Consumer complaint received 2020-05-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
SUBJECT : Mortgage Mismanagement and Possible Fraud I established a VA Loan for my current home in XX/XX/XXXX. Management and Payments on the said loan was initially handled by XXXX XXXX. Over the period since XXXX to the current time frame, Loan Transfers have occurred from XXXX XXXX, Green Tree LLC, Ditech LLC ( bankruptcy XXXX XXXX and the account transferred to one (? ) of the following XXXX - XXXX Agencies to the best of my knowledge. This matter has the appearance of a SCAM, intentionally confusing and who is the Real Mortgage Servicer? 
a. XXXX XXXX XXXX b. XXXXXXXX ( dba XXXX XXXX XXXX ) c. XXXX XXXX XXXX In XX/XX/XXXX, while online in my Ditech Account, I notice a comment stating the account was transferred and to contact Ditech LLC. Following the Bankruptcy, during my phone communication with a Ditech Representative I was requested to continue mailing my monthly mortgage checks as always to the established address with no changes. I stated the last certified mail payment of {$1900.00} to Ditech LLC was for XX/XX/XXXX. Additionally, I asked what was the date of the transfer and to whom? The name XXXX was giving to me and a contact number of XXXX was provided, I called on several occasions, but due to the CORONAVIRUS ( COVID-19 ) issues my calls encountered an extended wait period. Due to the nature of my job, I could not wait extended periods of time. Therefore, I decided to wait to receive the Transferred New Account Welcome Package information regarding the account. It was also explained, within 60 days I would receive the aforementioned package by mail explaining the details of the account ( Terms of Agreements, New Account Number, and a Monthly Mortgage Payment Date ). Additionally, neither penalties nor late payment fees would be applied doing the transition period. 

Starting XX/XX/XXXX, I sent the 1st of a series of Certified Letters to the attention of Owner/CEO at XXXX XXXX NMLS # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX. The Subject addressed the Request for a detailed Transferred New Account Welcome Package. Please note the three ( 3 ) attachment letters to XXXX dated XX/XX/XXXX, XXXX, XXXX, XXXX. As of this date, I have yet to receive such package as informed by Ditechs representative, nor any written response to my certified letters. 

In review of the attached Credit Reports for XXXX, XXXX  and XXXX, I have grave concerns for the distribution of Monthly Payments being applied to my Principle. Even with paying more during the duration of the account. Also, the lack of notification addressing random monthly payment increase and inadequate Credit History Reporting payments from XX/XX/XXXX to XX/XX/XXXX is unacceptable. Approximately in XX/XX/XXXX, Ditech attempted an unauthorized automatic Mortgage Payment withdrawal that was stopped. From that point forward, all payments were mailed certified with signature and return receipts. Please note the attached XXXX XXXX XXXX Cleared checks by Ditech LLC from XX/XX/XXXX to XX/XX/XXXX ( XX/XX/XXXX XXXX. The checks were not reported to the Credit Bureau supporting my Mortgage Payment History. 

My plans are to refinance my home for repairs and renovation. Due to the current aforementioned issues everything is on hold for clarification and the appropriate Mortgage Host. I am dissatisfied with the management of my Mortgage Account with Ditech. Also, I am even less comfortable with lack of Professional Management processes by the XXXX XXXX. Another grave concern is what affect does this have on my Escrow, Taxes and Annual Home Owners Insurance? Any payments due prior to XX/XX/XXXX, is the responsibility of Ditech XXXX. and as quoted, there is a 60 Day Transition Window. Without a formal written mutual Term of Agreement statement by the Primary Host, no funds can be released. Additionally, the Coronavirus Cares Relief Act address grace periods for Late Payments, Property Liens Foreclosures and Evictions. 

In closing, I am requesting an immediate investigation of Mortgage Mismanagement and a possible Fraud/ SCAM, by Ditech LLC and The XXXX XXXX ( XXXX ). I and my Financial Institution require a valid single Mortgage Host Servicer, in lieu of the current aforementioned XXXX XXXX for monthly payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation