Consumer complaint received 2016-08-05
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My loan is serviced by DiTech/Green Tree, held by XXXX The original equity line of credit on my home was taken with XXXX. I filed a complaint in XXXX of XXXX concerning how this account has been handled. Rather than making an attempt to rectify the problems, DiTech and XXXX has taken steps to mock my concerns in the original complaint. In XXXX, final payment was made on a bankruptcy case in which this loan was listed as a creditor. While most payments were cashed throughout the bankruptcy case, there were several that were returned and subsequently placed in a holding account with the bankruptcy court in Ohio. There is more than {$2200.00} that still remains in that account, which is now going on two years just collecting dust. My original complaint demanded that DitechXXXX take the proper legal steps to receive the payments from the court, thus significantly reducing my current loan balance. I had also requested that they remove my late husband 's name from their mailing list, as he passed away in XXXX of XXXX. They were sending " Privacy '' letters/statements to me in my now-remarried name, and a separate letter to my late husband. A representative at DiTech told me that they were required " by law '' to send those letters to anyone listed on the loan, including the deceased. Since the initial complaint was filed in XXXX XXXX, I 've experienced more difficulties with DiTech, and I 've had no problem verbalizing my complaints with their reps. I 've mailed XXXX checks that have n't been cashed, so I 'm in a position that I must call or have my payments perceived as " nonpayment. '' When I call to make a payment, I am transferred and transferred, on occasion up to five times, before being placed with someone that is " allowed '' to take my payment. In my XXXX XXXX complaint, I stated that Green Tree/DiTech and XXXX have known that more than {$2200.00} sits with the court since approx. XXXX XXXX. They 've known about this money and, until my last complaint, had taken no steps to retrieve it from the court. After my complaint, XXXX and DiTech have childishly mocked my complaint in an incredulously egregious manner. First of all, the less-flagrant games came with the " Privacy '' letters. They stopped sending them to me and now I only receive them for my DEAD husband - the opposite to their response. Secondly, and outright mockingly and deceptive, in my opinion, they filed a petition with the bankruptcy court that had NO supporting documentation showing their right to this money. According to the bankruptcy court 's denial of the petition, there was no supporting documentation attached at all. In XXXX of XXXX, I gave them 30 days to properly file the petition for these payments or expect a civil lawsuit, and a request to the bankruptcy court to deem this loan paid in full. I 've also been told that I can make a payment with anyone that answers the phone, but, thus far, even that has not taken place. I do n't understand why I ca n't make a payment online like non-bankruptcy customers. Being allowed to make payments without having to deal with this company directly would be much easier and more efficient than calling, as I actually know what I 'm doing and I would n't have to deal with the continual runaround that these companies seem to enjoy engaging in every time I call. I am not the only person that 's having problems with DitechXXXX, and this is n't their first go-round with Bankruptcy courts. Knowing that makes me want to bypass this complaint process and just start a lawsuit, but I will give them XXXX last chance to fix their childish behavior.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation