Ditech Financial LLC

2017-09-28

Freetown, NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2017-09-27

Raeford, NC

Struggling to pay mortgage

Mortgage: Other type of mortgage

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

Timely Response

2017-09-27

Patterson, MD

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: Greentree was my servicer for my mortgage in XXXX, When I became unemployed, I contacted greentree and explained my situation. Greentree told me that there is a program for the unemployed that your mortgage will be in forbearance for 6 months which will give you the opportunity to gain employment and that I will then pick up at the 7th month and start paying my mortgage. Which I did and when I attempted to pay my first payment greetree refused the payment stating that I needed to pay the last 6 months in full. Which I was without any source of income for those 6 months. I was asked to pay {$6900.00}. Which was impossible. Greentree was incapable in assisting me I requested documentation regarding the rules for the unemployment forbearance. ( which I never signed any documents agreeing to anything this was done all via Call center ) I received a email onXX/XX/XXXX from Ditech Financial LLC that they was my new servicer. I applied for a loan modification in XX/XX/XXXX it took them 6 months to finalize the paperwork while I met and paid ALL streamline payments. When I received the loan mod documents there was some discrepancies regarding the numbers on the final documents. I wrote Ditech requesting a itemized break down of there numbers for this loan mod that I was approved for. Also faxed my request as well, ( with NO RESPONSE ) I called atleast twice a week since XX/XX/XXXX with no response regarding the issues. I continued to attempt to push ditech with documentation letters, phone calls still nothing. I had been transferred to multiple account managers over this time with again NO HELP!! I got a answer from My " new loan manager '' that the time for the approved loan mod had expired and that I pretty much needed to sell the property or deed in lieu. I rushed out and filed for Chapter XXXX so I would n't lose the only home me and my children have had for over 14 years. During this time I still received correspondence from ditech via mail. When I received my discharge I attempted to do a loan modification and was denied due to the fact the I did n't eliminate my financial hardship and my debts was a issue again ( chapter XXXX ) NO DEBTS!! I appealed that denial and they had until XX/XX/XXXX to respond per the letter Ditech sent me. On XX/XX/XXXX no decision had been made and no issues resolved. XX/XX/XXXX I finally received this letter regarding my appeal and was told " I am ineligible for FNMA that I needed a fixed rate '' That I also did n't qualify for a modification cause my principal and interest would go up '' But the modification that approved me for a year prior the P & I went up then and it was n't a issue, But I was n't signing that legal binding document due to the discrepancies. I have received multiple correspondence from ditech regarding my mortgage that makes absolutely no sense to me. When I question them regarding the discrepancies I am told send in written request ( which I had with no response ) I have held employment since XXXX my income has climbed significantly. All I have ever tried to do is pay my mortgage and bring it to current. With the approved modification I made ALL the stream line payments and additional payments pending Ditech to fix the issues on the loan documents. I have received a letter from Ditech on XX/XX/XXXXthat my loan modification package is complete and the evaluation process takes approximately 30 days, as this mess has continued due to Greentree ( which on XX/XX/XXXX federal trade commission settled a class action suit against them ) Come to find out Ditech Financial llc is ( GREENTREE ) and they are doing the same thing to consumers that Greentree has done and did. I called Ditech today to request the arrearage amount so I can get a loan cause I DONT WANT TO LOSE MY HOME!! I was told I had to pay all legal expenses ( what legal expenses ) I have never been contacted by an attorney and PER Ditech my home 's foreclosure process has been on hold and is still on hold to this day. I have followed all the requirements to attempt to bring my loan to current. I have contacted XXXX XXXX with several attempts to fix the issue. I just want to pay my mortgage I have proved to Ditech that I have been putting away my mortgage payments since they have refused them and placed said funds in a escrow account. I am praying that some one reads these documents and relizes the under handed stuff DITECH aka ( GREENTREE ) is pulling and assist me in saving my home. I have attached all documents to this complaint
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-09-27

Struggling to pay your loan

Payday loan, title loan, or personal loan: Personal line of credit

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

Timely Response

2017-09-27

San Antonio, TX

Communication tactics

Debt collection: Mortgage debt

You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-27

Boston, MA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-27

Holly Springs, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-09-27

Poway, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-27

Pinehurst, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-26

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-09-26

Clovis, CA

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

2017-09-26

PA

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: after years of attempting to secure a loan modification ( 11+ % ) rejected each time, even w/hardship letters, ( XXXX ). company foreclosed, on day of Sheriff sale, we filed bankruptcy Chapter XXXX ( this is a legal automatic stay ) ( XXXX XXXX, 2017 ) XXXX XXXX Denied the automatic stay sighting a section 362 ( c ) ( 4 ) ( A ) ( I ) of bankruptcy code. Note : research of legal library failed to reveal such a provision. [ XXXX XXXX lawyer for Greentree/Ditech. No. XXXX Premises : ***** ** XXXX Rd. ******, **. 1**** ]. The XXXX County Sheriff 's proceeded w/sale. Even though the involved parties were aware of the bankruptcy. We know our rights have been violated be parties involved.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-25

Holland, MI

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

Mortgage: Other type of mortgage

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

Timely Response

2017-09-25

Newnan, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I purchased my home on theXX/XX/XXXX, with a mortgage payment of {$1100.00} at the time. I was employed as a XXXX XXXX earning {$9.00} and working two jobs to make ends meet. By XX/XX/XXXX, I joined the XXXX XXXX XXXX to serve the country that I deeply love, as a XXXX with an XXXX pay grade my income was now enough for me to sustain my family and pay my mortgage and bills. My mortgage had been current until XX/XX/XXXX when I was getting ready for a XXXX XXXX, as fate will have it during a XXXX XXXX XXXX in XXXX XXXX XXXX California, I was involved in a XXXX accident and was pulled off the trip. I became hospitalized and missed 3 mortgage payments ; I notified the bank of my injury which was at the time known as XXXX XXXX XXXX. When I bought my home in XX/XX/XXXX, the mortgage company do send me a bill prior to the due date which I mailed back with a check or money order, but stopped sending the bill at the end of XX/XX/XXXX.After 10 months or thereabout, I started to receive the bill again from the bank. I contacted the bank for the loan terms modification as lots of payment were missed, but did not receive a response from the bank from there again. My modification application was abandoned by the bank and at the same time, I was never communicated by them or any appointed agency regarding the status of my application. Since the time of my modification application that was abandoned by the bank I never heard from the lender again, there were no bills sent nor communication from anyone or any agency. Also, from XX/XX/XXXXto XX/XX/XXXX, I had never been officially contacted or notified of a change in the mortgage companies. Since XX/XX/XXXX till sometimes around XX/XX/XXXX, I was not officially contacted by any bank or received any notice or information about a change in the mortgage companies.XX/XX/XXXX, I received a statement from a bank called Ditech Financial LLC with an invoice for payment. I was not sure if they were legitimate or pranks because all I received was a statement of Bill that was not understandable. The last time I heard from any mortgage company regarding my property was XX/XX/XXXX and suddenly receiving a statement from a different bank that I do not know about was very disturbing. SinceXX/XX/XXXX, there has been no contact from the said Ditech financial except for the statements I receive occasionally. Early this year, I then applied for a modification on my loan, it was not conclusive as they claimed because there were missing required documents. I faxed the missing document to the agent assigned to my case, but she claims she never received it. The modification request was not complete to either be approved or disapproved when I suddenly received a Bill from Ditech Financial in the month ofXX/XX/XXXXasking me to pay a trial payment of about {$940.00} for the next three months without verifying my income or completing my file. I felt like I was slammed with a payment they felt like asking me to pay. I was very surprised that the modification paper I submitted to them was not conclusive as they claimed but they prefer to send me a bill anyway. I contacted them to start a new modification since my income had changed after I became XXXX. I had not completed the paperwork or sent in all the documents for the modification and was in the process of sending them my updated information again when I suddenly received a bill to pay the said trial of {$940.00}. By the XX/XX/XXXX, I received a letter from an attorney requesting that I pay a sum of {$230000.00}, I was confused because the property itself is only appraised for {$70000.00}. I called the attorney, and I was told to come up with the amount owed. I started to reach out to counsels for legal advice on what to do as this is extortion and abuse but cant get the right help I need. The lender is not willing to work on my modification or offer me enough time to work on a plan for my home. I have my XXXX income, and I should not be forced out of my home that I have known and love for an offence I didnt commit. This is a home my family and I have lived in for 15 years filled with memories and love ; I do not want to lose my home because of a lenders negligence. There has not been any payment made since XX/XX/XXXX for the past 8 years ; I do not know which bank to call or pay to since then and was not contacted by anyone or any agency informing me of any change in mortgage situation until now. Recently, I started to receive random letters in the mail from different attorneys and people informing me about a foreclosure. I was shocked, the attorney for Ditech nor the lender themselves never informed me of a sale date or any upcoming foreclosure date. I was made aware by public information from notices I receive from unknown sources in my mail. Since the end of XX/XX/XXXX till today, I have had unknown individuals come to my home to evict me saying they are from the bank, I receive letters asking me to move out of my house within 72 hours and hand over the keys to them, I am threatened as I receive letters demanding possession of my property claiming they are from the bank. While I was away on medical treatment, on the XX/XX/XXXXmy home was completely burglarized and vandalized, my vehicle was stolen from the garage and all my valuables gone. The police were called by my neighbor to the scene to secure my home. For several weeks now, I am afraid as people told me it might be the bank who had come to collect my valuables until a police report revealed that it was a robbery. At the moment, I live in fear of intruders and people coming to invade my privacy and at the risk of losing everything Id worked for 15 years. I live in fear of homelessness as I cant leave my home for a second as I am afraid a repossession company will move me on the street according to the threats I receive. Our lives are not safe as this bank has exposed us to unnecessary public view without proper notice. I live in my home as an XXXX XXXX veteran of the XXXX XXXX XXXX ; I concurrently receive treatment from the VA on a regular basis, and not employed and cant work. My kids attend the local school in the area. My sister provides care for me as well. I do not deserve to be punished this way. A wrongful foreclosure on our home will become a hardship for us and cause irreparable injury to my family. Sadly, this rapid and aggressive foreclosure on my property constitutes a negligence from the bank including that the terms and circumstances of the mortgage are so unfair. The trustee did not follow state procedure such as notifying me of any sale date ; the lender did not give me the time to work on a payment plan. The lender is rushing to take my home and make me homeless. I do not have the funds to hire an attorney, but I am writing your office for leniency and to be aware of my case. I have sent a QWR Qualified written request to the lender requesting for all correspondences and closing papers on my property. I am a compensable XXXX veteran who is willing and able to pay my mortgage and bills. But the bank will not give me a chance to re-structure my loan or allow me pay instead they want to rush to foreclose on my home. There is an 8 year gap since last payment due to their negligence. I served my country wholeheartedly and left the military with an XXXX XXXX ; I am a XXXX veteran, a single parent and the head of my household. My family depends on me for survival as our life will become jeopardized.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-25

Bohemia, NY

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

Timely Response

2017-09-25

Tampa, 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

2017-09-25

Carol City, FL

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

2017-09-25

Quartzsite, AZ

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: On XXXX I received a {$25000.00} loan from XXXX XXXX XXXX XXXX XXXX to fund a new construction pool at my residence ( XXXX XXXX XXXX XXXX XXXX AZ XXXX ). The loan number is XXXX and was funded on XXXX. On XXXX XXXX XXXX filed a 'Deed of XXXX ' with XXXX XXXX and the recoding number is XXXX. On XXXX I took a {$65000.00} second mortgage with Ditech XXXX XXXX Mortgage XXXX XXXX Ditech loan number XXXX ) and they paid off the XXXX XXXX XXXX XXXX XXXX loan listed above. However, XXXX XXXX did not submit a 'Deed of Reconveyance ' with XXXX XXXX after the loan was paid. I can not sell my home and/or refinance my home with this lien/deed of trust still active. XXXX XXXX has since changed names to XXXX Bank and I have tried multiple times to contact them with the phone number provided on their website for customer service. The customer service representatives I have spoken to have no knowledge of the original loan in question since it is not listed in their database.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-09-24

Nyc, NY

Incorrect information on your report

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

Public record information inaccurate
Complaint: InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.
Company Response: Closed with explanation

Timely Response

2017-09-24

Sylvania Township, OH

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX my mother quick claim her home to me. I began making payment. which was with a another mortgage co. in XXXX XXXX the home caught fire the insurance co as well mortgage co was notified in XXXX of XXXX the mortgage was sold to another mortgage co which I to prove the deed was signed over to me at that time I could only talk with the department that deal with insurance claims in which I got the run around with the contractor papers. I at that point ask for the home to be paid off in which I submitted a letter at that point they stop talking with me. in XXXX of XXXX I received a call from them asking me if I still wanted the home paid off I ask about the letter I submitted and was told to submit another that one was no longer any good at that point I ask a friend who is a lawyer to contact them in which he did in XXXX of XXXX I found out they indeed paid the home off but never notified me or lawyer I had to XXXX in back taxes in which said mortgage co stated they had been paying the taxes and would take out of money owned to me call friend ask if he would contact mortgage co ask were was the balance owned to me.
Company Response: Closed with explanation

Timely Response

2017-09-24

Between, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) 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 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 SSXXXX income of {$800.00}. Once again, nobody informed them that the account had to be 60 days delinquent or death or divorce or XXXX. 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 : XXXX Divorce XXXX Ditechs records reflect that we received a completed loss mitigation application from XXXX XXXX onXX/XX/XXXX. XXXX XXXX loan was reviewed for a modification and the enclosed modification denial letter was sent onXX/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 onXX/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 XXXX 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 XXXX orXX/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 Ditchs response from the file compliant, XXXX 15 days investigating against Ditech , emails from XXXX 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

2017-09-22

Hatboro, PA

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

2017-09-22

Corfu, NY

Trouble during payment process

Mortgage: FHA mortgage

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

Timely Response

2017-09-22

Raeford, NC

Closing on a mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-09-22

Nappanee, IN

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: XXXX - This is my previous complaint filed on XX/XX/XXXX. As ofXX/XX/XXXX the company responded saying they needed more time to research my original complaint. Three days later I get a letter from Ditech and I suppose this is their solution. Enter into another trial modification before a loan modification or face foreclosure. This does n't address the issue. I have a document from Ditech stating the payment arrangements that were agreed upon following my recent XXXX. These tactics only further my bad feelings for this company. They ca n't be trusted. All this does is add more interest to the mortgage and they continue to milk money out of their customers. I 'm thoroughly frustrated that a consumer can be treated this way and the company get away with it. I 've had nothing but issues for the past 10 years from Ditech ( former known as Greentree and XXXX XXXX ). I now have until XX/XX/XXXX to decide whether I accept the trial modification or face foreclosure. This will be before the allowed 15 days that the company has to respond. So if I want to keep my home, I 'm left with no choice but to comply and keep paying this company their milk money. I thought these tactics were addressed years ago but apparently they can still get away with it. I hope this can serve as a warning to other individuals about this company and help others avoid this nightmare we 've been dealing with.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response