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 91
2017-11-15
Bargaintown, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-15
AR
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: I have been psying on this loan since 1994. My daughter bought a mobil home and we thought we were only co-signing but turned out to be in our name. a few payments have been missed in the previous 23 years ( maybe 2 or 3 total ) but we are up to date on it now. The problem is the payment is usually 4 to 12 days late and the mortgage has a {$5.00} late fee which is no problem. They charge me interest daily after the due date til they recieve the payment and then the next month they charge interest from the due date again which means I am paying double interest for about 10 or 12 days a month. The original loan was for approx {$35000.00}. but after 23 years the payoff is still over {$25000.00}. Is this legal?
The loan company is Ditech.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-15
Jupiter, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, Ditech, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. Ditech then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-11-15
Scottsdale, AZ
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: My wife and I were discussion a mortgage refinancing with Ditech on XX/XX/XXXX. The mortgage owed is currently XXXX. We are speaking with XXXX XXXX XXXX, with email of XXXXXXXXXXXX. Before my wife agreed to have credit run she confirmed that the rates would be 4 % and the fees totaled {$3500.00}. We agreed verbally and they ran our credit. This am XX/XX/XXXX we reviewed the actual disclosures which showed a rate of 4.5 % and fees of XXXX. We reached out to XXXX on both email and phone. Once he responded to us he tried to tell the story that he was trying to help us with our rate by increasing the percentage and could not explain the fee increase. This is absolutely scummy we are ending the process now and are looking to move our mortgage elsewhere. We wanted to change from a ARM mortgage to a fixed but will not do business with an organization like this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-15
Parker, CO
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-11-15
Phoenix, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Account number XXXX XXXX and XXXX XXXX Complaint filed with the Consumer Financial Protection Agency New questions and follow up questions from first response.
According to your letter, we and you show a 40 year modification was done in XX/XX/XXXX in your system but the credit reporting agencies are incorrectly showing a 49 year loan. Please send the big three credit reporting agencies the corrected information.
Also, see page one of the transaction history under payment history where it says that the total payment due each month is {$2000.00}. Why was our payment each month from inception {$2000.00}? Why the {$33.00} difference?
This email letter along with the transaction history from XXXX is in regards to your response dated XX/XX/XXXX. You needed dates of the $ XXXX fees that were eventually placed into Uncollected interest. And I have several new questions about fees charged and paid. Please send all The late charges of {$91.00} paid on XX/XX/XXXX was put towards Uncollected interest. Please see late charge dated XX/XX/XXXX was put towards Uncollected interest. Again on XX/XX/XXXX another {$91.00} late fee was put down as a late fee but on XX/XX/XXXX it was applied to Uncollected interest. On XX/XX/XXXX and forward dated on XX/XX/XXXX another {$91.00} late fee was put in Uncollected interest. On XX/XX/XXXX and forward dated to XX/XX/XXXX a doubled late fee of {$180.00} was applied to Uncollected interest. And again a double late fees of {$180.00} which was forward dated XX/XX/XXXX was applied to Uncollected interest. On XX/XX/XXXX another late fee was paid for {$180.00} and put towards Uncollected intetest.
On XX/XX/XXXX forward dated XX/XX/XXXX I paid the late fee of {$91.00} then was posted to Uncollected interest on XX/XX/XXXX forward dated XX/XX/XXXX. On XX/XX/XXXX the late fee was posted to Uncollected interest again. XX/XX/XXXX and forward dated XX/XX/XXXX I paid another late fee. On XX/XX/XXXX a late fee was paid {$91.00}. I have run out of XXXX transaction history forward so I cant see if these late fees paid were put into Uncollected interest.
Late fees are paid for one thing ... late fees not Uncollected interest. I want a full refund of all these late fees and any going forward that I dont have the transaction history to show how these late fees were handled. I ask for interest on the amount as well.
On XX/XX/XXXX there is a misc receipt of {$720.00} then it was reversed, transferred to movement transaction. What was this payment and where did it end up? A movement transaction is not a holding account or was it used as a holding account? Please explain where it shows the money ended up.
Again, On XX/XX/XXXX there is a reversal of {$970.00} then it was moved to a movement transaction and it just disappears with no further posting into an account. What was that money used for and where did it come from?
On XX/XX/XXXX there is a fee charged for {$16.00} and it was paid on XX/XX/XXXX. What is this fee for because we hadnt been required to make a payment yet until the XX/XX/XXXX. It doesnt jive with a check being sent back to us of {$50000.00} they claim to have sent on XX/XX/XXXX.
Again on XX/XX/XXXX a fee was billed for {$12.00} and it was paid on XX/XX/XXXX. What was this fee for?
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was billed a {$5.00} fee and it was pd on the same day. These transactions were forward dated to XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. What were these fees for?
On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I was billed a fee of {$7.00} and they were forward dated and paid on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. What are these fees for?
On XX/XX/XXXX there is a credit of {$30.00} listed under escrow distribution but the money was posted to the opt bal. what is the opt bal and where did my credit go?
I want all theses fees returned with interest as well as returning to me the reversals of {$970.00} and {$720.00} listed on the transaction history and referenced above in this letter.
Where on the XXXX transaction history does it show where my initial taxes, hoa fees, assessments, etc that was charged to us and paid at closing when we took the loan out in XX/XX/XXXX? These fees and charges should be listed in the beginning balances. Should they not?
Also, when we took out the loan we paid points of {$2900.00} but XXXX sent out our amount of interest paid form for the IRS and on that form it had a box for points paid by us as a tax write off. XXXX left the points paid box blank. I would like a correction from XXXX so that I can refile my taxes.
https : //ditechcs.sharefile.comXXXX XXXX XXXX XXXX Thanks, XXXX XXXX Sent from my XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-15
Brooklyn, NY
Closing on a mortgage
Mortgage: FHA mortgage
Complaint: On XX/XX/XXXX at XXXX XXXX I closed on a property that had a mortgage with Ditech in XXXX XXXX XXXX. Ditech 's closing instructions required a closing fee of {$550.00} to cover the cost of their attorney XXXX and XXXX XXXX to attend the closing and collect the payoff check. Both of these items were completed as required. However, Ditech posted the payoff to my account onXX/XX/XXXX claiming that they did not receive the payment until that date and that it was wired. They went on to reported to credit bureaus non payment for the month of XXXX and make additional notes inXX/XX/XXXX that have brought my credit score down significantly. They also refuse to return any of the per diem that they owe me fromXX/XX/XXXX - XXXX. I have contacted them numerous times via phone and in writing to no avail. I have also reported them to the BBB and they refuse to make adjustments.
From a legal, professional and ethical standpoint, XXXX and XXXX acted as Ditech 's agent, extension of their company in a legal capacity and was in receipt of my payoff as ofXX/XX/XXXX at XXXX XXXX. My account should reflect the exact date and time of the receipt of that payment. Ditech 's internal process is none of my concern nor should I be penalized for their complex internal protocol.
Company Response: Closed with explanation
2017-11-15
Estelle, NC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-14
MA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I received a HAMP modification 6 years ago. I have made timely payments and my account is in good standing. I made a large principal reduction on my own along with the incentives from the XXXX that owns my mortgage so I requested a recast of my loan. I was turned down but told that once I got my 6 year incentive payment they would recast. Then suddenly in XXXX XXXX I received a letter dated XX/XX/XXXX that stated my request for recast had been accepted and I would receive the documents within 2 weeks. I have called 9 times since then and each time I am told that they see the approval letter but ca n't understand why the docs have n't been sent. In XXXX I was told that I would have the documents within 30 days. the 30 days was up on the XXXX of XXXX and I still ca n't get anyone to answer me as to where the documents are. I expect a recast of my mortgage so that I can afford the payments. I am a working single mother who is trying to do the right thing but these payments need to be recast so that I can afford them. I have hired an attorney to pursue damages.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-11-14
San Diego, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-14
Patterson, MD
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I, XXXX XXXX, am writing this letter to dispute the charges for the XXXX XXXX XXXX of {$2000.00} dated XXXX XXXX, XXXX.
To resolve this matter, I would like all monies paid to the XXXX XXXX XXXX returned to me or applied to my principal balance immediately. Once this action is completed, please send me a letter specifying the amount reimbursed to me or credited to the principal balance of my account # XXXX.
The preceding is a timeline of what has occurred and the actions I have taken to resolve this matter : On XXXX XXXX, XXXX, I filed a police report case # XXXX of the breakin and damage to my property in XXXX, MD.
In XXXX, XXXX, after speaking with my insurance carrier, I cancelled the fraudulent claims made by XXXX XXXX to my insurance company for roof damage since there were no existing damage to my roof which I routinely maintain with asphaltic roof coating.
In XXXX XXXX, after several months of discussing and providing proof of the multiple damages to my property, XXXX XXXX agreed to settle the matter with a lump sum payment. I submitted copies of : o Pictures of the multiple damages to several entry points, o The City of XXXX Police Report Case # XXXX, o Multiple estimates of {$3000.00} worth of damage caused by XXXX XXXX to several entry points, On XXXX XXXX, XXXX, I signed a notarized letter to XXXX XXXX and received a payment dated XXXX XXXX, XXXX for the agreed settlement.
During XXXX XXXX, after speaking with a Ditech Customer Service Representative, I was made aware of the Corporate Advance Fee of {$2000.00} that was charged to my Ditech account. I asked for a description of the charges. I was told to write a letter requesting a copy of the charges and fax the letter to ; Ditech, XXXX. Box XXXX, XXXX XXXX, SD XXXX, Fax : XXXX On XXXX XXXX, XXXX I faxed a letter to XXXX as advised requesting a copy of the Corporate Advance Fee.
I received a letter dated XXXX XXXX, XXXX from Ditech stating the matter was being investigated.
On XXXX XXXX, XXXX, I received a letter from Ditech indicating the charges of ; o Roof Work Patch Work {$1000.00} o Winterize Dry System {$250.00} o Lock Change {$40.00} o Treated/Cleaned Discoloration {$220.00} o Cap Sewer Line {$100.00} o Cap Water Line {$150.00} o Change Additional Lock {$120.00} o Replace Chimney Cap {$250.00} Total {$2000.00} On XXXX XXXX, XXXX I called Ditech to exclaim my shock when I found out that the Corporate Advance fee was for work that was never done to my property.
o At no time was there any improvements made to my property by Ditech or XXXX XXXX with or without my knowledge.
o I asked the Ditech representative for copies of pictures of the before and after work that was completed. They said no pictures were submitted by XXXX XXXX
o I asked the Ditech representative for copies of the receipts of the work completed at my property. They said no receipt was provided by XXXX XXXX
o I asked the Ditech representative for copies of the authorization to complete the work, and again the Ditech representative wasnt able to provide proof of authorization to complete the work stated above.
o The Ditech representative said they received a bill without any documentation or proof of work from XXXX XXXX
Ditech paid XXXX XXXX the invoice without documentation, then they billed my account with a XXXX XXXX XXXX.
I asked the Ditech representative for a full refund of the Corporate Advance Fee, since none of the above described work was ever completed at my property by XXXX XXXX or anyone else with or without my knowledge and authorization before or after the damage to my property in XXXX, MD.
o Instead of resolving the dispute with a full refund to me or credit to my account, the Ditech representative asked me to submit proof of : The damage and breakin to my property that was reported on XXXX XXXX, XXXX to the City of XXXX Police Report Case # XXXX.
Copies of pictures showing the damage to my property caused by XXXX XXXX.
Copies of the Receipts of the XXXX to Repair the damage to my property caused by XXXX XXXX
Copies of the settlement letter dated XXXX XXXX, XXXX, for the settlement paid to me by XXXX XXXX for the damage to my property reported on XXXX XXXX, XXXX to the City of XXXX Police Department.
And to email the documents to [email protected] or fax directly to : XXXX.
As requested, the following attachments are submitted for your review and use : o The City of XXXX Police Report Case # XXXX, o Copies of pictures showing the damage to my property caused by XXXX XXXX
o Copies of the Receipts of the Estimate to Repair the damage to my property caused by XXXX XXXX
o Copies of the settlement letter dated XXXX XXXX, XXXX, for the settlement paid to me by XXXX XXXX for the damage to my property reported on XXXX XXXX, XXXX to the City of XXXX Police Department.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-11-14
San Gabriel, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have had a loan serviced by Ditech ( XXXX XXXX XXXX ) for over 3 years. Each year, my escrow account 's funds were excessively short. The rate the impounds were collected at were set by the loan servicer and were not decided by me. I allowed the shortage to be spread with payments the two prior years.
In XX/XX/XXXX, I received a new notice that my escrow account was again insufficient. I 've watched the escrow account 's insufficient balance grow year after year and had enough. I chose to make a payment to Ditech to stop the cycle of the impound account not being collected correctly versus continuing to spread the shortage. It did not appear an end was ever in sight. If you look at the history on my escrow account, it 's relatively static. It does not make sense that it would continually be short, unless Ditech set the impound rate incorrectly from the start. I paid my supplemental taxes on my own. The only escrow activity on tax payments, PMI, and hazard insurance. The payment amounts for these items fluctuate insignificantly.
Ditech gave me the option of mailing a check, which is not how I conduct business in XX/XX/XXXX. On XX/XX/XXXX, I called Ditech and spoke with XXXX. She informed me that I could make an online payment. Because the payment would be applied to principal/interest, she instructed me to send a secure email asking for the payment to be reprocessed toward the escrow balance.
On XX/XX/XXXX, I made a payment with Ditech for {$2600.00}. On the following day ( XX/XX/XXXX ), I sent Ditech a secure email asking for their help with reprocessing the payment. Ditech failed to respond to my inquiry. On XX/XX/XXXX, I sent Ditech a follow-up secure email asking for their help. On XX/XX/XXXX, I received a reply from Ditech indicating my " request is being reviewed for appropriate processing. '' When I called on XX/XX/XXXX, Ditech had no issue attempting to sell me a refinance to my loan. Apparently, responding to routine service inquiries is an issue to Ditech.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-14
Halifax, VA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-11-13
Albion, NY
Applying for a mortgage or refinancing an existing mortgage
Mortgage: FHA mortgage
Complaint: I have had a mortgage for the past 18 years from mid XXXX 's to current. My mortgage has been sold 4 times over the course of the last 4 years. Prior to getting the mortgage sold I re negotiated with the lean holder and in a loss mitigation program.
But before being sold I had made the the 3 months of trail payment which were successfully, a new agreement was signed and notarized. Upon the sale the next mortgage holder accepted the terms and conditions and then the mortgage was sold again to Ditech which is when in XX/XX/XXXX they started to play games and ask me to open up a new loss mitigation program because they did n't want to honor a binding agreement with the previous lean holder. I refused on account of them wanted to raise my interest rate back up from 2 % to 8 %.
I will attach this agreement if I am able to send to you. Now I am foreclosure and attorney has suggested that I file a complaint with you.
Best Regards XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-13
Miami, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-13
Bremen, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: On the XXXX of XXXX I discovered that my home of 20 years was in foreclosure to be sold on XXXX. Needless to say, I went into panic mode. I immediately called my mortgage company to see if there was anything I can do. I spoke with a XXXX at extension # XXXX. She stated that I was offered a flex medication in XXXX and why I did n't take it. I told XXXX I never received the information. XXXX put me on hold for 5 minutes and came back to the phone and stated she just spoke with the loss mitigation department and they said I had to make those trial payments. I ask XXXX how much do I need to pay now. She gave me a figure of XXXX. I made a payment of {$600.00} on the XXXX of XXXX I made another payment on the XXXX of XXXX for {$600.00}. Called Ditech on the XXXX and spoke with a XXXX at extension XXXX. She stated the trial payments should have been {$630.00} for XXXX, {$630.00} XXXX and {$630.00} for XXXX. So my last payment should be {$710.00}. Called on Friday the XXXX of XXXX to make the last trial payment of {$710.00}. Spoke with XXXX at extension XXXX. I told her Ditech has been working with me on the flex medication and I wanted to make my last payment. She would n't except my payment.I ask to speak with a supervisor, but she said she could n't find one. However, she stated she was going to e-mail someone over in loss mitigation and she would get back to me on XXXX. XXXX did contact me on XXXX the XXXX and stated someone e-mail her back from loss mitigation and stated to make last payment as soon as possible. I called back again on XXXX the XXXX and demanded to speak with a Supervisor. Spoke with a XXXX at extension XXXX. She informed me thet the flex medication was not submitted properly and that she would submit today.Now they tell me flex medication has been denied. I dodnt want to loose my home. Please help me please.
Thank you so very much.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-11-13
San Jose, CA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I had a loan with XXXX XXXX XXXX XXXX and Ditech bought my loan. My monthly loan payment with XXXX was {$4200.00}. My first payment with Ditech was on XX/XX/XXXX. I paid Ditech {$4200.00}. I called Ditech to inquire about PMI and Ditech told me my loan amount would go down to {$3600.00} starting XX/XX/XXXX. They told me they sent me a check for {$8300.00}. I called and asked them about {$8300.00} and they told me they made a mistake and reinvested {$8300.00} back into my mortgage. My monthly payment remained at {$3600.00} until XX/XX/XXXX. My mortgage went up to {$4500.00} per month. I called and asked them why it went up to nearly {$1000.00} a month and they told me my taxes went up. My taxes never went up. I will send you my tax bills for this residence. I do n't know how may payment can go from {$4200.00} to {$3600.00} to {$4500.00}. How can a mortgage company ask me for {$1000.00} a month more? They will not budge on this. I now have to come up with {$1000.00} a month more.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-11-13
Gloucester City, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-13
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-12
Finksburg, MD
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My XXXX mortgage payment was made to Ditech Financial on XXXX XXXX in the amount of {$1600.00} on the online Ditech bill pay feature on their website. The website only allows you to enter the account number and routing number one time into their payment system when entering the payment. I provided the payment information and selected confirm payment. I received a confirmation email advising payment was submitted. On XXXX XXXX I received a letter in the mail advising me that my payment had not been applied and that I had been marked as 30 days late and a late fee was applied as well. I had the money in my bank account and because a XXXX was left out inin the account number section, my payment had been rejected. I immediately contacted Ditech to advise that I had made my payment on time & had I known before hand that the payment had not gone through due to the omitted XXXX in the routing number, I would have resubmitted the payment before it was marked late. I then made a double payment over the phone.
The online system at Ditech does not allow the customer to entering the routing number twice to make sure the numbers are correct in order to prevent any errors. Ditech did not contact me by phone after the payment did not go through and and I did not get an email either. Since a letter was sent instead and it arrived causing the payment to be reported as 30 days late. When I asked Ditech to remove the 30 day late notice, they advised that they would not do this. I have paid the late fee, and having the 30 days late has caused my credit score to drop by 80 points. I have small children and the area I currently live in has become more rampended with crime.I am trying to buy a house in a better area, and now the 30 day late is causing me to not be qualified to buy a home. I have never been 30 days late on my mortgage with Ditech.
If needed a bank statement can be show showing the money was available on XXXX XXXX for the payment.
Company Response: Closed with explanation
2017-11-11
Phoenix, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Complaint: Hello, My Bankruptcy included my home in XXXX WI that is now serviced by Ditech. My Bankruptcy was discharged in 2015 and has always shown as discharged under bankruptcy however they are now reporting that I owe and the account it open showing amount due, days late etc. I never reaffirmed the loan and under the Fair Credit Reporting Act they are falsely reporting and this is a legal liability on Ditech 's part. I appreciate your assistance as this is causing a serious issue for me with my credit that I have worked so hard to rebuild since the losses of divorce and bankruptcy. I was on hold with Ditech over two hours and they did not take my call.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-11-11
OH
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My mortgage was acquired by GreenTree/Ditech financial.nearly 3 years ago. Shortly after it was acquired they proceeded to modify terms of it even though I had gotten a letter that stated that nothing would be changed in terms of my 1999 loan. First the stopped applying excess funds to my loan balance and told me it was their policy to do it. Then they told me that they were going to start escrowing my account even though I have never had one to make it easier to resell and continue serving loan. This not only added escrow fees but gave them free loan of funds to use. I refused to agree and continued paying my taxes myself and paying mortgage. They stopped applying funds to my mortgage some time ago and placed them in escrow or somewhere else and withheld thousands from loan payment and run up late fees, extra interest and damaged credit to make it impossible to refinance loan. Talking to them about it is a waste of effort. I can documentment all payments sent to them in a timely manor. Concerned I could possibly loose house
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-10
Alta, CA
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: Good morning.
In XXXX of XXXX my mortgage was transferred from DITECH Mortgage to XXXX Mortgage. In the process DITECH reported that I had not made my XXXX, XXXX and XXXX payments. This was not the case. I called DITECH and spoke to a CSR on 5 occasions in the past 40 days. Each time they told me it was an error on their part and that it would be fixed. In the past 40 days I 've received 6 foreclosure packets in the mail and the new loan servicer, XXXX shows that I 'm in default and will NOT accept my XXXX or XXXX payments. I 'm stuck in mortgage lender XXXX and ca n't get out. Can you help?
Company Response: Closed with explanation
2017-11-10
Eden, AL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: On XXXX XXXX, XXXX I began a process to refinance my mortgage loan in an effort to lower my interest rate from 8.625 % to 3.875 %. Ditech Financial LLC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX is the loan servicer. XXXX XXXX at Ditech 's XXXX XXXX, Pa. location was the loan officer involved. XXXX XXXX was the one who gave me the refinance rate of 3.875 % for a 15 year fixed refinance. XXXX XXXX " promised '' a lot, like saying : 1. " if we continued making the same payment after the refinancing, we would pay off the loan in 10years and 1 month. '' 2. " pay for the appraisal usually around {$500.00}, and skip the first payment after refinancing in return. '' 3. " receive a {$200.00} gift card for ( military ) service appreciation. '' XXXX sat up XXXX XXXX XXXX XXXX in XXXX, XXXXL XXXX. During my conversation with the appraiser at my house, he informed me they contract with many companies and preform appraisals, I knew someone who wanted/needed an appraisal and asked him what the cost was? He explained to me ; rarely do the receive what the " company '' charges the customer ( usually under {$250.00} ), but for an individual around {$400.00}. This began my distrust with XXXX XXXX. XXXX XXXX, XXXX @ XXXX ( Friday ) : Sue at XXXX XXXX Title called me and left a message ; asked if I had a Certificate of Origin for my manufactured home? She explained to me Ditech should have it, it " should '' have been issued by my home 's manufacturer ( XXXX ) and sent to the original lender ( XXXX XXXX, then transferred to XXXX then Ditech ). XXXX ( Monday ) : I returned Sue 's call and spoke in detail about what a Certificate of Origin was, if Ditech could n't produce it, and if I did n't have a copy of it, what I would have to do ( get a XXXX XXXX ). She informed me Ditech had a " XXXX XXXX '' but was not the needed document ( XXXX of XXXX ). XXXX XXXX, XXXX : I emailed XXXX XXXX : I questioned him about why Ditech would be overcharging me? He assured me they " had no control over this '' cost. XXXX XXXX : Email to XXXX XXXX : why have n't you contacted me? Now a new problem : no one knows where the XXXX of XXXX ( CO ) is. XXXX XXXX, XXXX : Email to XXXX XXXX cant I get an answer? ( cc 'd my wife ... see XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Solutions called me trying to collect {$470.00} for an appraisal. XXXX XXXX, XXXX : email to Ditech and call to XXXX XXXX XXXX : this is Ditech 's problem. In the mean time I contacted the mfgr. of my home trying to find out if a XXXX of XXXX ( CO ) could be obtained? No, XXXX bankrupted XXXX. XXXX XXXX, XXXX : XXXX XXXX sends email to XXXX XXXX : what is needed and why is he being asked to provide document they should have? XXXX XXXX, XXXX : XXXX XXXX sends email to XXXX ( my wife ) she fwds to me ; message he received from XXXX XXXX stating ( brief ) : " Ditech requires the XXXX title to be deactivated and for property to be converted to real property. The borrower would have to get a Surety Bond, then apply to the state to get titles so that we can have them deactivated which will take 6 to 7 weeks. '' XXXX XXXX attaches a note : " XXXX it looks like we cant do the deal until the below is completed I hope the explanation below helps. '' XXXX XXXX, XXXX : email to XXXX XXXX asking for help obtaining needed documents or help with a Surety Bond.
XXXX XXXX, XXXX : email to XXXX XXXX asking for help obtaining needed documents. XXXX XXXX, XXXX : email to XXXX XXXX asking for help obtaining Surety Bond. Sometime between this date and XXXX XXXX, XXXX I had received calls wanting to know, did I want to proceed with the refinancing, I replied : YES. I called to check the status and spoke with a XXXX XXXX, she informed me the loan had been cancelled by XXXX XXXX. XXXX XXXX, XXXX : Filed complaint against XXXX XXXX to Ditech. XXXX XXXX, XXXX : email to Ditech customer service asking for help since the unauthorized ( by me ) cancellation of the refinance process. XXXX XXXX, XXXX : email from XXXX XXXX : Get another loan officer. I replied ; really do n't want to seek legal action, can I get help? XXXX XXXX, XXXX : Received a letter from Ditech ( brief ) : ... reviewing my request ... ..in an effort to provide " me '' with a solution. XXXX XXXX, XXXX : Received same letter from Ditech, just a different date. ( I have copies ). XXXX XXXX, XXXX Letter from Ditech : Notice of Servicing Transfer to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX. XXXX XXXX, XXXX : I called this new servicer updated all my information with them ( everything* ) and explained to them ( in detail ) ; Ditech is giving them a loan that the house can not be proven exists because there is no record of it ( XXXX of XXXX, XXXX, etc. ). XXXX, asked for my permission to request the doc 's from Ditech. I continue to tell her : " THEY DO N'T HAVE THEM ... they gave you a bad loan, but this is how they operate '', that " this should be turned over '' to their " legal department '', but XXXX kept asking me : " is there anything else we can help you with? '' Nooo thank you. But when I asked : " by the way, does XXXX do refinancing? ", the answer was, no. XXXX XXXX, XXXX : Received a call from XXXX XXXX XXXX : " Just wanted to *update your information ''. left doesnt know what the right is doing. Ditech 's refusal to resolve these issues by ignoring my requests are unacceptable. It has cost me multiple hours of grief ( attempting to locate documents they should have in their possession ), refusing any help in locating, or share cost due to their incompetent business practices, thousands of dollars in monetary losses due to the high interest rate and multiple thousands in future interest rate costs ( now that they have transferred my loan to a company who admittedly " does not refinance '' ). Companies like this should not be allowed to operate in this manner. I 've experienced similar operations with XXXX. Getting through to them by a peaceful solution is n't acceptable by them. My issue continues ; Refinancing with another company ( other than who is the lender ( manufactured home ) requires it be on a permanent foundation ( which is not required during the initial purchase ), at a cost of appx. {$5000.00}. on XXXX XXXX and Social Security, it wo n't ever happen, my insurance for homeowners is over {$2000.00} a year that is quite impossible to afford. No wonder so many people loose their homes to these predatory companies. When XXXX foreclosed on me while I was XXXX, I thought there was no help, I was wrong. I hope the same applies here. Who knows how many people have been treated this way. Any help stopping Ditechs abuse will be appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-10
Galena, OH
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: A couple years ago, I XXXX XXXX XXXX and was off work for several weeks. This took a toll on our finances. Then my husband lost his job and we were struggling to make ends meet. I applied with Ditech and have been denied help on three different occasions. I have had one lady who has been nice to me on the phone. Anyone else has been very rude and not willing to help. I have been hung up on, told they can not help me, and I was told not to pay. Around XXXX XXXX, I tried to pay the amount in full that was owed and they told me not to pay it. Never gave me a reason. They said if I were to send in a check it would be sent back to me. This summer, I contacted Neighborhood housing in our county and the lady has been nothing but kind and helpful in trying to help us keep our home. She has been going back in forth with them over the last few months and they have also turned her down two times. This last time she tried again and we were denied again. This time for having too much income and the payment is affordable. The lady from neighborhood housing called and asked if they reviewed for a partial claim, where they can put 12 payments into a 2nd mortgage payable AFTER you payoff the 1st mortgage, but that would mean you would have to come up with the difference IF they cant modify, and it is not unusual for them to do both, but didnt get a straight answer, other than that it is what it is.The time back in XXXX we were denied because investor does not participate in the FHA Standard Modification. The last time we were denied was because we did n't make enough income. I see there is a lot of complaints against Ditech and this makes me sad and very scared. We are a family of XXXX and all we want to do is pay our mortgage and keep our home. We have lived here for 9 years and raising our family here. We do not know what else to do. We have tried working with them and do not know where else to turn. Can you please help us keep our home? Thanks so much for taking the time to read this.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation