Consumer complaint received 2019-07-03
Company: Ditech Financial LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
1. XX/XX/XXXX the company I was working with Sold and downsize, my department was the 3rd tier of lay offs and I struggled for employment. The mortgage company at the time was Greentree Services, I applied and approved for a loan modification program 2. I set up direct payments from my bank to GTS to ensure timely monthly payments. 
3. Early XX/XX/XXXX GTS called stating the XX/XX/XXXXpayment had not been received and asked for the XX/XX/XXXX mortgage payment over the phone ( which I gave them ) I paid my bank {$30.00} stop payment fee on the 1st payment. I have bank documentation ( attached ) proving GTS DID receive payment in October but GTS DID NOT post until XX/XX/XXXX. I was told " don't worry about it '' 4. XX/XX/XXXX Payment was issued from my bank and Submitted on time 5. GTS returned the XX/XX/XXXX mortgage payment bank check back to me, stating I was rejected from the program due to none payment in XX/XX/XXXX. 
6. Communications with GTS During the next year and a half ( XX/XX/XXXX -XX/XX/XXXX ) GTS told me to mail and fax all bank records, documents, statements, tax records, loan modification packets providing the proof of XX/XX/XXXXpayment. ( documents attached ) 7. I faxed and mailed GTS 10-15X at {$2.00} a page, Mailing documents @ {$1.00} per envelop to NO AVAIL 8. XX/XX/XXXX ( NOW DITECH ) I found foreclosure papers nailed to my front door and now I am in fear of loosing my home, being homeless and financially ruined. Acquiring charges daily since XX/XX/XXXX in addition to compounding fees, charges, late and annual fees, lawyers fees totaling and adding up to {$45000.00} to my mortgage balance. 
9. I was drained mentally and financially ruined because of GTS/DITECH The XXXX XXXX and XXXX   during this time frame was so unbearable I am still haunted and XXXX when I think about the situation today and panic at the thought of reliving it. 
10. I had NO recourse, no one would listen, no one cared, no one provided advice. I felt as though there was no other choice but to file bankruptcy, which did XX/XX/XXXX. 
11. Now 3 years later -XX/XX/XXXX Ditech sends me a loan modification packet low monthly mortgage payment ( roughly {$850.00} ) I was was advised by legal aid ( bankruptcy and legal assistance for low income ) 12. Take  the deal NOW and run. LA told me I could NOT negotiate the {$45000.00} in fees added to the mortgage balance. Keep in mind I bought this house for $ XXXX in XX/XX/XXXX( XXXX yrs ago ) My pay off balance NOW is {$190000.00} ( whats wrong with this picture? ) 13. Fast forward to XX/XX/XXXX. DITECH/GTS and whatever other names they operated under. have now filed Bankruptcy. They will wipe away all debts, restructure, reorganize, and properly walk away with millions if not billions of dollars " smelling Like a rose '' operating under the same code of ethics destroying consumers once again. How is this Fair or Ethical????? 
14. Nevertheless, in XX/XX/XXXX I was given the opportunity to file a " proof of claim '', which did as a debtor of DITECH ( documents attached ) 15. I am so far down of the list of debtors My fear is I will NEVER receive a dime, or retribution for the damages DITECH imposed and continues to impose on me still to this date. 
16. I am current on my payments yet the last statement I received was ( 6-7 months ago ) XX/XX/XXXX from DITECH-Reflected I was behind {$2500.00} behind on payments ( NOT TRUE ) 17. Being harassed again! letters are posted to my door DITECH people drive by taking photos of my property ( I asked the last person taking photos what they were doing, why and for whom- DITECH ) 17. I received a DITECH loan assistance packet in XX/XX/XXXX which I submitted in XX/XX/XXXX. I HAVE NEVER RECEIVED A RESPONSE FROM DITECH - calls made to no avail ( unethical ) 18. The XXXX XXXX is unbearable, I am XXXX and reliving the fear of losing everything all over again. Fear of repetition of not being heard, not having a leg to stand on, losing my dignity again. I am suffering the consequence of an incompetent and unethical company DITECH! WHY HAS THIS BEEN ALOWED TO HAPPEN for so long AND WHY / HOW CAN THEY CONTINUE TO GET AWAY WITH IT!! 
19. DITECH documents false records and statements without any consequences, this is against the law Please HELP ME TO STOP THIS

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation