Consumer complaint received 2016-09-22
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In the past, i have submitted complaints about green Tree loan servicing company. I tried and tried to get a loan modification with them, spent hours faxing/ certify mail documents to them. I was promised by the original lender, XXXX XXXX XXXX, that they would be able to and happy to mocidy my loan, as i met all the requirements. 
then they sent me to Green tree. ... .and they illegally denied me a loan modification. the CFPB cracked down on them, and ordered them to pay XXXX dollars to people like me. 
i called the settlement administrator yesterday, and, to my dismay, a rep there looked and looked at my name and adresses and said.. I am NOT ON THE LIST to get compensated?? ... ... please explain. -- -- - i got a letter just recently from the now " DIETECH '' I hadnt heard a thing in months and months. their letter stated that I was not eligible for a HAMP loan modification because that is for people who got their loans ( bought their house ), before XX/XX/XXXX. the letter stated that my loan was " ORIGINATED '' XX/XX/XXXX, and therefore not eligible. 
This is incorrect and DIETECH may be able to fool most people with this letter ... but I have been a realtor for over 20 years so I know more than the average joe. 
I bought the house XX/XX/XXXX. this is the house I needed to have the loan modified. 
i put XXXX dollars down on a XXXX dollar house. the loan was done by XXXX XXXX XXXX. I was paying everything and working and all was fine until I became XXXX and unable to work. I was contacted by a XXXX XXXX XXXX loan agent that I was thinking to refer buyers to, and he coerced/ convinced me to do a REFINANCE on the original note, XX/XX/XXXX. 
the bottom line is that i was, and the property was, eligible for HAMP loan modification. 
the refinance was merely aan alteration on the ORIGIBAL NOTE for the property, signed, dated, bought by myself XX/XX/XXXX. this is within the " before XX/XX/XXXX '' guideline. the Hamp program was designed for people who bought during the " peak of the market '' .. and now had upside down mortgages. my home, that I bought in XXXX WAS upside down by the time you figure i had a first, and a second mortgage. 
i beleive that Green tree, now merged with DIETECH ... has written their reason for not giving me a hamp loan to the CFPB ... .... and perhaps thats why the CFPB thinks that I am not a " victim '' : and i am not on the list to get a little compensation from this Nightmare that Green tree/ dietech has caused. .... the CFPB thinks i bought the house XX/XX/XXXX??. 
as i said, the original note for the house was XX/XX/XXXX. the refinance that i did at XXXX XXXX insistance, was A modification or an altered note to the ORIGINAL NOTE ssigned by ne as promis to pay XXXX XXXX XXXX , XX/XX/XXXX. i should have been given the HAMP loan modification. its really too bad that some banks let people defer their payments for 6-8 monthsm shaved XXXX dollars off the principle, etc ... and i had to lose my home. i really miss that home and that town so much.

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