Consumer complaint received 2017-12-05
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced my house in XX/XX/XXXX. Mortgage has been sold and transferred to a number of companies including XXXX XXXX XXXX, GreenTree and now Ditech. Any late payments over the years have been addressed and the loan/mortgage is current.. You will notice the history of pages 6 & 7 of the attached document. The mortgage with Ditech has been current since the XX/XX/XXXX history started. No notices of problems or late payments. 

Ditech allows payments to made online and are not considered late until XX/XX/XXXX. I utlize the online payment portal. 

XX/XX/XXXX when I went to make my payment, the online system said I owed back payments of $ XXXX. When I contacted Ditech, they told me it was a system error and all I owed was my normal payment of {$1500.00}. 

Since XX/XX/XXXX, I have received several notices ( copied attached ) that I am behind on my mortgage and subject to foreclosure. 

Note on page 1 of the attachment, dated XX/XX/XXXX. " We are sending this notice to you because you are behind on your mortgage payment. We want to notify you of possible ways to avoid losing your home. We have a right to invoke foreclosure ... .. '' Note : Payments are NOT late until XX/XX/XXXX and as of XX/XX/XXXX, I was NOT late. Please refer to the attached payment history. 

Letter dated XX/XX/XXXX : Provides notice that I had a specific account rep who can reached at extension XXXX. ( Subsequent attempts to reach this account rep have failed. The phone system does not recognize the entry of this extension ). 

Letter dated XX/XX/XXXX : Says I owe $ XXXX and indicating payments had not been received going back to XX/XX/XXXX. WRONG. 

Letter dated XX/XX/XXXX : Says I owe {$1500.00}. WRONG. I did nothing to pay off the previously stated $ XXXX and I did nothing to pay off the previously stated $ XXXX but I did pay my regular payment on XX/XX/XXXX. According to their history, this payment ( taken via phone on XX/XX/XXXX ) posted on XX/XX/XXXX - but now I owe {$1500.00}? WRONG. 

Please note on the history the activity on XX/XX/XXXX : Reallocation - Principal ( {$4900.00} ) Interest ( XXXX ) Escrow ( {$6200.00} ) - Principal balance increase by {$4900.00} Please note on the history the activity on XX/XX/XXXX : Reallocation - Principal ( {$3800.00} ) Interest ( {$10000.00} ) Escrow ( {$1600.00} ) - Principal balance increase by {$3800.00} Please note on the history the activity on XX/XX/XXXX : Payments - Principal ( {$3000.00} ) Interest ( {$4200.00} ) Escrow {$850.00} - Total Payment {$1500.00} - Principal balance increase by {$4200.00}. 

Please note on the history the activity on XX/XX/XXXX : Payments - Principal {$33.00} Interest ( {$33.00} ) Escrow {$17.00} - Total Payment {$00.00} - Principal balance decrease by approximately {$33.00}. 

From XX/XX/XXXX to XX/XX/XXXX - my principal balance increased by {$11000.00}. Why? Where did this come from? 

Please note page 8 of the document : Current loan details shows I am current. I do n't owe a payment for XX/XX/XXXX? Why? I have not paid for XX/XX/XXXX. 

My principal balance is {$240000.00} ( already addressed ). Why the increase?

Maturity date of XX/XX/XXXX? Over 36 years from now? I do n't remember ever refinancing my house for more than 30 years. I do n't remember any refinance or modification since XX/XX/XXXX. 

I would like an explanation with supporting documentation provided for this manipulation of the numbers and these issues FIXED.

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