Ditech Financial LLC

2019-09-24

Sherman Oaks, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-24

Key Biscayne, FL

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I have been given the runaround since XX/XX/XXXX by Ditech Financial in an attempt to cash an escrow check due to a recent payoff that was issued in my deceased mother 's name since she was the borrower on the account. My sister and I were added to this property via deed back in XXXX and when my mother passed in XXXX of XXXX, I was handling all affairs on loan. I never went through probate because my sister and I were added onto the deed with our mother. I initially called Ditech on XX/XX/XXXX and spoke with Customer Service explaining the escrow situation because my brother was in the process of refinancing our mother 's property. We were already given the payoff date of XX/XX/XXXX. I explained that the escrow check being issued under my late mother 's name would be a problem. The Customer Service agent explained that I would need to fax a copy of the death certificate and warranty deed to confirm ownership of the property. On XX/XX/XXXX I faxed copies of the death certificate and warranty deed along with my request on the fax cover sheet. Please see attached proof of fax. My second attempt was made on XX/XX/XXXX when I sent an email submitting the documents again and explaining my request in detail and on XX/XX/XXXX a generic response was sent from Ditech that my request is being reviewed. On XX/XX/XXXX Ditech responded to my request asking for a copy of the death certificate and legal documentation confirming right of ownership. I had already sent in the death certificate and warranty deed two separate times XXXX XX/XX/XXXX and XX/XX/XXXX ). My third attempt was made on XX/XX/XXXX when I sent yet another email explaining my request and resubmitting the documents requested along with a copy of the escrow check that was issued to my deceased mother. I have yet to hear a response back from Ditech. I now have an escrow check that I am unable to cash because it was issued to my deceased mother. Please I am asking for assistance in this matter. Ditech needs to issue the check to either myself or to myself and my sister as I have submitted proof several times that we were added to our mother 's deed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-09-23

TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XX/XX/2019 I contacted Ditech customer service to inquire about options available as we were struggling to make the mortgage payments especially after the last payment amount increase in XX/XX/2019 due to an error made by the company managing the escrow account. I was provided with an application and instructions for a loan modification request. As for the escrow error, I was told that I could request that the escrow account be corrected but that I must submit a written request explaining the amount. I was told that within five business days of the loan modification team receiving my completed packet I would receive a letter stating that my account was being reviewed and the process could take up to 30 days. The escrow account would be a separate matter, I would receive a letter acknowledging my request to have the funds refunded to my escrow account within 10 business after receipt of letter. The approval or denial of the request would then be determined and an additional letter would be mailed out. I faxed in the completed application and requested documentation for the loan modification on XX/XX/2019 to the designated fax number. I also faxed, to a separate number given for the escrow request, the written request and supporting documentation of the charges posted to my account for an error ( not paying the city taxes ) made by the escrow company. I had been previously assured, at the time the taxes were finally paid, that I would not be charged this money, as it was the company 's error ( Ditech was the mortgage service provider for the previous homeowner as well, and had paid property taxes at this address the previous five years ). I called after I had submitted the fax to confirm it had been received with all of the pages and was told additional documents were needed. I promptly faxed the documents in on XX/XX/2019. I waited to receive a letter from Ditech. Nothing arrived so I again called back and was again told more documentation was needed. Again, I complied and faxed in the documents on XX/XX/2019. I called in to ensure that the documents were received and was told they were. At that time, and every time since then that I have called, I have been told everything is complete on my application for loan modification. I have called two to three times a week since mid XXXX trying to make sure that both requests were being reviewed, as I still have not received any written acknowledgment on either request from Ditech, nor has my loan modification application been reviewed by an underwriter. I have been told by representatives that emails requesting that I be contacted, a letter showing receipt of packet, an email showing the application is in process, requesting to escalate the level of need for my request, etc. were being sent to the respective departments on my behalf. I have spoken to supervisors who have " escalated '' my requests. I have been assigned a designated contact person regarding the loan modification and still have made zero progress. I have reached out the HOPE hotline and requested information on what else I can do to accomplish these two things with Ditech and was given resources to try, this web site being one of those resources. Sadly, after a tremendous number of hours and effort working towards resolving these issues, I still have not even been acknowledged.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Timely Response

2019-09-23

Orion Twp, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information is missing that should be on the report
Complaint: In XXXX of XXXX I challenged DiTech Financial reporting of my mortgage delienquency dates. They have been reporting XX/XX/XXXX as the date of first delinquency which was incorrect. It was my belief that the date of first delinquency was in XXXX. I received a letter, which I have attached to this complaint for Ditech stating that they were in error, the date of first delinquency was XX/XX/XXXX. Letter is attached to this complaint. It was sent from there XXXX XXXX offer by the legal department. Yesterday, I pulled a copy of my credit reports, and the information still has not been updated at any of the bureaus. In my discussions, they stated DiTech has not provided the new information. I would like DiTech to honor their commitment as stated in their official response to me and update the information on my credit reports to all three bureaus. It has been 5 months and the information still has not been updated.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2019-09-23

Gilroy, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-21

Three Bridges, NJ

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: I am in refinancing my 1st loan and 2nd mortgage company ( Ditech my loan # is XXXX ) is not cooperating. We have requested letter of subordination in month of XX/XX/2019 and they were not cooperating we waited for the month of XXXX with no results. So I paid off the loan on XX/XX/2019. I requested paid off letter from Ditech, they said me on XX/XX/XXXX I will have it in 7 to 10 business days. I did not received a letter, so I called on end of the XXXX business days they said letter was not generated, it will generate in next 24 to 48 hours and we will email me one copy and hard copy will arrive in mail by XXXX But if they have not generated the letter how I am going to received it by XXXX XX/XX/2019? Because they are not cooperating I have to pay more interest ( {$1200.00} per month ) for two months and end is not in site. I have to pay another {$1200.00} in interest for next month. Please do some something and expedite the process. Thank you. XXXX XXXX
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Timely Response

2019-09-20

Tibbs, MS

Trouble during payment process

Mortgage: VA mortgage

Complaint: Mortgage Dispute Notes Account XXXXXX ( Ditech calls and actions ) : 1. XX/XX/XXXX - Made first call to XXXX to inform them of XXXX, XXXX payment posting to my bank account on XX/XX/XXXX. Was instructed to fax proof of payment to XXXX, which I did. 2. XX/XX/XXXX Made second call to XXXX, as no information about XXXX payment is showing up, when I log in to Ditech.com. Was instructed to re-fax proof of payment to XXXX, which I did. 3. XX/XX/XXXX Made third call to XXXX, Spoke to ext. XXXX. Was instructed to email proof of payment to [email protected], which I did. 4. XX/XX/XXXX Made fourth call to XXXX. Spoke with XXXX at ext. XXXX. Was instructed to email proof of payment ( bank statement ) to his lead at XXXX, which I did. 5. XX/XX/XXXX Received mail correspondence from Ditech regarding my mortgage account being 41 days past due. Attempted to call account liaison, but the office was already closed. 6. XX/XX/XXXX Fifth call to XXXX. Spoke with ext. XXXX and was informed that the information had been sent by XXXX XXXX to the research dept., but they had not found the payment. Suggested that I might call my bank to have them track the payment. 7. XX/XX/XXXX Spoke to XXXX at XXXX XXXX XXXX. He gave me the electronic tracer numbers for my XX/XX/XXXX Payment and my XX/XX/XXXX payment. 8. XX/XX/XXXX Spoke with Ms. XXXX, at ext. XXXX and gave her both electronic tracer numbers. She placed them into the account and requested that I call back on Thursday of next week ( XX/XX/XXXX ). 9. XX/XX/XXXX XXXX Called XXXX ( XXXX XXXX ), account liaison, ext. XXXX ( she gave a different ext. number, that I didnt catch. She is currently trying to get in touch with XXXX at XXXX. XXXX payment has posted to the mortgage account. XXXX XXXX was unable to reach XXXX or XXXX. She is going to see if her supervisor would accept my email and get it imaged to the account. XXXX bank statement emailed to XXXX. 10. XX/XX/XXXX XXXX XXXX payment has still not posted to mortgage account, calling XXXX XXXX, at ext. XXXX ( she gave ext. number as XXXX ). XXXX informed me that I had a balance of XXXX due and asked if I was able to make the payment. I replied that I have already made the payment and that this is my 7th call regarding my XX/XX/XXXX payment, which has not posted to my mortgage account, but has definitely come out of my bank account. XXXX stated that the emailed bank statement was forwarded to research dept. and imaged onto the account. XXXX I was hung up on after being on hold for 10 minutes. Called back at XXXX, speaking to? at ext. XXXX. I was told AGAIN that I would need to call my bank and have them find the money. 11. XXXX Called XXXX XXXX, speaking to XXXX. There is nothing she can do, beyond giving the electronic tracer number, because the transaction was electronic. It appears the payment is lost in space 12. Husband called on XX/XX/XXXX. The person he spoke to assured him that they were working on finding the payment. Stated that they were extremely short staffed, at this time. 13. XX/XX/XXXX Received alert from XXXX XXXX. Lost delinquent payment has been reported to the credit bureau. XXXX Calling Ditech back. Spoke with XXXX, and expressed my anger over the length of time it has taken to get this issue resolved. She stated that the issue is still in research. I asked to speak to someone in that department. Held until XXXX, when I spoke to a manager ( XXXX ). XXXX gave an estimated time of resolution by COB today, and stated that he would call me back. Today. XXXX did call back at XXXX XXXX, but only to let me know that the issue has still not been resolved, and they are fervently working to get it resolved. 14. Lost payment issue was finally resolved, when 2 payments were applied in XXXX, and the delinquent payment was removed from credit reports. However, because our XX/XX/XXXX payment was paid in XX/XX/XXXX, our mortgage interest paid for XXXX was significantly lower than it should have been. Tried to get it fixed, but could not. Mortgage Dispute Notes Account XXXX ( New issue discovered on XX/XX/XXXX ) : 1. XX/XX/XXXX XXXX XXXX : Received an email from XXXX XXXX, stating that Ditech has returned our XXXX payment, due to an invalid account number. Our account number has been entered into our electronic billing system for the last 4 years, and has never been changed. 2. XXXX XXXX : I called customer service at XXXX and spoke to XXXX. She stated that the payment was never received. I corrected her and told her it must have been received because the funds had clearly been taken out of my bank account, and I am now just waiting for them to be returned so that I can make the payment again. I informed her that I would not be paying a late fee because of their mistake. She informed me that she would send a dispute letter, in order for us to dispute any late fee added. She, then, proceeded to try to sell me new homeowners insurance. I told her I was not interested in anything else from Ditech, and that I was done talking. 3. XX/XX/XXXX Did not receive a dispute letter, but did receive a packet from Ditech to inform us that we are in danger of losing our home, due to our account being 2 months overdue. ( Our XXXX payment was made on XX/XX/XXXX and XXXX was made on XX/XX/XXXX ). I attempted to call customer service at XXXX XXXX, however, no representative was available, though the hours posted are XXXX XXXX to XXXX XXXX. 4. XX/XX/XXXX XXXX Called XXXX. Spoke with XXXX at ext. XXXX. She informed me that I had a balance of {$1100.00} due, and asked if I could pay it today. I informed her that they had already received both payments, and I told her the dates on which the funds were taken from my bank account. She told me to fax my bank statement to XXXX, along with the front and back of each cancelled check. I told her that the statement wouldnt be a problem, but that this is an electronic ACH, and there is no piece of paper showing that it was deposited by Ditech. All I might be able to get for her was an electronic tracer number. XXXX went ahead and filed a complaint for me, before hanging up. I emailed the bank statement to [email protected] instead of faxing it. It stated : Hello, Please see my attached bank statement, which should provide sufficient proof of payment. However, I've been through this before with this company, and I have zero hope of it being resolved quickly. Please know that I am extremely tired of making phone calls, as is my husband. Before you ask, NO, my bank does not send a check. It is an electronic ACH. The only thing they can give me is a tracing number. The account number has never changed. If this becomes a drawn out issue, like it was the last time, I will get a lawyer. That is not a threat I have ever made to anyone. I'm not taking this lightly. One mistake on your part is one thing, but this is completely unacceptable. Sincerely. 5. XX/XX/XXXX Received email stating that my XXXX statement was ready. Checked it on Ditech.com. It states that we now owe {$1600.00}, and must pay this amount to bring our mortgage current. Luckily, they have provided a name and number for our account representative XXXX XXXX at ext. XXXX. Im calling her now. 6. XXXX Spoke with XXXX, not XXXX. He was able to pull up the email I sent, along with all of the bank statement pages. He said it was good that they had all of the information, but it would still take at least 30 days for the money to be found. He encouraged me to call back on XX/XX/XXXX.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2019-09-20

Oaklawn, KS

Problem with a credit reporting company's investigation into an existing problem

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-20

Cedar Rapids, IA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-19

Cambridge, KY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-19

Broomfield, CO

Problem with a credit reporting company's investigation into an existing problem

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-09-19

Warwick, MD

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: We fell behind on our mortgage after a go karting accident and struggled to pay, but once we started paying again they stopped taking payments and have not reviewed our loss mitigation package.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-09-19

Murray, UT

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: On aproxamatly XX/XX/2019 Ditech changed my account # from XXXX to XXXX at that same time I sent in a payment for more than the minimum amount which Dirtech failed to properly credit to my account they have both admitted the error and gave asurances that they would fix it and that many other customers were experiancing similar problems. I have called Ditech at least 10 to 12 times over the last 6 months to try to get them to do their job and fix their mistake with no success. Ditech continues to harass me with automated phone calls and coraspondance and have imposed severe penelties by increasing the minimum payments due and raising my interest rate. I have continued to make monthly payments in amounts more than the original minimum due at the time of the account # change. Ditech has recorded all the conversations as well as I have noteded the dates and who I spoke with. I have sent Ditech on two occations a Qualified Written Requist which they said they would respond to but they have failed to do so in spite of Ditech informing of dates that they would do so. At this point I feel that there is a high probablity that Ditech has violated both State and Fedreal statutes particulary the fair debt collection practices act. I have also sent a letter with my last payment again no response.
Company Response: Closed with explanation

Timely Response

2019-09-18

Friendly, WV

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2019-09-18

Bloomfield, CT

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-09-18

Newport, TN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: ConsumerFinancialProtectionBureau This complaint is directed with over 8 lenders who have received monies from me since 2003 when I originally purchased my home from the builder. I have detailed in a summary document how my loan has somehow gone from a 30 year mortgage to a 44 year mortgage, how my loan amount varies throughout the lenders, how did a fixed rate loan change so often ... these are just a few questions. I have provided documents that show both my bankruptcy attorney and the bank 's attorneys kept me from filing the one document of re-affirmation needed to prevent the issues that have occurred. They blocked me until time expired. This is a very well documented complaint that is clearly predatory and should never be allowed to occur. Note : Some attachments ( pdf ) were too big and had to be broken into smaller files. I was not aware til after the index of attachments was uploaded, so I named them similarly and included page numbers. I need someone to take an interest in this complaint and give it the consideration it deserves. I worked over 30 hours to produce these documents. Being XXXX and having to confine myself to a chair for long hours is extremely painful but I did it. You should have everything you need to resolve the main issue of terms of loan ... when passed from lender to lender.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-17

Barbourmeade, KY

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-17

East Brooklyn, CT

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-09-17

Harrisburg, PA

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2019-09-17

Sacramento, CA

Trouble during payment process

Mortgage: VA mortgage

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2019-09-17

Macomb, MI

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-17

Vineland, CO

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Timely Response

2019-09-17

Fort Pierce, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Ditech is changing the amount and date I make my mortgage payment. I have to call and email because they also have been placing the entire amount on principal. They no longer allow me to see my payment history on line, as I have been using it for documentation ... it constantly changes. On XX/XX/2019 I made my XX/XX/XXXX payment with an additional {$200.00} to go to principal. Ditech put the entire amount on principal and changed the date I paid it to XX/XX/XXXX and only show my payment with no principal ... this is after I emailed and called 2 times. They have been putting the entire amount each month on principal ... even putting a late charge on me in XX/XX/XXXX ... though I paid it early.They assure me it has been taken off. Now I am unable to even know what they are doing as they dont allow me to see it on line how they keep changing the amounts and dates that I pay ... this cant be legal!!! How can I get them to do their job? How can they change their dates. XXXX # XXXX in the XXXX the last person I talked to said it would be fixed by the end of last week. He also stated that because I paid it on XX/XX/XXXX five days early that Ditech put it on principal because the payments no due until XX/XX/XXXX ... really?! Help! Ditech is constantly screwing up my mortgage! This has to stop!
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Timely Response

2019-09-16

Boger City, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-16

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response