Consumer complaint received 2015-04-16
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For over 2 years I have tried different ways to refinance my home, but I can not get Greentree Services to report my payments to the credit bureaus. Greentree has told me repeatedly that they only report to the bureaus IF the bureaus request the information from them, and that I should open a dispute with the credit bureaus that I have inaccurate info on my report and state that my mortgage is n't on the report. The last person at Greentree said they often have a conference call set up in which the account info is relayed to the credit bureau. In turn I have tried repeatedly to open a dispute and have XXXX request my payment history from Greentree. XXXX has stated and shown me that they do not request that sort of information or solicit account information from creditors and that I can not open a dispute on an account that does n't exist on my report. I have just gotten off the phone with XXXX this morning and filing this complaint is what they suggested I do. I have 11 years of excellent payments starting in XXXX XXXX and have paid extra on many of them. My original mortgage of 85k is down to 34k and I am trapped in a high interest loan of 7.99 % and really need to refinance our home. My circumstances have changed drastically since building this home. Since XXXX I have been XXXX and my income was cut in half. My wife and I divorced in XXXX and I have physical and legal custody of our boys, XXXX and XXXX. I have talked with Greentree about the changes since I XXXX took out the mortgage, but they do not refinance and I really feel like they want me kept in this mortgage and this rate, or what 's worse do n't care if I eventually lose the house altogether. I ca n't think of another reason for the deception in trying to put the responsibility on credit bureaus to solicit your info. I have tried other conventional ways to refinance and no one will consider it without seeing my mortgage on a credit report, even though I have laid down a copy of every payment made and the extra on principle for them to see. The extra on principle with Greentree may be a problem also as I saw a statement in my payment record I received in XXXX of how much you are paying toward principle on each payment. I 've never seen it before and not sure how to see how they 've been doing it and if it 's correct or legal. This may have been too long to say that Greentree has been giving me the runaround about getting my info to the credit bureaus because they do n't want you to refinance your home and do n't care if I lose it because I 've paid so much on it that they can foreclose and sell it without any problems. I realize that by law they do n't have to report to the credit bureaus, but they should if it 's requested. I know it costs them some money to do so and I am willing to pay a fee for them to as I need to refinance my home, but putting the blame and constantly pushing their customers to keep calling the credit bureaus when there is no basis for it is just unprofessional and really deceptive. I would n't recommend doing business with them at all. In the options for the mortgage process that this relates to I chose what I thought was closest. I hope someone will help me if there is a better choice or category.

Company response to consumer: Closed with explanation