Consumer complaint received 2017-07-13
Company: Ditech Financial LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
WE paid the  Loan  off according to banking standards and sent  three  money orders in the amounts of what we owed at the time. These are the amounts  XXXX ,  XXXX ,  XXXX . Where did this money go? The bank reps told us they would not accept, cashiers checks, money orders or cash.So we were told to send them via a credit account all money orders to  Dept of  Treasury in California who deals with   XXXX    XXXX   XXXX . We believe they lied and forced us into foreclosure. We also got a document from the bank in  XXXX  saying all mortgages were paid off from  the county  recorders office which i followed up with when I got it as I used to work there and was a notary for many banks as  well.. All  mortgages were off the books  six  moths later in  XXXX  they appear now under Green Tree  .We feel  that many people involved committed fraud. The banks and their affiliates including the recorders office of  The county . Which I still have. Talked to a rep on the phone a few days ago and they admitted the debt was paid as agreed I have that phone conversation recorded as they recorded mine too.. Please help me clear this up, end this or at least meet at the table to come to a final conclusion. Also we tried several loan mods with  XXXX  and  two  short sales which both were rejected. Ditech will not allow us to pay our own property taxes or homeowners insurance as they do through escrow. I paid the taxes a few times throughout the years sneaking it  it in.Have  been paying my homeowners as well for more than  two  years.Still they are charging me for this too. I am also having different agencies look into this including my background which was with The state police for 25 years, MY friends are in The FBI,  CIA,  Pentagon and many other offices or branches of federal, state or local government including the  Ag ' s  office.The  IRS as the fraud may cause many errors in what we do n't owe them.The bank may owe them even more as they are reporting something that was paid off as something as a discharge. The document I got is from  XXXX    XXXX   The Vice president of  XXXX  at the time showed all mortgages were paid off at the time of  XXXX  also notarized by here back notary  XXXX   XXXX   XXXX  and sent to  my  county to record the mortgages as paid. To make matter worse we living a  XXXX    XXXX    XXXX  home all around us and we are trying to prevent others from getting sick I had a firm come out here remove some but there is so much around us  .I  could only afford so much to get removed. Please help in any way you can.  <P/> This is now with Ditech a   XXXX   XXXX   XXXX  , as  XXXX   XXXX   XXXX  through them under the bus.  <P/>  XXXX  denies all facts and has no standing or original documents supporting their inaction.They are implicit and so it Ditech.   For Fraud and irrelevant debt.  <P/> This was   XXXX   XXXX   response to last complaint.  <P/><P/>  XXXX   XXXX   XXXX  is reviewing your inquiry. We require additional time to provide you a complete response. We will update the status of your inquiry on the portal with our response as quickly as possible. Our records reflect that the Home Equity Line of Credit ( HELOC ) ending in  XXXX  was charged off in   XX/XX/XXXX  . Subsequently, the loan was forgiven as part of the Mortgage  Debt Forgiveness Program , reported to the credit bureaus as paid/charged off, and the lien was released. My research reveals that your loan ending in  XXXX  was paid through the    XX/XX/XXXX installment and was not referred our foreclosure department prior to the service transfer. I have enclosed a loan history statement for your reference. On   XX/XX/XXXX , w e transferred the servicing of the loan ending in  XXXX  to Green Tree Servicing  LLC  ( Green Tree ). We notified you of this change in the enclosed letter dated   XX/XX/XXXX  . The new servicer, Green Tree, now supports all the loan servicing for the loan account, including billing, payment processing and customer support. Please contact Green Tree at  XXXX  to discuss any loan servicing-related matters. Representatives are available Monday through Friday from   XXXX   XXXX   to   XXXX   XXXX   and Saturday from   XXXX   XXXX   to   XXXX   XXXX    XXXX . Our records shows that prior to the service transfer, your loan ending in  XXXX  was approved for a Trial Period Plan in the amount of {$1700.00}, effective   XX/XX/XXXX  . However, our records indicate that we did not receive the signed  Intent  to Accept Trial Offer form nor a trial payment in order to proceed with the home retention process. We mailed you additional notices informing you to contact   XXXX    XXXX   XXXX  to discuss alternative solutions to bring the account current. However, our records indicate that we did not receive a response with your financial information in order to review the loan for workout options. I have enclosed a copy of the above-mentioned notices for your reference. My research reveals that prior to the service transfer, we reviewed the loan ending in  XXXX  for short sale. However, the short sale reviews were declined as explained in the enclosed short sale declination letters. Our records do not reflect that   XXXX    XXXX   XXXX  received payments to satisfy your loan ending in  XXXX  in full nor any information to confirm your claim that  XXXX   XXXX   XXXX  informed you to send payments to the Department of Treasury in California. If you wish to pursue this matter further, please fax copies of money order receipts to  XXXX  and I will investigate the matter.  Make  sure your loan number is clearly displayed on all documents you send. Additionally, my research has uncovered no reasonable factual basis to substantiate your claims of fraud. Therefore, we are unable to address your claim in detail at this time. If you wish to pursue this matter further, please provide me with more specific factual detail in support of your claim and I will investigate the matter.   XXXX    XXXX   XXXX  respectfully declines your request for assistance as the loan ending in  XXXX  is not being serviced by   XXXX    XXXX   XXXX . Please contact the current servicer of the loan to discuss possible workout options. Furthermore  XXXX   XXXX    XXXX   XXXX  respectfully declines your request for compensation. We are unable to address your concerns related to Green Tree or any other servicers as the information included in your inquiry does not pertain to   XXXX    XXXX   XXXX . Please understand that  XXXX   XXXX   XXXX  is unable to comment on any actions or communications by unaffiliated third parties. As a financial institution,   XXXX    XXXX   XXXX  has an obligation under the Fair Credit Reporting Act to report account payment history accurately, whether it is favorable or unfavorable. Therefore, we must respectfully decline your request to remove the negative reporting from your credit file. Account information can not be changed unless it can be demonstrated that the information is inaccurate due to an error in reporting.  <P/> We are now including suspected mail fraud and banking fraud we have the FBI and  Local  Police checking into both.

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