Ditech Financial LLC

2017-12-06

WV

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Altering of my original loan contract set up which is a sign contract that is being altered against my wishes with it 's biweekly payment with Ditech Financial LLC who purchased it from Green Tree who got it from other lenders! acc # XXXX with them The contract that Ditech purchased was set up with a biweekly contract which is now trying to be altered. If my thought is correct it is against the law to alter the signed contract of a loan. If you can show me how it is legal then I would appreciate the evidence. Also we went through this before when Green Tree had switched over. They did n't even offer biweekly but ended up honoring it in the end. Now Ditech says it is not what they will do any longer for it. Please advise quickly. Sorry for any errors or confusing statements, because I am still on a 1 hr+ call with them bouncing from department to department and no one has a clue why I was sent to them. " No one can handle the situation just mail a letter and hope we receive it to help '' Thank you in advance, XXXX XXXX XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-12-06

Newark, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: was laid off back in early 2016 I contact my mortgage lender Ditech LLC to talk to them about my current situation. I work in the XXXX as a XXXX and was on a temporary furlow. I read in Ditech 's paperwork that they work with clients in situations where they need temporary assistance. When I contacted them I was told there were no such options for me. I was put in contact with at least 14 different representatives to no avail. All I wanted to do was rectify the situation and get back on track. They pushed me further behind in payments because they kept switching me to different departments/people. I think this is a tactic to put you into foreclosure. I hired a lawyer to help me with the situation and I was then given a loan modification. I did not sign the paperwork because of the terms and when I tried contacting the person on the paperwork they never called me back - at least 12 messages. I did not want to sign something that was given to me that in the letter is clearly stated if any questions before signing contact so and so. After paying for help they continually pushed me further behind asking for proof that I was back to work I showed 12 months of paystubs and they came back with a determination that the hardship was not satisfied. The hardship was absolutely temporary and resolved. I just want to pay my mortgage we are a family of XXXX and I work in a XXXX XXXX in NJ. Upstanding citizen and I find it very unfair that Ditech states unfactual documents about my situation!! Please any help is needed to resolve this matter. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-06

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-12-06

Coloma, MI

Incorrect information on your report

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

2017-12-06

NC

Incorrect information on your report

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

Account status incorrect
Complaint: Ditech Financial LLC has been reporting since X/2014 that I have an open account with them # XXXX which I have never had and they are coding to my credit report as this being a XXXX. I am trying to refinance my current mortgage and ca n't because this is on my XXXX credit report. XXXX and XXXX credit reports are correct. I have contacted Ditech Financial LLC on numerous occasions and XXXX and just keep getting a run around, their employees are also very rude when you ask about these fraudulent claims on my credit report. I just ca n't believe Ditech Financial LLC and XXXX are allowed to put these bogus fraudulent claims on my credit report and have been doing it for years. This should be a crime and they should be punished for taking advantage of their customers. Please help me. Thank you, XXXX XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-12-06

Manhattan, NY

Incorrect information on your report

Mortgage: Other type of mortgage

Complaint: I request that you make out a check of {$24000.00} to resolve the title fiasco which is ongoing. Instead of closing on the sale of the condo last summer, as scheduled, we barely closed just now in the autumn after arduous labor, and a still unresolved title problem. It was just short of four months of delay and legal work involved with this corrupt, but insured title. Here is the breakdown : Common charges for four months $ XXXX {$1600.00} Mortgage payments for four months since the scheduled closing $ XXXX {$5000.00} Escrow held by the title company because of the still corrupt title= $ XXXX Legal fees of my husband, an attorney, for four months of work= {$12000.00} Extra legal fees paid to our transaction attorney XXXX XXXX= {$4000.00} more than originally agreed upon, but an additional amount paid due to the extra work required to close Total= {$25000.00} Will you issue that check please? Also, you should issue a check to XXXX XXXX for unpaid legal work done to resolve this corrupt title.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-06

Bridgewater, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

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

Timely Response

2017-12-06

Decatur, GA

Struggling to pay mortgage

Mortgage: Other type of mortgage

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

Timely Response

2017-12-05

Jax, MS

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My complanit is Ditech Financial about my mortgage payments. In XX/XX/XXXX I file a chapter XXXX at that time my mortgage was current in XX/XX/XXXX. After that my mortgage payment were applied to the company for post payments. In the process I sent in multiple payments to stay ahead. My regular house note is {$440.00} sometimes my mortgage be {$440.00}. I asked why my mortgage change, they replied that I had to pay for multiple inspection. After that Ditech sold the mortgage to XXXX XXXX XXXX. I contacted the new mortgage company which were XXXX XXXX in XX/XX/XXXX to check on payments, at that time XXXX XXXX said my mortgage was current. I were told they were waiting on Ditech to forward the payments over to them. Which XXXX said it was taking longer than expected. I call the mortgage company back to see had Ditech post the payments to the account. XXXX rep said the payments were applied. Ditech told XXXX that the last time a payment was make it was XX/XX/XXXX. At that time I knew that was incorrect, I call Ditech to see what happen to the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments.I was informed by Ditech rep they see the payments but {$1000.00} went to legal fees and there were other advance payments made from my mortgage payments. I were never told about any advance payments until I check with Ditech about the missing payments. My mortgage is behind due to Ditech applied funds to their advance accounts without my knowledge. They charge my account late fees.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-05

Apple River, IL

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

2017-12-05

Oxford, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Refinanced my house in XX/XX/XXXX. Mortgage has been sold and transferred to a number of companies including XXXX XXXX XXXX, GreenTree and now Ditech. Any late payments over the years have been addressed and the loan/mortgage is current.. You will notice the history of pages 6 & 7 of the attached document. The mortgage with Ditech has been current since the XX/XX/XXXX history started. No notices of problems or late payments. Ditech allows payments to made online and are not considered late until XX/XX/XXXX. I utlize the online payment portal. XX/XX/XXXX when I went to make my payment, the online system said I owed back payments of $ XXXX. When I contacted Ditech, they told me it was a system error and all I owed was my normal payment of {$1500.00}. Since XX/XX/XXXX, I have received several notices ( copied attached ) that I am behind on my mortgage and subject to foreclosure. Note on page 1 of the attachment, dated XX/XX/XXXX. " We are sending this notice to you because you are behind on your mortgage payment. We want to notify you of possible ways to avoid losing your home. We have a right to invoke foreclosure ... .. '' Note : Payments are NOT late until XX/XX/XXXX and as of XX/XX/XXXX, I was NOT late. Please refer to the attached payment history. Letter dated XX/XX/XXXX : Provides notice that I had a specific account rep who can reached at extension XXXX. ( Subsequent attempts to reach this account rep have failed. The phone system does not recognize the entry of this extension ). Letter dated XX/XX/XXXX : Says I owe $ XXXX and indicating payments had not been received going back to XX/XX/XXXX. WRONG. Letter dated XX/XX/XXXX : Says I owe {$1500.00}. WRONG. I did nothing to pay off the previously stated $ XXXX and I did nothing to pay off the previously stated $ XXXX but I did pay my regular payment on XX/XX/XXXX. According to their history, this payment ( taken via phone on XX/XX/XXXX ) posted on XX/XX/XXXX - but now I owe {$1500.00}? WRONG. Please note on the history the activity on XX/XX/XXXX : Reallocation - Principal ( {$4900.00} ) Interest ( XXXX ) Escrow ( {$6200.00} ) - Principal balance increase by {$4900.00} Please note on the history the activity on XX/XX/XXXX : Reallocation - Principal ( {$3800.00} ) Interest ( {$10000.00} ) Escrow ( {$1600.00} ) - Principal balance increase by {$3800.00} Please note on the history the activity on XX/XX/XXXX : Payments - Principal ( {$3000.00} ) Interest ( {$4200.00} ) Escrow {$850.00} - Total Payment {$1500.00} - Principal balance increase by {$4200.00}. Please note on the history the activity on XX/XX/XXXX : Payments - Principal {$33.00} Interest ( {$33.00} ) Escrow {$17.00} - Total Payment {$00.00} - Principal balance decrease by approximately {$33.00}. From XX/XX/XXXX to XX/XX/XXXX - my principal balance increased by {$11000.00}. Why? Where did this come from? Please note page 8 of the document : Current loan details shows I am current. I do n't owe a payment for XX/XX/XXXX? Why? I have not paid for XX/XX/XXXX. My principal balance is {$240000.00} ( already addressed ). Why the increase? Maturity date of XX/XX/XXXX? Over 36 years from now? I do n't remember ever refinancing my house for more than 30 years. I do n't remember any refinance or modification since XX/XX/XXXX. I would like an explanation with supporting documentation provided for this manipulation of the numbers and these issues FIXED.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-12-05

Bohemia, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-12-05

Novato, CA

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

2017-12-05

Winton, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX, I submitted a request for mortgage assistance to Ditech Financial. Since then, I have been submitting requested documentation so that this can be reviewed for assistance. On XX/XX/XXXX, Ditech sent me a letter stating that they have transferred the servicing of my loan to Green Tree Servicing, a company that was a subject of a class-action lawsuit for failing to honor loan modifications that were in the process of being finalized when consumers loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. Although they have informed me that the request for mortgage assistance is still in review - they are engaging in dual-tracking by also advising me the the foreclosure sale is still moving forward on XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-04

Bremen, GA

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

2017-12-04

Austin, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Ditech allows customers to make online payments via XXXX. I set up an online payment and received a confirmation ( attached ) for our XX/XX/XXXX payment. We also paid XX/XX/XXXX and XX/XX/XXXX through this system. During XX/XX/XXXX, the authorized payment was never drawn from our account and we were reported as 30 days late. Based on the evidence that was set up correctly and a confirmation was received showing the payment to be drafted, I do not feel we shoud be counted late. I spoke to XXXX in XX/XX/XXXX and told the 30 day late was being corrected because we had a payment confirmation. I was given a control # to use when askig about the 30 day late reversal. original control # for the bureaus ( given by XXXX ) is XXXX. I received a letter today ( XXXX ) stating that the XX/XX/XXXX payment was reversed and therefore we would still be considered late. We authorized a payment to be made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via their website. The XX/XX/XXXX payment was not pulled until XX/XX/XXXX ( confirmation in may of a payment received XX/XX/XXXX is attached ) but it was set up correctly on our end. The XX/XX/XXXX payment was drafted along with the XX/XX/XXXX payment on XX/XX/XXXX but was reversed several days after it was pulled on the XX/XX/XXXX. This was not requested by us. They pulled XX/XX/XXXX payment again and the XX/XX/XXXX payment on the XX/XX/XXXX. When I called XXXX, they referred me to XXXX. XXXX said they never drew from our bank in XX/XX/XXXX due to the fact that our account was on the XXXX XXXX directory list. Our account is not listed on the XXXX list nor has it ever been. Please see attached statement from chase provided to XXXX to demonstrate that fact. XXXX admitted never attempting to draft the XX/XX/XXXX payment. When we received the next month 's statement, showing the XX/XX/XXXX payment not made, we called XXXX, who said to call XXXX again. XXXX insisted that I physically go to my bank to get confirmation that my account of 20 years was in fact still active before hey would even attempt to pull a payment. I went to my bank ( XXXX ) and had the attached letter to prove the account was active and in good standing. XXXX drafted both the XX/XX/XXXX and XX/XX/XXXX payment simultaneously XX/XX/XXXX. XXXX said that the late payment would be removed from our credit report because our account at chase was in good standing ( not on the XXXX list or an inactive account as they believed ). The mistake had been on their end and we would not have a 30 day late. On XX/XX/XXXX Paymentus drafted {$7900.00} ( 2 payments ). On, XX/XX/XXXX XXXX charged a {$140.00} late payment, even though we had just paid {$7900.00} on the XX/XX/XXXX. On XX/XX/XXXX Ditech reversed one of the payments that was collected ( {$3900.00} of the {$7900.00} ). We did not request this. XXXX says it was due to an incorrect routing #. But how did they take the money and put it back if the account # was wrong??? On XX/XX/XXXX another {$7900.00} was drafted by XXXX/XXXX covering the XX/XX/XXXX and XX/XX/XXXX payments. We were told that we were caught up. The mistake was on their end and that they would correct the credit report to show no 30 day late. Today, I pulled our credit report and the 30 day has not been removed as promised. When I called XXXX and XXXX, they now say the late was our fault and the late will not be removed. If we rely on the payment methods available on a creditor 's website, I feel that we should not be punished if the creditor or their third party payment company makes a mistake. That is exactly what has happened to us. We have a 30 day mortgage late because the creditor did not pull the payment that we set up per the confirmation. Ditech says that a confirmation can not be trusted, I think a consumer should be able to rely on the written information given to them by their creditors. I asked to speak to a supervisor and was told I would receive a call within the hour. that was this XXXX. We did everything correctly and are now being punished for their mistakes. I really need some help. Anything you can do would be greatly appreciated.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-12-04

Incorrect information on your report

Mortgage: Conventional home mortgage

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

Timely Response

2017-12-04

Rocky Ridge, MD

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

2017-12-02

Key Biscayne, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Hello : ditech.com is my mortgage company. They placed an automatic forbearance on my account and removed my auto payment after Hurricane Irma. I called about a week after the storm to ask that they remove the forbearance and return the auto payment. This was confirm by the agent and recorded by them. I received a letter just a few weeks ago stating that my auto payment was never returned and the agent who I spoke with after I received the letter actually read back the notes confirming that I called and asked to have forbearance removed and auto payment reinstated. So I asked again the agent to remove the forbearance and install auto payment. I called this past week to check if this was done yet, and the agent at that time said I still have a forbearance and no auto payment. As I right this complaint, I spoke with an agent today that informs me that I dont have auto payment and forbearance is still active. She placed me on hold, which has lasted an hour. Ditech is not responsive, and it is purposely choosing to keep my in forbearance when I have asked countless times to remove me. I also have asked countless times to reinstate auto payment and yet they choose not to listen. Please help XXXX XXXX, XXXX
Company Response: Closed with explanation

Timely Response

2017-12-02

MI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I am filing this complaint on behalf of my clients. One of the owners has XXXX and XXXX and is very ill. The other spouse had to quit work so that she could tend to her spouses needs and they got behind on their payments and stopped making them. THey tried several times to find someone to refinance them but because of medical bills and loss of income it was impossible. They waited to long to put the home on the market because of the illness. Now they want to sell it so they can get the equity out and move on. The home is listed for sale, the owners have been foreclosed on and have a 6 month redemption period that ends on XXXX XXXX, XXXX. I faxed over the Third Party Authorizaiton and Payoff Letter on XXXX XXXX, I have been trying to reach a person/representative at Ditech since XXXX XXXX, XXXX and finally yesterday reached a representative on XXXX XXXX, XXXX. Their phone system would fail when I asked for a representative, calling several times per day. Every time I asked to talk to a representative it would transfer and I would get the message " you have reached an invalid number '', time after time. I asked to speak to a manager at Ditech and was transferred to XXXX XXXX XXXX, Ext XXXX. She said they did get my letter and Authorization letter and will be faxing me a letter in XXXX to 5 days. XXXX said that they could not give me a payoff because the loan was transitioning to XXXX XXXX. I told her there must be some mistake or I need to speak with another manager to get this payoff, she refused and told me there was no one else who could help me. I do know that my clients have a 6 month redemption period to redeem the property or pay off the loan. I need to get this payoff. XXXX XXXX told me to contact XXXX XXXX and gave me the phone number, so I did contact them. On XXXX XXXX, XXXX I called XXXX XXXX at XXXX and spoke with XXXX ID XXXX, I asked her if I could get the payoff for the loan and she said no, I would have to get the payoff from Ditech. Once the home gets to them it comes as a property and they do n't have any information on payoff. On XXXX XXXX XXXX I called XXXX XXXX at Ditech again and left her a message and let her know that XXXX XXXX does not give the payoff, that we have to get it from the lender Ditech. I am still waiting for XXXX to return my call. My clients have equity in the home and will be able to get there equity out so they can move on. I feel that Ditech is making it difficult and are playing games since it is a higher end home and there is equity there. Or I just have not spoken to the right person at Ditech and XXXX is to lazy to find out who I really need to speak to. We really need help with getting to the right person and getting the payoff.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-12-01

Lk Buena Vis, FL

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

2017-12-01

Baltimore, MD

Struggling to pay mortgage

Mortgage: Other type of mortgage

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

Timely Response

2017-12-01

Somers Point, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-12-01

Webberville, MI

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

Timely Response

2017-12-01

Highland Park, CA

Trouble during payment process

Mortgage: VA mortgage

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

Timely Response