Consumer complaint received 2019-06-29
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A copy of the body of the letter sent to Ditech on XX/XX/XXXX is attached : On XX/XX/XXXX I applied for a loan modification, but after calling Ditech for clarification on additional information that was being requested, I was subsequently told by the service representative that actually, I was not eligible for a modification at this time. 

Per the representatives suggestion, I formally rescinded my request, waited till the start of the new month, then called back to set up a temporary Repayment Plan. That call was made on Monday, XX/XX/XXXX, and after speaking to another agent, my request was approved. Formal notice of that approval was sent out on XX/XX/XXXX and I called Ditech and accepted the offer prior to XX/XX/XXXX, as stipulated by the instructions in the preceding notice. 

At that time, I asked the agent ( XXXX ) if it would be acceptable for me to make my payments by the XXXX of the month XXXX XXXX offered for normal payments. I was placed on hold while XXXX spoke with a supervisor, and when he returned, I was told that yes, it would be fine if I made my payment after the XXXX of the month, as long as it was no later than the XXXX. 

On Friday XX/XX/XXXX, I called and made my first installment payment for {$2600.00}. The fee was waived, and I was all set for the month of XXXX. The confirmation number for that payment is # XXXX. 

Then, on XX/XX/XXXX, a notice went out stating that I was in default on the loan, and in order to cure the default, a total of {$9800.00} must be submitted by XX/XX/XXXX. As you can imagine, this comes as a shock and surprise given the fact that during the XX/XX/XXXX and XX/XX/XXXX phone conversations, it was explained to me that as long as I continued making my installment payments each month, no further collection activity would be pursued. I would also like to point out that during the execution of a previous Loan Modification, I was given permission to send in my payments by the XXXX of each month, and I did this for the duration of the trial without having further collection activity directed towards me. 

Even after rescinding my original Loan Modification request, I continued to receive notices regarding an application which had already been cancelled. The first letter was another request for information. The second was a formal denial of the request ( which again, had already been rescinded ) because the requested information had not been received. All of this occurred, after the Repayment Plan had been  established and approved, so I didnt think much about the extraneous communication just chalked it up to back office processing that was out of sync but this most recent notice of default is obviously more serious, which is why I am requesting that your records and subsequent correspondence be corrected and brought up to date. 

Based on the representations made to me, and the good faith effort I demonstrated in complying with the terms of the Repayment Plan, I would like a correction made in writing that I AM NOT IN DEFAULT on my mortgage loan, and that the plan I agreed to prior to XX/XX/XXXX will continue as prescribed over the next five months until the total past due balance has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief