Consumer complaint received 2018-06-19
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech has identified a short amount in my Home owners and county taxes. The sent a letter asking me what I can do and options to make it happen. I selected an option. ( 1 ) The options was not relayed on the invoice for the following month. When speaking to them, 3 employees said that they could not change what had happened and that it was a automated program that NO ONE has control of. Odd, computer programmer at Ditech has no control over their company?? This resulted in the payment being increased for an option that I DID NOT Choose. The 3 persons that I spoke to said again, they can not change it. It is part of the invoicing system. Well ... ..the did, in fact change it to OPTION 2. The fact is, it was changed. ( to option 2 ) So that is an incorrect statement. 3 times from 3 different persons.. When challenged to find out a person that can stop this I was sent to the " GOOD OL '' Dead end call by voice mail. No call back from that VM. The Ditech company has not intention fo changing these issues. They are intentional.

This may seam trivial. But, in fact, it is NOT! This is a huge issue. There is small portions of money from all mortgages that are incorrect. The consumer may of may not have selected an option. Or ... overpaid. The money is not offered to the consumer but is applied as the servicer determined. I'm sure this is a CEO or CFO that makes this decision. Also, even small amounts are not processed properly when spread out over large amount of consumers the amount is HUGE!

Logic dictates that if they can change it payments up, ( option 2 ), they could have completed the option I selected to the correct statement. ( option 1 ). ( See Attached ) Why is this an issue? I have to call Ditech for other processing error also. 
BIG ISSUES! 

Ditech is sending invoices out as fast as you make payments. I have been engaged in 2 calls with this company in regards to LATE PAYMENTS. When in fact they had collected the money per their invoices and in their own statement said " they can not apply the amounts that were sent because of XXXX XXXX guild lines '' They then applied monies to principle and told me that I had LATE PAYMENTS! This is harmful to everyone. I have to fight them, I have a late payment that looks bad, this is what happened to me on another home where the same lender and services have sued me and foreclosed on the property because of late payments. You can not refinance for 2 years with 2 plus late payments. This is BY DESIGN. Locked in the loan! By Design! They know I can not change my loan until XX/XX/XXXX My home is a former XXXX XXXX Home Loan from XX/XX/XXXX. I'm worth more dead that alive. Same with the other home I purchased with XXXX XXXX. When these loans where purchased by XXXX XXXX XXXX for 50-60 % of face value, it is easier to foreclose and collect the full face value of the not from XXXX XXXX or XXXX XXXX on a foreclosure. 

These issues are a set up for the servicer and lender to profit when the lock you into the loan that they purchased from the GOVERNMENT for WAY LESS that the face value of the note. SCAM! 

Wake up! This company was called XXXX XXXX XXXX prior to Ditech and was sued repeatedly for PREDATORY LOAN SERVING. ( OWNED BY XXXX XXXX XXXX ) This is what we have here again. I do not have time to see what the SCAM is this time, I sure do not want to have to fight them to correct their errors, ( Even if the service personal believe that it is a deity that is making changes to the computer programs ) and I will not act stupid to make them feel better with the incorrect statement that they make. Logic is true. I do not think ANY SERVICER OR LENDER SHOULD BE ALLOWED TO SEND INVOICES TO PERSONS THAT RESULTS IN A XXXX XXXX   OR XXXX XXXX RULE VIOLATION. WHEN, IN FACT, IT IS THE SERVICER THAT CAUSED THE OVER PAYMENTS. THEN APPLY THEM TO PRINCIPLE AND CLAIM YOU HAVE A LATE PAYMENTS. WHY! Consumers should not need to look up these rules. Why must I, I grow tired of correcting the servicer and having to challenge unintelligent persons working there that will fight to prove that their illogical statements are true and that a deity is doing the programing at their company. ( must be an IQ test to work there and you need to be on the lower scale ) Please audit my file for the last 7 years. I have to call these people 2 times a year to correct issues. I DO NOT WANT TO BE TARGETED AND SCAMMED OUT OF MY HOME. HELP! HELP! HELP! 

XXXX XXXX XXXX See attached for loan information

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