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 93
2017-11-06
Arvada, CO
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: In XX/XX/XXXX of this year, I completed my Chapter XXXX bankruptcy. Being a single mother, it was a struggle but at the end of it all, I was proud of myself that I fulfilled all the conditions and still had a roof over my head for my son and me. However, in XX/XX/XXXX I began the process of refinancing my home and in doing so, discovered I was behind 3 months on my mortgage payments. This was news to me as I had NEVER received any type of notification, nor phone call ; nothing, to advise me that I was behind! While on a three way call with my mortgage consultant on XX/XX/XXXX, the Ditech representative told me a letter was sent to my lawyer regarding the changes to my account in XX/XX/XXXX. As I reviewed the letter I noticed I was not CC 'd on it. What if my lawyer was sick, what if it went to the wrong address? Lots of what ifs but should n't I have been contacted????? The payments went up from {$820.00} to {$1100.00}!! That is {XXXX}!! It may not seem like a lot but raising a child on my own, I have to count EVERY PENNY and this just killed me!! Then I was told that to not have it reported to credit, I needed to pay {$3200.00} to stay current! It took me 5 years to build my credit in hopes to have some freedom and now, to save my credit, I had to take out money from my 401k to cover those " late payments ''. Even after the fact, not one letter, phone call, nothing to advise me that I was behind!!!!! This not only ruined my hopes of building something better for my son and I but it has damaged my credit, ruined any chance of getting a refi for a year, etc. If I would have known about these changes, I would have paid the correct amount and saved myself this problem. Now, they wont do anything to help me!! In looking at my statements, nothing shows that my payment went up!! I asked why I was not contacted and they said it would be considered soliciting. Funny how other companies dont have a problem calling. I sent an email to my bankruptcy lawyer on XX/XX/XXXX asking for advice but have not heard anything.
All I ask is that they take into consideration why the full amount was not paid because Lord knows if I would have known, I would have paid the correct amount. If they could reverse the negative impact on my credit score and note that the mortgage payment would have been paid on time ( if I knew about it ) I would be ok but it just floors me that not one phone call nor mailed document was sent to me to prevent this from happening!!! Now, I have to wait a year to refinance because Ditech shows me as being 3 months behind on payments. Almost {$1200.00} to pay my mortgage with no accessibility of getting that adjusted due to THEIR error!! I can barely make it as it is and now they can pretty much do what they want because they have me locked in again!! Its simply not fair!!!!! They should not be allowed to do this!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-06
Okc, OK
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-04
Clutch City, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-04
Frisco, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-11-04
Venus, PA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-03
Belle Haven, VA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: My wife, XXXX, and I started to see discrepancies in our statements that did not match up with any normal late fee charges. On our XXXX/XXXX/XXXX statement from DiTech it showed a charge ( XXXX ) added. When we contacted XXXX @ Ditech on XXXX, we were told that they did not receive any payments for XX/XX/XXXX The statements show that the payments we were making were going into a " Misapp Rev '' account. XXXX saw a problem and stated that she would send the account for review to have it corrected. We continued to receive statements with more collection messages threatening to foreclosure on our home. In XXXX, there were XXXX XXXX in the family and in XXXX my wife contacted DiTech to ask for an extension. They refused because they told her they did not help with that because we had a XXXX XXXX XXXX loan. So, this year we have made some late payments but every month was paid in the end. We show that we are paid in full at this time and are getting ready to pay XXXX 's payment. On XXXX we contacted XXXX again and were told that an audit was done in XXXX XXXX and payments were found from XXXX XXXX that were kicked back. No information would be given on where they went. Further review shows that payments we made to the prior mortgage company ( XXXX ) were on Ditech 's page and {$3700.00} payment was not one we made ( from XXXX transfer? ) A payment we show from XXXX XXXX is not credited to our account as well. It looks like DiTech took the difference in these amounts and reallocated somewhere and now are saying we owe and are in default of our loan. We agree that payments have been late BUT every payment was made from XXXX XXXX present when XXXX transferred the loan to DiTech XXXX We do not understand why we are being told to go to our bank and collect the last 2 years of statements to prove we made a {$2400.00} payment when that is not an amount we would have ever paid. It seems as if DiTech made a numerical error when the loan transferred and they are now making us responsible for paying for it. Is n't it their job to SERVICE the mortgage and not take advantage of homeowners? Any help you can provide in assisting with this matter would be GREATLY appreciated. We will be in contact with a lawyer to go over the details because we no longer feel safe in providing additional information to DiTech for them to attempt to use it against us.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-11-03
Killeen, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-03
CT
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: Ditech is fraudulently trying to imply that I owe mortgage payments on a home equity loan that my father took out years ago. They are claiming that they acquired the mortgage from XXXX XXXX XXXX which has already had to pay a {>= $1,000,000} settlement for fraudulent lending practices. Greentree is dissolved and now they are trying to fraudulently do business as Ditech. They do not own and never have owned the debt note and are in violation of the law that forbids such actions. In the words of the former Director of the FTC Bureau of Consumer Protection XXXX XXXX XXXX " it 's against the law for a loan servicer to lie about the debts people owe, or threaten and harass people about their debts ''. Ditech has been lying and unlawfully broke into my father 's property and placed locks on the house and removed his merchandise valued at hundreds of thousands of dollars. I filed an Order to Show Cause motion with the Court but it was never answered which leads me to believe that the Courts may be complicit. They also had the items removed by XXXX XXXX XXXX XXXX which is not even registered to be doing business in the state.
Company Response: Closed with explanation
2017-11-03
Montgomery, AL
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
2017-11-03
Lafayette, LA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-03
Stilesville, IN
Incorrect information on your report
Mortgage: Conventional home mortgage
Complaint: Hello, i have a home loan ( mortgage ) thru ditech which i have paid on time all the time I have had it ; onXX/XX/XXXX, i received a call from " XXXX '' at Ditech stating I was behind on XX/XX/XXXXorXX/XX/XXXX Payment and instead of the usual {$780.00} I owed, the total was now over {$1000.00}! This happened also inXX/XX/XXXX when Ditech erroneously credited a different account my payment, then claimed I was late on that XX/XX/XXXX payment, after which they later sent a letter stating they were in error and had to credit my account and waived the late fee. plus they told me a different payment amount ( XX/XX/XXXX ).
Being in a protected class ( I am XXXX ) and having all my cancelled checks of this years mortgage payments in my possession, I contacted the mortgage company several times who said they were " looking into it ''. However, instead of investigating beforehand, they have added a slur on my credit report stating i was late, which is totally false.
I will also contact my attorney general about this problem/ below find attached the erroneous credit report. Also I can send copies of the cancelled checks that were all made on time.
This company 's bookkeeping and accounting practices are a disgrace!
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-11-03
San Diego, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-11-03
Helvetia, OR
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
2017-11-03
Savannah, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-02
FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Summary of Events : 1 ) - XX/XX/XXXX completed XXXX XXXX refinance closing and my Ditech mortgage was paid off by XX/XX/XXXX 2 ) - XX/XX/XXXX Ditech autopay was not cancelled and an extra payment in the amount of {$570.00} was issued to Ditech ; I contacted the both Ditech and the bank to try to stop the payment but was told that nothing could be done and I would have to wait for a refund 3 ) - XX/XX/XXXX I called Ditech to follow up and was told that a check was issued on XX/XX/XXXX 4 ) -XX/XX/XXXX called to follow up because no check was received but I had received other Ditech mail dated later than XX/XX/XXXX. Representative confirmed that check in the amount of {$570.00} and change had " been mailed out onXX/XX/XXXX '' and said that they could not do anything about it until 30 days after the date the check was sent.
5 ) - XX/XX/XXXX sent a complaint via the Ditech Website, received the following response " Thank you for your recent inquiry. Your request is being reviewed and we will respond via U.S. Mail to the address of record. '' Based on my research of complaints about this company, this is a common occurrence and " 30 days '' is their typical response for delaying payments due back to customers. From what I have read, this will continue for a number of rounds while I am put off for another " 30 days '' multiple times for various reasons. Some people complained about just giving up and never receiving payments.
First of all, I do not understand why they are not refunding the entire overpayment. I also feel like I should not have to fight or follow-up multiple times to get back a payment that is owed to me. I would appreciate any help that CFPB can provide to make sure that Ditech complies with RESPA rules and regulations.
Thank you!
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-11-02
Milwaukee, WI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My mortgage loan has transferred between multiple mortgage companies and services in a short time frame. From XXXX, to XXXX XXXX XXXX to Green Tree to Ditech in about late XXXX. In the process it appears that some of our payment history has been lost and continual changes in the format and communication of mortgage bills and escrow history have created what appear to be major errors in the reporting of my escrow balance. I wont this property with with a co-brorrowe who sometime around XXXX filed for bankruptcy. At that time, Green Tree discontinued detailed reporting of my payment history and escrow, but then after the bankruptcy was discharged began to state that my mortgage was past due and made reporting to the credit bureaus.
Although I continued to make the mortgage payments, despite the bankruptcy situation with the co-borrow. While I did n't not agree with the reporting, I went ahead and made the increase payments in hopes of correcting my past due balance. Now, I recently received a notice from Ditech that my payments again past due. The customer service rep stated that it is due to a change in escrow amounts. I understand that taxes and insurance amounts can change and therefore create a difference in my payment on an annual basis. However, the Ditech statements are extremely confusing and all of a sudden the Ditech representative is stating that I have an escrow balance of over negative {$12000.00}. This makes absolutely no sense, if my payments are being adjusted to reflect and overage and/or shortfall of my escrow. So, how in the world can or WHY IN THE WORLD would Ditech continue to roll forward a negative escrow in that amount. That seems to be like an additional debt they are saying that I owe that I am not in a position to take on, or and I interested in taking on additional credit for this property.
I have contacted them multiple times in the past and my co-borrower has also contacted them but keep receiving varying explanations. I feel like they are taking advantage of our situation with the handoff from Green Tree and the fact that they know a borrower will try to protect their credit and might just go ahead and pay WHATEVER they say is owed. I have never heard of a mortgage company accusing a borrower of owing an escrow balance of {$12000.00} when the loan balance is about {$45000.00}, the taxes about {$2300.00} per year and insurance of only {$700.00}. This loan has only been with Ditech for less than 2 years.This seems like a scam.
Company Response: Closed with explanation
2017-11-02
Fort Wayne, IN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: DITECH IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS.
PAID IN FULL, CLOSED AND TRANSFERRED LASTLY DITECH AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-11-02
Watkins, CO
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-11-02
Discovery Bay, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I have had my mortgage with Ditech for many years, dating back to when they were Green Tree ( I believe that was their previous name ). I went through a divorce that was very difficult both emotionally and financially. The result was that I missed a few payments but was working with the team at Ditech to help me keep my home. At least that is what I thought. I worked with multiple representatives in the process and called frequently. I was asked to submit documentation that included, but not limited, to my divorce papers, my taxes, my employment, a letter of hardship, three months of bank statements, and the bills I inherited from my divorce ( alimony/child support/house valuation/etc. ). I faxed over a package and called them back to ensure they had received it and they confirmed they had but wanted some documents uploaded onto their website which I complied. I informed Dirtech that I could begin payments again on XXXX the XXXX and they assured me that they would work with me to keep my home and that there were multiple options they would work with me on. I called, as promised, on XXXX XXXX to begin making my mortgage payments again ( while the review I assumed was still going on ) and I was informed that Ditech no longer had my loan and that they had turned it over to a firm called XXXX. They said they had mailed me a letter but they did not and my history proves that every time I received something from them I called right away. I kept an open line of communication but I feel like Ditech lied and deceived me the whole time. This has caused me tremendous grief and disappointment. I was never informed of Ditech 's disposition of my request for relief and just the opposite, was continually told by multiple representatives XXXX XXXX, XXXX, XXXX, and XXXX to name a few ) that they would sincerely help. I am in a position now where I can begin payments but the new company is still counting my last payment for XXXX versus working with me on a new plan.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-02
East Gridley, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief
2017-11-01
Bakersfield, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: FHA mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-11-01
Northside, NC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-11-01
Cherry Hill, NJ
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
2017-10-31
Las Vegas, NV
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Since XXXX XXXX, XXXX, ditech has messed with my credit. At one point, Ditech took payments and applied them to escrow and therefore making me look late. I have payment history and monthly statements showing I made the payments. They do NOT CARE. On XXXX XXXX from Ditech advised that no notes were documented in my account that referred escrow payments or issues. I was behind now the month of XXXX. She advised that I was never late in XXXX and I told her " funny, you reported me to the credit bureaus 5 times! ". She said she had no documentation of that. Really?
advised her that the additional personal notes and documentation I have shown that Ditech accidently put payment funds in escrow account instead of applying to my payment on or around XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX ''. XXXX advised me there are lots of records that cant be found since XXXX merged with Ditech. Also, I will mention for documentation purposes, when this merge took place, Ditech was also was not going to honor my home modification through the original lender XXXX. In XXXX, this situation forced me to contact XXXX Nevada XXXX XXXX to have them step in and be sure my modification was accepted and understood that the terms of a loan modification agreement does not change. In XXXX XXXX I received around {$100.00} from the XXXX Ditech XXXX action lawsuit. My credit was also reported that I was delinquent on XXXX and XXXX of that year.
Ditech has numerous consumer complaints. I am a consumer who makes her house payment and chooses to keep her home. They have caused me headaches and restless nights trying to prepare paperwork for issues in the past, or resolve issues with your customer service representatives who dont care about the customer.
I ca n't get this issue resolved and I am running in circles. I am now taking this to every social media outlet possible and will also file any and all complaints against them. This is not professional NOR FAIR to us homeowners who make our payments. Ditech Financial should be out of business and taken in for fraud. I also have late charges. For what? I do n't know.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-10-31
Phoenix, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: after 6 calls and told each time they were going to fix problem on their end. i keep getting late payment foreclose notices. i have not missed a payment, my auto pay paid one 2 days earlier due to a XXXX requiring early payment, my payment have bee moved up 3 times, so if a payment falls on a weekend or non working day, its applier earlier month or late. changes make auto pay since they bought my loan, i have change auto pay, after the fact, with it extra late payment, but paid still in grace period.fixing issues is and having them follow through is the main problem. it took 6 month to fix last issue, and i got foreclose notices every week. for months after the corrections.they applied the extra forced escrow payment to the wrong place even after they refused to reapply the extra principal pre paid to escrow. both in wrong account. i over pay my amount by {$75.00} for the last 10 years to cover escrow and other unseen issues.
i have had to pay XXXX extra escrow due to prior mortgage mistake. my payments went up XXXX $ and still have not returned to normal amount even after i paid mistake amount. i hoping to sell home but need to get them to really fix problem. late fees are removed and re issued on next bill, im told they will address issue but problem goes on.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation