Consumer complaint received 2019-11-16
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Consumer Financial Protection Bureau Online Dispute Only To Whom It May Concern : In XX/XX/XXXX I submitted a complete modification package to Ditech Financial LLC. Over a period of several months I submitted updated documents whenever requested, such as recent bank statements and pay stubs. I also submitted with the original modification a hardship letter, whereas I explained in detail the several pressing issues I was facing such as unpaid medical bills, charged off collection accounts, and a short term employment situation that was eventually resolved. 
Through a third party power of attorney all correspondences can be accounted for, including several telephone calls where a Ditech representative suggested a streamline modification could be approved by Fannie Mae. I never received a letter dated XX/XX/XXXX where I was declined a modification based mostly on a credit score. Ditech never submitted such a letter either directly to me by regular or certified mail, or by email. Just a week prior to this date Ditech Financial LLC requested updated pay stubs and bank statements. It was during this timeline where Ditech was involved in its second bankruptcy since XXXX. 
While in the bankruptcy process Ditech tried on more than one occasion to offset and eventually release any ongoing claims pertaining to foreclosure procurements and abusive collection procedures. Decisions were handed down with the U. S. Bankruptcy Trustee in the Ditech case, as well as a state court in the Southern District of New York. 
My rights were protected while I was in the modification process as it went against the federal trustee protection of Ditech consumers they serviced loans for on behalf of Fannie Mae. My rights against this illegal foreclosure was also in violation of my rights under the amended Fair Debt Collection Practices Act of XX/XX/XXXX. 
I request intervention on this illegal foreclosure action by a multitude of federal and state agencies. 
My overall financial situation has improved significantly and my creditor collection matters will be completely satisfied by XX/XX/XXXX. 
Obtaining a modification refusal on credit score grounds is completely illegal and unconstitutional. The merits of this argument alone is enhanced simply by a defaulted mortgage history.

My income debt to income ratios are significantly improved by the settlements on all collection accounts, the pay off on all medical bills, and I brought myself back to financial wellness by using an alternative debt reduction process outside a bankruptcy petition.

I demand the reinstatement of my rights to complete the Ditech modification process, and I am going to once again submit updated bank statements and pay stubs.

Even though Ditech Financial LLC might be under new ownership, it is the responsibility of all connected parties to protect my rights under the Fair Debt Collection Practices Act, in addition to the federal trustees decision to maintain consumer rights pre-merger.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief