Consumer complaint received 2018-06-02
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Property owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX Loan : XXXX ( XXXX XXXX ) Loan Holder : Ditech Financial LLC XXXX. XXXX   XXXX XXXX XXXX, XXXX XXXX Customer Service COMPLAINT Collections Dept XXXX XXXX Insurance Dept Final attempt on XX/XX/XXXX to  contact Ditech regarding my mortgage account. 
Loan XXXX was purchased by Ditech. Original loan holder XXXX XXXX XXXX. 
I have experienced the worst ever management of my loan, from XX/XX/XXXX-2 XX/XX/XXXX Issues : 1 ) Force of insurance When insurance on the property was in place for 1 year date of purchase as stated in the closing and provided more then 6 times the declaration to Ditech by fax and call from agent at XXXX current insurance provider. 
XXXX  Department was contacted with a complaint of stacking insurance by XXXX XXXX XXXX XXXX. Ditech states insurance was expired or canceled. 

Result : XXXX sent certificate of cancellation and no cost, monies will be funded. XXXX XXXX agreed it was an error. Ditech went unpunished. Time given to Ditech to contact the department of finance, reply back for me to contact Ditech direct to resolve the issue. while waiting correction and credit back to loan XXXX which did not happen as promised. My perfect pay history now shows force of insurance and default of payment. 

2 ) Reports requested for XXXX property the end of XX/XX/XXXX around XX/XX/XXXX request was made. XX/XX/XXXX report arrived incomplete. 2nd report request which arrived in XX/XX/XXXX Annual Escrow Statement Arrived. 
Ditech was contacted with errors on escrow reports as to the monies that was received by Ditech from XXXX XXXX was not reported in the report given. 

Results : I XXXX contacted Ditech 's customer services dept asking a supervisor to contact me XXXX t XXXX. No contact made by Ditech. I called Ditech ask to speak with someone who can help me review my loan. Advised no one was available their in a meeting ask that someone contact me. Clear stating how many time I have place a call with no reply back. 

I contacted XXXX XXXX XXXX XXXX ( manger ) XXXX XXXX as her to review my loan and assist me with contacting Ditech. 2-way conference call was made with XXXX/XXXX  and claimed supervisor for Ditech. File is being worked on. 1Week few days I contact XXXX XXXX again with the same complaint now Ditech sending different statements with lot of different amounts on them. I fax over the statements and request she find out on my behalf. I was contacted by XXXX XXXX that I have to authorize her to speak on my behalf. Call placed with both parties to Ditech. Speaking to supervisor ask if I make a payment as stated XXXX anything on completion of making the correction would be returned to me if I choose to. 
In stating the supervisor said that the file was being up dated and credits would be in place to the account. Where would I want the monies to be sent to me or applied to the account. I XXXX replied to payout any shortage and deposit remainder back in escrow account. Did Not Happen 3 ) XX/XX/XXXX Annual Escrow Account Statement arrived to residents dated : XX/XX/XXXX as before now payment changing. Which shows ( 3 ) options current Due date XX/XX/XXXX ( document dated XX/XX/XXXX ) principal & interest : XXXX Escrow : XXXX Escrow shortage : XXXX payment : XXXX Change of : XXXX option ( 1 ) XX/XX/XXXX XXXX XXXX Shortage XXXX Option ( 2 ) XX/XX/XXXX XXXX XXXX XXXX *Attached a shortage coupon in the amount of :XXXX by XX/XX/XXXX 4 ) FORCE INSURANCE dated XX/XX/XXXX the date to expire attached declaration. 
Shows the intent not to pay invoice for renewal. Rep stated monies was sent for renewal and XXXX did not except the payment. Find out to be untruthful. I XXXX XXXX have not changed the company am insured with remains the same from XX/XX/XXXX-XX/XX/XXXX currently. 

5 ) Charge fee for not being late my loan agreement states XXXX of the month and later after the XXXX of the month. Ditech charges for the almost every payment which is placed on auto pay. 
Result : None. Rep never seem to know its the computer. If so why it's programmed in that manner? Reply : do not know your account will be update and will reflect the balance. 
Do not let Ditech or any other company rob 'first class. 

I currently have paid into this loan : XXXX CPA/Counsel/ XXXX have all verified. 
With a over pay my loan by thousands of dollars. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX ( not true ) XXXX XXXX   XX/XX/XXXX XXXX TAX : HARZARD : INSURANCE : Total:XXXX TOTAL PAYMENT AMOUNT:XXXX INTREST : RATE : 4.75 Ditech asked to show the pay history of monies received and placed on hold and how monies was disbursed out. 
I was told the loan as +XXXX in the account with no explanation to account activities. 

XXXX was declared XX/XX/XXXX payments referred and Ditech reported the to credit bureau and charged additional fees to my loan as well. 

I am now aware of the fraud activities of Ditech, Green Tree, or any other names used. 
My last contact to Ditech was XX/XX/XXXX. being told the account -XXXX upon reviewing the file it was +XXXX I could pay XXXX for the next month payment. I would have to do another written request by fax. If I wanted more details. That she is limited to what sh can see was being assisted by her supervisor XXXX. 

I call because I received a collection letter after speaking with the dept the gentlemen XXXX # XXXX did not see why I would be calling collections. 
Dated : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ( No one in collections can verify a balance just transfer me to customer service. ( others attached ) All document to support all the issues. I'm seeking a professional handling and processing my loan correctly place my over pay into escrow account. 

Audit Ditech the red flag are riding 'high, everyone in the world can see. 
I intend to seek counsel if this is not resolved. Thousands of owner 's are dealing with scums like Ditech. Documents with Green Tree. I have no loan with Green Tree. 

Purchased the home XX/XX/XXXX have had 2 insurance claims plumping pipes/ XXXX on the property and a fraud acting loan holder. I will not rest until action is taken. 

Ditech has bankruptcy, false claims of debts, using other names during business, reporting information using credit bureau, harassment, force of insurance on insured properties, corruption. Misleading customer with customer service personal acting as agents or account specialist without license or skills to comply with state and federal laws, or answer customers. 


Truly ; XXXX XXXX XXXX XXXX

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