account. The mortgage payment was due on Monday, XX/XX/2018. On Sunday, XXXX XXXX, I sent to Ditech the following message : " Why was my mortgage payment debited from my account on Saturday, XXXX XXXX when Monday, XXXX XXXX is a banking day and the actual agreed payment day for the mortgage? '' I received the following message back from Ditech 30 days later : " This letter is in response to your correspondence received by Ditech regarding the above-referenced account number.
We apologize for the delay in our response. Your payment in the amount of {$1600.00} for the XX/XX/2018 due date was received on XX/XX/2018. There was no other payment debited on XX/XX/2018.
Please be advised, the automatic payment program does not debit on weekends or holidays. As of the date of this correspondence, the account is next due for the XX/XX/2018 due date in the amount of {$1400.00}. '' I was not satisfied with this answer from Ditech because I did not feel that they took my complaint seriously and adequately investigated my complaint. From the response sent to me, it looks like all Ditech did was check my payment history to see when they received the mortgage payment. They did not check when they REQUESTED the mortgage payment. I purposely made my complaint vague because I wanted to see what Ditech would say.
I sent a second message to Ditech to address my concerns. It said the following : " This is in response to my previous complaint. It was not sufficiently handled by the previous person since they did not understand how Ditechs auto bill pay system works. The person who handled the complaint was correct in saying that my mortgage payment was RECEIVED on Monday, XXXX XXXX ; however, in order for Ditech to have RECEIVED the payment on the XXXX, Ditech had to debit my account on Saturday, XXXX XXXX. You are using an ACH Direct transfer to debit the funds from my account and it takes ONE BUSINESS DAY to clear the Federal Reserve or a Clearing House. As a result I did not have access to my funds for two whole calendar days since the ACH was pending in my checking account till Monday, XXXX XXXX. This presents the opportunity for Ditechs early debit to OVERDRAW my account since I am expecting Ditech to debit my account on the XXXX. If the agreed payment date is the XXXX, then the ACH Direct Transfer should be sent by Ditech on the XXXX or the next business day if the first falls on a weekend or a holiday. It should not be done EARLY. This could be construed as an Unfair or Deceptive Act or Practice ( UDAP ). Also, this was reported to the Credit Reporting Agencies that I was disputing this account? I am not disputing the account ; I am disputing your auto bill pay procedures. Thank you, XXXX XXXX '' As my second message to Ditech states, I am concerned that Ditech 's AutoPay procedures present the opportunity for my checking account to be overdrawn because Ditech is sending the ACH Direct transfer to debit the funds from my account earlier then the agreed payment date. A reasonable consumer would expect there loan payment to be debited from there account on Monday, XXXX XXXX, not two days earlier. If the agreed payment date is the XXXX, then the ACH Direct Transfer should be sent by Ditech on the XXXX or the next business day if the first falls on a weekend or a holiday.
I definitely feel that Ditech 's AutoPay procedures could be construed as an Unfair or Deceptive Act or Practice ( UDAP ).
These AutoPay procedures can cause or is likely to cause substantial injury to consumers due to potential overdraft issues.
This is an unfair practice because a consumer could not be expected to avoid this injury because a reasonable consumer would expect a mortgage payment to be debited on the agreed date. Not two days earlier than agreed. The bank 's Monthly AutoPay Application does not state that it is the bank 's practice to debit an account two days early if the due date is on a Monday. This information was withheld that prevents a consumer from making an informed choice.
There is no countervailing benefits to consumers for debiting a consumer 's account earlier than agreed to.
Ditech 's disclosures mislead or is likely to mislead because it omits information needed to prevent a consumer from it's account overdrawn.
A reasonable consumer would expect a mortgage payment to be debited on the agreed date. Not two days earlier than agreed.
Ditech 's AutoPay practices are material because it is likely to affect a choice, it relates to costs ( Overdraw Fees ), and the Omitted information is necessary to make a rational decision regarding the AutoPay service.
Attached to this message are the messages received from Ditech and the AutoPay Application.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-06
PA
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-05
Bedford, TX
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: Our mortgage was with Ditech and was sold in XX/XX/2016. We are attempting to purchase a new home and Ditech is reporting that our home was settled for less than amount owed. This is preventing me from purchasing a new home. Attached is the HUD-1 for the sale of the home, Letter from Ditech that states " PAID in Full '' and letter from XXXX XXXX XXXX , XXXX that indicates " paid in full ''
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-04
Eagle Mountain, UT
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ditech claims the last payment we sent was on XX/XX/2018. Because of this, they are defaulting the loan, and trying to foreclose on the home.
We pay using our bank 's billpay service. According to my bank records, we have sent in three payments since then. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ditech is not attempting to process or cash these payments sent to them.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-04
OK
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: We have lived in our home for 17 years. We've had financial problems in the past, and did a few modifications over the years. Nothing was done about lowering our 9.125 % interest rate, until XX/XX/XXXX. It was lowered to 8.125 %. That made our Mortgage Payments go up by {$100.00} dollars, and stretched our loan to 51 years! We were waiting for my wife to be approved for XXXX, and she was approved in XX/XX/XXXX. Which will allow us to make our mortgage payments. We have a XXXX XXXX RESPA Loan, and we've had several mortgage servicing companies. The latest being DITECH. They have only hurt us when asking for lower interest rate, and adding our past due to the end of our mortgage. We needed help, not hurting us by, NOT lowering our interest rate. And adding large sums of money to the end of our mortgage.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-12-04
Cleveland, TN
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
2018-12-04
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2018-12-04
Navasota, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-03
Arnold Line, MS
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-12-03
Bendale, SC
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2018-12-03
Atl, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-12-03
Clermont, FL
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
2018-12-02
OR
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Previous complaints have been settled with my mortgage company ( Ditech ) They canceled the {$210.00} additional forced flood insurance policy after realizing I had already taken care of the additional coverage they requested with my own flood insurance company ( XXXX XXXX XXXX XXXX ). They did say my escrow account has a shortage of around 70 something dollars and in the past they have given me the option of paying it and I do that in order to keep my monthly payments from going way up. Thanks for your time and help because it seemed no one was listening to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-02
IL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Despite many attempts to communicate with lender ( via phone and mail ) I'm under impression that I'm a victim of predatory loan practices. For example : Payments continuously applied towards suspense to avoid correct principal applications.
I was requesting account audit - no response.
Communication with lender are pointless they are not fulfilled. It seams like customer service is to aggravate and in no way to help. It discourage you to communicate.
Creating escrows where Lender is breaching a mortgage note.
Mislead ( requiring flood insurance costing in excess of XXXX which was not required as determined by FEMA ).
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2018-12-01
OR
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Follow up to my complaint # XXXX XXXX. My complaint continues against my Mortgage Company Ditech Financial. Today XXXX I got two notices in the mail from Ditech. One says the flood insurance increase they requested has been met. The other says starting XX/XX/XXXX my house payment is going up from {$730.00} to {$810.00} to pay for the increase because they are mistakenly charging me {$210.00} for the flood insurance increase that I already purchased through my flood insurance company called XXXX XXXX XXXX. I paid XXXX at XXXX {$31.00} from my credit card on XXXX. The policy was due to expire on XXXX. I have no idea why she waited that long. My attempts to solve this issue started in XXXX and XXXX when Ditech informed me that a flood insurance increase was needed. I didnt ignore those letters as Ditech accused me of doing. I have sent at least 10 emails and made a half dozen phone calls trying to solve this issue to no avail. Thats why I need your help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-01
LA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I called Ditech about 1 month ago.
I told them that I wanted to drop my Private Mortgage Insurance ( PMI ).
They wanted me to Write Them A Letter.
They will not talk to me about this on the Phone.
They finally gave me an email address that I could send them an email.
I emailed them my information and told them I wanted to drop the PMI. ( you can do this after you have had the loan for 2 years ). I have had the loan for 3 years.
They denied my cancellation due to the fact that I did not send them a Authorization For Appraisal.
It has taken 2 weeks for me to be denied be cause I did not send them a Aurthorization For Appraisal. ( I had no idea that I needed a Authorization For Appraisal Form and no idea of where to get one ).
My complaint is this : We live in the 21st century. Every other department that Ditech XXXX has, you can talk to a representative.
However, to drop your PMI, you have to use Stone Age communication. They do not freely give out an email address to the PMI department. You have to threaten to contact the Insurance commision or the Federal Trade Commission to get an Email Address. They should be made to have a phone number for the PMI department and personnel experience with PMI answering that Phone Number.
I have sent the Authorization For Appraisal Form to them by Fax and mailed a letter to an address in South Dakota that they gave me and I did get an email address from a lady at Ditech, but I am not sure if the email address is actually to the PMI department.
This is unfair to the consumer : If you want to pay them money, they will gladly give you a hotline to call, but, when they legally have to allow you to drop PMI after 2 years if you owe less than 80 percent of the loan. They will Not talk to you on the phone. They make it very difficult to communicate with them about removing PMI from your Loan.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-11-30
AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ditech is holding {$160000.00} of the insurance companies money. It belongs to me and to my contractor so he can repair my home from a fire that occurred in XX/XX/2018. Ditech has had the money for months which they insist I sign and endorse my part of the check so they could cash it. Now they are keeping it and won't give it to my contractor who has been paying for everything since XX/XX/XXXX. How is this allowed to happen. Ditech is the worst mortgage company on the planet and nothing is ever done about it. Why? I have filed other complaints on them and they are not required to respond and they just go on providing pathetic service, keeping money that doesn't belong to them, and they also don't allow you to pay additional monies prior to the due date online on their website without displaying incorrect loan information. Now Ditech is holding up the process of rebuilding my home and I am almost out of additional living expense and I need to move back to my home asap. I hope someone can help. I also owe very little on my home, approximately XXXX and it is worth over XXXX. Why is Ditech holding onto money that doesn't belong to them when I own the vast majority of my home. Why are these rich companies allowed to take advantage of consumers on a daily basis? Just another example of what goes on in America with no consequence for their actions. I am forced to move the remaining loan balance to another lender immediately in an effort to get away from Ditech. In my personal opinion and experience I consider Ditech a predator. I will never have another mortgage in this lifetime. I am tired of not having any rights and be treated unfairly. It's very unsettling and disappointing. I thought America was better than that but maybe not ...
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-11-30
Grovetown, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-11-30
Keller, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-11-30
Arsenal, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: End of XX/XX/2018, my mortgage with XXXX was bought by Ditech.
XXXX sent a wire transfer on XX/XX/2018 - this Bulk Payment was check # XXXX in the amount of {$94000.00} of which {$1700.00} was to be applied to my Ditech Mortage account. Ditech did cash the {$94000.00} but didn't apply the funds to my mortgage account.
On XXXX I established with Ditech a 'missing payment and verbal dispute '. I was told by Ditech to call in 7 days.
On XXXX I called and Ditech said they didn't get the {$1700.00}.
On XXXX I called and the representative at Ditech said I need to send in by US Mail the proof of the wire transfer.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2018-11-30
West Brandywine, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: The purpose of this letter is to come to a resolution regarding account number -- -- -- --. Since the beginning of XX/XX/XXXX, we have been making regular payments to either Greentree or Ditech. Throughout this time up until Ditech stopped taking our payments in XXXX of this year our payments were on average two weeks early. We never missed a mortgage payment. In that time, we have had multiple mortgage modification changes, 41 phone calls ( between XX/XX/XXXX and XX/XX/XXXX ). Each phone call included my attorney on the phone call which was necessary to navigate the muddy waters of customer service, accountability problems and as legal counsel. This was expensive in and of itself but my time away from work was even more costly. During the YEARS we struggled to correct Ditechs mistakes, our lives were disrupted and our time and money squandered. We were embarrassed by multiple foreclosure notices including a sheriffs foreclosure notice delivery at my place of business ( in front of my patients and employees ). We also are the victims of incorrect credit reporting, and burdensome attorneys fees. In the end everything turned out to be Ditechs clerical mistakes and GROSS accountability problems. Ditech utilized entry level employees with no responsibility, accountability or authority. I was unable to contact or speak with the decision makers whose names were blatantly missing on all documents issued by Ditech. In all our phone calls we never spoke with an accountable person able to correct mistakes or clearly and confidently explain matters. This struggle lagged on and on. It is our opinion and position that mistakes need corrected. Our demand is simple. We are demanding that all late fees be removed, our personal credit amended, our attorney fees are paid, our account is credited the {$4000.00} minimum that your company owes from escrow surplus, a return of unapplied funds, and a solid commitment letter stating that we will never be the victims of exceedingly high and unfounded escrow fees again. I have calculated my time on said phone calls and I believe I am due reimbursement for my time out of the office. As I am a XXXX my hourly fee is {$350.00} per hour and I easily was on the phone for 40+ hours ( not including emails, documents etc. ). If our demands are met, we are more than willing to pay the arrears and continue paying our current monthly calculated payment which should be {$2100.00} See Exhibit 13
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2018-11-29
AL
Trouble during payment process
Mortgage: FHA mortgage
Complaint: In XX/XX/2018 as I was preparing to sell my house, I was reviewing my payment history on Ditech Financial and noticed that they had made an error in XX/XX/2018 they posted my mortgage payment twice on, and then reversed the duplicated payment that was posted in error on XX/XX/XXXX and then they then reversed the payment a second time on XX/XX/XXXX, when I called to inquire about this the representative first told me they had re-applied the second one on XX/XX/XXXX and he sent me a PDF showing this payment was in fact re-applied, what I found very odd was that the principal balance I could see online and the principal balance of this PDF they sent me was exactly the same. I questioned him on the fact that the math on the PDF that was sent did not add up and that the principal balance was exactly the same as what I see online without the reapplied payment. If in fact they did reapply that payment then there would be a significant difference in the principal balance. I was then told that it was a programming issue and that the computer system shows different information online as to what they have in the system, I informed him that I am a computer engineer and what he is saying sounds very suspicious. I asked to speak with a supervisor who also argued with me about this imaginary reapplied payment. The PDF that was sent to me was only available to view for 45 mins then it was removed from the system. I have since sold my house and probably can't recover the money that they have shorted me, however I am extremely concerned that they are possibly doing the same to other consumers
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation