Consumer complaint received 2016-06-17
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became unemployed in XXXX, no fault of my own, and fell behind on my mortgage payments by 4 months. I was trying to work with Greentree ( Ditech ) to help me in anyway so I could get caught up. They offered me a trial payment period via telephone ... I never received an official letter of this conversation yet I sent my payment of {$500.00} in XXXX, XXXX, and XXXX XXXX. I could not reach my account representative so I made another payment for XXXX to be on the safe side. Finally a customer service rep said I think your next step in modification so I 'm sending you the application to complete. I sent all information back in but was denied modification. I 'm unsure why I was denied. I was only making {$9.00} an hour and my mortgage was more than XXXX % of my income. I have attempted modification 3 and 4 more times since and now I 'm told my mortgage is " not '' more than XXXX % of my income. In attempts to do whatever I can to save my home, I contacted XXXX to help me work with my lender. We completed a 3-way conversation XXXX XXXX. They basically stated there are no other programs I qualify for. I asked the question, " why did I go through a trail period of payments to just end up being denied time after time? '' The customer rep tells me that an offer was made to me by mail in XXXX XXXX. This was the first time ever hearing that an offer was made. I never received an offer. 
I then proceeded to contact XXXX XXXX, the investor for my loan. I filed a complaint against Greentree with a lady named XXXX. She has since contacted Greentree ( Ditech ) and advised them that an investigation be completed in this matter. I contacted Ditech first week in XXXX XXXX to follow up, customer service stated that all is noted but that 's all the notes she has. Meanwhile the foreclosure proceedings have accelerated and a sheriff sale is scheduled for XXXX XXXX XXXX. 
To add to the misery I have been put through during modification ( s ) include but not limited too.. ( 1 ) .fax numbers reading " no answer '' or " busy '' for days on end. Eventually calling to get a second and sometimes a XXXX working fax number. ( 2 ) My account representation changed sometimes every 30 days ... resulting in voice messages and documents never making it to anyone. ( 3 ) account reps being rude and laughing and snickering over the phone. I had many problems with one rep named XXXX. ( 4 ) modifications being canceled for unknown reasons and having to start over. 
I would also like to add ... the day before my court hearing, the mediation, with Greentree. I received by XXXX, a letter from XXXX XXXX XXXX stating that my XXXX % XXXX mortgage loan has been forgiven. ( {$12000.00} ). Now I know for a fact I can afford my XXXX mortgage payment, yet I keep getting denied. This also causing my mortgage to now be below the XXXX % of my gross monthly income.

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