Consumer complaint received 2018-03-19
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This e mail is in reference to complaint number XXXX. 
As per that complaint I have had ongoing problems with my mortgage company in that they were paid extra money to set up my mortgage on an automatic withdrawal from my bank account. As previously stated they have Ditech has on several occasions not taken the money out on the pre-determined date or attempted to take extra money causing my bank account to accrue overdraft fees. the last time this happened last summer I spent several hours on the phone with various representatives and sent them all the information the requested in order to recover the bank overdraft fees which they freely admitted was their error. This was a lie as several months later another representative with Ditech said that they would not refund my overdraft fees. My mortgage payment is set up with my bank such that Ditech is authorized to take out {$1000.00} every two weeks. This include the amount of the mortgage payment due and an extra {$120.00} X 2 every month that is designated to go towards the principal. On the XXXX of XXXX Ditech was scheduled to take out {$1000.00} which they did not. Because they did not take the money out and thus did not get paid they assessed a {$30.00} non-payment fee. After several phone calls I was assured that yet again that this was a " Computer Glitch '' and that they would correct it. Later the next week the assessed {$60.00} more in fees for non-payment. Again I spent several hours on the phone with them and they assured me that they would correct the problem and that correct amount would be withdrawn from my account. I was even told the exact amount of money that they would be taking out of my account in order to " Catch everything up ''. The next day I received a collection notice from Ditech in the mail. It is my opinion that these people are attempting to set me up for a fraudulent foreclosure. way back in XXXX when I logged onto my bank account I discovered that amount of money they attempted to take out of my account was not only incorrect but greater than what was quoted. An amount that they placed back into my account as a credit. Yet again the mortgage was not paid as a result of their error. Yet again I have incurred another {$27.00} overdraft fee as a result of their error. After numerous phone calls over a month and a half ( During which DiTech mysteriously lost all my payment information, causing me to have to resubmit all my information again ) Ditech did refund my bank overdrafts and waived their internal fees, however 4 months later they still have not allowed me to successfully set an automatic withdrawal on my bank account. The reasons cited for not doing so is that I have had returned payments which they freely admit is because of their mistakes subsequently which has locked me out of their system. Over a period of three weeks I have left numerous phone messages with multiple supervisors at Ditech to try and straighten this issue out, to no avail. A quick search on the internet reveals that Ditech has a habit of improperly foreclosing on people and given the amount of equity we have built up in our house I am in fear that that is what they are setting me up for. I need help with this issue. Please, Please have a representative call these people and put some pressure on them. The representative that has been most recently assigned to me to set up my automatic withdrawal is named XXXX and her phone number is XXXX extension XXXX. 
Thank you for your time XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation