Consumer complaint received 2017-09-25
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home on theXX/XX/XXXX, with a mortgage payment of {$1100.00} at the time. I was employed as a XXXX XXXX earning {$9.00} and working two jobs to make ends meet. By XX/XX/XXXX, I joined the XXXX XXXX XXXX to serve the country that I deeply love, as a XXXX with an XXXX pay grade my income was now enough for me to sustain my family and pay my mortgage and bills.
My mortgage had been current until XX/XX/XXXX when I was getting ready for a XXXX XXXX, as fate will have it during a XXXX XXXX XXXX in XXXX XXXX XXXX California, I was involved in a XXXX accident and was pulled off the trip. I became hospitalized and missed 3 mortgage payments ; I notified the bank of my injury which was at the time known as XXXX XXXX XXXX.
When I bought my home in XX/XX/XXXX, the mortgage company do send me a bill prior to the due date which I mailed back with a check or money order, but stopped sending the bill at the end of XX/XX/XXXX.After 10 months or thereabout, I started to receive the bill again from the bank. I contacted the bank for the loan terms modification as lots of payment were missed, but did not receive a response from the bank from there again. My modification application was abandoned by the bank and at the same time, I was never communicated by them or any appointed agency regarding the status of my application.
Since the time of my modification application that was abandoned by the bank I never heard from the lender again, there were no bills sent nor communication from anyone or any agency. Also, from XX/XX/XXXXto XX/XX/XXXX, I had never been officially contacted or notified of a change in the mortgage companies.
Since XX/XX/XXXX till sometimes around XX/XX/XXXX, I was not officially contacted by any bank or received any notice or information about a change in the mortgage companies.XX/XX/XXXX, I received a statement from a bank called Ditech Financial LLC with an invoice for payment. I was not sure if they were legitimate or pranks because all I received was a statement of Bill that was not understandable. The last time I heard from any mortgage company regarding my property was XX/XX/XXXX and suddenly receiving a statement from a different bank that I do not know about was very disturbing.
SinceXX/XX/XXXX, there has been no contact from the said Ditech financial except for the statements I receive occasionally.
Early this year, I then applied for a modification on my loan, it was not conclusive as they claimed because there were missing required documents. I faxed the missing document to the agent assigned to my case, but she claims she never received it. The modification request was not complete to either be approved or disapproved when I suddenly received a Bill from Ditech Financial in the month ofXX/XX/XXXXasking me to pay a trial payment of about {$940.00} for the next three months without verifying my income or completing my file. I felt like I was slammed with a payment they felt like asking me to pay. I was very surprised that the modification paper I submitted to them was not conclusive as they claimed but they prefer to send me a bill anyway.
I contacted them to start a new modification since my income had changed after I became XXXX. I had not completed the paperwork or sent in all the documents for the modification and was in the process of sending them my updated information again when I suddenly received a bill to pay the said trial of {$940.00}.
By the XX/XX/XXXX, I received a letter from an attorney requesting that I pay a sum of {$230000.00}, I was confused because the property itself is only appraised for {$70000.00}.
I called the attorney, and I was told to come up with the amount owed. I started to reach out to counsels for legal advice on what to do as this is extortion and abuse but cant get the right help I need. The lender is not willing to work on my modification or offer me enough time to work on a plan for my home. I have my XXXX income, and I should not be forced out of my home that I have known and love for an offence I didnt commit. This is a home my family and I have lived in for 15 years filled with memories and love ; I do not want to lose my home because of a lenders negligence. There has not been any payment made since XX/XX/XXXX for the past 8 years ; I do not know which bank to call or pay to since then and was not contacted by anyone or any agency informing me of any change in mortgage situation until now.
Recently, I started to receive random letters in the mail from different attorneys and people informing me about a foreclosure. I was shocked, the attorney for Ditech nor the lender themselves never informed me of a sale date or any upcoming foreclosure date. I was made aware by public information from notices I receive from unknown sources in my mail.
Since the end of XX/XX/XXXX till today, I have had unknown individuals come to my home to evict me saying they are from the bank, I receive letters asking me to move out of my house within 72 hours and hand over the keys to them, I am threatened as I receive letters demanding possession of my property claiming they are from the bank.
While I was away on medical treatment, on the XX/XX/XXXXmy home was completely burglarized and vandalized, my vehicle was stolen from the garage and all my valuables gone. The police were called by my neighbor to the scene to secure my home. For several weeks now, I am afraid as people told me it might be the bank who had come to collect my valuables until a police report revealed that it was a robbery. At the moment, I live in fear of intruders and people coming to invade my privacy and at the risk of losing everything Id worked for 15 years. I live in fear of homelessness as I cant leave my home for a second as I am afraid a repossession company will move me on the street according to the threats I receive. Our lives are not safe as this bank has exposed us to unnecessary public view without proper notice.
I live in my home as an XXXX XXXX veteran of the XXXX XXXX XXXX  ; I concurrently receive treatment from the VA on a regular basis, and not employed and cant work. My kids attend the local school in the area. My sister provides care for me as well. I do not deserve to be punished this way.
A wrongful foreclosure on our home will become a hardship for us and cause irreparable injury to my family. Sadly, this rapid and aggressive foreclosure on my property constitutes a negligence from the bank including that the terms and circumstances of the mortgage are so unfair. The trustee did not follow state procedure such as notifying me of any sale date ; the lender did not give me the time to work on a payment plan. The lender is rushing to take my home and make me homeless. I do not have the funds to hire an attorney, but I am writing your office for leniency and to be aware of my case.
I have sent a QWR Qualified written request to the lender requesting for all correspondences and closing papers on my property. I am a compensable XXXX veteran who is willing and able to pay my mortgage and bills. But the bank will not give me a chance to re-structure my loan or allow me pay instead they want to rush to foreclose on my home. There is an 8 year gap since last payment due to their negligence.
I served my country wholeheartedly and left the military with an XXXX XXXX ; I am a XXXX veteran, a single parent and the head of my household. My family depends on me for survival as our life will become jeopardized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation