Consumer complaint received 2018-08-24
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im writing again to see if CFPB can resolve this matter for once and all At this stage Ditech has ruined my credit with untruth late payments offences in my credit score, in which there were no reasons what so ever to ignite these actions based on the following story All started in XX/XX/XXXX when the Ditech Financial LLC sent me a bill charging a new hazard insurance, which was too costly in comparison with the market. It took me several months to demonstrate that I sent my coverage back in XX/XX/XXXX. By XX/XX/XXXX they realized it was a mistake in their part, but they harassed me for all this period, and also they sent my account to debt collector and a foreclosure agency, in which they did it again in XX/XX/XXXX In XX/XX/XXXX my mortgage payment changed from {$620.00} and to {$640.00}. I did not receive a letter on time to schedule the XX/XX/XXXX payment, but I did change the amount in XX/XX/XXXX, so the only shortage I had was {$17.00} to complete the XX/XX/XXXX payment. This is the only mistake I made. 

I contacted them to pay the {$17.00}, but they told me it was fine, after three or four call conversations with their CSR. Then, in XXXX Ditech Financial LLC started again to send me a bill charging an amount that was way over the {$17.00} without any explanation and the harassment started all over again with Foreclosure letters. My last two conversations with them were a temporary closure as their CSR told me that everything was fine.

Nevertheless, the harassment did not stop there ; they start again in XX/XX/XXXX to send my letter with a different amount and then the Foreclosure letter started again. Since they do not have an office in Florida it has been a loose cause and I was actually fed up with this matter. 

FYI, I have been unemployed since XX/XX/XXXX and I already had one property that went through a foreclosure process and the unit is gone. I have been trying to cope with this mortgage against all odds, but their behavior has been extremely irresponsible I have been paying this mortgage since XXXX without any complains, until Ditech Financial LLC took over the servicing of my loan A year ago, in XX/XX/XXXX, Ditech replied the following statement : We are in receipt of the complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the servicing of your loan by Ditech Financial LLC ( Ditech ) and the delay in cancelling the lender placed hazard insurance policy. Ditech takes your complaint seriously and appreciates this opportunity to respond. Ditech regrets that you feel you have been mistreated in any way during the servicing of your loan account. Ditechs mission is to provide exceptional levels of service and it is Ditechs policy to treat every customer with respect. Pursuant to your request Ditech has confirmed that a do not call has been placed on the account. Ditech records reflect that the lender placed insurance policy on the loan account was cancelled retroactively to XX/XX/XXXX. Due to an inadvertent error, the escrow account and payments due on the loan account were not adjusted accordingly. Your concerns regarding your loan account have been escalated to upper management. The payments made to the loan account will be reallocated and the escrow account will be corrected. Any late fees will be waived and any negative information that has reported to the Credit Bureau Reporting agencies will be updated. Please allow additional time for corrections to reflect on the loan account. Ditech sincerely apologizes for any inconvenience this has caused. If you have any additional questions regarding the account, please contact Ditech Customer Service at ( XXXX ) XXXX, Monday Friday XXXXXXXX XXXX. to XXXX XXXX CT, and Saturday XXXXXXXX XXXX  to XXXX XXXX  CT. Sincerely, XXXX XXXX. 

After several months, Ditech apparently corrected their inaccuracy of the above complaint ( XXXX ). I visited the company website on XX/XX/XXXX to review the changes and adjustments after they acknowledge their mistakes, which triggered this ordeal. I found that the past due payments were cleared and the payment amount is up to date. They adjusted my fixed payment to {$630.00} ; I updated this amount in my bank account to make automatic monthly payments. 

Notwithstanding, I realized that Ditech generosity was shallow because what they did, after admitting their mistakes, pass all fee charges and escrow errors to my principal amount, which increased from {$110000.00} on XX/XX/XXXX to {$110000.00} on XX/XX/XXXX. Meaning that they didnt solve the problem, they just passed the burden to my principal account, at my cost. No solution was taken by Ditech regarding this issue. 

Bottom-line, they havent corrected this issue accordingly, and to show CFPB what its the logic behind this ordeal, I have written the following statement for your view and analysis : Ditech have been servicing my account for more than 3 years and since then I dont understand why my payment had increased and changed so many times after XX/XX/XXXX, when my property taxes, which is the only payment made by Ditech from my escrow account, has been dropping since XXXX. 

XX/XX/XXXX - {$610.00} XX/XX/XXXX - {$620.00} XX/XX/XXXX - {$630.00} XX/XX/XXXX - {$650.00} I only have to accumulate an amount in escrow for my property taxes, so please get somebody from Ditech to analyze and explain why this mess has been originated by Ditech. 

In addition, my principal was increased to cover your mistakes or errors from {$110000.00} to {$110000.00} in XX/XX/XXXX, an increase of {$1100.00} that have to be credited back to actualize my real principal amount. 

I have opened my case several times without success, but I want to conclude this matter to move on with my life. I never had some many changes in my payment amount ever in my entire mortgage life span that started in XXXX Best regards

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation