Consumer complaint received 2019-06-04
Company: Ditech Financial LLC
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
i have been going through my payments to Ditech aka Greentree and have noticed a major trend. whether my payments were paid on time or not, Ditech/ greentree did what they wanted with my payments as far as applying to principal, interest, forced insurance or other fees through the years causing overage in actual payments made up till i made my final payment, thank goodness i kept my payment receipts. this needs investigated. why you say, because you fraudulently changed the account prior to your bankruptcy to a new account and then saying that i owed over {$8000.00} more dollars. this has caused damage to myself and family. i paid through the nose dearly when i fell behind in payments in XX/XX/XXXX and even when i wasnt behind with this company by having neighbors called, constant harassment letters stating that your company was going to take my home constantly, representatives of your company coming to my home and giving me a hard time and threatening that your company was going to take action against me, having your representative drive by and take pics of my home. 

during all this harassment that i and my family had to endure you got your money, every penny but it wasnt applied like it should have been.due to your harassment i was forced into bankruptcy to keep my home and even after bankruptcy, your company 's harassment didnt stop. you took me to court saying i wasnt making my payments in which i was of {$280.00}, but then i find out that an agreement had been made apparently through my attorney that raised my payment {$33.00} a month to {$320.00} and you made me pay {$2600.00} to keep my house which only a very small amount was applied to principal in which it all should have been, because payments for the time period had actually been made. also, since i had bankruptcy, i had reaffirmed my home so that constituted a new contract, which i had signed blank in my attorneys office being naive that you would be honest with me. that money was paid by me until XXXX to end of contract. when i contacted your company Ditech for final payoff, i was informed that i still owed over {$7000.00} at which time i balked and stated my disagreement and asked for payment information for the last few years, which i never received. so again being naive, i asked for a loan modification with extension to meet your demands of payoff against my belief of being already paid. your company sent me the paperwork, which i filled out and XXXX to your office that was listed and signed off on for delivery. i was told that it wasnt receivied in time so i filed a complaint and suddenly i was given the modification for extension and a lower payment of {$250.00} a month after complaint filed with CFPB. which i paid up until i sent in payoff amount.this modification also constituted a new contract. since XXXX end of contract, my payments were marked late and invoices were also marked late. now we are headed into the fraudulent reporting of my payments. 

all my payments from end of original contract XXXX, under a new modification contract stated by your company had been reported as late up until my final payment of $ 1900+. by reporting my payments late when actually were received and cashed, to me, seems like fraud and intent to harm me financially. all these payments since XXXX end of contract had been marked 30, 60, 90 days up to 240 days late even when received on time, there wasnt any payment i sent that was 30 days late during the XXXX end of contract to final payment XX/XX/XXXX. if there was it was because payment was held without cause to create more revenue for your company Ditech/Greentree. 

i will be sending a copy of this email and also filing a complaint with the bankruptcy court. 

XXXX XXXX XXXX original account # XXXX unauthorized account # XXXX

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