Consumer complaint received 2019-03-16
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint that I have needed to file against Ditech. There have been more negligent actions which I will explain and my original complaint was not even fully covered in the response. 
I am currently working with a lawyer and the county tax collector to get full transparency on how much this company 's mistakes as caused issues with my lien, mortgage, credit and finances. 
To start, the first complaint discusses how my property taxes were not paid. The response was, " In response to your concern regarding the payment of your property taxes, please note that your property taxes are paid in four ( 4 ) installments each year. It appears your fourth installment was due on or about the time your account service transferred to us. At the time your account boarded our servicing platform, the information provided to us by the prior servicer did not indicate a payment was due for your property taxes, which suggest the timing of the service transfer may have overlapped with the property tax due date. Please note that a property tax disbursement was sent on XX/XX/2018 to your taxing authority to pay the fourth installment. In addition, Ditech has paid any late fee assessment charged by your taxing authority. '' This does not cover the fact that my property went into a tax sale and was SOLD. It does not discuss that despite it being XX/XX/XXXX in which was not paid, that taxes were not paid until XX/XX/XXXX, AFTER I had to file a complaint. I had been calling about this for two months.

At this point, with all of the negligence of this company : 1.Sending me to collections because of their mistake of my mortgage payments, when I was never even late.

2. Taking SIX months to fix this problem, AFTER I filed a complaint. I called several times each month trying to get this sorted out. 
3. Not paying my taxes. Causing a lien and tax sale on my home, which was bought.

4. Not contacting my Home Insurance to pay it. This was realized when I received a bill from them.

5. Allowing my escrow to go {$6300.00} dollars in negative without telling me, causing me major financial issues.

The company did not even mention my requests for all their faults. Which is that I want to refinance. And I expect them to pay any interest that I gain because interest rates have gone up. I also expect them to pay closing costs. I do not have any confidence this company will pay my bills in the future. Now that there is a bank that has investment in my property because of the tax sale. 

I am also looking into the property tax numbers and it looks as if Ditech is having ME pay for the fees and interest that was accrued because of the tax sale and late property tax payment. This is against the law. 

I have spent numerous hours on the phone because to speak with a representative, it is a minimum of 20 minute hold. Then another 30-45 minute hold for a supervisor. I still never heard from the supervisor XXXX XXXX. I spoke with another supervisor XXXX, who kept me on hold for 45 minutes. Was very quip in her tone. And was unable to offer me any help in any of these above topics. I explained how long I wait on the phone and requested a direct phone number, as I have so many issues with the company and she said that supervisors do not get phone numbers, which is another lie. 

I will be retaining a lawyer unless my requests are met.

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