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 92
2017-11-10
Escondido, CA
Trouble during payment process
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
2017-11-10
OR
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ditech in XXXX, Calif. refuses to credit my principal payment of XXXX, they received and cashed on XXXX XXXX, 2017, they continue to say they never got payment OVER PHONE AND ON THEIR WEB SITE, even though I faxed them cancelled check, the check had the account no. and property address on it too. This seems illegal and not fair to me.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-11-10
San Diego, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XXXX I was granted the loan modification, which included a modification incentive program, the mortgage carrier will credit the principal {$1000.00}. a year for five years, requiring the payment not to be late more than 30 days or it will be cancelled. XXXX XXXX XXXX credited my account on XX/XX/XXXX and on XX/XX/XXXX my loan was transferred to XXXX XXXX, which credited my principal on XX/XX/XXXX complying with the original contract. On XX/XX/XXXX the loan got transferred to Ditech Financial LLC, which did not credit the mortgage principal for the years XX/XX/XXXXand XXXX. Since my payment was deducted monthly from my checking account I did not realize it was not credited. I started looking to refinance and as I went through the payment history I noticed it. I called several times, they promise an answer. I spoke with a manager at Ditech Financial LLC named XXXX at extension XXXX. She sent me an email that said the issue was resolved and it was cancelled because I was late. We looked at the history together and she agreed that my payments were never late, she promise to look in to it. I mentioned that I was going through a refinance and she made clear that they would credit the {$2000.00} and if I refinance before the account was credited that I would receive a check for the {$2000.00} I was owed by XX/XX/XXXX. It is now XX/XX/XXXX, I have made multiple phone calls and left multiple voicemails and have not heard back, gotten an answer, or received the refund of {$2000.00}. This loan is no longer with Ditech Financial LLC. I will attach a copy of my payment history.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-09
Fort Pierce, FL
Took or threatened to take negative or legal action
Debt collection: Mortgage debt
Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-09
Harsens Is, MI
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: On XXXX XXXX, I contacted Ditech to see what I could do about our mortgage. I would have called sooner but I had knee XXXX XXXX XXXX and I was in a lot of pain. I beleived I spoke with XXXX. She told me not to contact a lawyer and told me a list of documents ( see attached ) I needed for a loan modification. I was under the impression that when I sent the documents in my account XXXX # XXXX ) would be put on hold. I faxed documents XXXX. A couple days later I called back. My account was not put on hold. The person I spoke to told me I need Uniform Borrower Assistance Form and 4506-T form. They then told me 24 hours after they recieved the 4506-t form that they would put my account on hold. They were very specific in this statement. I faxed the requested documents on XXXX. I was still unable to walk without crutches and was still in a lot of pain.
On XXXX I called to see how the Load Modication was coming. I was told that my house was scheduled to go to sale tomorrow. I asked to talk to a supervisor. She said that it was up to her to do a loan modification but she would not do it. She said all I could do was show up XXXX with {$6200.00} and that they would stop the sale. She gave me a Massachusetts address and we live in Michigan. I learned that they have an office in XXXXXXXX XXXX XXXXhich would take only XXXX minutes to get to.
I called XXXX at least XXXX times. I left message for XXXX and I spoke to XXXX.
XXXX told me if we email them proof of funds that they would stop the sale.
At around XXXX XXXX, my mom and I went to my mom 's bank XXXX XXXX XXXX. My mom told me she would lend me the money. We spoke to the bank 's XXXX XXXX XXXX about the situation. I told her I was n't comfortable sending account info to XXXX without verifing it first. XXXX the Bank 's XXXX called XXXX from Ditech. XXXX said that if we went proof of funds that they would postpone the sale. We also told him that we could make a payment right now. He said that we had to make a payment to XXXX and that it would take about 3 days to get a statement with the amount to them. I told him that I was willing to make a payment for a larger amount but they would not take it from us. He also said that he could n't send a statement to XXXX because our property was scheduled for sale.
We sent the email to XXXX. I also asked them if the would accept a larger payment but they sould no. I figured they could send us a refund later or apply towards the next mortgage payment. They said evan if we had the exact amount due XXXX which I was given the day before ) that they would not take a payment until they received a statement from Ditech. They told me that they forwarded the e-mal to Ditech at XXXX XXXX.
Monday we had a noticed posted on our door that the property was sold. I called XXXX XXXX court at XXXX XXXX XXXX XXXX. They said that they had all day Friday to stop the sale. XXXX after the time of sale they had all day to call and post pone it for a week.
I spoke to the following people at Ditech ... .XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX supervisor. I have the following phone # ...
( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX my account # is XXXX.
I spoke to XXXX & XXXX XXXX from XXXX. There account # is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Pleas Help!!! We are desperate!!!! I have a son in XXXX XXXXl and a mom ( whom I take care of ) who is XXXX XXXX XXXX and lives XXXX minutes away.
I can be reached at XXXX XXXX XXXX XXXX. Please leave a message because we have been screening calls.
Just an XXXX, my husband is looking for work and selling crafts.
THANKS FOR YOUR HELP!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-09
Snohomish, WA
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: Long story short. I was in a substantial XXXX XXXX XX/XX/XXXX. We were XXXX XXXX XXXX XXXX XXXX. I have a XXXX XXXX XXXX XXXX XXXX. I was out of work for several months. I have some savings left and made Ditech a settlement offer for approximately {$10000.00} less than what i owed. They treated it like a Short Sale and buried me in paper work, kept telling me I did n't send them my signed XX/XX/XXXX tax return. I sent it 3 times. They told me they never received it. After months of going back and forth, they denied to have the underwriter look at it. I dealt with numerous employees at Ditech none were cooperative or helpful. XXXX XXXX their Manager told me he had sent the papers in at one point. Lies, Delays and denial. I told them all this was not a Short Sale it was a settlement offer. I 've been in this home 22 years. I never missed a payment. I just wanted the debt off my back while I 'm healing. Recently I cancelled my escow, They sent me a letter telling me I needed to pay my taxes so I did. They sent the taxes as well. Now I have {$3100.00} tied up in their escrow trap and they are delaying sending the check. They said they wired it to The XXXX XXXX XXXX. The treasurer told me they never got it and that they would not get involved. I am so sick of this company and their customer service. I do n't need the extra stress in my life after my accident. Can you please help? I have since paid off my mortgage, but I ca n't get anyone to help me get my escrow money back. Thanks XXXX XXXX XXXX Ditech customer # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-09
Albion, NY
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: I assumed the mortgage account # XXXX with Ditech on XXXX XXXX, XXXX. The first payment was due on XXXX XXXX, XXXX. The underwriter suggested that I should wait few days, since the date due is too close to the closing date. I called to make the payment on XXXX XXXX. The representative told me that the payment of {$14000.00} plus was due on XXXX XXXX, and there is no other information available. He suggested to wait till XXXX XXXX. I did, and was told I was mistaken, and the payment was due on XXXX XXXX in the amount exceeding {$14000.00}. They could not find any assumption papers, and suggested to monitor account electronically. I did, and to this day nothing had changed. Even when I specifically pointed Ditech XXXX XXXX XXXX, XXXX # XXXX to page XXXX of XXXX, paragraph XXXX, Assumptions of original Terms, she said that she is looking at the page and sees XXXX XXXX, and accused me of lying. I never received the signed copy of the agreement from Ditech, as required by law, it was n't registered XXXX XXXX of XXXX as far as I could find out, and Transunion has no knowledge of mortgage in my name. However, I have the copy of the papers I signed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-09
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
2017-11-09
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-09
Erwin, TN
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-11-09
Delaware, OH
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-11-09
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-11-08
Woodland, WA
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: I have had a personal loan for several years. It was originally through XXXX XXXX and then was transferred to Ditech. A notice was sent to me on XXXX XXXX, XXXX stating that our loan was being transferred to XXXX XXXX XXXX The notice stated that " Ditech will stop accepting payments received from you after XXXX XXXX, XXXX. '' I called and made a payment to our new servicer on XXXX/XXXX/XXXX and the same day noticed a second charge for the same amount for an ACH payment. I called Ditech and was told the automatic payment was not cancelled. I let them know I am unable to afford a double payment and need this corrected and reiterated that their notice stated no further payments would be collected by Ditech. I requested to speak with a supervisor. She put me on hold and kept checking back with me and asked if I wanted to request a call back which would take up to 48 hours. I told her I needed this resolved ASAP.
I continued to hold until she let me know her supervisor was now available and said she would transfer me to her. She transferred me and it went straight to a voicemail for a XXXX XXXX. I left a voicemail stating my issues and let her know I needed it resolved ASAP.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-08
Las Vegas, NV
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-11-08
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-11-08
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with monetary relief
2017-11-07
Houston, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XXXX/Ditech Complaint concerning XXXX I purchase Hazard and flood insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX underwrites hazard XXXX underwrites flood insurance See attachment # XXXX XXXX XXXX send {$1300.00} bill for flood insurance escrow pays marks payment as hazard See attachment # 2 pg XXXX XXXX XXXX XXXX XXXX sends {$1300.00} bill for flood I insurance escrow pays See attachment XXXX XXXX XXXX XXXX XXXX sends notice of bill to homeowner marked Do not pay we have billed your mortgage company See attachment # 4 XXXX XXXX XXXX sends bill for hazard insurance to Ditech escrow does n't pay See attachment # 5 XXXX XXXX XXXX sends bill for hazard insurance a second time to Ditech escrow does n't pay again XXXX XXXX cancels hazard insurance XXXX Hurricane XXXX hits XXXX damage to my home XXXX/XXXX/XXXX Receive letter from Ditech dated XXXX/XXXX/XXXX informing me I dont have hazard insurance and they are buying insurance for me at higher rate.
See attachment # 5.5 XXXX/XXXX/XXXX Call to XXXX ( my insurance broker ) informed no hazard policy in place XXXX and XXXX They will investigate why.
XXXX/XXXX/XXXX XXXX explains that the hazard insurance was not paid in XXXX XXXX XXXX/XXXX/XXXX call to ditech told story " they will look into it and call back '' XXXX/XXXX/XXXX Call to Ditech cust service XXXX XXXXook time to look into situation while I hold Comes back on and explained that yes Escrow made an error and transfers me to Insurance dept. Cut off XXXX/XXXX/XXXX call to Ditech Customer service XXXX she figures out what is going on transferred to insurance dept. XXXXXXXX XXXX write a Quick Claim Policy Gives me Claim number XXXX Say I will be contacted by claims XXXX/XXXX/XXXX call to ditech XXXX XXXX voicemail msg give claim number XXXX/XXXX/XXXX Call from Claims XXXX XXXX still waiting for policy to be written XXXX call to Ditech Claims dept XXXX XXXX waiting on policy number ( three call like this ) XXXX/XXXX/XXXX XXXX Calls to Ditech Insurance Dept spoke with XXXX then XXXX then XXXX transferred to Claims Spoke with XXXX then XXXX then XXXX XXXX/XXXX/XXXX Call to Ditech XXXX checked facts transfer to insurance spoke with XXXX. Assurant to write policy decision is with upper management XXXX/XXXX/XXXX receive call from XXXX XXXX informed it will cost me {$3900.00} to get a policy in place. Ditech has decided its not their fault. Asked to speak to supervisor. No was the answer XXXX/XXXX/XXXX receive call from XXXX XXXX XXXX I asked what the deductable and coverage was. The response was " you wont know until payment for policy is received '' I ask for supervisor Not available XXXX/XXXX/XXXX I discover that XXXX is the parent company of Ditech, and XXXX XXXX XXXX XXXX/XXXX/XXXX received email from XXXX with address for payment. No information on whom to make check out to or policy details. Replied asking for additional information. See attachment # 6 XXXX/XXXX/XXXX Call from XXXX adjuster XXXX XXXX XXXX comes by and looks at my home. I give him the short version of what is going on and he remarks Youd be surprised how often this happens XXXX/XXXX/XXXX I am awaiting a response from XXXX and filing this complaint.
Bottom line is am being required to send {$3900.00} to a XXXX XXXX for a policy without knowing any of the policy details ( deductable or coverage ), for a mistake Ditechs escrow department made back in XXXX in order to get the hurricane damage to my home repaired Does this seem right to anyone?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-07
Erwin, TN
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-07
Huntington, WV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I was denied a small loan for a used car {$5700.00} because the mortgage holder has not pursued their foreclosure action they said they would be taking. I informed XXXX of 2017 I was not able to redeem the amount owed and they should move forward with foreclosing. The company, Ditech Financial LLC, is falsely reporting I am in a payment agreement with them and this is adversely affecting my credit reporting.
Company Response: Closed with explanation
2017-11-07
Memphis, TN
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with monetary relief
2017-11-06
Lena, OH
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ditech and their 3rd party Vendor, XXXX, 1 ) Created an escrow account for my loan when I paid extra interest % to NOT escrow my taxes or insurance. Verified with XXXX County Treasurers office, Taxes never late or delinquent, and provided ownership details on other parcels paid for with my funds. All taxes paid on time for my parcel since XX/XX/XXXX, per XXXX County Ohio.
2 ) Attached 4 additional parcels to this escrow account that I do not even own.
3 ) XX/XX/XXXX, Automatically withdrew {$3000.00} for a mortgage payment of {$1100.00} 4 ) Failed to refund excess funds withdrawn for 30 days ( {$1900.00} - funds due on another loan ) while this issue was being " escalated ''. This forced me to dispute payment with my Financial institution 30 DAYS after the error occurred, and they would not refund my money. ( I immediately paid the correct amount of {$1100.00} as soon as funds posted back into my account ) 5 ) Blamed each other ( and me ) for errors while failing to fix the situation and refund causing me to fax tax parcel ID from my mortgage documents as proof. ( sent XX/XX/XXXX ) 6 ) This error ( and their interference with my taxes ) occurred with my parcel in XX/XX/XXXX, but county sent funds back, as taxes were paid in XX/XX/XXXX.
7 ) Refused to request funds paid to county on my parcel, per my request, XX/XX/XXXX. " Reverse all parcels and let me pay my taxes to the county, as my mortgage states ''. Idea was to reverse entire situation, and start over.
8 ) I have made payments each and every month since in the amount of {$1100.00} but Ditech has failed to apply them to the loan since XX/XX/XXXX. These payments are being held in an " unapplied funds '' account.
9 ) I ( and my ex spouse ) have had derogatory information provided to the credit bureau by XXXX.
10 ) No dispute was initiated until XX/XX/XXXX, which is totally unacceptable!.
11 ) Dispute resolution letter received XX/XX/XXXX fails to address any of the issues and is TOTALLY UNACCEPTABLE. It fails to address my more than 40 contacts to try to resolve this issue. This resolution was sent electronicly, but attachment would not open or download. No Mail delivery of notice until requested XX/XX/XXXX. Ditech was made aware in XX/XX/XXXX that I received something I could not open. All other notices have been delivered by mail.
12 ) After another ( and final ) reach out by XXXX County to XXXX XXXX at Tax Department for XXXX XX/XX/XXXX with no response, I paid tax funds in question on XX/XX/XXXX to Ditech.
13 ) Still no response from Tax department forced me to submit the following A ) Letter to Refute their dispute resolution, B ) 17 pages of documentation of the error to the fax number provided on the dispute resolution letter on XX/XX/XXXX. I left a detailed message for " XXXX '' my account representative of record. To date, No response.
14 ) As of XX/XX/XXXX, The automated system has not updated to reflect my payment of the taxes, and my mortgage payment for XX/XX/XXXX. It still indicates an outstanding balance of {$2000.00}.
I have NO FAITH that Ditech will resolve this issue, explain how it happened, and will not accept any responsibility for an error they created. I have gone through their dispute process, with no resolution or assurance that it wont happen again. I have been dealing with for 7 months now, and believe my rights in this case have been violated.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-11-06
Lexington, NC
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I lost a job in XXXX 2017. I notified the Ditech LLC mortgage company that i was seeking HUD counseling and that i started a new job but with much lower pay. With a counselor on the line the mortgage company agreed to do a payment plan each month until i was current. A month later i attempted to make a payment over the phone and i was told i was misinformed and that i could not make a payment below 50 % of what was owed as my loan is an FHA loan. This caused me to become further behind as i could not make a payment each month that was satisfactory. The company is now trying to foreclose my home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-06
NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My husband and I have a 2nd home condo mortgage with Ditech.
the mortgage was an ARM mortgage that changed in XXXX XXXX and became 6.625 % fixed mortgage.
We were solicited by Ditech to refinance.
My husband started discussing this with an agent in XXXX XXXX.
Ditech stopped my paper statements in XXXX XXXX.
I had the mortgage payment automatically set up with my bank and continued to pay my monthly payment on time to Ditech.
I realized that my payment had changed and that I was not getting paper statements in XXXX XXXX.
During this time we found out that Ditech stopped applying my payment and instead listed it as " funds in suspense '' Ditech reported our mortgage as being late to the credit monitor companies.
On top of this, Ditech said our mortgage was an extra XXXX a mth, and that we were behind XXXX and they charged us a late payment.
To this date my husband and I have ; 1 ) We stopped the refinance request because it looks like Ditech wanted to put us in a short sale and to do this they had to show we could n't make our mthly payment.
2 ) Requested to have paper statements sent to us again so we could see how they were applying our money to the mortgage 3 ) We have paid the extra XXXX for 2 of the 4 mths we are behind. the next two will be paid this mouth.
4 ) We paid a late fee of XXXX XXXX ) We paid an escrow shortage of XXXX we were billed for during this time.
6 ) We asked Ditech to take away the report to the credit monitoring companies that show we were late on our mortgage and they would n't do this for us.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-11-06
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation
2017-11-06
Alexandria, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Ditech, the company who services my mortgage loan violated my XXXX XXXX XXXX rights, as well as fraudulently added an escrow to my account in XXXX.
At approximately XXXX XXXX, XXXX, I called Ditech to return a voicemail message. At that time, I found out that Ditech had added an escrow to my loan account, with no prior notification to me, in the amount of over {$19000.00}. In addition, Ditech violated my right as a XXXX member, as I have had XXXX waivers on file, beginning with Tax Year XXXX, with the XXXX County Tax Appraiser 's Office in Texas. I have had the mortgage loan since XXXX, and have made standard payments of {$880.00}. My payments have always been paid on time and in full. In addition, my property taxes were paid separately since loan origination.
I have discussed the situation multiple times with various customer service representatives at DiTech. They acknowledged receiving the fax on XXXX XXXX, XXXX and keep it on file. At one time, a representative stated the taxes had been reported as delinquent. When I called the XXXX County Tax office, they stated no such report was made. In addition, the XXXX County Tax office called the XXXX County Appraiser 's office to ask the same question, while I was on hold on the other phone line, and verified that the Appraiser 's office also did not report the taxes as delinquent. During a follow-on phone call with Ditech, a representative apologized for the error and stated that the loan would be adjusted. During another phone call, a representative stated that once they receive a refund from the XXXX County Tax office, they would adjust the loan.
When I called Ditech on approximately XXXX XXXX, XXXX, to request any form of documentation proof that taxes were reported as delinquent, the representative stated there was no hard copy and that it " may '' have been an electronic notification to them. In the same conversation, the representative stated they had received a " Redemption Report '' and had indeed been informed of a XXXX waiver.
Ditech currently has a payment balance for the month listed on my monthly statement of {$6200.00}. In addition, my payments of {$880.00} have not been reflected in the monthly statements. They have also created a lien on my house. They amount on my credit report also reflects an erroneous balance, due to Ditech 's infringement on my XXXX waiver rights.
Since the time of my notification, they have mailed out letters on refinancing and foreclosure and have failed to address the real issue.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation