Ditech Financial LLC

2017-10-31

Three Bridges, NJ

Incorrect information on your report

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

Account status incorrect
Complaint: Hello. I have a second mortgage on my home that was serviced by Ditech. It was transferred to XXXX XXXX XXXX sometime in XXXX 2017. On two of three credit bureaus it is reported as paid. On Experian, Ditech is claiming that we are 30 days past due. I have called Ditech and they claim to have fixed the issue. I applied for a new mortgage and Ditech is still claiming we are 30 days past due on a mortgage they no longer service. This is causing considerable financial distress to my family. We need help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-31

Lomita, CA

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-10-31

Detroit, MI

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-10-30

Beyersville, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I sold the property of which Ditech Financial, LLC serviced the mortgage on in XXXX XXXX 2017. The mortgage had an escrow balance due me, according to the online statement in the amount of {$1900.00}. Ditech said it would take 30 days to process the payment and they would mail out. I received no payment in XX/XX/XXXX or XX/XX/XXXX. I called back to Ditech, they said they mailed out and would put a stop payment on that draft and send out another payment and would take 10-15 business days to process. In XX/XX/XXXX, I still had not received the re-issued draft. Ditech confirmed my mailing address. I called Ditech again, this time they offered to wire funds and that would take 10-15 business days to process. As of XX/XX/2017 I have received no funds from Ditech. I called again today and they offered to reissue the draft or wire transfer which would take 10-15 business days. Why should I have to remind Ditech month after month to for them to send the money that belongs to me?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-30

Lake Mary, FL

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-10-29

Phoenix, AZ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My mortgage company is Ditech. About XXXX month ago I received a notice that my escrow account is short ( XXXX they spreading the XXXX in XXXX months ) I did not have the money to sent that amount in which now resulted in my mortgage going up from XXXX to XXXX. In the XXXX years I live in my home, I never pay that much in my mortgage.I 'm currently not working and my last paycheck this pass XXXX was use to pay my mortgage. This mortgage company never in advance advised me that my escrow was low. Had they said something, I would of sent them extra from the beginning. I 'm struggling right now and not sure how I will make my next payment. I never have miss a payment on my mortgage and now I feel like I 'm being forced out of my home.
Company Response: Closed with explanation

Timely Response

2017-10-28

Lk Buena Vis, FL

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: Ive requested a deed in lieu, many times now, however I have only received the run around from Ditech Financial. As a consumer that has tried to keep open communication with the mortgage company, only to get denied responses from Ditech and never a phone call is bad enough, they instead filed a foreclosure on me instead of granting me a deed in lieu. Ditech decided to show me just how much they cared about their customers. Ditech sent a third party vendor to my home, to survey the house, who decided to trespass into my property, steel some of my belongings, vandalize the house, ripped down curtains from the window, winterized my appliances and changed my lock and left a paper. When I called Ditech and asked them what was going on, they told me I was # of days pass due and they needed to see if the home was in broom swept ready condition in order to approve me for a deed in lieu. They also told me I had water damage. Then said they were told by the vendor that the home was vacant. I told them the vendor knew the home was not vacant prior to trespassing and they ripped down my curtains to make the appearance the property was vacant. I told Ditech they knew my place was not vacant because every time I call them they ask me if the home was vacant and I gave them the same answer each time, which is no and that someone is staying there until my deed in lieu is approved. I asked them what reputable company sends a vendor out to their customers home to rip down curtains and destroy property to make thier customers home appear as if it is vacant and steel their belongings? Of course Ditech could not answer that instead they said Im sending an email to XXXX XXXX so they can take the lock lock off of your home so you can get back into your property I asked for the number to call them and was told I could not have thier number they had to call me and they will. Well my conversation with Ditech took place this morning and now it is XXXX and still no call from thier vendor XXXX XXXX. I also asked Ditech for the CEOs email and was told the relationship managers manager would call me back, also no call. Ive never experienced such defamation, fraud and deceitful business practices from any company. Please help this concerned consumer. Im sure Im not the first customer they have done this to.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-27

Tarzana, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: Lender had orchestrated an outcome I lost the property title as a collateral for the mortgage, but kept the obligation. If not required by lender it would not have happened. I would not grant title to anyone if not relieved from the Promissory Note. The " sale '' simply would not proceed. I expected and trusted this lender to be a safe process same as sale when escrow holds docs and swaps them at the right time. Perhaps lender wanted to forfeit all interest-only paid by now forcing refinance instead of assumption or its been other form of long term strategy. Lender kept dragging it for 3+ years bouncing between departments without resolution. This would not go that far if in the beginning of XXXX they would simply approve modification or allow for short sale like with everyone else in this country. We have applied for help in the right order. The outcome is lender refused to transfer balances to the new owner and breached the assumability of the loan document. It bears some commonality for modification scam when I applied for it and more than a year later been directed to assumption package instead, and it required signing over the title to someone else. Main issue : Why lender encouraged us to perform an assumption instead of completing modification/short sale? Why lender did demand transfer of property title in order to file assumption package? Main damage : I cant sale now to pay off balances, because I am no longer on the title.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-10-27

Kansas City, KS

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: We have repeatedly tried to contact DiTech for a XXXX XXXX. I have done it in the past and they approved it. On XXXX I had an envelope taped to my door from a lawyer stating that my house is in Foreclosure. I filled out all the loan modification paperwork with everything requested the end of XXXX. I put the house on the market hoping to sell before receiving a rejection or acceptance of the loan modification because I can never speak to anyone. They have assigned me a representative named XXXX who never answers her phone and does not accept voice messages. I gave my realtor written authorization to speak on my behalf to DiTech, as I have a job that requires my full attention XXXX, which is the same hours as XXXX XXXX My realtor can not get ahold of her or anyone else about my loan. She spoke to XXXX once and was told that all my loan modification paperwork was turned in and the manager was reviewing. She said the manager would send me a rejection or acceptance letter within XXXX days which I have never received. My home is being sold in an auction on XXXX XXXX, XXXX and I still have not heard anything from DiTech nor can I get a hold of anyone at DiTech. Please help me in finding out if I have been rejected or accepted for a loan modification. I do not know what else to do. Can this company refuse communication with me but still sell my home in an auction? Can the still sell my home in an auction without communicating to me that I have been rejected or accepted a loan modification. I do not know what else to do so my realtor advised me to file a complaint with you. Please advise. Thank you!
Company Response: Closed with explanation

Timely Response

2017-10-27

CO

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: We filed for bankruptcy in XX/XX/XXXX and at that time, our mortgage was being serviced by XXXX XXXX. Any past due amount owed to XXXX was paid as part of our Chapter XXXX plan and our account was brought up to date. Then in approximately XX/XX/XXXX, Greentree acquired our mortgage, which then eventually changed names to Ditech. It was during this transition that a missed payment must have occurred or was paid later than normal, which caused our account to become past due. It was also during this time period when there was some confusion as to what our monthly payment should 've been. We received an Escrow Evaluation for our mortgage in XX/XX/XXXX, which showed our new estimated monthly payment to be {$1800.00}, when in actuality, it remained at {$1900.00}. So for many months, I was under-paying our mortgage, not realizing the amount on the Escrow Evaluation did not reflect what was actually due on our account each month. It is still unclear to me as to why our payment remained at {$1900.00}, when the evaluation clearly stated {$1800.00}. Also, because of our bankruptcy, monthly statements from Ditech only showed payments made and not what was due or any past due amounts. It was not until just prior to our discharge, we learned of our delinquency. If this was brought to our attention much sooner or at least shown on monthly statements, we couldve had the opportunity to bring our account up to date. We want to remain in our home and have tried to work with Ditech. We have continued to make our monthly payments on time but are still behind about 90 days. We requested a loan modification the first part of XX/XX/XXXX and filed all the necessary paperwork by XX/XX/XXXX. They have done absolutely nothing with our account and just keep giving us the run-around by requesting more information that is clearly laid out in our application, paystubs and statements we already provided them. We have still not received a single letter or notification that they are processing our loan modification request. Every time we make a call to Ditech, which is several times a week, they just say that underwriting has not reviewed it yet and will need more time. I think 3 months is plenty of time to make a decision regarding our modification request. We can never get passed the customer service rep that answers the phone, which is a different person each time, so we feel like we have hit a brick wall with Ditech. No one seems to care that it 's been 3 months since we first filed our application. We just want to work out a payment plan with them to bring our account up to date. But they do n't seem to want to help out the consumer at all. We do n't know what else to do. HELP!
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-10-27

Glens Falls, NY

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

2017-10-26

Las Vegas, NV

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

2017-10-26

Trouble during payment process

Mortgage: VA mortgage

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

Timely Response

2017-10-26

Springfield, VA

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-10-26

College, NY

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-10-25

Clarksville, MO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Ditech sent my Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX. Section 5 of that statement is a table showing " What Happened Since My Last Escrow Review. '' The column titled " What You Actually Paid to Escrow '' is missing an entry of {$260.00} for the month of XXXX. This number plays a key role in arriving at my true shortage. I wrote a complaint letter to Ditech on XXXX/XXXX/XXXX and received Ditech 's response on XXXX/XXXX/XXXX. In its response, Ditech states " Please note that as of XXXX XXXX, XXXX, a payment had not been received ; therefore, the monthly escrow payment of {$260.00} was not reflected for XXXX XXXX, after the analysis was completed. '' Failing to insert this number for XXXX XXXX inflated my total shortage by {$260.00}. I disagree with Ditech because I have never missed a payment and although my payment due for XXXX XXXX, XXXX arrived XXXX/XXXX/XXXX ( after the XXXX/XXXX/XXXX analysis date ), Ditech should have inserted $ XXXX ( expected payment ) for XXXX XXXX, just like the entry for XXXX XXXX. I wrote a second letter dated XXXX/XXXX/XXXX asking Ditech to reference its position within RESPA 's Regulation X and Ditech refuses to respond. I presume Ditech may not have responded as it is claiming this t be a " Duplicative Notice of Error '' ( 1024.35 ( g ) ( 1 ( i ). Even if this is true, I still believe they are required to notify me within five business days of making such a determination ( 1024.35 ( g ) ( 2 ).
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-10-25

Somers Point, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-10-25

WA

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I 've never been late on my mortgage payment. My XX/XX/XXXX payment I paid {$2600.00} which was an extra {$50.00}, which they applied to principal. In XX/XX/XXXX there was an escrow adjustment and my payment of {$2600.00} was {$25.00} short, so they did not apply any of my payment, reporting me 30 days late. In XX/XX/XXXX I paid {$3000.00}, covering the {$25.00} short, plus their {$89.00} late fee. On my credit report it shows I was 30 days late. However my due date is XXXX and they reported me at the end of the month, which is not 30 days. In addition I asked them to considered I 've always paid on time, usually more than the payment, that it was {$25.00} short. I also asked if they could reapply the extra {$50.00} from XX/XX/XXXX to XX/XX/XXXX to cover escrow and then reapply my XX/XX/XXXX payment. They claim by law they can not do that, will not escalate my calls and frankly this is not a black and white issue. I 've talked to a number of financial institutions and DITECH has options to help me, I gave them an easy method to reapply payments, but they just choose not to do anything to help out a long time customer. They have a very rude customer service. My credit score which was well over 700 dropped by 50 points. I 've worked hard on my credit and I find this very unfair and any reasonable person would agree.
Company Response: Closed with explanation

Timely Response

2017-10-25

Apopka, FL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-25

Burien, WA

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

2017-10-25

NY

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: Loan information : Mortgage # XXXX Ditech, formerly Greentree as of XXXX. Originally the mortgage was # XXXX with XXXX onXX/XX/XXXX. This is for a co-op apartment in NY. I paid my mortgage off in full onXX/XX/XXXX to Ditech. At that time I inquired about getting my documents and was ( repeatedly throughout this process ) giving incorrect information about how to obtain them. I repeatedly referred to a NY law firm. Fortunately, Ditech gives out this erroneous information repeatedly so the contact at the law firm knew where this information originated and what I needed to do instead : to go back to Ditech. She was kind enough to request the documents from Ditech on my behalf, as well. She did, twice in the last month+. I also requested them from Ditech*. In the meantime, I hunted down my stock certificates because Ditech said they did n't have them and never did. I need the UCC, Lien Release, and Stock Certificates. Ditech also said that the documents did n't exist. They said that they had 30 days from the payoff to get required documents to me. I explained that time was of the essence as I could not close on my new property without these documents and that each day was costing me a great deal of money. I called again on XXXX to find out where the documents were and I was told that they would now have to research the location of the documents. That process would take 3-5 business days. 30 days came and went and no documents. I called again on day 5 of the research time and they had no information on the documents. I called again on Day 6 and again on Day 7. Each day I was promised that someone would get back to me the same day regarding my documents. Each time I called I spoke to a supervisor. I never have been called back or contacted through phone, mail or email. I requested that Ditech overnight the shipment of the documents to me because they are out of compliance and I need them immediately. On XXXX I was told, for the first time, that Ditech customer service requested that XXXX XXXX ( another Ditech department ) respond to Customer Service ( the supervisors I have been speaking to ) regarding the documents. The supervisor would not tell me what kind of timeline I should/could expect. Therefore, I can not even anticipate a closing on my new property. I asked to speak to someone higher up and/or at XXXX XXXX. I was told that I had no other options beyond speaking to the supervisor at Customer Service. Furthermore, on two occasions I asked the representatives at Ditech to provide me with complaint information because Ditech is out of compliance. They told me that they only avenue for complaints was to write to Ditech. I asked if there was a federal agency or oversight organization and they insisted that everything still had to go through Ditech and there were no other options. I was also told that the supervisor I spoke to on XX/XX/XXXXdid not promise to call me back on the same day regardless of whether or not they had information. That is untrue. I want my documents. I need my documents. I am hoping for your help expediting the process. I have attached the faxed copy of my documents provided to me by XXXX onXX/XX/XXXX ( the originator of the mortgage ) that I repeatedly offered and repeatedly refused, to Ditech, along with XXXX 's contact information ). I have spent no less than 10 hours of my time with attempting to get my documents from Ditech in the last few weeks. *The original mortgage company could not release my documents to me ( stock certificates, etc. ) because they did n't have the right to do so given they had no confirmation that my mortgage was paid off.. They said that only Ditech could release them to me. They did, however, send me photocopies of the documents. I offered these to Ditech and to tell them where the information was. Ditech would n't accept the information.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-10-25

N Plainfield, NJ

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

2017-10-25

Manassas, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Green Treen/Ditech has been claimiing to be my Servicer since XX/XX/XXXX ... Green Tree was fined XXXX XXXX by the CFPB for exactly what I complained about ... failing/refusing to Review Loan-mod Applications for over 6+yrs ( 8yrs total when including XXXX XXXX ) , and several hundred 200+ harassing calls to demanding payments or get out, and credit agency assaults against me that was detrimental to renew my security clearance, etc ... So, after 6 years with their unconscionable servicing failures and foreclosure threats while refusing to review my loan-mod application ... I found out about the CFPB consent order and called CFPB to complain and beg for help and relief ... CFPB told me, I was not in the Green Tree 's database, sorry! ( COMPLAINT Tracking Number # XXXX ) No help, nor relief from CFPB ... I 'm asking again for help! Now, my house was wrongfully/fraudulently foreclosed 4 months ago, on XX/XX/XXXX ... Although, I am still in the house at this moment ... -- Combining these facts seems to mean that my house was either foreclosed on by someone who is not really my servicer, or my servicer can hide their dirty laundry and deeds from federal-oversight at will ... That just does n't seem right ... Read further about the crimes they get away with ... Any thoughts? ... Comments? - I had a small victory in the Virginia 's XXXX Gen Dist Court on XX/XX/XXXX defeating an Unlawful Detainer ( UD ) against the people who bought my home at Trustee-sale ... Using the Virginia Supreme Ct ruling, in the Parrish case ... Because this is " not a Landlord-Tenet issue '' but rather " Lender-Servicer defrauding Homeowner issue '' and unjustly enriching themselves while committing crimes and violations of several State and Federal statutes and regulations, and to the detriment of this homeowner, government oversight and denial of homeowners due process have all taken a black-eye ... Went to XXXX public Aid because I 've been financially broken but they do n't do fraud cases because they 're not chartered for it, but could help file bankruptcy case though ... Most useless! -- Now Served with XXXX / Ejection complaint in XXXX Circuit Ct. - Served Thursday, XX/XX/XXXX with 21 days to respond ... - Below I identify several issues including several title issues and FDCPA, RESPA, FCRA, etc ... - Briefly, the Parrish case was useful to layout title issue and the elements of Servicers failure to review Loan Mod App, which was never reviewed ( Never denied because it simply was Not-ever reviewed, in 8-yrs ) ... There are Many title issues some of which follow ... - FDCPA / RESPA / TILA / CFPA Violations ... - Breach of Deed-of-Trust ( DOT ) contract ( many ) ... - Threatened with foreclosure at least 6-7 times which Servicer voluntarily withdrew once reminded of pending review of loan-mod app ( but was never reviewed for determination ) ... XXXX County Property Records is crime scene ( Forged DOT ( Different from Closing Docs ), failed & missing & void Assignments and void Appointments of DOT ) ... - Defaulted in XX/XX/XXXX & subTrustee Appointed ... - Loan Mod App in XX/XX/XXXX ... - DOT Accelerated in XX/XX/XXXX/XX/XX/XXXX subTrustee sale ... - Ch-XXXX BK blocked subTrustee sale in XX/XX/XXXX ... - Mortgage was NOT reaffirmed in BK and Acceleration was Never rescinded over 8-yrs ... ======= - XXXX XXXX had completely ignored my Loan-mod App, and XXXX XXXX who XXXX sent to get my Loan-Mod Application request for review ... They acknowledged receipt of application, but would not review - NOTE : later I discover nearly half the XXXX REMICs being serviced by XXXX were bankrupted empty shells and were seized, by FED or/and FDIC and half of all loans were scheduled for foreclose while the other half were frozen ) ... - XXXX locked me out of my online Account login in XX/XX/XXXX ... - XX/XX/XXXX - subTrustee sent Notice again scheduling foreclosure for XX/XX/XXXX and ... funny thing is subTrustee Notice also acknowledged previous acceleration ( XX/XX/XXXX/XX/XX/XXXX ), and stated they were " accelerating again '' ... I do n't believe they can accelerate the Deed-of-Trust contract again ... Moot legal impossibility! - Hope Now/HAMP App online in XX/XX/XXXX ... I had to hire an lawyer to be the honest-broker because XXXX blew me off ... He contacted the subTrustee After and after 3-days on the phone and searching XXXX 's website to no avail, Attorney XXXX XXXX told me to file another 'fresh ' application for loan-mod on the " Hope Now '' website because they are Approved by HUD , Treasury , XXXX , XXXX , etc ... and can be the honest broker to document and force XXXX to perform as required ... - Hope Now/HAMP application was completed online and their representative called me, verified data, and initiated 3-way conference call to XXXX ... XXXX representatives ' eventually acknowledged receipt of application but stated there was no loss-mitigation rep assigned ... Hope Now reps called me 3-days in a row to conference with XXXX Loss-Mitigation folks to no avail ... No one at XXXX was ever assigned to review application. Over the next few weeks there were several more efforts to no avail ... They did not review Loan-mod App ... - XX/XX/XXXX - subTrustee explained in phone-call that Servicer halted Trustee sale due to HAMP ... - XX/XX/XXXX - subTrustee recycled the same forreclosure paperwork to give Notice and initiated foreclosure again, then canceled after advertising and sale, then at the last minute claiming in FAX that Servicer halted Trustee sale " due to HAMP '' ... - XX/XX/XXXX Green Tree sent Notice of Default ... - NOTE : XXXX County Property records show that a Secretary of an unknown Law firm, " XXXX XXXX XXXX XXXX XXXX '' claiming to be Attorney-in-Fact for XXXX secretly ( without Notice ) Assigned loan to Green Tree Servicing in XX/XX/XXXX ... However this assignment is void because No Power-of-Attorney ( POA ) accompanied the assignment. Without POA the Assignment is Void-ab-Initio When XXXX Loan/MIN account goes into Default or files Bankruptcy, the MIN/account is Deactivated and transferred out of XXXX System and XXXX status is reported as INACTIVE. XXXX will make no more assignments unless/until MIN Account is REACTIVATED by Lender/note holder. - XX/XX/XXXX Green Tree Appoints another subTrustee " Commonwealth Trustee '' stating that XXXX XXXX is owner of the Note and Appointed Green Tree as Servicer ... That is FRAUDULANT ... As explained above, XXXX XXXX 's secretary assigned and recorded without including the POA. [ Property Description recited in appontment has minor errors ( Survey-line point location, is at Lot XXXX, not XXXX, etc ) ] Did not review Loan-mod App ... ======= - Virginia Statute of Limitations ( SOL ) after Acceleration of written DOT contract is 5yrs ( VA Code 8.01-246 ( 2 ) ) ... - Commonwealth Trustees initiated Foreclose again in XX/XX/XXXX, but canceled for undisclosed reasons FRAUD NOTE : XX/XX/XXXX Ditech employees delibert frauds ... created, signed, wired or mailed and then recorded a void Assignment setting-up XXXX for fraud and using XXXX name even though ( 1 ) XXXX account remains " Deactivated '' since XXXX and was never " Reactivated '' ... MIN Status=INACTIVE since XXXX due to being removed from XXXX System and thus beyond XXXX purview as required by XXXX Serving Manuals , due to homeowner Default and Bankruptcy in XXXX. The loan was never " Reinstated '', ( nor de-accelerated ) and therefore the loans MIN Acct could never be " Reactivated '' therefore this XXXX assignment is both legally an impossibility ... ( 2 ) Using XXXX name to create a back-dated missing assignment by more than 6-yrs to fill chain-of-title gap where XXXX ( loan originator ) transferred/Assigned/or sold to XXXX because chain-of-Title was broken ... ( 3 ) Still, Ditech used the Wrong dates and therefore left a 2+yrs gap and the broken title-chain remains ... ( 4 ) The Address used for XXXX and XXXX belong to neither, but rather belong to Green Tree and Ditech, as a means to intercept communications ... ( 5 ) This void assignment also violate VA Supreme Court ruling that After-Acquired title doctrine applies only to original parties ( not Ditech ) ... - Commonwealth Trustees Foreclosed for Ditech on XX/XX/XXXX which is more than 3+yrs beyond expiration of Virginia Statute-of-Limitations ( SOL ) on accelerated written contract ... This is fraud too right! ... Virginia Supreme court says Deed-of-Trust is a contract ... NO Loss-Mitigation activity in 8-years - I wanted to convert or refinance to a VA-Loan at fair market value and I was punished for 8+ years ... Who are the people? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - NOTE : Servicer 's failure ( delay & ultimate refusal ) to Review and make determination of my Loan-Mod App has financially crippled me and homeowners nationwide ( re : SIG-TARP report, to congress XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ] ) - Servicers Green Tree and Ditech ( by merger ) knew about Ch-XXXX BK but continued making improper derogatory entries to Credit Reporting Agencies ( CRA ), harassing me with hundreds of phone calls ( one message told me to payup or get out ), and continued sending monthly billing statements throughout the 8-yrs of this Loan-Mod review process ( to punish me? ) ... But they would not review the Loan-Mod Application - Servicers, I think are not permitted to report to CRA 's after BK Ch-XXXX ( because Note [ debt ] is discharged ), and CFPB regs supposedly halt/bar credit reporting during and for 60-days during/following loan-mod review processing ... Virginia SOL gives creditors 5-yrs to collect on the written contract which they did not do in time ... - Hardship letter as part of the Loan-mod App explained ... Wife 's XXXX XXXX and that although separated, I had to help with expense during her surgeries, recovery and resulting unemployment and living expenses ... AND this house I bought from XXXX XXXX REO should have been condemned not resold AS-IS ... just to move in, I had to borrow and spend nearly $ 40K in all to fix crawlspace-foundation flooding and Black-mold removal ... Still both return regularly ... A/C, clothes-washer, and dish- washer and shed in back was falling over ... They stuck-it-to-me good ... - Deed came from XXXX XXXX as Trustee for XXXX XXXX, a bankrupt XXXX REMIC Trust being sued by everyone for looting and sell the properties entrusted, i.e. hedge funds XXXX and XXXX XXXX, etc ... - My effort in XX/XX/XXXX was to refinance into a VA-Loan to get rid of escrowing PMI and they insisted on a loan-mod and they even sent XXXX XXXX to my house with an Loan-Mod Application ... Then they ignore both of us and never reviewed the App ... - Unconscionable Loan-Origination and Servicing failures has destroy my credit and financial reputation and caused serious economic harm because I am not able to continue career in the military and civilian XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) as XXXX XXXX and XXXX XXXX which requires maintaining XXXX National Security clearance the until this is resolved and my reputation is restored gainful employment is not possible at best ... -- The XX/XX/XXXX Ch-XXXX BK was a " XXXX XXXX XXXX '' which was understandable and defendable to my employer because it resulted from Server threatening foreclosure in spite of no Loss-Mitigation communication ( none assigned ), and the yet outstanding Loan Mod App review, and then subTrustee Accelerating the loan and scheduling and advertising sale for XX/XX/XXXX and since the property value dropped 45 %, this threat included a {$160000.00} Deficiency Judgment which was terrifying ... But this exact scenario created lucrative windfalls for servicers at the expense of Investors and homeowners nationwide ... This un-regulated servicing industry trapped homeowners in Loan-Mod scam and failed to perform the fundamental due-diligence of " Loan-mod reviews '' as required by Treasury Dept 's TARP agreements giving them XXXX ... ================= - Instead of helping homeowners, Servicers captured homeowner ( s ) in a fraudulent Loss-Mitigation cycle of double-cross ( which was later coined " dual-tracking '' ), denying any communication, options, etc ... - I was harmed by this whole Financial Crises and then Foreclosure crises, like a lot of people, but failing to review my loan-mod app for 8-yrs should be considered a crime upon the Treasury 's contract with Servicers and the Treasury paid them in advance with TARP funds using taxpayer 's money to fund Servicers contract and commitment to review loan-modifications Apps, which they refused to do, ever! ... these Servicing failures is a fraud on the US and local economies and communities, the Treasury was directly defrauded, and I was directly harmed for my belief and I had a reasonable expectation that a government sponsored Loan-Mod App Review would be harmless ... - FINAL RANT : Banking and Financial Institutions quickly began dumping their servicing business onto unregulated rogue and abusive servicers in response to new regulations passed by congress and then the DOJ, SEC, FED 's OCC, Treasuries OTS, and other Reg agencies gave Non-Prosecution agreements to banking executives and financial corps alike ( including XXXX ) in return for Consent Orders and fines ( which seem to be the DOJ 's cut ) never amounting to little more than fractions of 1 % of the looted-booty which proved this crises and response is an excellent business-model for the next bubble generation ...
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-24

San Francisco, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have a scheduled foreclosure sale date on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed by XXXX to submit a letter to request a postponement of my foreclosure. This letter was faxed by a non-profit housing counseling agency, XXXX, on XXXX/XXXX/XXXX. Later I spoke with Ditech to check on the status of my postponement and was informed that this letter was not reviewed and no assistance was granted because there was no packet to review. This is contradictory to what I was informed and has prohibited me from pursuing much needed mortgage assistance. I spoke with Ditech on XXXX/XXXX/XXXX and requested a reinstatement amount as of XXXX/XXXX/XXXX I still do not have this figure. It seems as if Im being given the run around and I am only trying to find a resolution towards saving my home. I believe that proper communication and accurate information is not being shared, unfortunately to my detriment.
Company Response: Closed with explanation

Timely Response

2017-10-24

Dothan, AL

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