Consumer complaint received 2019-04-30
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX To : DITECH Ref : Account No. XXXX. 
Dear Sir/Madam : On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, we have requested from DITECH to correct some issues, I have found related to our account. 
The first one was made by XXXX XXXX on reference to the payments made to this account, in whom she was not reflected and appeared to be the account closed improperly. She has not declared bankruptcy, and consequently all reference to the payments must be adequately reported. We received a letter from DITECH, dated XX/XX/XXXX, informing they have received the request at that date, but, since then, we dont have received any response. 
The two others are related to the Escrow Account. On XX/XX/XXXX, I requested from DITECH to correct the Escrow Analysis, indicating where the errors were found, specifically an Escrow Shortage of {$4300.00}, who comes up from nowhere, since the Property Taxes, {$1900.00} and the Homeowners Insurance, {$4000.00} for a total of {$6000.00}, were paid on full, with my monthly escrow of {$500.00}, totaling {$6000.00}. 
The response, we received from DITECH, reiterates the same error, and there is no explanation of from were it comes up the shortage of {$4300.00}. I decided to call at he Customer Service, to find any one to understand the situation, but it was worst. They repeat what is on the Escrow Analysis. Nobody can understand what I say. 
On XX/XX/XXXX we signed up the Mortgage modification with DITECH, where was established a monthly payment of {$1600.00}. These payments have been made monthly through a Bankruptcy trustee, according to the law. 
By the end of XX/XX/XXXX, DITECH reduced the monthly payment from {$1600.00} to {$1500.00}, but the amount sent was the same {$1600.00}. The difference was deposited on the unapplied funds, totaling by the end of XX/XX/XXXX, {$1200.00}. 
The only way to reduce monthly payments can be if there are enough funds on the escrow account to pay for next year taxes and insurance. In effect, by the end of XX/XX/XXXX there was {$7000.00}, less the insurance and taxes paid, that lets {$1300.00} remaining for XX/XX/XXXX. 
Note than we didnt receive by mail an Escrow analysis for XX/XX/XXXX, nor XX/XX/XXXX. This last one, I took notice when I opened an electronic account with DITECH by the end of last year. 
The supposed Escrow shortage has been applied to the account, then the monthly payment has been increased by {$360.00} more on the escrow, additional to the {$500.00}, for a total of {$870.00} only for escrow. The monthly payment was fixed on {$1900.00}, and since then, the monthly payments are not applied to the account, because they dont meet this figure. 
Then DITECH first have stolen our {$1300.00} of money from the Escrow Account, and second its charging us for a {$4300.00} that We dont owe. 
We received a letter dated XX/XX/XXXX, to iform us of an ongoing investigation, but we didnt have received any results, instead a Final Escrow Report dated XX/XX/XXXX with the same figures we are questioning. 
There are more irregularities and illegal actions commited by Ditech on reference to our account. We expect and deserve a detailed explanation. 
Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief