Consumer complaint received 2020-06-03
Company: Ditech Financial LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A mortgage for a mobile home ( no land included ) that was originally with Green Tree servicing but was later sold to Ditech matured in XXXX of XXXX. At that time, Ditech claimed there was a remaining balance of approximately {$5100.00}. In XXXX, my husband ( his name was also on the loan ) had to file personal bankruptcy. This loan was not included in the filing and remained current during that time period. Perhaps it was due to my husband 's bankruptcy, but Ditech no longer sent correspondence that included his name, only mine. However, they would not talk to me, even though I was not in personal bankruptcy. When the loan finally matured, and they claimed we still owed thousands, I inquired about the charges. I could never get anyone to help me. I called, left messages, sent emails, wrote letters. I never received a response. Eventually, we received a letter from an attorney 's office ( debt collection agency ), and I tried again to call and email. I never received a response from the attorney 's office. I was not trying to avoid paying any debt that I owed, I just wanted an explanation of the charges since I did not understand how we could owe that much at the end of the mortgage term. Ditech went bankrupt apparently, and now the account is with XXXX XXXX. I received a notice in which I could dispute the validity of the debt. So, I did this in writing. In response, I received a transaction summary in the mail from the company. This gave me hope. In my correspondence, I stated that I wish to pay and settle this account, but I simply need to know what I am paying. In the summary, there were several charges for an inspection of the property ( to determine occupancy status ). This must have been due to my husband 's bankruptcy, but this property was not involved. There was also a charge of almost {$800.00} for the residence being " vacant '', but it has never been unoccupied. This could be proven with utility statements, if necessary. Many, if not all, of the charges that are left on this account are not legitimate, but I still can not get anyone to discuss them and to settle this issue. By now, I am willing to pay money that I do not owe in order to end this. It has had detrimental effects on my credit, as it is reported on my report only, even though my husband was first on the account prior to his bankruptcy and we never put it solely into my name. I have explained this situation to many people over the past couple years, but I have never received any assistance in determining the validity of the charges on the account. I have saved the money to pay it off, and now they will not accept payment because they claim it is in the process of foreclosure. This account was just recently sold to XXXX. And, I was hopeful that I could settle it with them since I at least had some success with correspondence. But, this was unfortunately not the case. The residence is an older model mobile home with no land included. I am not sure how they can foreclose. We obviously do not want this to happen due to {$5000.00}. I just want this to be over. I am an honest person who wants to pay what I owe, but who can not afford to pay additional fees as they accumulate on this account. I want to pay whatever I need to in order to settle this. I have pleaded with both companies. I have been unable to get anyone to listen and help end this nightmare. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation