Ditech Financial LLC

2017-10-04

Harsens Is, MI

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I asked ditech to waive a late fee applied to my account in XXXX via a QWR because I never received the notice of a rate increase and their site was down on XX/XX/XXXX ( a Sunday ) when I tried to log in to confirm my payment amount. I sent in my regular payment that did not reflect the increase and it remained unapplied, my account considered late. I received a notice of default and threats to foreclose. I send in the difference with my next payment and filed a QWR requesting they waive the late fee because I did not receive the notice and their site was down onXX/XX/XXXX. Ditech agreed to waive the late fee in their response to my QWR. Each month I log onto ditech.com to confirm my payment amount and today found a transaction dated XX/XX/XXXX titled 'reallocation ' that backed out months of payments and the XXXX late fee. It appears these payments were not reapplied to my account because my principle balance increased from {$120000.00} posted onXX/XX/XXXX to {$120000.00} ( an increase of {$1200.00} ) reallocated onXX/XX/XXXXand I was assessed another late fee. XXXX I called customer service for an explanation and to correct the reallocation. XXXX waived the additional late fee added to my account and confirmed the increased principle payment shown online matches their systems. She could not explain why backing out a {$33.00} late fee would increase my principle balance by {$1200.00}. Nor could she correct the problem. Given Ditech ( formerly greentree ) reputation, I am of concerned of being accused of defaulting even though my mortgage is current and losing my home because of an administrative error on their part. Given the customer service reps insistence that an principle balance increase of {$1200.00} is correct in waiving a {$33.00} late fee, I dont expect Ditech to behave within the law. I appreciate your assistance in correcting Ditech 's administrive error.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-04

Grosse Ile, MI

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I filed complaint no. XXXX on XX/XX/XXXX. On XX/XX/XXXX, the company provided a brief response ; however, I do n't feel they addressed everything in my complaint. Under the desired resolution I asked for four things. They did not fully respond to any of the four and the complaint was closed. I would still like the following to be addressed and proof from the company that they did these four things : 1 ) Reversal of Late Fees Incurred. 2 ) Reimbursement for Interest and Penalty Fees. 3 ) A letter of apology submitted to the City and County, as well as the major credit reporting agencies stating Ditech was at fault for the delinquency of my account. 4 ) Move my mortgage from Ditech to a conventional bank or mortgage company. I currently have my home equity line of credit with XXXX XXXX XXXX. PLEASE move my mortgage to them. In addition, I now have additional issues with Ditech that I am unable to resolve. I have spoken to numerous customer service representatives as well as XXXX ( XXXX XXXX ) " My assigned Account Representative ''. Which weekly, I receive another letter from Ditech with yet another named " My Assigned Account Representative. '' My issue now, besides the lack of follow up on my first complaint, is based on Ditech 's lack of ability to follow through on anything, and specifically my escrow account. As you know from my initial complaint, my escrow money was held by the company and they failed to pay my XX/XX/XXXX city taxes until XX/XX/XXXX. This is totally unacceptable. In addition, when I received my annual escrow account disclosure in XX/XX/XXXX, it was determined I had an escrow overage and was issued a refund in the amount of {$610.00}. In XX/XX/XXXX, I received my annual escrow account disclosure dated XX/XX/XXXX, stating I had an escrow shortage and I was given two options : 1 ) have the shortage spread over 12 months, increasing my monthly payment from {$920.00} to {$980.00} effective XX/XX/XXXX or pay the shortage and the new payment amount would be {$940.00}. I mailed the required shortage amount of {$550.00}. I clearly do not understand how an analysis can be performed, indicate the shortage amount and still incur an additional rate hike. The {$550.00} appeared as a payment to escrow on my statement ; however, I have yet to find anyone and I mean anyone at Ditech that can correct my billing issues. I 've made payments over the phone, inquired when my statement would reflect the new payment amount and each time was told, " I do n't know, that is n't part of the customer service department ''. I made two payments of what the escrow disclosure statement said my payment would be if I paid the shortage ( {$940.00} ), yet when the payments were received, they took money from my second payment to cover their {$980.00} fee ( if I had not paid the shortage ) and the remaining money was in a suspension account. I expected to receive a corrected billing statement for the month of XXXX as well as every subsequent month after XXXX, yet 6 months have passed, I have had numerous conversations with Ditech and with XXXX and was told the escrow department should be handling this. She also reached out to the customer service department and I was told she found someone who had a contact in the escrow department, yet, to date, there has been no resolution to my issue. I have been waiting to pay until Ditech resolves this issue ; however, I can see my the magnitude of complaints about their company, they have no intention of resolving this even though I have clearly communicated the issue with numerous employees and specifically XXXX, who I believe might be the only person at Ditech with a brain. Her supervisor told her to have me file a complaint. In addition, I was told Ditech was going to discontinue the use of voice mail boxes and that XXXX was one of few that had one and it would soon be going away. What legitimate company eliminates voicemail? What legitimate company does nothing to help a customer when the company is at fault? In addition, I have requested a breakdown of " total fees and charges due '' since Green Tree took over my servicing and was told " we do n't know, those charges came from XXXX XXXX. '' I would expect a servicer to be able to provide all information regarding an account they took over from another servicer.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-10-04

Delhi, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XXXX/XXXX/XXXX we had a fire in a room of the home I called our homeowners insurance to file a claim and was told that we did n't have any insurance and that our policy had been cancelled due to non payment on XXXX. I called Ditech which is our mortgage co. on XXXX/XXXX/XXXX to see why they stopped paying our insurance, our insurance and taxes are included in our mortgage payment, the person I spoke to told me to call back the next day because it was to late in the day. Could n't call back the next day because it was a holiday weekend. Called Ditech back on XXXX/XXXX/XXXX they told me to call the ins. co. back. I called the ins. co. back on XXXX/XXXX/XXXX and they told me they could rewrite our policy but we would have to pay a {$120.00} fee. I called Ditech back on XXXX/XXXX/XXXX they kept transferring me to a different person, I spoke to at least 4 or 5 different people that day until I refused to be transferred again and the last person I spoke to said that she could find no authorization anywhere to stop paying our ins.. I called Ditech back on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX left a message for a person named XXXX he did not return my call. Called Ditech on XXXX/XXXX/XXXX and they told me it was cancelled on XXXX per insurer 's request. I called the ins. co. back on XXXX/XXXX/XXXX and spoke to a XXXX XXXX she told me that she looked through the documents in our account and found nothing showing where they requested cancelling our ins. policy. She said it was cancelled due to non payment by the mortgage co.. They sent a renewal notice to the mortgage co. on XXXX/XXXX/XXXX and they did not respond. I called Ditech back on XXXX/XXXX/XXXX the lady that was helping me put me on hold and then the automated service came on and said please hold for the next available representative. When somebody came back on the line it was a man so I had to explain the situation to him he told me that the mortgage on the home must be through another company because the address was different from our mailing address. The home is the main dwelling on the property and it alway 's has been. He told me that the address of the home was not anywhere on the documents that they had he told me to call back in 5 business days. While I was waiting for the 5 business days to pass there was an electrical fire in the bathroom of the master bedroom on XXXX/XXXX/XXXX. The fire department called XXXX & XXXX and XXXX. our electric co. to come out and they shut off the utilities until we have a licensed electrician come out to fix the wiring. Meanwhile my mother in law who is 80 year 's old and my daughter and her boyfriend whom live in the house do not have a safe place to live. We get our water from a well which has a pump that services both homes on the property so without electricity our home has no water also and my husband is a XXXX XXXX who I care for and we need the water to be working. We all live on a fixed income so neither one of us have the kind of money it 's going to take to recover from this without our insurance. I did contact the Red Cross for assistance but they could only help with a little bit of money just to get by. I called Ditech back on XXXX/XXXX/XXXX spoke to a woman explained our situation to her and she put me on hold and then transferred me to a man named XXXX and I had to explain our story to him and we argued for about and hour until our call got cut off. While we were talking all he would say is that the reason they stopped paying our ins. on the home is because they only have our mailing address on there documents and that is the address they are tracking and paying the insurance for. There is XXXX homes on the property the main dwelling and a mobile home which is an additional building. We live in the mobile home and my mother in law lives in the house the mortgage company has been paying both insurance policies since we have had the property with no problems and then all of a sudden they stop paying our insurance without any notice to us at all.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-10-04

Oxford, GA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Complaint: I submitted a completed application for loss mitigation assistance to Ditech Financial LLC on XXXX XXXX, XXXX. I received a denial letter for my request for assistance from Ditech stating that Ditech forced a Flex Modification program on my account. I called into Ditech twice to find out about the Flex Modification and have it removed. The representatives explained the forced placed modification on my account and refused to remove it or cancel it. However, I found in the denial letter that I could appeal Ditech 's determination not to offer me loss mitigation assistance ; and the denying of my rights to learn all of resolution options available to me in order reinstate my loan. I fax in my appeal letter XXXX XXXX, XXXX to Ditech at XXXX requesting the removal of the Flex Modification program to have my loss mitigation assistance process proceed. I called back to Ditech and the representative said the Flex Modification program was not removed and my loss mitigation assistance process has not started.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-10-04

Between, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XX/XX/XXXX XXXX XXXX XXXX c/o XXXX XXXX ( P.O.A ) XXXX XXXX XXXX XXXX, Ga XXXX On XX/XX/XXXX, XXXX XXXX XXXX, had responded on the behalf of Ditech, LLC ( servicer ) & XXXX XXXX ( investor ) in regards to XXXX XXXX XXXX XXXX compliant against the decision of loan modification. Once again, XXXX XXXX XXXX, has neglected to inform us why Ditech, LLC made us to complete the loss mitigation forms TWICE knowing that account was NOT DELINQUENT 90 DAYS. As I have stated, we fully understand why decision was made ; however, the decision that was provided could have prevented a lot of wasted time, long waiting, and paperwork to be completed if was advise at the beginning process. Ditech LLC made this a difficult process, and stated the first set of forms that were not submitted on time & the required documents were missing. However, the forms were sent in on time, and had the fax confirmation to prove the documents were sent in on time. As I have stated, NO ONE from Ditech LLC or XXXX XXXX had even made an attempt to advise us to BE APPROVED FOR THE LOSS MITIGATION PROGRAM THE ACCOUNT MUST BE DELINQUENT. Therefore, if SOMEONE would have advised from reviewing XXXX XXXX account it appears that the account is NOT DELINQUENT 90 DAYS to complete the Loss Mitigation Program Forms. Then at this point we could have asked FOR what other options we could have made to XXXX XXXX mortgage cheaper. ONCE AGAIN, we were advised to complete the Loss Mitigation to make XXXX XXXX mortgage cheaper. Yes, the representative did advise XXXX XXXX of the Know Your Options website after the decision was made on XX/XX/XXXX OF DENIED BASED ON THE ACCOUNT IS NOT DELINQUENT 90 DAYS as XXXX XXXX XXXX stated. However, the Know Your Options is a good tool to use to let consumers know if they would meet the qualifications of a Loss Mitigation Program, but we did not know about this website until XX/XX/XXXX. In addition, XXXX XXXX stated, we were provided other options in regards to Loss Mitigation on XX/XX/XXXX. If the representative did provide additional Loss Mitigation options from DITECH, LLC, THEN WHY ARE WE COMPLAINING AGAINST DITECH, LLC & WHERE ARE THOSE ADDITIONAL LOSS MITIGATION FORMS THAT COULD BE FILLED OUT? Furthermore, XXXX XXXX website do explain Know Your Options ; however, the website do explain in details the qualifications of XXXX XXXX Loss Mitigation Program, and that any XXXX XXXX mortgage accounts MUST BE DELINQUENT 90 DAYS. Since the representative did advise of the Know Your Options website, here is the proof that Ditech, LLC is aware of the guidelines of the process to approve a consumer for the XXXX XXXX Loss Mitigation Program. Therefore, IF we were advised prior of XX/XX/XXXX of this information, then we could figure another way to make the XXXX XXXX mortgage cheaper. After filing a complaint the first time against Ditech, LLC, and we were made to complete the LOSS MITIGATION FORMS FOR A SECOND TIME. Once again we were advised that some documents were missing & additional documents are required to complete the process of the Loss Mitigation Forms, but not the account is not DELINQUENT 90 DAYS. Finally, the representative XXXX XXXX that is stated by XXXX XXXX in his response to the complaint on XX/XX/XXXX, is not the account representative that we have been working with during this process. The account representative name is XXXX XXXX, and XXXX XXXX is the representative stating that XXXX XXXX is not approved based on the account not being Delinquent 90 days. Until we receive an answer on WHY WE WERE MADE TO FILE THEM FORMS OUT TWICE KNOWING THE ACCOUNT WAS NOT DELINQUET 90 DAYS, then I am going to complain until this made right. Thanks XXXX On XX/XX/XXXX, XXXX XXXX XXXX, had responded on the behalf of Ditech, LLC ( servicer ) & XXXX XXXX ( investor ) in regards to XXXX XXXX XXXX XXXX compliant against the decision of her loan modification. Yes, XXXX XXXX is aware that the decision of the loan modification was based on the guidelines of XXXX XXXX loan modification program. However, XXXX XXXX & XXXX XXXX wanted to know why, XXXX XXXX XXXX, was made to complete the loan modification twice, and both Ditech LLC & XXXX knew that XXXX XXXX mortgage was not delinquent. XXXX XXXX has spoken to several representatives at Ditech LLC, the account representative XXXX XXXX, XXXX XXXX, and XXXX with XXXX XXXX, and none of those individuals had advised, XXXX XXXX or XXXX XXXX, that the mortgage does not meet the qualification of the loan modification program. As matter of fact, XXXX XXXX was required twice to answers questions to see if the account met the qualification of the loan modification program, and each time representative was advised that, XXXX XXXX is barely making the mortgage payments based on her SSI income of {$800.00}. Once again, nobody informed them that the account had to be 60 days delinquent or death or divorce or disability. XXXX XXXX stated, Pursuant to the investors modification guidelines, a loan applicant must show imminent default if the loan is not more than sixty days past due. Imminent default is considered one of the following events : Death Divorce Disability Ditechs records reflect that we received a completed loss mitigation application from XXXX XXXX on XX/XX/XXXX. XXXX XXXX loan was reviewed for a modification and the enclosed modification denial letter was sent on XX/XX/XXXX, as the loan is current and XXXX XXXX did not provide any evidence of imminent default. If XXXX XXXX was advised of these requirements before completing all the required documents twice, XXXX XXXX caused have requested for another form of assistance ; however, XXXX XXXX was not advised & that is not just. Furthermore, XXXX XXXX stated, XXXX XXXX is able to appeal the decision if she believes the determination was made in error.Once a complaint was submitted to the Consumer Finance on, XX/XX/XXXX, that was XXXX XXXX filing appeal against the decision that was made that was not brought to her attention prior to completing those documents. In addition, XXXX XXXX stated, We are committed to working with XXXX XXXX on her loss mitigation needs. Please have XXXX XXXX contact Ditech at XXXX with additional questions or concerns.However, XXXX XXXX did call on, XX/XX/XXXX, and the representative advised XXXX XXXX to sell XXXX XXXX home since she can not afford to keep the house. Therefore, Ditech LLC was not committed on working with XXXX XXXX, and no additional options were provided on the committed on working with XXXX XXXX when the letter from Ditech LLC was sent on XX/XX/XXXX. Finally, why were the documents made to be completed & individuals were aware the account was not delinquent. Therefore, this is not just & is wrong on the behalf of Ditech LLC & XXXX XXXX who are committed to working with XXXX XXXX. Thanks XXXX XXXX Below is the letter sent to Consumer Finance on XX/XX/XXXX. XX/XX/XXXX The purpose of this letter is to file a complaint against Ditech LLC ( servicer ) & XXXX XXXX ( investor ). Around XX/XX/XXXX or XX/XX/XXXX, XXXX XXXX had contacted Ditech ( servicer ) for some assistance on the mortgage payments. XXXX XXXX advised the representative the mortgage payments are almost amount received for her SSI. Thus, XXXX XXXX is experiencing financial hardship due increase of expenses around the house. The representative confirmed that Ditech can aid with this request, but XXXX XXXX is required answer a few questions to see if qualified to receive some forms from XXXX XXXX to aid with her request of a manageable mortgage payment. I, XXXX XXXX, am XXXX XXXX son, and I assisted my mother with answering those questions & filling out the forms ; however, XXXX XXXX or I was not advised the main requirement required to be approve for assistance from Ditech & XXXX XXXX. XXXX XXXX & I was never advised by all the representatives & supervisors from Ditech, letters from Ditech, missing documents from Ditech & XXXX w/ XXXX XXXX , XXXX response from the file compliant, XXXX 15 days investigating against Ditech , emails from XXXX , and phone calls with XXXX that we were advised that XXXX XXXX mortgage payments must be 60 to 90 days delinquent before providing any assistance. Therefore, our thought process is why send the forms for assistance twice, why tell us what documents were missing, why send all the required documents & forms for assistance, and why do a 15 days investigation if Ditech & XXXX w/ XXXX XXXX both knew XXXX XXXX mortgage payments were not delinquent & the account would not be approved because of this reason. When XXXX XXXX called Ditech on XX/XX/XXXX to see why, and a representative stated it was XXXX XXXX who made the decision & that maybe my mother should sell her home if she could not afford her home. However, XXXX w/ XXXX XXXX stated it was Ditech who made the decision, and it was nothing XXXX XXXX could do as an investor. Then XXXX XXXX refused to provide XXXX XXXX with a supervisor, that all supervisors have a set schedule, the supervisors do not wait after XXXX to speak with consumers, and stated did advised XXXX XXXX of the 60 90 days delinquent. Thus, I reviewed all letters, documents, & emails very careful before writing this letter, and it was nothing said about the 60 90 days delinquent requirements. Now, XXXX XXXX mortgage payments are going to be {$860.00} w/ a SSI income of {$800.00}. All the letters & documents stated some kind of assistance would be provided ; however, we only got a rejected letter. Thanks XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-03

Clarkston, MI

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

2017-10-03

Wallington, 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

2017-10-03

Itasca, IL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: We had a 2nd mortgage which was sold several times and ultimately was sold to XXXX XXXX. During the recession XXXX we applied for mitigation of the second mortgage with them because our home was underwater ( still is ) and we were being harassed by telephone, mail and even had their representative come to our house several times and threated my mother in law. I filed a complaint and the harassing stopped at which time the mitigation was addressed and we made one final payment and the balance was forgiven as the mortgage company was given federal funds to settle cases like ours. I am extremely upset at this resurfacing 7+ years later through ditech which has been non responsive and disrespectful not acknowledging the fact that the 2nd mortgage was released by XXXX XXXX so many years ago. This has resurfaced and ruined my credit. We have made several attempts via calls and correspondence to communicate with Ditech Financial, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX account # XXXX As a consumer we have no control over the secondary market selling bad paper to companies like Ditech . XXXX XXXX sold our closed 2nd mortgage file to Ditech for pennies on the dollar and now they are ruining my credit and harassing us to acknowledge a debt we do not have for a 2nd mortgage on a house that is XXXX underwater.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-10-03

Stockbridge, GA

Trouble during payment process

Mortgage: FHA mortgage

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

Timely Response

2017-10-03

Trouble during payment process

Mortgage: FHA mortgage

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

Timely Response

2017-10-03

Winter Garden, 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

2017-10-02

Cartersville, SC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XX/XX/XXXX ientered a LOAN MODIFICATION WITH GREEN TREE. i MADE THE PAYMENTS TIMELY BUT MODIFICATION ENDED AFTER A YEAR. NEVER RECEIVED MONEY FROM DAMAGE TO ROOF DURING HURRICANE XXXX EVENT, XX/XX/XXXX. XXXX XXXX XXXX XXXX HAS NO STANDING TO FORECLOSE MORTGAGE FRAUD MY MONTHLY MORTGAGE PAYMENT HAS BEEN {$810.00}. THEN ACCORDING TO CREDIT REFERENCE INQUIRY FROM COURT RECORDS A HELOC LOAN WAS TAKEN OUT ON MY HOME.. THEN MY MONTHLY MORTGAGE PAYMENT WENT DOWN TO {$790.00}. I NEVER TOOK OUT A HELOC LOAN I REFINANCED FROM XXXX XXXX TO XXXX IN XX/XX/XXXX. PLEASE NOTE THAT ACCORDING TO THE PSA FOR THE XXXX XXXX XXXX XXXX AS TRUSTEE ON BEHALF OF XXXX TRUST 2001-C CLOSED IN XX/XX/XXXX S0 HOW CAN YOU PUT THE MONEY IN THE TRUST.IN XX/XX/XXXX. I REFINANCED IN XX/XX/XXXX. PLEASE NOT THAT WHEN XXXX GOT THE MONEY FROM XXXX IT WAS ALREADY SECURITIZED THAT IS PLACED ON THE STOCKMARKET SEE D POOL # XXXX, INVESTOR # XXXX. DID MONEY EVER EXCHANGED HANDS. ALSO I PUT LITTLE FAITH IN THE PROOF OF CLAIM FORM. FILED BY DITECH.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-02

MI

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: When my bankruptcy was discharged in 2013 I reaffirmed my house with XXXX XXXX XXXX loan # XXXX. They sold it to Greentree loan # XXXX who sold it to Ditech loan # XXXX. Neither Greentree or Ditech have ever reported my on time payment history for the past 4 years, which would make my credit scores 100 points higher than they are now. I can not sell this house and buy another one until they report accurately my on time payments to all three credit bureaus.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Timely Response

2017-10-02

Spring Hill, FL

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: Our house burnt down on XXXX/XXXX/XXXX in the middle of the night. We only had the forced mortgage insurance because XXXX cancelled us. My issue is : We received a payment from the insurance company for XXXX and we owed XXXX We received the check and decided to send it to the mortgage company to pay off the balance of the loan. Ditech is foreclosing on us, so now with the attorney fees they are stating that we owe XXXX. They still haven '' t even applied the XXXX towards our principle balance and they are still charging us monthly for homeowners and flood insurance on a house that had been condemned through XXXXhe county. I even received a call a couple weeks ago asking if I wanted to make payment arrangements for the past due balance of XXXX. I explained to the rep that I sent them a check for XXXX a year ago. The rep looked further into it and say the payment. They did not understand why and would open up a inquiry but t hey always are saying that to me. We can not afford a lawyer. We are on 1 income with XXXX XXXX daughters. My husband is having serious XXXX issues and other health issues. Please HELP!! We are in desperate need of it. We already lost everything in the fire because the insurance only covered the dwelling. ( Not the contents of the house ) The fire was a total loss. You can XXXX my wifes name XXXX XXXX and see when XXXX XXXX came out and asked to take pictures of the house the day of the fire.The county came and tore the house down and is now charging me. Charges are listed below. The cost that will be owed if paid by XXXX XXXX, XXXX is below : Title search : {XXXX Demolition : XXXX Administrative : XXXX TOTAL XXXX PLEASE PLEASE SEE IF YOU CAN HELP. WE DO NOT KNOW WHO TO TURN TOO. ALL WE WANT IS OUR PROPERTY. I can be reached at XXXX. Thank you, XXXX and XXXX XXXX
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-10-02

Bartlett, TN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-02

Abney, SC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-10-02

Augusta, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My mortgage servicer, for the second year in a row, says that I have an Escrow shortage of {$1000.00}. That Escrow shortage was supposed to have been taken care of and factored into my Loan Modification from two years ago. Last year at this time I filed a similar complaint. The company called me in response to my complaint and factored it back into my loan modification arrangement and spread the payment of that shortage over a few years. I do n't know if they are going to try to do this every year. I made enough payments this past year to cover payment of my homeowner 's insurance and property taxes. This is the second year they have tried to squeeze out an up front payment of the supposed Escrow shortage that was a part of the loan modification that went into effect over two years ago.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-10-02

Keyport, WA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-09-29

UT

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XXXX XXXX, XXXX I mailed in a check for payment of {$1400.00} for my mortgage. The check cleared as expected, and I thought all was good. It was not until the next month, that I noticed my payment balance was twice what it normally was. I thought nothing of it, and proceeded to pay my bill as usual, because any inquiries at such institutions fall on deaf ears. It was n't until XXXX, XXXX that I reached out to DiTech to ask why the payment amount was twice what it normally was, as a missed payment showed up on my credit report ( I have flawless credit, nearing XXXX XXXX. They proceeded to tell me that the payment for the month of XXXX was not received. Ok, how can this be? I ask the lady to investigate further ( she was awesome XXXX XXXX, and discovered the XXXX check was applied to only escrow ... .the entire {$1400.00}. This was done on behalf of DiTech, under NO circumstance did I direct them to do so. Is this a normal practice? No. Whoever received my XXXX payment in the mail applied the payment incorrectly, and not in accordance with procedure. I swiftly asked that the payment be corrected ( it was XXXX, and that the missed payment be taken off my credit report i.e., that DiTech draft and send a letter to the credit reporting agencies that this was a MISTAKE ON THEIR BEHALF, and that I ( the consumer ) did in fact not make a late payment. I was told this was completed in late XXXX, XXXX. However, upon recently getting another credit pull on XXXX XXXX, XXXX - I was reluctant to see that the late payment from DiTech was still on my Credit Report. Shame on them. I reached out to DiTech again on XXXX XXXX, XXXX to inquire about the error on their end, and have yet to hear from them XXXX as I mentioned earlier, these requests often fall all deaf ears XXXX. Please inquire about the credit report issues, and the complaint handling at DiTech. In accordance with the Title X of the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act of XXXX XXXX the XXXX XXXX XXXX established the Consumer Financial Protection Bureau ( CFPB ) and authorizes it to supervise certain consumer financial services companies and large depository institutions and their affiliates for consumer protection purposes. I, as a consumer, do believe that the internal policies and procedures at DiTech are not adequate to appropriately address issues or concerns with the FCRA, XXXX XXXX, and TIL acts. Please investigate my issue, and use this complaint to pursue any harmful acts at DiTech.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-09-29

West Blocton, AL

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2017-09-29

Wrentham, MA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Regarding complaint # XXXX, Ditech 's answer is quite misleading. The payments were submitted as their customer service rep advised. Later, the story changed and electronic payments are now the problem. Which is correct? XXXX never addressed the question of whether my information was sent to another customer, just as another customer 's information was sent to me. I would hope in this day and age, they would be more careful with private information but they sent me another customers papers twice. I would like a written statement from them that my information was never revealed to another customer. Thank you for finally getting to the truth and getting them to admit they changed their platform. I was told several times there were no changes made.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-29

Clarksville, MO

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

2017-09-29

Fresno, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: XXXX My sons and I became stalked, harassed and illegally monitored by corrupt cops/XXXX XXXX XXXX and my felon ex husband XXXX XXXX also reported to FTC. My children were taken illegally. I was unlawfully detained ( they had no proof ) money was stolen from me. I was approved for a loan modification X/2016 at an unusually high rate by Ditech bank then they foreclosed on me with fraudulent statements and documentation ( lied ) using a real estate law firm in LA XXXX. This is now going to be part of the FBI case that is open of terrorism by these corrupt individuals. I have a claim/case open of fraud into the DAs office and home insurance. My move out date was X/X/2017. This should have never occurred and it stops at every level right now. I expect every corrupt participant to be charged and incarcerated for this crime, their businesses shut down permanently, my children returned to me safely immediately and full financial restitution and recovery for this immediately. Gods truth only. I want this completed right now-
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-28

New Brunswick, NJ

Applying for a mortgage

Mortgage: Other type of mortgage

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

Timely Response

2017-09-28

Gaithersburg, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response