Consumer complaint received 2018-05-03
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My daughter, XXXX XXXX XXXX, obtained a loan on or about XX/XX/XXXX to purchase a manufactured home from XXXX XXXX, a XXXX XXXX, Title Number XXXX, VIN # XXXX, XXXX XXXX XXXX XXXX XXXX, Description : XXXX XXXX, to which XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, placed a lien on the title issued by the Idaho Transportation Department. 
In XX/XX/XXXXmy husband, XXXX XXXX. XXXX, obtained a loan through XXXX   XXXX in XXXX XXXX, Idaho, on 2.66 acres of land and the manufactured home originally purchased by my daughter as described in the paragraph above. This transaction paid the XXXX XXXX off and should have satisfied the lien that XXXX had placed on the manufactured home. 
My husband, XXXX XXXX. XXXX, died XX/XX/XXXX ; and I, XXXX XXXX XXXX, was appointed by the Court as Legal Representative. In XX/XX/XXXX or XX/XX/XXXX, exact date is unknown, I paid the loan with XXXX XXXX in full. XXXX XXXX issued a Deed of Reconveyance on the land and presumably on the manufactured home which my daughter, XXXX XXXX XXXX, had signed off interest in when XXXX XXXX lent the monies in XX/XX/XXXX. 
XXXX XXXX failed to provide the original Title issued by the Idaho Department of Transportation when the loan was paid in full, so it can not be verified that XXXX had signed a release of lien on the title to the manufactured home ; but, I can not imagine a lender wouldnt have demanded a release of lien upon providing funds for the payoff. 
XXXX XXXX has now been assumed by Ditech and XXXX XXXX has been assumed by XXXX XXXX. Neither Ditech nor XXXX would have had to service a loan on this manufactured home because the monetary obligations had been satisfied prior to both assumptions. 
Ditech was notified on XX/XX/XXXX, that they needed to provide a release of lien to the Idaho Department of Transportation on the manufactured home in question. On XX/XX/XXXX, after no response to my request, I again contacted Ditech and they asked for an Idaho Title Search to try to identify the original loan. The title search was provided the same day. 
On XX/XX/XXXX, Ditech wrote a letter stating they could not locate an account and I needed to provide them an address for the manufactured home and a complete social security number. I called Ditech at ( XXXX ) XXXX and talked with XXXX ( extension XXXX ) and she tried to connect me with the Manufactured Home Department without success. She said that she would submit the requested information which I had provided ; but, also gave me a direct number to contact the Manufactured Home Department myself ( XXXX ) XXXX. 
On XX/XX/XXXX, I again attempted to contact Ditech to resolve the matter. I was unable to talk with any human, but did leave several messages on their recorder. I also tried the original number given and encountered another brick wall. I read on the internet that Ditech is having financial problems which makes prompt resolution of utmost importance before another financial entity becomes involved. 
On XX/XX/XXXX, I also attempted to resolve this problem through XXXX XXXX who had assumed XXXX  XXXX. XXXX XXXX having failed to return the Title to the manufactured home when the loan was satisfied. They were unable to identify the loan with my husband ; and, they told me that they were only required by law to keep the information for 7 years and since this loan was paid off in XX/XX/XXXX or XX/XX/XXXX, they didnt have the information any longer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief