Consumer complaint received 2018-05-01
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Ditech in XX/XX/XXXX following Hurricane Harvey. Ditech offered a 90 day forebearance and stated they would send me out forebearance documentation. As of XX/XX/XXXX, I never received the forebearance documents but instead began receiving foreclosure notices from an attorney out of XXXX stating my home is in foreclosure and I had 30 days before I loose my home. I informed the attorney 's office that I was not aware of a foreclosure due to being in a forebearance and she suggested contacting Ditech to remedy the problem. I contacted Ditech several times ( two to three times a month dating back to XX/XX/XXXX ) after that and was told the foreclosure code was an error and would be escalated to a manager to correct ; however, Ditech never corrected the error resulting in me receiving all types of solicitation notices about the home being in foreclosure. Due to Ditech 's error and the company constantly stating not to make a payment until the error was fixed has me now with over a {$5000.00} mortgage payment. I have started the process for a loan modification, which again I do not received any correspondence from Ditech and the only way I know of what's happening with my loan is when I call. I sent the paperwork for the loan modification in XX/XX/XXXX and when I called to get an update I was told I was missing documents. I was levied and explained to the agent that I had not received anything from Ditech informing me of the missing documents. I also told the agent the same thing I've been staying for months, which is I do not get mail, phone calls, or any type of notification from Ditech and I feel the mortgage company is purposely trying to take my home. As of today, XX/XX/XXXX the error code is still showing in Ditech 's system even though every agent has stated the error would be fixed. I spoke with XXXX and then the supervisor XXXX on XX/XX/XXXX. They were rude and unprofessional on the phone and insulted me throughout the call. I explained to them the error but was told my both of them that I was mistaken and the foreclosure was correct. I told XXXX if he would read the notes from XX/XX/XXXX to present he would see the error and I told him about Ditech 's lack of communication regarding anything with my home. He stated I will never receive anything other than informational documents due to never reaffirming the property after a bankruptcy I had over 7 years ago. This is the first time I am hearing of this and I told him that. He finally read the notes and saw where the forebearance was approved in XX/XX/XXXX and the code was entered in error. My complaint is I believe with 100 % of my heart and mind that Ditech is fraudulently trying to foreclosure on my home. I asked XXXX what legal recourse do I have against them foreclosure if I am never informed that there is a problem. He could not answer me. These fraudulent tactics can not continue! The government needs to do something about this company. I am a XXXX XXXX survivor and have been in remission for a little over a year. This stress is unhealthy and unwanted by me. This is the second time Ditech has tried a malicious attempt to fraudulently foreclosure on my home. Enough is enough. I filed a company with CFPB in XX/XX/XXXX when they kept returning my mortgage payment I mailed to them for three months and then Ditech started the foreclosure process for nonpayment. I contacted CFPB and they corrected their fraud and now this. Please help consumers stop this company from all of these illegal practices.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation